23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have been having an ongoing issue with cashcentral taking payments from my checking account on random dates without notifying me beforehand and they are not sending me receipts afterwords wither. On XX/XX/2018 I filed a complaint ( XXXX ) against them the first time it happened. It caused my account to be overdrawn and left me without any money and a pile of late fees as well. While they did eventually refund the money, they still have continued to charge me without notice or receipt. They admitted in the first complaint that it was an error on their end, but they have yet to take any actions to correct said error. 
I wake up today to find that my account is again overdrawn due to cashcentral. I am having extreme financial issues, which was the reason why I took out the loan to begin with, but I am now much worse off because of it. The last payments since my first complaint have been taken out on XX/XX/2018 XX/XX/2018 and XX/XX/2018. The dates of the last two payments are early and should not have happened. I am unfortunately living check to check at the moment and if these payments were taken out when they were supposed to be, I'd have no issue, but this has caused me an extreme amount of stress. 
I have not received any mail, email, or phone notifications from this company in regards to my payment scheduled payments since XX/XX/2018. These payments are supposed to coincide with my paydays and be taken out every two weeks on Friday. I am now yet again dead broke with no other option other than to wait for this complaint to be received and reviewed while I struggle to find money for food, travel, and other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX Card a few weeks ago and I wasn't approved on the spot now today XX/XX/2020 I received a letter in the mail stating the reason why I was not approved was because there were many accounts in negative standing appearing on my credit history. I had no idea there were negative accounts on my credit so I looked at my credit report and there are 6 accounts with negative payment history that are not mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I do not have any type of written/verbal contract with any of these companies and I never gave them permission to run my credit. I did not benefit anything form these accounts and I did not make any payments towards the debt of each account. I have filed this report to the best of my knowledge and I have also filed a police report regarding this suspicious accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX. account # 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 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Care Credit allowed a fraudulent charge from a XXXX, XXXX XXXX XXXX, in the amount of {$4000.00}. At the time of the treatment, XXXX XXXX had forfeited her license. The " treatment '' itself was a scam which had contributed to the forfeiture of her license. She fled the state and set up a new practice in Alabama where the licensing is much looser. Care Credit continues to have a relationship with her and funds her quackery in Alabama. I suspect that is why they refuse to follow the law under the Special Rule for Credit Card purchases and have told me instead to go to Alabama and sue her in person ( an impractical solution ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX , ACC # XXXX, Date Opened XX/XX/XXXX. XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX  XXXX Balance : {$22000.00}
Product: Checking or savings account

From your own XXXX  : " If the required information isn't received by XX/XX/year>, to the extent permissible by law, your ability to transact on the account, or accounts, may be restricted and your account, or accounts, may be closed. '' My wife and I hit XXXX years of marriage this year. We have NEVER had to verify her credentials. Then, you turn around a month later and have us do it again?!? 
Please pay attention to your language. 
This is why not having a CEO with XXXX experience is vital. USAA is WELL AWARE that I have XXXX, XXXX XXXX XXXX XXXX XXXX I have identified this repeatedly over the years because getting anything done with them is like pulling teeth. 
I can not believe, USAA, a XXXX bank, treats their customers like this? You guys have to assume your clients are combat Veterans. You have to assume a XXXX rating from XXXX % because of our actions on XXXX XXXX. YOU MUST ASSUME your clients are likely experiencing some form of XXXX. 
You guys are going to tell a member of XXXX years and honorably retired after XXXX  years, that you are going to take away his assets to fullest extent of the law?!?!? Are you kidding me? If you guys sent someone to my front door telling me what these two XXXX  stated, that would be grounds for a physical altercation. 
Your business model and tactics are reckless and a threat to the very people you are supposed to serve. 
I have submitted a formal complaint through the Federal Reserve and the Consumer Financial Protection Bureau. 
We just accomplished this task last month and you are coming right back at us with the same language. You guys are reckless and lost sight of whom you are supporting. We are in the process of paying our loans off with you and migrating our finances elsewhere. I have shared this situation with ALL of my XXXX friends and family who are USAA customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -TransUnion does not provide me the opportunity to " dispute online ''. 

OnXX/XX/XXXX I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- TransUnion does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XX/XX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the XXXX debt with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I became aware by a vendor pulling my credit that XXXX mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with Equifax and XXXX. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance XXXX reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of pain and anxiety, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

XXXX is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The XXXX loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at XXXX XXXX named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named XXXX XXXX.
Product: Checking or savings account

My Merrill account has been frozen for over a year! I have {$200.00} cash that I have not be able to access! They have been keeping my cash deposit XXXX and have given me no way to withdrawal it.
Product: Debt collection

I am constantly receiving harassing phone calls from this company. I had no knowledge what the calls were for but they just kept calling. They would even call my number at XXXX my time. However, I finally received a collection notice about a debt they said I allegedly owed to a company card XXXX XXXX. I have never heard or the original creditor and learned they are back east. Anyway I contacted the company A. Rogers Inc in writing to let them know they have the wrong person and that I am not in debt to XXXX XXXX. I requesting that they also stop contacting me via phone or in writing. After that the calls got worse- at least 5 times a day and still starting at XXXX. 

