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

I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX  survivor/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nordstrom XXXX I have no knowledge of those accounts listed The address listed of occurrence is where the theft happened I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an officer came to do the report. 

I never paid any of those bills! I have no knowledge of whom may did that again I am a XXXX XXXX survivor I'm not sure who obtained this debt! I never had a credit card in my life!
Product: Credit reporting or other personal consumer reports

These loans were removed around XXXX there about and just reappeared which indicates the purchase of the previous debt.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX 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
Product: Mortgage

Applied for mortgage modification during COVID have been sent so much paperwork to fill out and send back that has taken two years I supply what they need and they say they need something else but they are reviewing the application now they have sent a right of first refusal to the XXXX I belong too giving them first shot at paying my loan so they can get my ground at the same time saying they are reviewing my mortgage assistance application
Product: Credit card or prepaid card

I am a victim of identity theft and its causing me financial damage on my credit report. 

Company or Organization : CAPITAL ONE Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$680.00} Credit Card Opened by the XXXX XXXX or Organization : CAPITAL ONE Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00}
Product: Debt collection

They have tried to charge me for things that where already cleaned and moved from the apartment and rudely spoke I felt they had treated me wrong because of my XXXX and by the way there where acting towards me 15 U.S Code 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Student loan

During this time from XX/XX/XXXX-XX/XX/XXXX, Mohela at some point lended me money to pay forcollege, and when I called them to file for the amount on my loan before it was transferred to XXXX ( i did n't know ), the number went to a different lender and said Mohela at that time did n't have any records of me, and were shut down for fraudulent handling. So I was stuck with the amount, and could n't trace it back. I complained to Ombudsman 3-4 years ago, and they could n't help me, so I felt abandoned and closed my compliant. So if someone can please help me, I would appreciate it.
Product: Student loan

I fell on some hard times and XXXX of my private loans went into default. About a year ago I made an agreement with the company to pay them x amount of dollars a month, keep in mind this sum does not include other student loans that I have. I have made that monthly payment on time for a year now. I recently called the company asking them what I could do in order to consolidate or get out default with these loans. The company 's response was " There is nothing we can do until the loan is full paid off ''. Keep in mind these XXXX loans range from XXXX-XXXX. I make approximately XXXX a year, so how on earth am I ever going to repay these loans with interest accruing and them tacking on late fees each month?!?! I want to work with them, I want to help them regain their money and me feel like I have a repayment plan that is working, not one that I feel it 's hindering both parties. I am willing to work with them, they just flat out refuse to work with me.
Product: Checking or savings account

On XX/XX/XXXX, I receive a call from my banks number from the Fraud department. I was told that my account had been compromised and they had me reset everything. The number was in fact my banks number but it was spoofed. The person, XXXX XXXX transferred XXXX to their account with XXXX XXXX. I immediately reached out to my bank to see inquire about what happened. They told me it was a scam and the associate was not helped and refused to stop the ACH. I have been trying to get this money bank and the bank has not been helpful. They initially refused to close the account or even issue a new card. I had to beg them to do so.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was scammed on XXXX while I was trying to rent a house this started on XX/XX/2020. I went to my bank to get my money on XX/XX/2020, when I didn't receive what I had paid for and did not receive my money back. They looked into it and even though the guy who scammed me was clearly impersonating another person ( Wells Fargo said their accounts didn't match up ) they would not consider it fraudulent. I Lost XXXX dollars in this exchange. Attached is my fake lease and emails that I though were going to lead to my new home. I need that money. I don't know who else to go to.
Product: Money transfer, virtual currency, or money service

Over XXXX XXXX weekend my phone was take. From me and the person who took my phone made unauthorized charges to a suspicious Venmo account. 

Venmo is stating that I still made these purchases even though I have a police report to go along with my statements and the account in question that the money sent to is suspicious and shouldnt be on the platform according to the TOS. 

They are arguing dispute w/ bank and still claiming it was authorized by me. I did not authorize this. The transactions in question do not reflect any other transactional pattern in the past. Are for much more than I ever sent, and are suspicious in nature. 

It was 3 transactions back to back within 1 minute all labeled for pizza 1 ) XXXX XXXX was the first XXXX at XXXX labeled for pizza 2 ) XXXX XXXX was sent right after in the same minute to the same person once again labeled for pizza 3 ) XXXX XXXX at XXXX labeled for pizza again. 


As you can see the transaction history does not make sense to send that much money for pizza or to send it across 3 different transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX account appeared on my credit report after the equifax date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the equifax data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment history.XXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrong.XXXX  XXXX last active date and open date are wrong. This is not my account.equifax data breach .XXXX XXXX  XXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through equifax. Please remove all accounts for reasons I have listed above.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b.It is illegalto report any information on my credit profile without my permission.Please remove this negative item from my credit report .Thank you
Product: Debt collection

Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

I made formal requests to close my XXXX XXXX XXXX with Barclay 's Bank after numerous problems with customer service plus their frequent false positive fraud notifications which included freezing my card. The fraud notifications were almost universally wrong wasting my time on the phone with them to resolve. 

I started these requests online then by wet signature letter delivered to them by XXXX XXXX mail. These requests started on XX/XX/year> with the Certified letter then continued with repeated follow up requests through their online secure messaging center. I also blocked both cards. 

They continued to allow charges from automated payments with several companies even though the cards were blocked and my requests to close the account had been filed. 

I provided numerous documents below which include the Certified Letter and screenshots of their online secure messages I sent them. 

