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

I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 attempts to have my report fixed they left the account as is. XXXX fraudulently opened a second account in my name reporting a balance during bankruptcy proceedings. There has been no communication to validate the debt and the reporting agency just left it as valid even though you can clearly see that the bankruptcy was active making any debt collection illegal they continue to validate the debt owed and the reporting of late payments on an account I have no knowledge of. They also state they " investigated '' however, there is no documentation so they are just automatically siding with a creditor without certified mail proof, signatures, or communication with my attorney that this was a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.
Product: Debt collection

called my cell phone with out consent, and did not give the whole foti message.
Product: Debt collection

ACCOUNT HAS BEEN DISPUTED BEFORE. ACCOUNT WAS DELETED BUT ACCOUNT IS STILL SHOWN ON CREDIT REPORT
Product: Checking or savings account

I tried opening a new checking account but I was denied due to negative items reporting to my checking report, please remove these items immediately!
Product: Debt collection

I already filed CFPB complaint # XXXX against National Credit Adjusters ( NCA ) on XX/XX/2020 regarding a debt that I filed a FTC Id Theft complaint as well as other documentation. National Credit Adjusters lawyer XXXX XXXX XXXX, XXXX. responded with the attached letter stating " NCA has reviewed your correspondence as well as our records. We apologize for any inconvenience you may have experienced. In order to resolve your concerns NCA has terminated the account as fraudulent. This means that all collection activity on the account has ceased, the balance of the account has been zeroed out, and the account will not be sold or transferred. ". Today at XXXX I received a call from National Credit Adjusters again regarding this same issue. The representative stated that she was not sure why I received the call because her records showed the account was fraud. This is my final time asking NCA to cease and desist all debt collection activities related to Total Card, that NCA immediately remove all of my personal information including my phone number from their database and for NCA to cease and desist adding any detrimental information to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported : XX/XX/XXXXCollection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX This is to report SECURITIES FRAUD on XXXX XXXX, Vice President and Indentured Trustee for XXXX XXXX XXXX, Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX ) XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX Vice-President received Registered Mail Number RE XXXX XXXX XXXX XXXX with a International Bill Of Exchange value of {>= $1,000,000} ( XXXX XXXX Dollars with XXXX cents ) ( See Exhibit B ) as transfer agent and INDENTURED TRUSTEE, Please wire these Securities to my TREASURYDIRECT Number XXXX and Routing Number XXXX On XXXX XXXX, XXXX XXXX XXXX Vice-President received Registered Mail Number XXXX XXXX XXXX XXXX a International Bill Of Exchange value of {>= $1,000,000} ( XXXX XXXX XXXX Dollars with no cents ) ( See Exhibit C ) as transfer agent and INDENTURED TRUSTEE, please wire these Securities to my TREASURYDIRECT Number XXXX and Routing Number XXXX XXXX XXXX XXXX Vice -President under INDENTURED TRUSTEE ACT OF XXXX IS PERSONALLY RESPONIBLE FOR THESES SECURITIES and wiring them to my TREASURYDIRECT Number XXXX and Routing Number XXXX. 

Under XXXX ( See Exhibit A ) The XXXX settlement cycle means that trade-related settlements must be done within a day, or XXXX hours, of the completion of a transaction. For example, under XXXX, if a customer bought securities on Wednesday, they would be credited to the customer 's account on Thursday. 

XXXX XXXX, Vice President had 3 days to DISHONOR these Securities, both of these International Bill of Exchange. He DID NOT! 

To this date XXXX, XXXX XXXX, Vice President has NOT wired these {>= $1,000,000} and {>= $1,000,000} for Total {>= $1,000,000} worth of Securities to my TREASURYDIRECT account Number XXXX and Routing Number XXXX. Which is that XXXX XXXX, Vice President has committed Securities Fraud and Trust Fraud. XXXX XXXX, Vice President has a fiduciary responsible to XXXX XXXX XXXX, Beneficial because he is Indenture Trustee for TRUIST BANK because XXXX : XXXX has Beneficiary Account at TRUIST BANK. XXXX XXXX has not acted as TRUSTEE. 

