23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, the consumer, as defined in 15 U.S. Code 1692, a natural person, have reported to Credit Control LLC of their Federal violations under the FDCPA, which negatively affecting my individual credit reporting. I invoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K as outlined in the invoice. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact me any further about this alleged debt. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company on company letterhead.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$33000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I needed a hardship at the time I've contacted them via telephone and the app. The credit card company sold my information to Midland without my permission.i feel violated about the situation and harass at time.
Product: Checking or savings account

American Express Savings blocked me from accessing my account by disabling my ID without any prior notification. When trying to login to my American Express Savings account which I've had for XXXX years, I got a notification that my ID no longer existed, and I was unable to access my account. When I called customer service, they informed me that they had blocked my access in violation of their terms of service which state that " You may access our website at any time at go/amex/savingshome. If you have enrolled if you have enrolled in online banking and established a User ID and password. '' Only after spending hours on the phone with several processors did they determine that I was indeed never sent any notifications because I get my statements in paper format, and that they were trying to extract additional personal information from me so that they could link my credit cards to my savings accounts. I was eventually informed that they hadn't XXXX my ID or Account, they had just hidden access to it behind a new URL that again was not documented ( and still is not ) in their Terms of Service. 

This appears to be an attempt by American Express Savings to prevent customers from withdrawing their funds while banks everywhere are struggling with customers leaving for better rates elsewhere.
Product: Vehicle loan or lease

XX/XX/XXXX Re-financed SUV from XXXXXXXX XXXX  to PenFed Credit Union XX/XX/XXXX - Received correspondence from PENFED Credit Union they had not yet received title or any evidence of a perfected lien and to immediately send to them. 
XX/XX/XXXX - Mailed copies of XXXX XXXX  information showing account had been paid in full and a copy of the Certificate of Title to PenFed Credit Union in a self addressed envelope they had provide addressed to XXXX XXXX XXXX, XXXX, CA XXXX as requested. 
XX/XX/XXXX - Received correspondence from PenFed requesting I sign and return to them a West Virginia Division of Motor Vehicles " Voluntary Lien Created After Issuance of Original Title '' provided by them to the same address above. 
XX/XX/XXXX - Signed and return requested form. 
XX/XX/XXXX - Received correspondence from PenFed advising me they had a " system flaw '' and were informing me of a correction to the promissory note dated XX/XX/XXXX correcting the maturity date to XX/XX/XXXX. 
XX/XX/XXXX - Received correspondence dated XXXX advising me they were raising the APR on the subject vehicle a XXXXXXXX XXXX from a fixed rate " secured '' loan@ 1.99 % to 14.00 % theri " Highest closed end unsecured loan '', a {$190.00} increase in monthly payments to ne effective XX/XX/XXXX because of my failure to provide the requested copies of the title and loan pay off information from XXXX XXXX  which I had sent to them on XX/XX/XXXX. 
XX/XX/XXXX - I called XXXX the number they provided and spoke to " XXXX '' and explained the information above. She contacted her supervisor " XXXX '' who stated I would have to go to WV DMV, request a duplicate title and send to them via a service that provides a tracking number. This was necessary because they never received the title I sent on XX/XX/XXXX. I requested to speak to their supervisor but was told they would put in such a request but I would have to wait for one to call me back to discuss further but hey also would put in a request for a 60 day delay in raising the APR to 14 %. 
Obviously they are having issues with information handling on their end and are requiring me to take hours of my time and expense to provide them information I have already provided. Seems like a great excuse, " we never got it '' to raise my low rate to their highest
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$830.00} ; 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls incorrectly opened a credit account without my authorization. They have no signature from me authorizing them to open an account in my name. I only authorized them to approve me for an account which I had no intention of opening. To my knowledge I had paid for the merchandise with my debit card, and they were going to mail me a card to activate at my discretion ( which I had no intention of doing ). 

Without my knowledge, they applied a small balance of under {$250.00} to the account that they opened without my authorization and sent statements to the wrong mailing address for months I had no idea this account was open and then I was receiving statements. 

Only when I attempted to secure financing for a purchase. Did I realize that Kohls had reported me to the credit bureau and destroyed my credit rating from a XXXX down to a XXXX. After imploring them repeatedly to close the account and reminding them that they had no authorization written or otherwise from me, authorizing them to open an account in my name did they agree to take payment from me for the merchandise only and close the account in question. 

However, one month later, the derogatory Report from them still remains on my credit report, preventing me from securing adequate financing for current and future purchases ( for example, a preapproval for an auto loan with a 6 % APR has now risen to 11 % APR ). 

Kohls continues to drag its feet And not correct his mistake of opening of opening an account in a very deceptive manner. Yet Im the one paying the consequences for their deception. 

I need this removed from my credit report immediately and my solid credit Rating restored to a XXXX.
Product: Student loan

Received a letter from a Student loan consolidation that I thought was connected to the department of education, I called the number listed and was connected to an individual. after an hour and going into my fafsa to post a link I was given a 6 month installment plan of XXXX, i was informed after this 6 months they would write a check to my main Loan servicer to pay off over XXXX of my XXXX student loan. They took down all my personal information and my bank account to take the money out. My dad told me to do some research to make sure it was legit, I sent a email to the department of ED with a copy of this letter and was told they do not affiliate with this company, I believe they are trying to scam me out of money. I called my bank to place a stop on the remainder payments and put the one posted as a fraud to get my money back.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XX/XX/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.
Product: Consumer Loan

Refer to Case number XXXX I sent in a complaint regarding XXXX XXXX with a car loan. Last week I found out that Nissan of XXXX XXXX, Wi put through 10 banks for the loan on the credit bureaus which 9 of the loan requested was denied. So I have 9 rejections on the credit bureau that wo n't clear for 2 years which will bring my credit rating down. They should have told me the loan was rejected in the first place instead of trying every bank in the state. This was uncalled just so they can get there commissions and who cares how much damage I do to the customer. Also my brother XXXX XXXX was supposed to be the owner of the vehicle and I was suppose to be the co signer on the loan which never happened. But also they tried to put XXXX credit through 6 banks which was rejected so 16 times they submitted our credit to several banks which was all rejected except one. This is totally uncalled for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a business credit card which is included in company 's XXXX XXXXXXXX. The account holder is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX Under Bankruptcy law, this is clear harassment by XXXX and XXXX. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX XXXX 

I demand an end to the harassment by XXXX and XXXX.
Product: Checking or savings account

I deposited a check from the IRS that was due to me as a refund on XX/XX/year>. I waited a year and a half for the IRS to even send me those funds. The check was deposited and I am now being told that it will not clear until XX/XX/year>. I have never in my life had to wait that long for a check let alone a government check to clear. There are no other banks that hold your funds for 2 months before clearing. I have called numerous times and they say that they can not get a check verification from the bank on the other end that the funds are coming from. They also had the nerve to ask why I needed those funds released earlier than XX/XX/XXXX. I am relying on those funds to pay bills and now have to hold off for 2 more months. I have filed a complaint against capital one and reported this to the XXXX. I do not know what the process is with the bank and the IRS but that is money due and owed to me and should be given to me.
Product: Mortgage

When we sold our home 'Wells Fargo would not respond with a pay off amount in a timely fashion. We finally sent XXXX XXXX XXXX  just to insure the pay off was met. This was in XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have already disputed this claim previously with both this debt collector and with the fraudulent original owner XXXX XXXX  which owns the XXXX XXXX XXXX 
I am not responsible for this debt in question as I have been a victim of identity theft. 
My name, phone number, address, and social security have all been used fraudulently to impersonate me, which has been proven. 
I am asking this agency to please cease and desist all contact with me and attempts to collect this fraudulent debt. 

I am also mailing a written request as well to further dispute this debt. 

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

XX/XX/2023 I inquired my credit report from Experian for first time home buying purposes When I viewed it I was devastated at the inconsistency of the report and began disputing them Personal information My Name is XXXX XXXX It has never been XXXX XXXX Experian for years allowed creditors to report debt to my credit file Under two different social security numbers They had my social security number as XXXX Instead of my accurate social security number This is identity theft Because of this Ive asked to remove all inquiries reporting debt and unless they are willing to inquire the financial liability of those debts from allowing debtors to report to a fraudulent profile then all items shall be removed There are various addresses that I asked to be removed that they claim are verified I only want one address one name on my credit profile Multiple addresses on my credit profile are leasing offices to places Ive never been or dont lead to anywhere Ive also asked that those items are removed because how can you report a debt to a residential source that doesnt exist this is identity theft All inquiries that reported to Experian while they had the wrong personal information on my account especially the wrong social security number should refrain from reporting debt or collection because it is identity theft related As I exercise my rights to privacy and rebuild my credit profile. 