They have also charged me a new annual fee of {$1200.00} well after my requests to cancel the account and cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I share the same name as my father, and he's been using my information. How and why is an excellent question and has yet to be found.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to say we need to delete any wrong accounts from my credit report. Could you check the papers? Some accounts listed have wrong details about how they're reported, the amount, and the dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft and i have asked the bureaus for a long time now to remove the following accounts which i dont have anything to do with. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The last 3 accounts have been there 7 years. That is a violation I have sent many disputes and never got anything back or got letter stating verified. Then when i asked for verification, who did they talk to, when and what documents did they get? did they verify everything? I dont think so. I never got any verifications from any bureaus
Product: Credit card

I purchased an XXXX XXXX for my XXXX XXXX but merchant turned out to be a fraud and did not perform the agreed services nor cancelled the contract when I requested. I asked my credit card company for a chargeback and at the end of 90 days they sent me a letter saying that dispute was not approved due to timing of the claim. However, I filed the claim about 3 months after I purchased the services only and when I was sure that I could not resolve it with the merchant. I do know that credit card companies can resolve the dusputes within 6 months of purchase date. This was completely wrong and unprofessional by citibank...
Product: Money transfer, virtual currency, or money service

Men of XXXX XXXX and XXXX countries collected my money as an attempt to claim a winning fund from XXXX XXXX ( XXXX ). The money collected requested me to send charge fees of issuing change of ownership and authorization certificates. It happened occasionally in XX/XX/XXXX. I told them to return back my little earnings but they ran away until now. I reported it to the headquarters of Western Union through calling on XX/XX/XXXX but nothing had been to remove my pains I had suffered up til now. The amount collected all together with charge services was $ XXXX. Please, I need your assistance. I wrote a letter to the western union of XXXX to work on it but nothing has been done. 

Thanks in advance.
Product: Credit card

I have reached out to BOA, because the information they are reporting on my credit file is not correct. I reached out to BOA on several occasions to get the correct information on my credit file, but they keep reporting incorrect information. I have emailed the company, certified mail, and challenged per my credit file, but BOA has not updated my credit information with the correct info. 
I have already spoken with your office about this account several time per the FCRA it is well over the XXXX days response time to respond to my request. It actually been over a year I have been trying to get bank of america 's derogatory information off of my credit file. BOA is in violation of multiple FCRA violations by knowing continuing to report erroneous and false information that I have asked numerous time to be validated which it was not.
Product: Credit reporting or other personal consumer reports

I am reaching out to request the immediate blocking and deletion of fraudulent accounts on my credit report. I am a victim of identity theft due to a recent data breach, and under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these unauthorized accounts. 
The accounts in question are as follows : XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Record Case Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00}
Product: Vehicle loan or lease

I purchased a vehicle and have Capital One Auto Finance as the lender. When I attempt to make my payment it will not allow me to set up my payment on the due date. My payment is not due until the XXXX of the month. The system only is showing me a due date up to the XXXX which is about 2 weeks earlier than due date. I had the same issue last month and called to let them their system is not allowing the due date to show. The representative stated they would pass the information on to determine the issue in order to resolve. I have to either make my payment early or remember to go in closer to the due date to set up the payment for the month. This is unfair to the consumer because they either have to pay earlier than the due date or consistently go back in to see when the date is highlighted to set up the payment on the day they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XXXX/XXXX/XXXX that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Product: Credit reporting or other personal consumer reports

I sold my property in XXXX  and it was paid in full from the funds of the sale. XXXX XXXX  has not removed the debt from my credit report. Because of that it is showing up as a unsatisfied debt that was not satisfied on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XXXX XXXX XXXX, I went into the XXXX XXXX XXXX XXXX dealership to meet with a salesman about a used XXXX truck. I immediately imformed him upon seeing the truck that I would not be able to afford the truck. I told him that I was already working with a lender and where my payments and price needed to be. He said that he felt that he could get the payments down to where I needed them to be. I specifically told him NOT to run my credit. He returned and imformed me that someone in their financial department had ran my credit anyway, and now I have 3 hard unauthorized hits against my credit due to they're neglagence. Further more, the lender at the local branch of XXXX XXXX XXXX XXXX with whom I had been verbally given an approval of up to XXXX dollars, can now only aprove me for XXXX dollars because when the dealership ran my credit, they apparently ran it through the corporate level of the branch I was dealing with and denied it, now limiting what my loan officer can do and damaging my buying power. I have four total hits against my credit and there should only be one for the above mentioned date.
Product: Consumer Loan

I took out a car loan. I filed chaper XXXX in 2010 but I reaffirmed my Car note with Gmac/ally and paid the note They r still reporting on the credit report that the note Was discharged. It was not. I have a reaffirmation agreement with Them that I honored and completed. I have written them. I have Worked witg the credit bureaus. No avail. They r still listing that The car note was discharged. It was not. It was paid. My stars It has been So long ago that I dont even have the car anymore. I sold it with a lien release Why do they continue to lie?
Product: Credit reporting or other personal consumer reports

I recently disputed data that shows on my report that I submitted a FTC report and submitted and it the information was never removed. " Please see attached for dispute ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Checking or savings account

I used XXXX XXXX to pay an employee XXXX $ for a job, and they did not complete the job and disappeared. I filed a debit dispute with capital one bank for my checking account ending in XXXX and they quickly denied my claim and didnt investigate. They also caused my account to have a negaitve {$1000.00} balance and when I called to try to reopen the claim and provide new information, they refused to do it.