This is Demand that XXXX XXXX wire these INTERNATIONAL BILL OF EXCHANGES valued at {>= $1,000,000} ( XXXX XXXX and XXXX XXXX Dollars and No/Cents ) to my TREASURYDIRECT Number XXXX and Routing Number XXXX. This needs to be DONE AS SOON AS POSSIBILE! 

Today on XXXX TRUIST BANK is demanding to close all 3 of my accounts for no reason other than trying to get out of there responibilty. I have NOT CONSENT to closing the account and to there DEMANDS. 

By : XXXX XXXX XXXX, XXXXeneficiary, Authorized Representative, without recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies, who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported: XXXX XXXX XXXX + XXXX Closed XXXX  Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX + XXXX Closed XXXX XXXX& Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX  Closed XXXX Reported: XXXX XXXX XXXX XXXX XXXX ClosedXXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX In good standing XXXX Reported: XXXX XXXX XXXX XXXX XXXX Needs Attention XXXX XXXX XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX  Needs Attention XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX  Needs Attention
Product: Credit card or prepaid card

There were 2 fraudulent charges on my card on XX/XX/XXXX for $ XXXX/each from XXXX. I filed a complaint with Direct Express as required along with filing a police report locally and an FBI report online. I canceled the card on XX/XX/XXXX and was charged {$13.00} to expedite new card. On XX/XX/XXXX I was given 2 Provisional Credit Adjustments for $ XXXX/ea. On XX/XX/XXXX a new fraudulent charge by XXXX for {$120.00} was placed on the NEW card. Did all of the same stuff as I did with first fraud less the FBI report. Canceled the card and again paid {$13.00} expedite fee plus a {$4.00} new card fee on XX/XX/XXXX. On XX/XX/XXXX two {$200.00} Provisional Credit Reversals were on my account. On XX/XX/XXXX two Reversal Credits for {$200.00} were applied to my account. On XX/XX/XXXX XXXX Reversal Debits for {$200.00} each were applied to my account and it now sits at - {$400.00}! The XXXX charge is still currently in a provisional credit status for {$120.00} from XX/XX/XXXX. Due to all of this I decided to find a new banking institution and got all of my money out of that account on DirectExpress mastercard. I've been getting the runaround with DirectExpress and  their customer service is non-existent it takes forever to get a person and then they can't/wo n't do anything to help. Worst company I've dealt with ... EVER they need to be shut down!
Product: Vehicle loan or lease

Never received a Bill of Sale for the vehicle that was sold XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

i have an acct w/coinbase.com - the garbage about that isnt that i forgit my emaik address but i forgot the password i used on gmail and the verification? s so XXXX wouldnt givr me a temp password and lets say you forget the pass ok ya coinbade acct the only way they will let you bacj on ya acct is by sending that emaik addy a temp password. even though i will enclose the name address and ssn on that account.., :i have emailed them one time every week for the past month anf theyve just ignored me. 
i will attach solid proof of my old acct. 
can you help me get on my acct w/my funds?
Product: Credit reporting or other personal consumer reports

This company Modern Finance Corp keeps checkig my credit report without my permission. They are trying to obtain information for the purpose of identity fraud. I don't have any knowledge of this company. My credit file also has a fraud alert that prevent unauthorized access to my credit file. This company is obviously lying saying they have contacted me for permission to access my credit file, but they have not. They have done this multiple times after I have had it removed by the credit bureaus XXXX. They have been doing this for more than 7 years.
Product: Credit reporting or other personal consumer reports

I want to contest the inclusion of fraudulent accounts on my credit report, which have not been removed despite prior requests and documented identity theft. I understand that the failure to remove these fraudulent accounts is a violation of credit reporting regulations. I have reached out to the bank thru a phone call and they have approved to remove the accounts from their records as it a fraudulent account. Additionally, XXXX and XXXX have already deleted the accounts due to my letters and documentation presenting my claim. Im questioning why youre still reporting these accounts? My mind really questions. Delete the accounts right away. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX and spoke its representative, XXXX, at telephone number XXXX. She reviewed the account stated that she would send me the loan information by mail including the promissory note. I informed her that I had submitted a CFPB complaint in XXXX and XXXX and had received responses from XXXX stipulating the loan was put on hold due to a bankruptcy lawsuit in XXXX. She mentioned that the loan was initially {$7000.00}. It has ballooned to {$18000.00} since it has been on hold in XXXX 's bankruptcy lawsuit by other plaintiffs. XXXX also mentioned that the forbearance interest grown within that 9 years should've been assessed based on the filing of bankruptcy by the borrower, and I have never filed for bankruptcy. 
XXXX has not explained why it put this account on hold for 9 years on a bankruptcy lawsuit hold and allowed it to grow in high forbearance interest. 

XXXX with XXXX on XX/XX/XXXX told me that she would send a credit retraction to the credit bureaus after collecting {$1200.00} from me to bring the account up-to-date -- after I had not been informed of when the account would be out of the bankruptcy lawsuit hold that XXXX placed the account in for 9 years. XXXX debited the {$1200.00} from my bank account but has apparently deleted the record from their system of XXXXXXXX XXXX planned credit retraction with the credit bureaus based on my conversation today with another XXXX representative. 

I have been getting the runaround from XXXX 's Customer Advocate, XXXX XXXX, XXXX. I have several email communications with her where she instructed me to call her at a given number, but upon my call, she was not listed in the XXXX system by the name she provided ; so the representative initially could not find her ; after several attempts by the XXXX rep, he was able to contact her, but she would not take my call on that day. She responded to my email stating she had technical problems but gave me a time and date she would be available to call me, but, again, she did not call me on the date and time she selected. I sent her another email about missing the appointed time/date ; she emailed me back and gave me the same story about technical problems. This has been going on for XXXX weeks with XXXX XXXX avoiding my calls or blatantly and deceptively giving me the runaround. XXXX XXXX and XXXX are acting like they are above the law. And after being sued by multiple plaintiffs and after a XXXX state attorney generals lawsuit and settlement for predatory lending practices, XXXX continues to behave in a disreputable manner. XXXX through its representative, XXXX XXXX, are abusing their power as holder of this forbearance loan. They have not retracted the late status with the credit bureaus as promised after collecting a payment from me for {$1200.00}. I would like this published widely and for the record. The credit bureaus should do a credit retraction of XXXX 's late status on my credit report. XXXX should be held to account for this financial abuse and should not be allowed to punish people for filing a CFPB complaint against them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undertrafficking accounding to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.14 ( b ) ( 7 ). 
I knidly request that you block this informationfrom my credit report whithin four business days. pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of Human Trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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

I am writing to address the issue of fraudulent personal information and unauthorized inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, indicating identity theft. This has compromised my financial security and caused significant XXXX XXXX  I request your immediate cooperation in removing all fraudulent information and inquiries from my credit report. I am prepared to provide evidence and take legal action to protect my rights and seek compensation. Your prompt resolution will alleviate my current distress and prevent similar incidents in the future.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

XX/XX/2016, Transunion had deleted XXXX inquiries off of my credit report ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX via XXXX ). I just looked at a recent copy of my report and these XXXX inquiries have been reinserted. I was never given notice as per the law that they were reinserted. I tried calling, but no one would help me.
Product: Debt collection

Portfolio Recovery services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing. 
debt is alleged until proven 15 USC 1691.

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.
Product: Checking or savings account

Me and my wife XXXX XXXX had lost are card and someone stole are info and been using are accounts with navy federaXXXX  and they wont let me close it or use my money in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on DSNB MACYS. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.
Product: Credit reporting

I was notified by XXXX XXXX that there was XXXX new account cards sent out and wanted to verify the charges. The charges were not mine and our address had been changed along with our email address. I then looked at our credit report and noticed the address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX listed as an address of mine that is in correct. I have never lived there or do I know the person who is using this address nor my wife. Please look into this as I suspect this to be the person who made fraudulent charges on my XXXX XXXX credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX NOT Authorized! 

Equifax : XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I tried to send AFFIRM INC a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AFFIRM INC is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. I already paid the account. 

I never received any response from them and they did not update the credit report as disputed. 

AFFIRM INC is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.