23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been in prison since XXXX and was released XXXX. I have had a problem with on going identity theft since opening and account with XXXX and XXXX XXXX. In XXXX of XXXX, someone found my wallet at XXXX and kept it. Started using my id and social and I canceled my XXXX XXXX XXXX immediately. I never applied for cash advances, I did pay off a car. XXXX said all of the transactions were done online. All payments were reversed into another account so all the money I paid on the car went somewhere else due to XXXX selling my information once completed payments and received checks for warranty over payment. They paid me because I paid too much then repossessed my car from my wife at work. Saying I was late? One minute the pink slip is on the way the next they tell me that I called to cancel payments and send it back to account number they were given. 
XXXX I have no idea about and when I went to the originating location of where account had activity they could not provide security footage or have a file on hand to show if an id was used. They said account was created online. I have submitted proof of incarceration, during dispute with credit companies, items being disputed are not on freeze but still show. I have XXXX plus inquiries I did not make or authorized to be made. I have a flag in check systems that I have nothing to do with due to the fact that I dont cash personal checks. I never had an XXXX $ payment to anyone and that was just added recently by way of fraud because XXXX XXXX XXXX was closed in XXXX so how could I have done anything with them? I was on my wifes account and our information was taken when my wallet was lost. 
Please help me to fix what going on. There are phone numbers on my credit report that are not mine and never were and thats the only evidence left of identity theft by way of those numbers because its still going on. One is still active and I only have one number. XXXX
Product: Debt collection

this collection agency continues to report a " discharged account on my credit reports as an open collection account and are still trying to collect this debt. I contacted this company and are refusing to update this account to reflect an accurate status.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT. 


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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages.

FAILURE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESULT IN LITIGATION TAKEN AGAINST YOU.

Sincerely, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated Material - [ Wednesday, XX/XX/2020 [ Early Prior Knowledge Developmental Summary Report ] Identity Report Summary with Possible Relations where the victims/claimant Identity was subjected to a conflict of Interest with the ; Federal, State and Local Government Operations ] : While living in the State of Michigan Ive been unable to find sustainable -- - Career Opportunities thats financially sustainable where Im able to afford the major essentials such as sustainable transportation due in part to my low credit score where Ive learned prior that my social security had in fact been manipulated fraudulently from a -- - Foster Care Social Services Agency Provided by the State of Michigan where the Agency named ; XXXX XXXX XXXX XXXX and the State of Michigan takes sole guardianship over your private essential documents with supplemental arguments thats sustainable and sufficient by the State of Michigan and the Michigan Supreme Courts System. However ; prior to ; Foster Care Placement Parental Rights ; is relinquish from the primary parental parents where it was determined that ; XXXX XXXX XXXX, was improperly neglected by his or her Parental Guarding therefore ; the State of Michigan and the Foster Care Agency, than appoints the -- - choice Foster Parent as Full Parental Guardianship of the -- - Foster Child ; who is determined as a State Ward in custody of that Foster Parents Care from the time of entry until he or she has phase out of the Foster Care Program. 

Recent Active Activities : Most recently, returning from the State of Georgia, while keeping a consistent investigative challenge with regards to my developing credit report and my credit history where Im challenging credit history by bridging the gaps, to my puzzling Identity and how my identity has shown inconsistency with regards to fraudulent errors done by the below documented suspects -- -- other than my own interest which means I had no known knowledge that this type fraudulent activity would take place upon my identity or upon my personal private credit platform. 

With that be stated -- - I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these vehicle accounts and did not authorize any vehicle to be purchase under my name or identity and never authorize anyone to use my driver license to register any vehicles with the Michigan Secretary of State -- - I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 

[ XXXX XXXX XXXX ] - [ Victim Recorder ] Leadership Development - [ Leader-Principal ] [ Government Member ]
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/2012 I purchased a brand new XXXX XXXX from XXXX Toyota in XXXX XXXX and upon taking out a loan I was told I would need to purchase a {$2400.00} extended warranty and was told that if I didnt use the warranty at any time while I had the loan I would get a full refund of the {$2400.00} upon completion of the car loan.
Product: Mortgage

I was approved for a loan modification, completed the trial period. Signed all the paper work and sent it back in XXXX. Speaking to all different people some say they have it, others say no. Forclosure is still on my credit report. I have a third party helping me, he spoke with XXXX XXXX at XXXX XXXX XXXX. Extension XXXX. She said she had the paper work on Friday. Monday she was no where to be found and no one can find any paperwork. I would like to sell my home and can't because of my credit report. This company is very unethical. This started with an illegal foreclosure on their part. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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 SOLD MY DEBT TO XXXX XXXX XXXX, TO WHOM SOLD TO XXXX AND FINALLY MIDWEST RECOVERY SYSTEMS, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.
Product: Debt collection

I am submitting this complaint about XXXX. I had a XXXX  balance with them. Recently I checked my credit reports and noticed that I am in collection with XXXX for {$100.00}. I went to the XXXX website and it shows a XXXX balance. I contacted XXXX on XX/XX/2018 and was told that it went to collection. I explained that I never received any notices nor phone calls to alert me that I was being sent to collection. The rep agreed no notice was ever sent out. Having this debt on all 3 credit reports is affecting my credit in a negative way. This is XXXX fault as how am I suppose to pay a bill if the system is showing a XXXX   balance.
Product: Mortgage

1 ) I would like an escrow analysis on my account. The rep I spoke to was unable to provide that.

