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

Since XXXX of 2020 I have been dealing with identity theft, after filling a police report when my purse out of my car, all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my unemployment EDD debit card was stolen. Which resulted in my dealing with them taking over {$25000.00} dollars from me during the pandemic. I have send off credit reports and dispute letters to all three credit bureaus, XXXX XXXX XXXX and Experian requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit reports. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Nothing has changes
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo.  term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted XXXX to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per XXXX XXXX XXXX 's ( XXXX ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from XXXX XXXX to the XXXX at XXXX XXXX XXXX. The XXXX at XXXX XXXX made the shipping arrangements. 

I never had any contact with XXXX after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted XXXX to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by XXXX. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. XXXX kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of XXXX and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that XXXX did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that XXXX spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to XXXX since XX/XX/XXXX. 

It is apparent to me that a XXXX employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. XXXX either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the XXXX at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for XXXX. XXXX refuses to provide me any information proving who returned and made payments on the XXXX. I believe XXXX is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX was filed XX/XX/2015. It's past 7 years now. this derogatory acct needs to be removed immediately. this has been removed off XXXX. I also have XXXX fraudulent inquiries that I have been disputing since XXXX have NEVER had this many issues with any other credit reporting company. I would like this to be escalated.
Product: Credit reporting

Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Experian via certified mail. Experian refuses to honor my claim & the evidence submitted. Experian continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXX is not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXX is not my account please remove this from my credit report. 
3 ) The Department of XXXX XXXX XXXX XXXX XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
4 ) Navient # XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
5 ) XXXX XXXX # XXXX is not my account please remove this from my credit report. 
4 ) Diversified Consultants XXXX Is not my account ( s ), please delete them from my credit file I would also like for Experian to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report for fraud and identity theft but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.
Product: Credit reporting or other personal consumer reports

After my account had been paid off and closed, a few months later a remark was placed on my report stating Potentially Late. They asked to sign a document for a late payment to be added at the end of the loan so it wouldnt show up as a late payment. This was done four years ago. So how can they post this statement on my report if they asked me to comply and it was paid in full?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago, I sent a request to XXXX  and Trans Union asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.
Product: Credit reporting or other personal consumer reports

TransUnion is not allowing me to view my credit report or credit score online. Only having the option to receive a report through the mail is not aligned with the current regulations.
Product: Debt collection

This company is so radicals. Despite the fact I told them numerous times, thats its not my debt and stop reporting it on my credit, they keep posting the same XXXX over and over. When I am trying to make a major purchase in my life, to buy a car- I have been going through XXXX to get an approval because these XXXX people just dont get it. I have been trying to purchase a car to make my life little better, a single mother of 2 XXXX, struggling to get better myself and my kids life. These companies have no empathy or common sense to even reconsider their stupid errors. I tried it all and idk what else but I need this XXXX off my credit. Excuse my XXXX but this is how frustrated Iam not being able to buy a car or better anything in life.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # : XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and in of XX/XX/2021, I have been unable to initiate an online dispute with the XXXX  credit bureau. Whenever I call, there representatives, rarely listens or understands my concern, continuously transfer me to another department that does not help, most of the time lie and tell me that I don't know what I'm talking about and offers to take the dispute over the phone. There are multiple inaccuracies on my consumer report which have negatively impacted my credit file. I have initiated a few disputes with representatives online and they tell me it will be updated in a few day, but they do not that any evidence/confirmation/statuses of those disputes ever happen. I pay a monthly membership that allows me to view my report, the report has an option that allows me to initiate an online dispute. The option to do online dispute is always reporting errors and instructs me to call. The representatives are very rude, not understanding and very demeaning and rarely listen. My last two calls that were transferred, had me on hold for over two hours and finally when I did get through. I was told that the department had already closed try back the next business day
Product: Money transfer, virtual currency, or money service

Sent Zelle payments and was sent to the wrong person was unable to retrieve my money back after calling the bank to tell them that.
Product: Debt collection

I am unaware of the debt with Eastern Account System Collection Agency they have not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Eastern Account System Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email, text or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. 

XXXX XXXX Without Recourse XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX Bankruptcy - XXXX
Product: Checking or savings account

I am writing to express my concern about the recent banking outage at Capital One, which has left customers, including myself, unable to access deposits for days. Personally, I am missing a deposit of ~ {$3800.00}, causing financial strain and stress.

While other banks affected by the same data center issue have restored services, Capital One has yet to provide a clear timeline for resolution. Communication has been inconsistent and confusing, with conflicting updates and long customer service wait times.
Product: Money transfer, virtual currency, or money service

This phone number, XXXX ( XXXX ) XXXX, keeps calling to report that the XXXX Mobil App is blocked and that you have to give personal amd financial information to establish it. 
I haven't been affected because, I don't give my information through the phone. 

