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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX has a collection on my credit that was opened in XXXX and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX and XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, and XXXX  Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have late payments due but I continuously get multiple calls per day and messages left on my voice mails daily. I am constantly being harassed daily.
Product: Checking or savings account

I got a notification saying my card was being used at an ATM, they were able to pull {$510.00} off my account within 2 minutes and Chime says they can not help until the transaction is posted. The address of the ATM is on the transaction as well as the time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have only used my card to withdraw money from fee free ATMs. I expressed my immediate grief to Chime that {$500.00} was missing from my account and they were unhelpful just putting me through the motions to get a new card.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The high interest rates are overwhelmingly burdening my other responsibilities that werent explained at the beginning
Product: Debt collection

On XX/XX/XXXX, a collections letter was received from Viking Client Services alleging an owed debt in the amount of {$5200.00}. Letter was dated XX/XX/XXXX, VCS Acct # XXXX, creditor listed as XXXXXXXX XXXX with acct ending in XXXX and a last payment date of XX/XX/XXXX, and sent to an older address of XXXX XXXX XXXX. 

There are a few issues with this allegation : 1 - This debt is not recognized, as I have never held an account of any type with XXXX. 

2 - I have not lived at the listed address on their claim for over 8 years, let alone opened any loans in their alleged timeframe. 

I am uncertain as to where this alleged debt came from, I am only certain that I have not opened any such accounts with that creditor.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX  During the pandemic I wasn't able to get home due to the freight demand across the country. I used my cellphone to set up autopay on my Kohls credit card. I noticed after some weeks went by that the payment never came out of my bank account so I would make the payment and check my autopay and it wouldn't be scheduled I'm my account. This happened several times. Due to the Kohls website not storing my autopay preferences Kohls put late payments on my credit report. Once I was able to get home and to a computer I set my autopay again and it worked finally. But it was too late since the initial attempts from my phone didn't work. I wrote Kohls and asked them for a goodwill gesture in removing the late payments. I never even received a reply from Kohls. I feel this is unfair since their system doesn't work from my cellphone and they don't notify you that it doesn't work. Here I am driving all around the country during a pandemic trying to get supplies distributed and Kohls is dinging me for some petty payments that they received right away and wouldn't have been late if not for their system not working.
Product: Vehicle loan or lease

On XX/XX/XXXX an Affidavit of Truth was sent to Marine One Acceptance Corporation stating facts pursuant to the Truth in Lending Act. I, natural person and original creditor, issued my social security card and entered a consumer credit transaction with Marine One Acceptance Corporation on XX/XX/XXXX. Pursuant to 15 USC 1605 ( a ) a finance charge shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction ''. A finance charge of {$7900.00} was credited. An illegal cash down payment of {$4200.00} was also taken which pursuant to 15 USC ( a ) should be included in the finance charge. Due to these facts and pursuant to 15 USC 1666, Marine One Acceptance Corporation mailed affiant statement dated XX/XX/XXXX containing billing error in the amount of XXXX XXXX XXXX and XXXX/XXXX ( {$830.00} ). All of this was stated in the attached Affidavit of Truth. 
Marine One Acceptance Corporation did not respond with a rebutted Affidavit, but responded with a copy of the Security Agreement and sticky note on XXXX XXXX. Pursuant to Morris v. National Cash Register Co., 44 S.W.2d 433 uncontested allegations in affidavit must be accepted as true ''.
Product: Debt collection

Continually receive calls from this company after asking them not to call me. 
Have told them to contact the co-borrower on the account. 
Have also received threatening letters, stating that legal actions could be taken against me.
Product: Money transfer, virtual currency, or money service

XXXX I lost my debit card so I sent myself XXXX. Since I was waiting for a card it was an e check that was to be processed in 7 to 10 days. After the XXXX days they dmsaid was a hold on the account and would have my refund no later than XX/XX/XXXX. Now it's the XXXX and now they are saying I have to verify my ID which I have and they say won't accept it. They continue to male excuses when they said that fraud protection was to benefit it customers. I don't see how sending myself money even made it red flagged. I gave them my bank statement and they say doesn't match which it does.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments on my credit report
Product: Vehicle loan or lease

The Chrysler Capital Finance website My Account has confusing and potentially purposefully deceptive layering. When I log into My Account account summary screen will note that - - in the Amount Due. There is a? next to this and if you follow the prompt, you receive the following info : Amount due includes your next monthly payment amount plus any unpaid past due amounts, fees, and charges ( if applicable ). 
Balance may vary from your statement based on recent activity.

At this point most people, including myself, would say, Oh, no amount due. and log off. I have done this and wondered why I keep getting charged late fees or have missed payments.

If you should go further into your account info, a separate screen, it will allow you to access a Transaction History and will indicate that you do have an amount due and the due date for that payment. ( I have screen shots of both these pages. ) I have questioned late fees and missed payments with customer service representatives on numerous occasions over the course of my lease. I have even been promised refunds of late fees that never happened. 

I am sure that I am not the only one who sees - - amount due and moves on. Chrysler Capital is likely making millions on late fees and, if reporting to credit agencies, negatively impacting peoples credit. They have no incentive to change this confusing account information practice. 