2 ) I have a check from a homeowners insurance claim that needs Round Point endorsement. They refuse to do this but can't tell me why. 

Their phone menu doesn't direct you to a live rep. The options available don't meet my needs. The reps can't answer my questions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX BALANCED {$16000.00} XXXX XXXX XXXX XXXX  BALANCED {$16000.00}
Product: Credit reporting or other personal consumer reports

Tonight, I was very disappointed to discover unauthorized inquiries on my credit report, and I have no idea how they got there. When I checked my report as I usually do, these discrepancies suddenly appeared. I even refreshed the page, hoping it was just a mistake, but the inquiries still showed up. Im asking for a thorough review of the documents Ive sent to ensure this issue is resolved, so I dont have to worry about it anymore.
Product: Credit card or prepaid card

I was approved for a secured Discover card in XX/XX/XXXX with a security deposit of {$500.00}. I allowed Discover to draft the deposit using my routing and account number. After the probationary period, I was approved to graduate to a higher credit limit of {$2000.00} and have my {$500.00} security deposit refunded on XX/XX/XXXX. However, I did not receive the refund check. I contacted Discover in XX/XX/XXXX twice to find out where my refund check was. It was returned as undeliverable. My address has not changed. I have lived at the same address since XX/XX/XXXX. I provided them with my correct address again. I called again in mid-XX/XX/XXXX and spoke with a supervisor because I still had not received my refund check. I was told yet again that they would issue another check via US Mail, and I would have to wait 30-45 days to receive it. I called again on XX/XX/XXXX. I was advised that my check was mailed XX/XX/XXXX and that I needed to wait until another 30 days had passed before calling again. I have asked repeatedly and even offered to cover the shipping fee if they will just send it XXXX  or XXXX so I can have a tracking number. They said the only way they refund the security deposits is via check sent first class US Mail. I am seeking your assistance to receive the refund of the security deposit that I am entitled to. I am also seeking your assistance in changing this procedure because other customers are probably affected by it as well. 

Thank you
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the XXXX pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the XXXX pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX continue to report a debt that is not mine though Convergence outsourcing ... this is ruining my credit ... I have no knowledge of this debt. Prior to this they reporting this through XXXX and I send an affidavit of identity fraud attached, the debt was then removed but now shows up once again ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, Experian and XXXX is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.
Product: Credit card or prepaid card

I was charged {$63.00} ( sixty-three dollars and XXXX cents ) for a purported stay at the XXXX XXXX XXXX XXXXXXXX, MO on XX/XX/2021. 

My Bluebird American Express prepaid card was charged on XX/XX/2021. 

I NEVER STAYED AT ALL IN SAID PROPERTY THAT EVENING OR EVER. 

I sent a letter by fax to American Express at ( XXXX ) XXXX on XX/XX/2021 disputing the charge, which is American Express 's Document Upload Center. 

I NEVER RECEIVED A RESPONSE. 

Therefore, Bluebird American Express is COMPLICIT in defrauding me, and for allowing a fraudulent charge to stand!
Product: Credit card

Visit Capital One We're here to help. 
Product Name : QUICKSILVER Account ending in XXXX XXXX, We understand that sometimes you just can't do it alone, so we're here to help. Let 's work together to find the best payment solution for you. 

If you have questions, please reply to this email. 

Find My Best Option they have closed this account refused to validate this debt sold this account to a third party and are reporting this as bad debt on my credit report and they are sending me emails like this one attempting to get me to set up a payment plan on debt they have already written off without sending me my consumer copy of the 1099C they filed
Product: Debt collection

I have received collection letters and a negative account has been placed on my credit report for a debt that I do not owe this company. This account with XXXX has been previously removed from my credit report and now it is reporting again. This is not my account. I have provided the copy of my fraud report with the FTC.
Product: Credit card

I experienced extenuating circumstances which caused my account to incur late payments due to a closed bank account link to the account. I attempted to remedy the situation and the company closed the account. I reached out to the company to request my account be opened and the request was denied.
Product: Debt collection

The court of XXXX XXXX XXXX  ruled that support of this false debt should be provided, also I sent an emailed request to company Midland Credit Management advising this Is not my debt please provide any documentation showing it was. I received multiple harassing calls, I was never served a subpoena and never received any documentation of what is the origin of this debt with XXXX. I'm at a loss they want to garnish me in amount of {$2200.00} for fraud charges.
Product: Checking or savings account

My card and account was used WITHOUT my permission, for over a month time. I disputed all the transactions and it got denied. Whoever stole my debit card used over a XXXX dollars that I'm now out of because they didn't find a issue with the transactions. I'm very very very XXXX off.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX