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

Dear Sir/Madam, I am writing to report a case of identity theft and unauthorized activity on my accounts, which has resulted in the fraudulent obtainment of services and goods from various financial institutions. I kindly request your assistance in addressing this matter and providing guidance on the necessary steps to resolve it. 

I recently discovered that my identity has been stolen, and the following entities have been affected by this fraudulent activity : XXXX Unauthorized accounts have been opened, and services and goods have been obtained without my knowledge or consent. 
Capital OneXX/XX/XXXX My account has been compromised, and unauthorized transactions have occurred. 
XXXX XXXX XXXX There has been unauthorized activity involving my personal information. 
XXXX XXXX XXXX XXXX : XXXX access has been made to my accounts, resulting in fraudulent transactions. 
XXXX XXXX XXXX My personal information has been misused, leading to unauthorized actions. 
XXXX XXXX XXXX : XX/XX/XXXX Unauthorized accounts have been opened under my name, and fraudulent actions have taken place. 
XXXX XXXX XXXX Unauthorized activities have occurred, impacting my personal information and financial well-being. 
Additionally, I have noticed two hard inquiries on my credit report, conducted by Cap One NA and XXXX XXXX XXXX. These inquiries were made without my knowledge or authorization, further supporting the evidence of identity theft. 

I have taken immediate action to mitigate the impact of this identity theft. Firstly, I have contacted the respective financial institutions and reported the fraudulent activity. They have initiated their internal investigations, but I believe it is necessary to involve an external regulatory body, such as the Consumer Financial Protection Bureau, to ensure a thorough and comprehensive resolution.
Product: Debt collection

I have zero knowledge of this debt. They are reporting on my credit report that I opened this debt in XX/XX/2022 and XXXX havent opened anything with XXXX XXXX in my life. I have received zero notification of the validity of this debt and it is not mine.
Product: Credit reporting or other personal consumer reports

I just got an alert from XXXX XXXX about a new credit inquiry on my XXXX report, which is always frozen. Discovery Home Loans made an inquiry when I never authorized any credit inquiry. The fact was immediately notified to XXXX, and will pursue a court case for identity theft, if they do not remove the inquiry. It was reported immediately to Customer Service, and the lady was not able to answer about verification. My reports are frozen, and they have been sending unsolicited offers by mail since I have a Discover Card, They can not stop pursuing other products. I told the lady immediately that got the alert and with XXXX the freeze worked, but with XXXX went through.
Product: Mortgage

We have filed complaint after complaints with the Cfpb. I have sent documentation after documentations. Every time I show that Wells Fargo has lied and still is lying. I sent in XXXX XXXX recites One in 2007 literally I had already said I paid. 
The simple fact is from time we started payments they were already stealing r them. They have been fined for exactly what I have sent in as proof! When will the cfpb actually hold wells Fargo responsible for the years and years of blatant fraud? I have shown payments from my bank and XXXX XXXX. Every complaint has stated they only can go back 7 year!!! 
Now shes telling me she needs bank statements from 2007?? Literally the XXXX XXXX recorrds as to where our ez payments where. To be told wrong number. Its XXXX XXXX and white! When do we Wv get any help from the cfpb?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to Experian for XXXX XXXX  XXXX account in the amount of {$560.00}. The reason for my dispute was because the last payment date/activity on this account was XX/XX/XXXX. This date was reported to XXXX  and XXXX  as well. Both of those bureaus have deleted this account from my reports as a result of the 7 year reporting period for closed accounts reporting negative activity. Experian has refused to abide by this law and remove the account on numerous occasions. I also submitted a dispute with them for the very same reason on XX/XX/XXXX. The only thing they have done is report the same information and update the balance date to reflect the same date I submitted the dispute. It is clear to me that they have not even attempted to contact the creditor for clarification, which Im not  understanding they should need if the correct information and dates were being reported to XXXX  and XXXX  why should they have anything different. Please remove this account from my report immediately.
Product: Credit card or prepaid card

On XX/XX/2022, I was browsing XXXX XXXX  and was shown and advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with a Apple/Goldman Sachs specialist who confirmed that I met the terms of the promotion and stated that I should receive it within 30 days of meeting the promotion terms. It has now been 45 days since meeting the terms and I still have not received the {$75.00} welcome bonus. Other customers online have reported receiving the welcome bonus within 24 hours of meeting the terms.
Product: Vehicle loan or lease

On and before XX/XX/XXXX, I went to XXXX auto house inquiring about a vehicle after receiving many marketing calls from them regarding a vehicle. When I went in to look at a few of their vehicles, I was asked if I had a trade in, and my response was no. I was under the impression based off of website marketing and me speaking to a auto sales man that they had a special for no down payments down to get a vehicle. After picking out the vehicle I wanted I filled in a few sheets of papers in regards to the contract ( handwritten signature ) and once we were finished I received a small packet regarding insurance. After leaving the lot, I noticed I did not receive my retail installment loan and requested a physical copy. I had to go back to the lot to retrieve and saw that forms had been fraudulently signed electronically and the price on the contract was thousands of dollars off from what I was originally told. I also notice AVP - & AVP GAP included in my auto loan which I did not request, and it states on my auto loan this is optional. When confronted they stated they were not able to make any changes to the loan as it was already filled and sealed. I was requesting the clause of the retail installment agreement, and did not receive that to see where I can go to get this loan voided. I still can not get in contact with anyone from the car delearship as of XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. Cooling and Winter are collecting for XXXX XXXX. I have two XXXX XXXX accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to Cooling and Winter LLC and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with Cooling and Winter LLC. She stated that we were service by a Sherrif regarding the debt owed. We were not. Cooling and Winter claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX p.m. on XX/XX/XXXX. 

My wife arrived at Cooling and Winter 's office at XXXX p.m. She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX p.m. decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to Cooling and Winter LLC, a sixty mile drive all to not have my issue resolved. Not to mention the  time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because Cooling and Winter LLC wasted our time. I have complained to Cooling and Winter LLC. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that Cooling and Winter LLC stated they were sending to us.
Product: Credit reporting 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 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 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 then records of convictions of crimes which antedates the report by more then 7 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: Vehicle loan or lease

I bought a new XXXX XXXX XXXX on XXXX/XXXX/XXXX and got a loan for about half the value of the car from Commerce Bank. When I went to add the new car to my insurance, the quote I got from my current insurance agency was too high so I switched insurance carriers and that took about a month - I had my new coverage established on XXXX/XXXX/XXXX. Commerce Bank is now insisting that I show proof of insurance cover from XXXX to XXXX or they are going to charge me a XXXX premium of {$220.00}. I understand their need to protect the collateral for this loan but those dates are in the past - I did n't have any accidents or incidents so I 'm not sure why they think they have a right to charge me retroactively just because I can not produce proof of insurance after switching carriers. I am just going to pay off this loan and be done with Commerce Bank because they XXXX!
Product: Credit reporting or other personal consumer reports

Credit report shows inaccurate information as it has been on my credit report past 7 years. Is that not a violation of consumer credi
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit hard inquirys that don't belong to me.
Product: Credit reporting or other personal consumer reports

JPMCB card, {$21000.00} credit limit, past due XXXX days+ > {$14000.00}, I am the victim of identity theft with Chase card services. Chase opened a credit card under my name and SS number without my approval. The fraud was committed by a person with a California address and I have never lived in California. I have provided identity information to confirm who I am and filed a police report. Chase has not communicated with me and has taken NO ACTION. This was first reported to Chase in XXXX and they refuse to remove the information. I have tried to communicate with Chase and have left email address and phone numbers but they never respond.
Product: Credit card or prepaid card

On XX/XX/XXXX, I closed my Paypal Mastercard because the interest rate was too high. On my XX/XX/XXXX statement, the APR was 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ) and so I assumed, because I already closed my account, the APR would remain at 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ). I was not concerned about my current APR from transactions after XX/XX/XXXX because I had a XXXX balance at this point. Upon reviewing my most recent statement from XX/XX/XXXX, I noticed my APR was 28.24 % ( for " Transactions on or before XX/XX/XXXX '' ). I never received a letter or any type of correspondence regarding my APR was to be increased. Therefore, on XX/XX/XXXX at XXXX, I called Paypal Mastercard at XXXX and spoke with XXXX . I asked her about why my interest rate was so high compared to my previous statements. She replied that my interest rate is 25.24 % and that she didn't see it as 28.24 %. Then, I told her I was talking about the interest rate for " Transactions on or before XX/XX/XXXX. '' She then responded the same way - that my interest rate is 25.24 % and she didn't see 28.24 % anywhere. I told her that needs to be fixed because I felt the company was trying to deceive me. 

I have attached statements from XX/XX/XXXX to XX/XX/XXXX with " Transactions on or before XX/XX/XXXX '' highlighted in orange. Below the above phrase is " Regular purchases '' which I also highlighted in orange. I also highlighted the corresponding " APR '', " Balance Subject to Interest Rate '', and " Interest Charge '' that I am concerned about. I attached XX/XX/XXXX and XX/XX/XXXX for comparison 's sake, but the XX/XX/XXXX to XX/XX/XXXX statements are primarily my concern. 

XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 27.49 %. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.74 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.99 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 28.24 %. Again, I never received a letter stating my APR was to be increased. 