The bank ( Popular Bank of Puerto Rico ) in charge of this app has published that this types of calls are a fraud. That's why I want to report this number : XXXX ( XXXX ) XXXX.
Product: Debt collection

XXXX XXXX is asking me to pay them XXXX reference # XXXX and cant explain what for. They sent me 2 papers with no especifications saying that i have to pay this absurd amount. I had stay with them 1 night and rent 2 rooms. Now, they say i am in debt. Which is not truth. Everything i paid ( both rooms ) thru XXXX XXXX XXXX. And they say i shouldnt be in debt with XXXX. Also, there was not damage to either of the rooms after we left. Now I feel victime of this Scam and need help. Could find that this corporation is sending notificarions ro customwrs like me, and thru this scary tactic mading millions of dollars in revenue. 
I need help.
Product: Checking or savings account

I have received notification from XXXX XXXX on three separate occasions over the past two months, regarding opening an account at Citizens Bank. On XX/XX/XXXX, a XXXX Representative and myself contacted Citizens Bank and after roughly 35 mins of getting nowhere, the branch manager hot on the phone and said that it appeared that the bank worker fat fingered my SS # by accident and it will be addressed. Well today XX/XX/XXXX, I received another notification that my SS # was used again at Citizens to open an account. This nonsense needs to stop. Once was an accident, two or three times seems like fraudulent behavior.
Product: Credit card or prepaid card

I have a personal credit card in Chase Bank. I have used promotional APR for balance transfer, so I have lost my grace period for purchases. 
The due date is XXXX of the month. 
On XX/XX/XXXX I have paid XXXX dollars of minimum due for the previous statement. 
On XX/XX/XXXX I have made XXXX purchases with total amount of XXXX. And after XXXX XXXX on XX/XX/XXXX, I have made a payment of XXXX dollars. But this payment was applied to balance transfer amount ( which has promo APR 0 % ), not to purchase ( which has APR 23.99 % ). Chase Bank employee told me that I had to wait until statement and only then and after minimum due payment I can pay the purchase amount. 
I believe it's not fair. After the bank starts charging interest, client should be able to cover his purchases with additional payments without waiting for the end of billing cycle. The current practice of Chase Bank is taking advantage and violates the rule of excess payment application on the highest APR balance.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX {$1500.00} ), XX/XX/XXXX ( {$1600.00} ) - I was informed initially by the organization that my account had insufficient funds available to process the above payments. After speaking with numerous representatives at the organization, it was disclosed to me that here was an error in their system with using the ABA routing numbers attached to my account. Thus making their claims that insufficient funds available a falsehood. As a result, the organization did a hard copy credit report analysis on my credit standing. In response, the organization reduced my credit level by approximately 92 % by making false statements about my payment history, not only within the organization, but by other accounts listed in my credit report ( XXXX  ). As a result, I pulled my credit report through the company that they use and there are NO late payments reports from ANY creditors listed on my report. This organization is reporting misleading and false information to my credit report and making misleading and false claims upon my payment history as reported by XXXX. This organization has continued to make these false claims, regardless of any resolution attempts to correct the mistakes.
Product: Credit card or prepaid card

Company is stating there was a returned " check '' for which there was indeed sufficient funding to pay statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

CARECREDIT/Synchrony ... doesn't have complete records ( per attached ) and I do for XXXX XXXX XXXX XXXX XXXX XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX, which paid them consistently, on time, monthly. Emails and screenshots are attached. XXXX, their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment. I scheduled all the payments their system allowed, which would pay them in full. How is a payment missed, when you have scheduled all payments for the year. Apparently, there was a glitch in their system and it didn't take the last payment, because the amount due was less than the already scheduled $ XXXX payments for the entire year. That is not a consumer issue, when I have used the system you provide for payment to pay you and it was scheduled timely. Whatever that remaining amount, which was less than {$50.00}, they added some fees to and is posted as {$67.00}. I even paid them XXXX additional payments, an additional {$100.00} to resolve an issue that was for a glitch in their system. I saw this on my credit report and contacted them to resolve the issue that was clearly their fault. I believe they also sold this to a collection agency. 
They reported on my credit report that they charged off the debt in XXXX, which occurs 4 months after not receiving paying, so they wrote it off on their taxes in XXXX. At some point I received info from a collection agency, which is illegal to charge off the debt and then attempt to collect the debt. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Per XXXX, Synchrony submitted ND ( No Data ) ( per attached ) for a great deal of their reporting and now as of XXXX Synchrony has made this a Charge Off as if current for XXXX, but it's dated back to XXXX. I have all the data for those 5 years. Synchrony has some unsavory business practices. I have filed with the FTC as well ( per attached ).