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

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the XXXX time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my XXXX credit report that did not carry over when XXXX acquired Factor Trust. I submitted the required documents to Factor Trust according to their website and request form. The request form states that I can submit items from two categories. SSN card, paystub with ssn and XXXX from one category and then driver 's license, utility bill with name and address and pay stub with address. I submitted a utility bill and XXXX. I received a message from XXXX who states they refuse to accept my XXXX because it does not have my ssn. I printed my XXXX directly from my work website which is at the bottom of the XXXX and my name is on the XXXX. I told her my paystubs or XXXX does not have a SSN. I have been a victim of identify theft before and they want me to fax my ssn over a unsecured line when their form states they will take the XXXX without ssn. I told her I already gave a utility bill, I could give a paystub and else to put the freeze on. And she still refused. It is common sense that I have proved my identity and she is requiring something not on the company form.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with American Express since learning of this account. Ive signed identity theft at American Express request however this negative account continues to appear on my credit report. At one point, American Express advised me that the account has been turned over to a debt collecting company, XXXX. Ive spoken with XXXX as well and told the account manager that this AMERICAN EXPRESS account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on active orders and deployed to XXXX when this account was opened.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a XXXXXXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX balance of {$18000.00} that appears related to the aforementioned XXXX XXXX account opened at XXXX XXXX Credit Union . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 XXXX Identity Theft Criminal Complaint # ( private case number ) 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 or other personal consumer reports

XXXX XXXX XX/XX/2023 Speedy Cash XXXX XXXX XXXX XXXX, TN XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Speedy Cash, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : 1. It has come to my knowledge and understanding that you have inquired upon my consumer report on XX/XX/2023. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Created On : XX/XX/2023 XXXX XXXX XXXX : XXXX Transunion has been unable to supply me with any information on how they proved the accuracy of this account. This matter has gone to court is which I won the case.
Product: Credit card

I requested information from this creditor on ( XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were appliedXXXX XXXX  allocation of payment.
Product: Credit card or prepaid card

me and my ex wife had a credit card from bank of america before we divorce .the card was close in 2012 with a balance of {$5100.00} and since then this have been on my report have called several times to discuss the situation with them all to no avail.
Product: Checking or savings account

I have been a customer at Bank of America for more than a decade and in XXXX I saw that I was charged a $ XXXX monthly maintenance fee. On website and by phone I was informed that I was charged the fee because I did not carry a minimum {$10000.00} balance. I had NEVER carried a balance that high. The bank claimed it had not changed policy, but representatives were unable to explain why I was suddenly assessed maintenance fees. I was again charged fee in XXXX, and bank refused to waive fee.
Product: Vehicle loan or lease

I have an account with Yamaha for two jet skis that I purchased. My XXXX payment was due on XX/XX/2020 and I made the payment over a week early on my banks bill pay. I started getting text and email messages that my payment was due in a few days so I called Yamaha and they said they had not received it. I called my bank, XXXX XXXX XXXX, and verified that they transferred the funds to Yamaha on XX/XX/2020. They called Yamaha and spoke with them while I was on the line, and provided them with confirmation that Yamaha received the payment. this was on XX/XX/2020. XXXX XXXX XXXX provided them with all of the information they requested and they said they would follow up with me within 24 hours. I have gotten three collection calls since then, and each time I explained that the payment was made and they were supposed to be investigating where it went. Every time, the person on the phone assures me he is going to escalate this issue to a supervisor and it will be resolved. It has been almost three weeks since the payment was received and two weeks since I was promised that I would have a resolution within 24 hours. Today I received both an email and a text message that my payment is past due and I have to make it immediately. If this is not resolved this is going to affect my credit and cause me damages.
Product: Payday loan

Pyments were twice a mth. Bcause of personal issues. Requested once a mth pymts. They said ok. Well bcause of same issues was already late for XXXX pymnt. I was called by WHO I THOUGHTwas the collections dept. I agreed to make my mthly pymt higher the XXXX of the next mth. So a few mths go by all is fine, but when I think its my last draw and should be 1/2 a draw bcause they did a XXXX draw that i was n't expecting a full pymt was taken and I found out at that time that they were not the company I contracted with, but a collection agency. When I called them, they refused to give me back my money. The lender was XXXX. The last draw they took was XXXX/XXXX/16 for XXXX. I recieved an email from them XXXX/XXXX/16 approving the renegotiation payment date. My balance was roughly {$2700.00}. When i recieved the call in XXXX I thought nothing of it, because I was late, and I figured they wanted to up the payment. I was in my car at the time, and I had people in the car with me. I agreed to the upped payment gladly, and made the payments gladly, because as I said i thought I was talking to XXXX!!!! Once that over draw came out and I called them and found out they were debt collectors, I was horrified!!!!! I told the to listed to their tapes, and they could easily tell that I thought I was talking to XXXX because I even mentioned the young man who called me initially when I was running a week behind on my payment. I told them to give me my money back!!! So far they 've refused. Ive been going back and forth for some weeks now. I want my money back. As far as I 'm concerned they 're thieves. I know they could tell that I thought I was talking to XXXX. When I said that to them, their response to me was " Why do you care who gets the money ''!!! They owe me a minimum of {$220.00} and I want it back. They 're Liars and Thieves. I hve the emails from elastic, my bank statements.
Product: Credit reporting or other personal consumer reports

