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

I have recently received my credit report and I've noticed accounts that I have never applied nor had communication with, Its hurting my credit score.
Product: Credit reporting or other personal consumer reports

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. 

Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 

I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX are not my accounts and are not verifiable. 

Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2,
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXXXXXX XXXX Balance Owed : {$1400.00} 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/21 I logged in to my N26 account to check my balance, and was not allowed access as the company suddenly needed photo verification. Despite N26 already having photo documentation on file, I immediately complied and submitted a photo of my passport that day, and the N26 app said it was reviewing my documents.

The next day I received an email that I had violated N26s terms and conditions and my account had been closed. A quick internet search shows this EXACT same thing has happened to hundreds if not thousands of people.

N26 annually asks customers for photo verification, and when the photos are rejected by their internal review team for who knows what reason, your account is closed no matter what. Theres no discussion, theres no request for another photo or explanation of what the problem is, and the remaining balance is sent to the address on file.

I in no way shape or form violated N26s terms and conditions. But of course they have a fun line in section A ( 18 ) that they may close your account at any time for any reason or no reason. This qualifies as no reason, and hence is justified. 

No one should ever have their account shut down for absolutely no reason, with no explanation and no way to contest or restore their account. This is a terrible business practice, and has caused a lot of financial duress and insecurity for thousands of people.
Product: Checking or savings account

My checking account with USAA had a balance of {$46.00} in which I went to pay the balance today and was told my account was charged off. When I asked how and why would my account be charged off without me being notified and the balance was only remaining for 3 weeks. Also I filed XXXX XXXX bankruptcy on XX/XX/2022 case number XXXX and they refused to recognize my bankruptcy please assist me In starting legal action against them
Product: Credit reporting or other personal consumer reports

This was my complaint as a follow up for my previous complaint dated XX/XX/XXXX. Even though the other fraudulent inquiries were already removed there were still XXXX remaining in my credit reports. And I just need the Experian and XXXX Credit Bureaus to remove them as per FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. And the Credit Reporting Agencies are required to remove any items listed on an id theft report, which prompt me to include in this complaint and the previous my FTC Report with reference # XXXX. Here are the remaining inquiries that I need to remove from my credit reports : -- -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. XXXX contacted XXXX XXXX after I opened the dispute in XXXX of XXXX, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.
Product: Credit card or prepaid card

1st Issue : First and foremost this is a fraudulent transaction ; BoA should treat this as such. The vehicle purchased via XXXX, paid through XXXX, using my BoA XXXX card is a " not as described case ''. 

2nd Issue : BoA reviewed their records and indicated they provided service per procedure ; however, BoA overlooked conversations with BoA representatives who provided instructions to get repair cost estimates and then subsequently make the required repairs, then dispute additional incurred costs via a chargeback for the additional amount to complete the required repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute accounts with the 3 credit  bureaus. The accounts in question were reported incorrectly and some do not belong to me. Each time I have disputed the results are the same-no change, and they stated that the information is verified, however, I have personally emailed and even spoken on the phone with the CEOs or their assistants to get information on the accounts in question. After their investigation, which took days of research, they told me they are able to find the accounts in question and that there is not even any proof that I had accounts with them. So I can not understand how these credit bureaus can claim to verify information that the CEOs themselves can not validate. I have never received proof that these accounts are mine or being reported correctly. It is frustrating when these credit reporting agencies hold your financial life in their hands and they can not be trusted to do what they are there to do. The accounts in question are : XXXX XXXX XXXX- Account was opened XX/XX/XXXX and closed XX/XX/XXXX It had a credit limit of {$200.00} ( no account # listed on all 3 credit reports ) XXXX  XXXX  XXXX- Account opened XX/XX/XXXX and closed XX/XX/XXXX. It had a credit limit of {$600.00}. No account # listed ( XXXX  Only ) XXXX XXXX XXXX Account opened XX/XX/XXXX and no mention of when it was closed. Last activity was XX/XX/XXXX with a high limit of {$1000.00} and a balance of {$0.00}. No account # listed. ( Equifax only ) Rise- Account opened XX/XX/XXXX and closed in XX/XX/XXXX High balance of {$1500.00}, no account # listed ( XXXX  and XXXX  ) - Sent to collections XXXX . I  have disputed several times with no validation sent to prove this is my debt. ( All 3 bureaus ) XXXX- No account number listed. No mention of dates opened. No proof sent to me that this was my debt or why it is in collections. I have disputed several times. ( All 3 bureaus )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiries ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and OTHER FALSE INFORMATIONS from my credit report immediately.
Product: Credit card or prepaid card

I received a Target credit card invoice statement and l DID NOT apply for a Target credit card and l DID NOT charge anything! It was charged in XXXX, Indianna and l live in Tennessee. I called Target card services and my identity matched the charge. They are sending me a questionnaire to resolve the problem and are blocking the card. I used to work for XXXX XXXX and XXXX XXXX and they have terminals in that vicinity. Someone that works in the offices there must have fraudulently used my information because l havent worked for them in 2 years. According to the statement, the charge was made at XXXX in XXXX Indianna on XXXX XXXX. Target card services tol me to contact you so that you would be aware. Thank you.
Product: Credit reporting

Wrong credit information on credit report debt should have been released and is still showing as liable as I have files bankruptcy. below is what is appearing on credit reportCIVIL JUDGEMENT IN BANKRUPTCY XXXX XXXX XXXX $ 0XXXX XXXX XXXX XXXX $ XXXXXXXXable after filling
Product: Checking or savings account

Despite numerous attempts to open a checking account at various banks, I have consistently encountered denial. Furthermore, my recent attempts to open an account within the past few weeks have been unsuccessful, with repeated requests to consult early warning services.
Product: Credit reporting or other personal consumer reports

My address is incorrectly listed on my credit reports. My correct address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/XXXX, while at work, TITLECASH NOW ( XXXX ) XXXX repossessed my ( XXXX XXXX XXXX XXXX  ) for alleged non-payment. 

Until today 's date, they had refused communication regarding payment to re-acquire property or to retrieve my personal belongings from the vehicle. 

TITLECASHNOW also ( coerced ) me into signing a ( 2nd refinance loan agreement ) at a ( higher monthly rate but shorter repayment term ) with the promise of refinancing option being avoiding the alternative of repossession of my vehicle. 

I spoke with ( XXXX XXXX. XXXX XXXX today who said she had to make arrangements for me to pick up my personal belongings and would call back tomorrow. 

She also said that to retrieve vehicle from the auction site I would have to tender ( {$1800.00} today in CASH ) and those numbers would change ( daily ) because of the auction site storage fees charged. 

She lastly warned the car could be auctioned-off this Friday. 
I believe I have been a victim of ( Predatory Lending practices ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I do not have a XXXX XXXX credit card, nor have I ever been in the XXXX and this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lvnv funding llc XXXX XXXX XXXXXXXX same as lvnv vunding llc
Product: Debt collection

letter date XX/XX/22 amount : {$710.00} I called the company on the XXXX of XXXX to inquire why I am in collections. I gave them the last four of my social and birthdate and they were unable to verify with the information that they have on file. I attempted to dispute and was bounced around and with three different people who couldn't help me and ultimately left on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I filed a police report for identity theft. I listed XXXX  as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX  and XXXX removed all the fraudulent accounts including XXXX. Equifax did not. I re-sent the identity theft dispute to Equifax and was told that the dispute information was sent to XXXX. I recently was told to contact XXXX  directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called XXXX in the middle of the loan and gave my information to them which prompted XXXX  to start reporting the loan under my social security number. I was given an identity theft packet by XXXX to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX  form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
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 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX  XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over XXXX info as well and it shouldn't be.
Product: Credit reporting

I went to XXXX and reported that I had identity theft and that my accounts and debit/credit cards had been compromised.. I only use XXXX banks and dont ever recall opening up a XXXX account.. I was told that I had an account and that I abused it.. Due to the stress this identity theft has put on me I didnt argue I just told the guy how can I fix it immediately.. He said I had to pay the debt owed.. Long story short I paid at and made them aware that me paying it doesnt mean that I owed it and that I needed of off my report.. He told me ok aand in addition I should still dispute it and get a police report.. Which I did.. I wrote EWS a dispute and asked them to VALIDATE the information and send me copies of my documentation they have regardling this listing that bears my signature and also asked them to delete the info from under my social security number. I have yet to recieve any of this info and its been well over 30 days. I also want the names addresses and telephone numbers of the people they contacted at XXXX ... There may be identity fraud involved. I am aware of the XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 )
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA l 'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

They have been dropping my score for no reason. I have also asked that all addresses and phone numbers be removed except mine : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX But they acted like I never sent this letter. I have XXXX copies and returned receipts to prove I have told them to correct all the other address on my accounts that are not mine. They have no XXXX. Reason for the drops of credit for no reason at all, nothing added or dropped! Its absurd what they get away with. They are reporting inaccurate information on my report for a long time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got account that are inaccurate and need to be removed from my report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I called equifax to have a credit report freeze removed. After waiting 1.5 hrs I was connected with a representative and asked to upload my license and SS Card. There was an issue on thier end that would not take the upload. I was told to send a fax with the information which I promptly did. I was told it would be 3-5 days to have the credit freeze removed however it has never been removed. 

Today I received a code via mail to signup for myequifax to remove the freeze myself however I get an error that says " We are temporarily unable to complete this request. '' I can get no help from equifax to fix this issue. I'm attempting to refinance my house and can not without the freeze removed. Can equifax just keep putting me off and not fix this? Is this legal?
Product: Vehicle loan or lease

I purchased my car on XX/XX/XXXX with cash from Carvana. I received my registration for the car XX/XX/XXXX. I have not received my title and today is XX/XX/XXXX. 

I have contacted the company multiple times between XXXX and now to let them know I urgently need my title because I am now planning to move out of state but they have still not provided me with my car title. This is now affecting my ability to register my car in my new state, affects my residency status, as well as my taxes.
Product: Student loan

My loans were dismissed when I was determined to be XXXX due to XXXX in 2013. I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during XXXX and it is almost impossible to pay back $XXXX in loans. I only received an XXXX!
Product: Debt collection

I responding to your response from XX/XX/21 as you continue to disregard my questions. 

If you provided me funds in the form of a loan, Can you provide me with an actual document pursuant to GAAP ( General Accepted Accounting Principles ) pursuant to 12 U.S.C 1831n, showing where the money left your ( Village Capital & Investment LLC ) account to fund this alleged debt? 

Under what Law does it states you are the Original Creditor since this was a consumer credit transaction?
Product: Credit reporting or other personal consumer reports

I filed a dispute XXXX, chime/XXXX bank due to the information not being accurate. XXXX denied a follow with the investigation. I was recently notified that the CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with me situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or correct immediately as it is affecting my chances to get a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting

Transunion has me stated as having an account with XXXX that is supposed to be deleted from my credit file. The account was closed on XXXX XXXX, yet Transunion claims that the last date of payment was in XXXX ... which is incorrect and not even possible. Why would anyone pay on a closed account? I spoke with a representative at XXXX Bank and they say the information is correct and they TOLD Transunion and they still have not deleted it. If the account in question was closed in XXXX XXXX, then the date of first deliquency had to me months before, meaning past seven years. On XXXX ( which is owned by Transunion ) they even state themselves the account was closed in XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports