23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA you are expected to delete this inquiries.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I wrote to Experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any ab949dv item of information other than records of convictions of crimes which antedates the b.
Product: Vehicle loan or lease

Mechanics Bank Auto Finance claims an installment contract with my alleged signature was purchased by them. This installment contract contained a questionable VIN number. I requested validation, investigation, and reinvestigation, but Mechanics Bank failed to provide actual proof of their claim. As they have failed to produce results time and time again, I have been left with ruined credit and financial turmoil. 

After I revealed to Mechanics Bank that the VIN number was indeed inaccurate, Mechanics just updated their account information to reflect the correct VIN description as : XXXX, to match the contract. 

I called the DMV several times and requested a lookup of this VIN and my suspicion was confirmed that the number is not registered. My next question naturally is how could they have allegedly sold me a vehicle if the VIN isn't registered? Please see the attached documents from the DMV of XXXX. 

The attached form provides a description of the vehicle ( VIN ) that XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) and Mechanics Bank Auto Finance have claimed to be correct. The DMV has verified my suspicion that this VIN is in fact not real and XXXX XXXX and Mechanics are tying me to a FRAUDULENT contract. 

I wished for this to be removed from my consumer report numerous times. My credit was ruined along with my reputation so no reputable credit card company will approve my applications. I've been denied the benefits of my own credit for almost three years due to Mechanics Bank Auto Finance lack of thorough investigation. This has directly the degree in which I'm able to my provide for myself and my family. Unable to access the benefits of my credit is financially devastating and continues. I have provided more than enough information to Mechanics and wish for this issue to be resolved as soon as possible. I wish for Mechanics to provide relief for this huge inconvenience to me and my family. 

I will be entering a motion to litigate if my wishes are not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency TransUnion, XXXX  and XXXX. I have file a police report with the XXXX Police Department
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2024 Subject : Request for Copy of Form 1099-C Dear : RNT DEBT, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus.

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security Number : XXXX Date of XXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

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

Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DEPARTMENT OF EDUCATION/AIDVANTAGE  accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
Product: Debt collection

On XX/XX/XXXX my mother received a call from who we later found out was a debt collector from Northstar Location Services. They claimed to be a friend of mine who was looking for me. I know that this is a violation of 15 USC 1692e ( 10 ). Moving forward I would like all communication to cease and desist unless it is a written correspondence in regard to my remedy as I intend to sue for false and misleading representations and harassment and abuse.
Product: Debt collection

I have a pentagon account in my credit that I do not recognize and is greatly affecting my credit. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX ", " MILITARY STAR ", " XXXX XXXX XXXX. This charge may lead to a lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to consecutively ignore the letters and complaints I have been sending to them. I was a victim of identity theft and this is my third request to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any information not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some credit Bureua provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. This complaint is to notify the Credit Bureuas that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BV XXXX XXXX, MO XXXX
Product: Checking or savings account

SPOKE WITH AMERICAN EXPRESS AN THEY SAID THAT IT WAS A FRAUD RING OPENING THE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations on all XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I called BBVA customer service at XXXX XXXX  to voice my frustration about a late fee they had assessed will their bills did not allow adequate turnaround time to pay an unexpected annual fee, and spoke with a representative for 32mins and 57 seconds ( including hold times ) regarding my concern. The representaive stated the late fee on the bill plus another late fee not yet billed were removed. I asked that my account be closed, and the representative stated I had to go online, print a paper form, fill it out, and mail it in - I did just that. On a subsequent letter dated XX/XX/2020 BBVA confirmed my account was closed and confirmed my account balance was {$0.00} XXXX see attached ). I believed the matter to be closed until on XX/XX/2020 I went to close my savings account which had been used to secure the credit card mentioned above. Neither the bank teller nor manager could explain why {$110.00} had been deducted by the credit card side of the company on XX/XX/2020. I called the card customer service at XXXX and spoke for 19 minutes, and had to call a separate department at XXXX for over 45 minutes. Between these two representatives, I learned that BBVA decided to reverse the late fee removal, allow additional late fees to accrue totalling {$110.00}, and change the status of my closed account from " Closed by Consumer '' to " Collection/Chargeoff ''. This was done without my awareness and without any letter or phone call to me whatsoever. After the representatives both consulted their managers, I was given an apology and told the bank would return my {$110.00} within 5-7 business days. On XX/XX/2020 I was left a voicemail by XXXX with the BBVA Client Care Solutions Department and told that she determined this was not a banking error and that I would not get a refund. I tried to contact her by phone and email, but never was able to reach her nor get a return call/email. How is {$110.00} in late fees in XXXX without documentation even justifiable for a {$40.00} annual fee that was paid immediately upon receiving their bill XXXX XX/XX/2020 ), let alone the fact they reported to me in writing that my account balance was both {$0.00} AND now closed on XX/XX/2020? They said one thing on phone, but are trying to rip me off in reality. Please hold the bank accountable and help me get the refund of {$110.00} of bogus fees! Thanks so much!!
Product: Checking or savings account

I am filing a complaint against Wells Fargo due to inadequate customer service and over draft fees. i was with Wells Fargo when it was XXXX. I have so many issues from breech of data, missing money, fees out of nowhere
Product: Money transfer, virtual currency, or money service

I am a victim of cyber-crime committed on XX/XX/2023. Below is a series of events that transpired resulting in a loss of {$1000.00}. 