After that I received another collection notice from MS. XXXX at XXXX XXXX stating I owe a much higher amount than the previous collection notice.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 



Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ), an personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ),. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never used this address, nor do I know whom resides there. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- on XX/XX/XXXX XXXX I replaced a new bank account on my XXXX XXXX services site regarding the lease of XXXX XXXX XXXX model that I had acquired during the XXXX of XXXX. 

- on XX/XX/XXXX XXXX the transaction of {$180.00} was successfully charged. 

- I had never skipped any payment during my first year since I had got the vehicle. 

- There was more than sufficient funds available in my afore mentioned bank account. 

- For the next two months, I was not charged for my vehicle. 

- Around XX/XX/XXXX, I observed that my payments were not deducted from my account for the last two months. 

- Upon inquiry I was told by the collection department that they have no knowledge of what had happened. The assured me that someone will call me within 24 hours. 

- Nobody contacted me from customer service. Upon calling, they told me that I had requested not to call me. It was strange because the collection department told me earlier that someone will get in touch with me. 

- I asked them to go ahead and charge my same account for two outstanding and one upcoming lease installments. But they refused and said that I will have to remit these transactions to them instead. 

- I wondered why and upon inquiry I was told that I had defaulted for two months and that my case was given to collection department. 

- I asked them as to why I was not informed by mail or email and do they have any proof that I had lapsed on the said discrepancy for which they had no response. 

- I told them that I am not going to pay any surcharges as it was not my fault. They do not have any proof that there was insufficient funds in my account. I have the online bank statement to attest it. 

- They agreed and waived off the penalties. I also intimated them to not report this to credit because it was incorrect and that there was a technical systems error on your part and that I had not lapsed in payments from my side. 

- I was assured that if might reflect initially because the outstanding payment crossed that 60 day mark but that it will be removed from my credit history. 

- On XX/XX/XXXX I sent XXXX XXXX Services the three installments amounting to {$560.00} on XX/XX/XXXX they waived off the penalties amounting to {$20.00} which is reflected in the XXXX XXXX Services Statement. 

- Also my credit history can reflect that I had never missed any payments from any creditor. And that within a year my credit limit has gone from {$1000.00} to more {$50000.00} with a credit score of XXXX with XXXX, XXXX with XXXX and Fico Score XXXX. 

- This has been due to my responsible spending habits and ability to furnish my financial obligations in a timely manner. 

- Upon my dispute with Credit Karma I was informed in an ambiguous fashion that the payment was on time. And that the amount disputed are incorrect. 

- In both cases it is redundant and inaccurate. As there was no failure on my part whatsoever and this conclusion given is rather confusion impeding the rightful course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had found a FTC report more than 60 days ago addressing not only unauthorized inquiries but also increase made from me being a victim of identity theft and I was trying to obtain Credit in my name there are 11 hard inquiries that are not reporting 100 % accurately because I never gave my written consent under Section 609 it says I'm entitled to All Sorts documentation including contractual agreements with my signature to prove that it was in fact me who applied for this credit which has yet to be provided to me in the past 90 days while I've been trying to handle this and I've done it by the book between fgc reports and riding letters listing the law violations along with only asking what the law provides by them sending me contractual agreements to prove that it was me who tried to obtain credit none of this has been provided to me and it violates the fcra and I would like these inquiries deleted because they should not be on my credit report without my authorization for others to look in to my credit also violates permissible purposes since I've never said that this was okay
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX XXXX  on XXXX and XXXX XXXX  on XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  on XXXX and XXXX  XXXX credit co on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .am a vitem of identity theft please delete these inquiries immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting numerous Dispute letters and CFPB Complaint against the Credit Bureaus and I am submitting this this another CFPB Complaint once more to request to the Credit Bureaus to correct my Credit File from erroneous reporting of information. Under the FCRA, the Credit Bureaus are required to finish their investigation within 30 days and send a copy of proof of verification to the consumer, however, despite my constant submission of dispute letters to the Credit Bureaus, they have failed to provide me the necessary documents. I am submitting this CFPB complaint to remind the Credit Bureaus to once again take a deeper look to my Credit File and correct any misleading information that can be found on my Credit File. I need the following accounts corrected at the earliest possible time : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

Chase has illegally re-aged debts it is reporting on my credit report to add 2 years to the period of time it will remain on my credit report. It has reported the late payments as closer to the present so that the damage to my score is maximized. I disputed these items with the credit bureaus, with Chase, and through additional correspondence. There is no valid excuse for these entries to be incorrectly reported. I want the XXXX student loan entries deleted. Chase also reports a credit card. I have no confidence that this is reported correctly and would like this entry deleted as well. Please see the attached documents.