I do understand my APR is a " variable rate '' but I had already closed my account. I also have other credit cards where the APR is a " variable rate '' but they don't fluctuate.
Product: Consumer Loan

Progreso Financiero now known as Oportun has been harassing me to pay by calling not only my references but also my employer. I receive calls about 10-15 times per day and rarely do they leave a message. The only time they do leave messages is if they were able to speak with someone. They leave messages saying that it is an extreme emergency that they get a hold of me to discuss business matters regarding my account. This company has very poor customer service. Oportun should not be disclosing any of my private information with any of my references much less my employer. Oportun has violated my privacy rights.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On X/XX/17, I contacted the Debt Collection Company by the name of DIVERSIFIED CONSULTANTS, located at XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Acct # XXXX, asking that they send me verification of the debt that supposedly I owed XXXX in the amount of {$240.00}, that 's appearing on the Credit File. I stated that the account had been paid prior to this amount being place on my credit file and asked that they provide me with Verification of the Debt. As of X/XX/17, Diversified has not responded. I also disputed the entry with the credit Bureau, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been vertified. When I contaced the credit Bureaus by phone, I asked what information did the company provide ( such as contract with my signature, names, bill or etc ) and was told they did not have that information available, that I need to contact the Creditor. Please help me get this inaccurate information removed. I may have owed XXXX but they were paid before this collection agency assumed the debt. Kindest regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am interested In processing disputes on my credit report to delete a report all inaccurate information that needs to be delete to correct my file. Ive we noticed alot of errors that are hindering my credit report a Needs to be removed asap. please review a delete all items listed to correct the file asap. I spoke to Comenity bank on XX/XX/23 on behalf of XXXX and I gave them all the necessary information and also advised I am a victim of identity theft I closed the account that same day and I was advised they will follow up and never did I'm getting negative reporting my my credit and this needs to be addressed
Product: Credit card

This account was charged off by the company and is still reporting a balance to the credit bureaus XXXX, XXXX and XXXX. It is my understanding that after the account is written off as a loss the balance should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is showing 120 days late for 17 months. The account still shows open and has been paid off since XX/XX/XXXX. It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the account was already paid off by then.
Product: Debt collection

On XX/XX/2021, I received a letter from Blitt and Gaines PC dated XX/XX/2021 stating that the debt has been retained by XXXX XXXX  so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.
Product: Credit reporting or other personal consumer reports

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX XXXX Account # XXXX XXXX Account # XXXX Experian Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I spoke with Credit Acceptance twice regarding my missing car payments XX/XX/2019 thru XX/XX/2019 on all 3 credit reports. They refuse to fix problem they created and violated Federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, I HAVE SUBMITTED COUNTLESS LETTERS TO THE BUREAUS REGARDING FRAUDULENT INFORMATION ON MY CREDIT THAT IS NOT MINE! THE BUREAUS ARENT HONORING MY DIPSUTES SO IM ASKING FOR THEM TO REMOVE ALL FRAUDULENT INFORMATION THAT IS ON MY FTC REPORT!
Product: Mortgage

Re : Covid-19 Forbearance due to Covid related loss of income I spoke to a Key Branch manager about forbearance in early XXXX ( Date? ) and was sent out a packet. I then called the mortgage department and was told NOT to fill out a packet, and to wait for a call back from Loss Mitigation. 
After several weeks, and no call-back came, I contacted a Key representative on XX/XX/XXXX @ XXXX XXXX  and spoke with an agent who Transferred me to the loss mitigation department. The gentleman who answered explained that no payments would be due for 90 days and that after that period I was to call in and a streamline process would take place, where we would be eligible to add the payments to the end of the loan. He also explained that he was the head of the loss mitigation department ( i did not get his name ) and we spoke for over 20   minutes about my fears that 4 months of payments would become due at the end of the forbearance. I am not working due to stay-at-home mandate in Pennsylvania and said we would NOT be able to come up, win 4 months. He assured me not to worry, and that as of now no other paperwork is required. 

Today we received paperwork in the mail to fill out ... I called and was told by an agent in loss mitigation ( XX/XX/XXXX ) that all payments ARE due at the end and that what was explained to me on XX/XX/XXXX is Incorrect. 

I would like to speak to the person who I spoke to on XX/XX/XXXX to confirm and get clarity. 

We are scared to death now that Key will be attempting to take the home weve been in for 17 years. 

I was very cautious and clear when going into this forbearance situation that we would not be able to come up with 4 months of payments at once, and I was assured on XX/XX/XXXX that that would not be the case.
Product: Debt collection

Attached is a copy of a collection letter from ProCollect addressed to my deceased wife, XXXX XXXX, who died on XX/XX/XXXX. Approximately 2 years ago, ProCollect started contacting my wife by phone/mail regarding this debt. At that time I contacted ProCollect by phone regarding the alleged debt and was told that it was for an emergency room doctor who treated her at XXXX XXXX XXXX prior to XX/XX/XXXX. ( I do n't recall the exact year, but it was prior to XX/XX/XXXX. ) This was the first contact that I can recall that was ever received regarding this debt. I verbally explained to ProCollect that it appeared that the Texas statute of limitations ( 4 years ) had expired on the debt and that I could not verify the fact that my wife owed the debt. I disputed the debt in writing and asked for verification, but received no reply. ProCollect has phoned many times ( not less than XXXX times ) and has sent many letters ( not less than XXXX ) to my deceased wife regarding this debt. The actions by ProCollect are a violation of the Federal Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was stress Ive sent a disputes for those inaccurate and unknown accounts on my credit report its almost 30 days now But I havent received any response. Im a victim of Equifax Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account Is a fraud listed below. I demand it is removed from the credit report Immediately. 


XXXX Account # XXXX The identity report is attached to this complaint.