Please look into this. I believe that CC should be refunding late fees and writing correction letters to credit bureaus.
Product: Mortgage

In XXXX, a foreclosure proceeding was brought against me by XXXX XXXX XXXX under Index # XXXX in XXXX XXXX, New York State Supreme Court. On XXXX/XXXX/XXXX, I received a letter from the attorneys for XXXX XXXX XXXX f/k/a XXXX. informing me that I may be entitled to {$20000.00} if I agreed to a " deed in lieu ''. On XXXX XXXX, XXXX, I asked my free union legal services attorney to let XXXX XXXX XXXX know that I was interested in accepting that offer. I never received a reply to the XXXX XXXX, XXXX letter. During the litigation, I received a letter from XXXX and I sent a fax notifying XXXX that there was a title problem with my mortgage. All the foreclosure papers and mortgage documents mention house # XXXX but XXXX has no such house number and all the letters that I receive from XXXX indicate that I am the owner of house # XXXX. The building consists of XXXX ( XXXX ) attached XXXX ( XXXX ) family homes that are " connected ''. I own only XXXX ( XXXX ) of the connected homes. My neighbor who owns # XXXX discovered he really owns # XXXX not # XXXX. The foreclosure action brought by XXXX XXXX XXXX was discontinued on in XXXX XXXX. On XXXX/XXXX/XXXX, a new foreclosure action was commenced by Green Tree Servicing, LLC. I have been denied multiply loan modifications. One of the issues is that the appraisal being used for my home value, appears to be an appraisal of both house # XXXX and # XXXX making the house appear to be worth more than it really is. Even more confusing is that Green Tree has sent to me two ( 2 ) letters denying my loan modification. One letter dated XXXX/XXXX/XXXX and the second dated XXXX/XXXX/XXXX. The house value on both letters is different. I am not qualifying for the loan modification because the loan to value is not a true reflection of reality. I am a XXXX ( XXXX ) year old, single, XXXX woman who works for the XXXX. I borrowed {$460000.00} in XXXX XXXX to buy this home. I XXXX at work in XXXX, I was out of work on Workers ' Compensation and in XXXX I had surgery. The first foreclosure action was pending against me for four ( 4 ) years with no activity whatsoever by the lender. The interest ballooned to an amount that has brought the loan balance to over {$710000.00}. No matter how much income I earn through work and rental, it is not enough to qualify me for a {$710000.00} mortgage. Green Tree has put an artificially high value on the home or they are valuing the home connected to my own in reaching the various market values. 
On the denial letter dated XXXX/XXXX/XXXX, Green Tree values my home at {$720000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1200.00}. Then in a letter dated XXXX/XXXX/XXXX ( one day later ) Green Tree values my home at {$700000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1.00}, XXXX. Both proposed modification amounts I can afford with my current income. Yet, I have been denied a modification.
Product: Mortgage

Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.
Product: Credit reporting or other personal consumer reports

THESE INQUIRES ACCOUNT AND ADDRESS  WHERE MADE DUE TO IDENTITY THEFT. A FTC REPORT WAS MAILED TO ALL CREDIT BUREAUS AND CREDITORS AND THERE ARE FOLLOWED

 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX, of Brennan & Clark Ltd., told my receptionist that they are going to take over my bank account, and that was going to drastically affect " her '' paycheck. He also asked her if we ( my company ) were closing up the business or taking out bankruptcy. 
I thought this was illegal? He has no business telling anyone about " my '' business. 
Not only are they harassing me and my employees, but the amount of the debt was in dispute with the person I owe this money to. We have resolved the issue and they have worked out a payment plan with me.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$16000.00} XXXX XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXXXXXX Balance {$260.00} XXXX XXXX XXXXXXXX Balance {$85.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy Federal Reference # XXXXXXXX XXXX XXXX Bankruptcy US BKPT CT XXXX XXXXXXXX Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted XXXX XXXX on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. XXXX loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 which 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 Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} US DEPT ED XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$1300.00} US DEPT ED XXXX XXXX : {$7600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, NYXXXX  XXXX XXXX XXXX  XXXX , NYXXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 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: Debt collection

I have already payed all my debt to the debt collection agency that I had owed back in XXXX because after I paid that amount I did not hear from the agency again. 
Now in XXXX, I get a letter from a different collection agency that I owe some other amount to the same creditor I had dealt with back then. 
I called the creditor and they had no information of mine besides what was noted from the previous debt collection agency. The previous debt collection agency did not document the full transaction. The creditor said that they changed debt collectors and the new one has gone far back as XXXX to collect debt. 
Unfortunately, I trashed all my documents that were dated back XXXX years ago and I 've also contacted my bank asking for statements from back then but they do not go as far back as XXXX years. 
I had high hopes in getting my bank statements because that would give me evidence that I paid more than what the creditor is asking. 
But I have no evidence of paying besides my memory and my letter to the debt collection agency I had saved in my email. 
What do I do? 
I have until this Friday for the debt collector to do something against me. I really do n't want to pay for something I already paid and am very upset about this whole mess. 
I do n't want to pay the creditor for something I already paid XXXX years ago and am just really upset this is happening. I 'm sure this is another way of scamming people of their hard earned money ... this is just unfair! 
Please help!! 

Thank you,
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

So I have XXXX XXXX XXXX XXXX credit card and they are one of the worst they have XXXX reviews on XXXX and they locked my account and told me they will call me back and didnt for a week I called them many times and they kept transferring me to different departments and even the supervisor hung up on me and all of them wasted my time my account is locked and they keep charging fee for locked payment and I cant even make a payment to access my account.and my credit score dropped to XXXX points and they pulled XXXX additional inquires on my TransUnion file for no reason in XXXX week. 

The next is XXXX XXXX there was some online XXXX  activity and I was unable to access my account my face lock was gone too and there was a all time high balance and some transactions were being showen from Nebraska and all over US that account is Closed but I need help with disputing it so my credit score can get fixed. Please