It is my understanding that you will recheck these items with the Experian who has posted them. Please remove any information that was reported in identity theft while Experian allowed debit to be reported under a false profile. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

15 U.S. CODE 1681 15 U.S. CODE 1681B 15 U.S. CODE 1681 C-2 15 U.S. CODE 16815-2
Product: Mortgage

I initially applied for homeowners assistance program, and they were taking long to resolve the issue and the mortgage servicer Mr. Cooper offered a loan modification and so I agreed but a few days later the assistance program was able to pay the remaining balance. I called Mr. Copper several times, and emailed them to cancel the modification and it still has not been canceled. I have not been able to see my account, nor have they generated a new analysis so that I can see my account. Attached is the only thing I could see since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting the credit bureaus in the past. I had discussed with them that the information reported across the three credit bureaus do not match at all. I was very persistent about the issues for many years and until this point nothing has been corrected or solidified fir accuracy. Other investigations have been conducted based on all disputes but nothing has changed. The accounts would come back as verified within days! 

According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This by the three credit bureaus have failed to conduct a thorough investigation and also have failed to do their role as a bureau for the consumer by law. All the bureaus did was contact the creditor directly to verify the account plus hard inquiries. They did not go beyond what was stated above. 

As of today XX/XX/2023, all three reports have yet to report 100 % accurate. Most importantly, per FRCA 15 USC 1681 everything on the consumers credit report must be investigated 100 % accurate. PLEASE SEE CREDIT REPORT FOR INACCURACIES. 

Accounts are as follows : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i think this happened due to the XXXX Data breech inquries XXXX XXXX XXXX XXXX XXXX  XXXX all on XX/XX/2022 all unautherized please help
Product: Checking or savings account

AFFIDAVIT OF THEFT & ROBBERY BY CONSPIRACY I, XXXX XXXX XXXX purchased a bus ticket from XXXX XXXX XXXX XXXX, location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, for {$180.00} on XX/XX/2019 with my XXXX   XXXX  Debit Card. After purchasing the ticket I became ill and could not travel. I contacted XXXX to request a refund and or a credit, and they refused both. Two days later I contacted my bank of my debit card : Comerica Bank XXXX XXXX XXXX, XXXX XXXX XXXX MC XXXX XXXX TX XXXX ( XXXX ) XXXX, I filed a dispute with the bank on XX/XX/2019 by mail and received a letter response from the bank on XX/XX/2019 informing me that they could not find an error and would not reverse the charges. I do not agree with having to pay for a product or service and not receiving the product or service. Please help me identify what authority these two entities have to not return my rights and property. 

XXXX XXXX XXXX
Product: Checking or savings account

I XXXX XXXX transfer XXXX dollar USD into my checking account ending in XXXX on XX/XX/year> from my investment account. Today Navy Federal Credit Union closed my account and took my money amount of XXXX dollar USD and I have no idea where that money is going, they refuse to tell me anything about and is asking me to call my investment account at XXXX, XXXX XXXX they do not have any information on it. Navy Federal Credit Union straight up stole my money from my checking account and close it refusing to return it. 

I have proof that this is my money, I have it list below.
Product: Credit reporting or other personal consumer reports

I have received a copy of my Chex Systems Disclosure report and I have seen the inaccuracy of the reports. The account is from XXXX the XXXX  or account is XXXX XXXX. I had non sufficient funds with this company and this is reporting funds which is inaccurate.
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. 

UNAUTHORIZED INQUIRIES : 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
Product: Mortgage

Client was looking to do a loan modification. A company called XXXX XXXX XXXX contacted him. He sent approximately {$4100.00}. He reached out to his mortgage company and they said they were not familiar with that company.