XX/XX/XXXX XXXX EST - Received an email from USAA stating that my cell phone number on my profile was successfully updated. ( illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that a person by the name of XXXX XXXX has been added as a recipient for XXXX transfers. Email address that was provided was XXXX ( illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$200.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that XXXX XXXX was added as a recipient for XXXX transfers. Email address that was provided was XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$300.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$500.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX XX/XX/XXXX - Approximately at XXXX EST I looked at my bank account online and noticed the illegal activity. 

XX/XX/XXXX - At XXXX EST I called USAA to report the criminal activity. I was told that my bank was going to be frozen to prevent any further illegal activity. Conversation lasted 12 minutes. 

XX/XX/XXXX - At XXXX EST I called USAA to discuss the situation further. The call lasted 18 minutes. 

XX/XX/XXXX - At XXXX EST another illegal XXXX transaction/withdraw of {$1000.00} was posted to my account in the name of XXXX XXXX ( Illegally XXXX. This occurred after I report the 1st XXXX illegal transactions and was assured that my account was locked and protected by USAA. 

XX/XX/XXXX - At XXXX EST I saw the illegal activity on my account. 

XX/XX/XXXX - At XXXX EST I called USAA to report the additional illegal activity. Was on the phone with USAA for 1 hour 19 minutes. 

XX/XX/XXXX - At XXXX EST I called USAA to get an update. Was on the phone for 1 hour 5 minutes. 

XX/XX/XXXX - Received an email/letter from USAA stating that no fraudulent activity was found and that no further action will be taken by USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Look at the attachment below. I have an affidavit attached from the Federal Trade Commision to this report below. Please Review attachment.
Product: Debt collection

On XX/XX/2018 I received a letter from a debt collector called TRANSWORLD SYSTEMS INC.stating that i owed XXXX when I called a representative to find out what the bill was in regards to she stated that it was for apparently running 3 tolls that cost XXXX each. When asked why the bill was XXXX she stated it was for violation fees.I stated to the representative that this is the first letter that I have ever received otherwise the tolls would have been paid in full.
Product: Payday loan, title loan, personal loan, or advance loan

EarnIn offers payday loans with over 300 % annual percentage rate ( APR ) in violation of DCs 24 % interest rate cap and without obtaining the required DC license. EarnIn call themselves earned wage access are just high-cost lending in disguise. EarnIns payday advance app, making clear that cash advance apps can not hide the cost of the loan or charge 300 % APR. While EarnIn advertises supposedly free options for obtaining advances, it pressures borrowers to pay so-called tips and requires fees of {$3.00} to {$5.00} for the instant advances it advertises. EarnIns balloon-payment payday advance apps lead to a cycle of reborrowing that multiplies costs. Payday advance apps like EarnIn, hides under the earned wage label also increase overdraft fees.
Product: Debt collection

I am being contact because Navient claims I am a customer reference listed by my sister. I have told them repeatedly that I have nothing to do with her accounts and to stop calling me. They leave me voice messages threatening to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each oof the inquiries above where done without my permission or knowledge and have ask them to please fix them by removing the inquiries. 
* My name is incorrect showing XXXX XXXX on my file Each of the below are incorrect addresses on my file * XXXX XXXX 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 or other personal consumer reports

An unknown individual has used my personal information to obtain mobile service and personal loans without my knowledge. 
XXXX XXXX XXXX  {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX As well as inquiries from these companies. 
XXXX XXXX XXXX I have filed a FTC report on these fraudulent activities.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN, I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT NAMES : XXXX XXXX, XXXX XXXX INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT EMPLOYER : XXXX XXXX FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Inquiry : XXXX on XX/XX/XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. Inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Credit card or prepaid card

XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX Business expert to review my case Follow Up my complaint to CFPB called and said " Temporary Credits are Permanet and Apply to Accounts " I apologize we disagree 1 ) Why are they called Temporary Credits IF THEY ARE PERMANET? 
2 ) On XX/XX/XXXX Statement Please explain what ( Total Credits ) Represent What Credits are Included in the amount of Total Credits? TRUTH in lending USAA STATEMENT of XX/XX/XXXX says CLEARLY ( TOTAL ) CREDITS APPLIED FOR THIS PERIOD {$910.00} 3 ) Please explain what ( Other ) Credits Represent ( {$2600.00} ) What credits are included in these? 
Am I to Add the ( total ) credit amount that is separated {$910.00} to the ( other credits ) {$2600.00} together FOR a *Real TOTAL of Credits.?? 

And please explain all the New Purchases I did NOT PURCHASE that say.Security of and An Amount Charged. to my Account No Explaination What these are NEW PURCHASES that I DID NOT PURCHASE FOR? There are {$1700.00} I HAVE NO IDEA WHAT THEY ARE FOR ** I KNOW I DID NOT CHARGE THEM
Product: Debt collection

I was in the process of refinancing my home in XXXX, where I've lived for over XXXX  years, and my mortgage company told me that my credit score was too low, When I got a copy of my credit report, there was a {$40000.00} charged to my report for an apartment rental outside of XXXX XXXX XXXX 

When I got a copy of the lease, there was no signature of mine on the document but my name XXXX XXXX typed as a reference. I've never been to this part of the country and I'm not responsible for the debt. 

I do have a family emergency and removing this charge ASAP will allow me to take care of my family in this critical time.
Product: Credit reporting or other personal consumer reports

Loan balance incorrect Payments were made during months they are listed as unpaid or late High balance is incorrect There is no credit limit because it's not a credit card but a loan so having a XXXX credit limit makes it look like I've over the limit. 
payment status has not been updated since XXXX and i've paid in XXXX and XXXX and soon to pay in XXXX