This is my follow up to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -EQUIFAX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX 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 TransUnion 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 an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), A collection Account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and A personal loan Account opened at XXXX on XX/XX/XXXX under the account number XXXX and personal loan Account opened at XXXX on XXXX with the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) as proof from the XXXX 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 or other personal consumer reports

These loans are from attending University from XXXX. First serviced by XXXX XXXX XXXX then transferred to XXXX around XX/XX/XXXX. While serviced by XXXX XXXX in XXXX, on a leave from college I had applied for deferment when the loans began payment due to being a less than XXXX XXXX XXXX. During the time the application was being processed and eventually approved, I was being penalized for several 90-120 days late payments. This still affects my credit report to this day. I believe these negative marks should be removed from my credit report. Secondly, in XX/XX/XXXX my loans were transferred again to XXXX after applying for PSLF. Since XX/XX/XXXX I have been attempting to get XXXX to report my loans transferred and closed to the credit bureaus. I have been successful with XXXX student loans. I have included letters and spoken with representatives to no avail. I have suffered the consequences of derogatory credit reporting that is simply incorrect.
Product: Checking or savings account

On XX/XX/year> a hacker was able to access my XXXX XXXX account online. They transferred money from my bank account to my IRA then sent a bank wire using the funds from my bank account and my IRA to an unknown party. I did not authorize any of this. I called swab the day that this occurred. They basically told me that they could put in a recall to try to get the findings but if they could not there was nothing else they could do. However when I opened my schwab account I opened it because what they advertises the swab security guarantee which states " We offer you this simple guarantee : XXXX will cover losses in any of your XXXX accounts due to unauthorized activity. 
The highest levels of security are only possible when we work together. To ensure your protection under this guarantee, it is your responsibility to : Safeguard your account access information.1 Please do not share your account access information, including but not limited to your login ID, password, PIN and transaction codes, with anyone. If you share this information with anyone, we will consider their activities to have been authorized by you.2 Report any unauthorized transactions to us as quickly as possible.3 If you suspect you are a victim of fraud, please contact us immediately at XXXX '' I did not share my login information to any individual and reported the unauthorized transaction as quickly as possible but XXXX XXXX is still saying that I am liable for the {$10000.00} loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX 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 a account without my written instructions
Product: Student loan

I have reached out to company, wont abide by my bankruptcy and you keep shutting my complaints out. They have started to report negatively on my credit and co borrower since I have been refusing to pay. I can not afford the loan and need the help of the cfpb and not say this complaint is the same as my previous complaint, this company is violating my bankruptcy discharge papers and wont help me out in any way
Product: Credit card or prepaid card

This complaint is for Equifax Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX Im writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX CA. However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX. My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXXXXXX XXXX XXXX CA. Ive been a victim of identity theft, my identity was used to open accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX, and XXXX XXXX XXXX. I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX  XXXX XXXX account. However, the fraud department of XXXX  XXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and SSN.
Product: Credit reporting, credit repair services, 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 Bankruptcy -Reference XXXX XXXX Account XXXX : XXXXXXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX  XXXX  Account number : XXXX XXXX XXXX Collection Account number : XXXX XXXX XXXX Collection Account number : XXXX XXXX XXXX  Collection Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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 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: Mortgage

I requested my mortgage statements that have Ocwen and Homeq were hiding from us. Phh mortgage now owns them and has to be accountable for all of their theft. When I received the statements via certified mail I almost passed out. So much money has been stolen from us that it is beyond unreal. There are fake insurance companies, fake account numbers on our credit report, fake nsf charges for returned checks ( i do not even have a check book ), fake late payments, fake escrow charges and etc. You can see where they copy and pasted payments and then deleted them. They made a HUGE mistake when XXXX payments show in XXXX. 65 percent of the statements have been altered or forged. My XXXX XXXX payments are missing and none of the escrow accounts are correct. Then they were illegally charging me XXXX dollars from our account to pay them. Its illegal. I have asked for a payoff STATEMENT 6 times and they keep sending payoff quote. I want the statement not the quote. They refuse to give it to me because of the theft. Then they went under the website and put in parentheses not actual payoff under all my statements. They just did this on Friday of last week. They know XXXX XXXX is about to hit the fan. It is unbelievable. They whited out so many numbers and then replaced them with numbers to cover the stealing. There are so many people they have defrauded but none of them is XXXX as me. 

They took almost XXXX out of our account several times and have it under long-form as an explanation. There are nsf charges for XXXX and late fees when we paid on the first through bill pay. 

We are devastated and so upset they did this. I want them prosecuted and I want to sue them. I want the deed to the home asap and I am XXXX off. They refuse to respond and I am sick of it. I meet with an attorney Friday to start the lawsuit. I have all the proof you need!
Product: Mortgage

My XXXX and I were interested in obtaining a Home Equity Line of credit to make XXXX on our home. The lender told us there would be a 'drive by ' appraisal to assess the value of our home. The XXXX called me directly and asked me how much I paid for my house. I told him, thinking this was normal for this process. He assessed the property for {$30000.00} less than what it was assessed only XXXX XXXX years ago. The lender then informed me that we would have to pay off our original loan by a certain amount ( through the use of the HELOC ) in order for us to progress. I knew enough to not move forward with this, due to the fact that it was an adjustable rate and my existing home loan has a very low APR. I just want to be sure no one else falls victim to this scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX I have the rights to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX Reporting 30 days past due for XX/XX/ 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 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. Please remove this late payment from my credit report.