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

This is my first 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$110.00} XXXX & XXXX XXXX Balance : {$960.00} XXXX & XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} 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 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

In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXXXXXX. XXXX credit limit XXXX XXXX XXXX  XXXX XXXX. XXXX credit limit XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Vehicle loan or lease

On XXXX the XXXX Citizens One Auto Financial had authorized XXXXXXXX XXXX XXXX  from XXXX, IL to repo the XXXX XXXX XXXX ( XXXX ) out front of my home and ordered by Senior Vice President XXXX XXXX. I had purchased this vehicle in XXXX of XXXX three old from and used. I had gone to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Sale Consultant XXXX XXXX. I had traded in a XXXX XXXX because it was shot up in front of my home. I put down a {$3000.00} payment in order to have a lower car note. My car note had a 7.120 % {$660.00}. 

I always had sent my car not payment through the USPS because Citizens One address Citizens One Consumer Loan servicing XXXX XXXX XXXX XXXX XXXX XXXX the vehicle has been damaged by the towing company at the front of the hood, scratches are on the front and back area of the vehicle and a seat cover was removed from the passenger 's side, I feel that the contract has been breached and I am requesting for a review of the contract, also the claim that payments of XXXX, XXXX and XX/XX/XXXX they didn't receive they did, I have receipts
Product: Mortgage

I applied with XXXX XXXX XXXX, specifically the mortgage loan originator XXXX XXXX. They ran my credit, took my personal information yet refuse to provide me with a loan estimate. This process began on XXXX XXXX, 2017 and today is XXXX XXXX,2017. He presented me with a prequal that just listed the rate. I found a home that would be built so I updated him with the exact mortgage amount needed, terms, taxes, etc. and he has refused to send me any term sheet, loan estimate etc. I asked why my credit was ran if nothing was going to be provided and he switched his words from saying I applied ( which is why my credit was ran ) to that I only partially applied. How do you partially apply to anything? In my opinion You dont partially apply to anything if your credit is ran, you say specific loan terms, down payments etc. Three other companies have had absolutely no problem submitting me this information, as is required by XXXX within 3 business days, but he for some reason refuses and insists on calling me multiple times a day when Ive asked him to stop and only contact me through email. I want nothing to do with this shady company and feel my credit shouldnt have been pulled based upon false pretenses and receiving literally nothing in return. Why would anything apply for anything to receive zero information? Disgusting way to do business. Upset my credit score will drop based on these misleading business practices.
Product: Checking or savings account

XXXX XXXX ATM {$1000.00} Deposit of {$50.00} 's + XXXX XXXX ATM Malfunction error appeared on screen. Sent a receipt of {$300.00} Deposit. XXXX Sat at the ATM XXXX called ATM phone # explained at XXXX to XXXX XXXX XXXX XXXX XXXX and {$1000.00}. XXXX stated see the ATM with money inside. Claims dept will help you correctly error. XXXX XXXX XXXX dept took information stated ok to leave ATM machine since I called received claims number. 45 days to research. Called XXXX XXXX XXXX stated still researching. Transfer to claims dept XXXX XXXX Tennessee to be transferred to XXXX Arkansas XXXX researching til XX/XX/XXXX but bank will give a temp credit on XX/XX/XXXX. Went inside same branch on XXXX to Deposit money and to speak to the manager XXXX who refused to help me.. He don't have anything to do with outside ATMS call the customer service.Called XXXX XXXX XXXX XXXX- Florida same information that i received day before researching. XXXX XXXX Account alert bank balance {$40.00} more than I had of {$6.00}. Went to login account but was locked to call bank. Called XXXX XXXX said bank decided to close account only saw 2- XXXX XXXX  ( {$40.00} ) that i tried to Deposit on XXXX. Told her its on recorded phone call i Deposit XXXX + XXXX where did XXXX come from? She couldn't answer. Transferred me XXXX Tennessee said by law bank made a decision to close account. I stated so they stole my {$700.00} to close my account. Someone is doing fraud. Its wrong. I need that money. You notice I only had {$6.00} in my account because of missing the {$700.00}. NO ONE CARED. XXXX went to the same branch to collect my few dollars left to be told I had to wait for the money to be mailed. So again you holding my money. Was told to call XXXX to be told same thing closed account no reason. XXXX missed a call from XXXX XXXX claims to be Executive Escalated Dept please call XXXX. Called waited for more than 15minutes only to get transferred from XXXX Florida to XXXX with no information who claim to Transfer me to Escalated dept to get message " OFFICE IS NOW CLOSED PLEASE CALL DURING BUSINESS HOURS. Why close an account 4 days later and keep {$700.00} that dont belong to you. NOT SURE WHAT HAPPENED TO 45 DAY RESEARCH ... Account was not in overdraft status at that time. Good customer. Who made the decision to close the account in such a short notice of researching. What was the real reason the account was closed. Just seem XXXX. I am not the only complaint on this subject ... not sure what action others have taken but I am only wanting my {$700.00}. This has caused me to go into debt all bills delinquent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off on my account XXXX since XX/XX/XXXX. Despite your designation of this account as a charge-off, you have failed to issue a corresponding IRS Form 1099-C for cancellation of debt as required by federal law. This oversight suggests either an inaccurate or incomplete reporting of this account. 

Legal Grounds for Dispute : Failure to Comply with IRS Regulations : Under IRS guidelines, creditors are required to issue a Form 1099-C for cancellation of debt exceeding {$600.00} ( 26 U.S.C. 6050P ). Failure to issue this form raises questions about the legitimacy of the charge-off and suggests that the debt may not have been legally forgiven or canceled.

Uniform Commercial Code ( UCC ) Considerations : Per UCC 3-603 ( b ), once a debt has been discharged or forgiven, the obligation ceases to exist. Reporting a charge-off while failing to acknowledge the cancellation of the debt is inconsistent with UCC principles and may constitute a misrepresentation of the account status. 

Case Law Support : In XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the duty of furnishers of information to ensure accurate reporting. Misrepresenting the status of an account through continued reporting without issuing the required 1099-C form undermines the accuracy required by the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).
Product: Credit card or prepaid card

On XX/XX/2020 I called JP Morgan Chase to request a credit limit increase for my Chase Freedom Credit card. The representative entered my request ; informed that credit analyst will review within 10 business days. 

On XX/XX/2020 XXXX Application for credit limit increase was reviewed within a short amount of time ; however, I received a denial letter providing inaccurate/problematic reasons. My XXXXdit score is superb, yet denial letter listed the following reasons below : -Length of time since oldest credit card was opened is too short -Total available credit on credit cards is too low -Number of recent inquiries on credit bureau report -One or more Chase cards has low available credit *Notice that the date calculated shown on denial letter is XX/XX/2020 rather than XX/XX/2020. Another flaw to consider. 

XXXX I contacted Chase reconsideration line to review. The representative then put in an application. After 30 minutes of speaking with the representative ( with her filling out the application ), the call disconnected and I received no callback. I called the line again at XXXX and new representative informed that the application was entered, despite me not knowing it was confirmed. After expressing my frustration the representative informed me the application for reconsideration was denied again this time with only one reason, which was completely different from what was listed in the denial letter for credit limit increase. The representative stated : We show your application was denied due to having multiple credit accounts open. 

This very well is a lack of incompetency in both customer service, financial integrity, and fair credit reporting.
Product: Debt collection

OnXX/XX/2024, I received an alert that a collections balanced increased from {$310.00} to {>= $1,000,000}! 
This account was reported as fraudulent with police reports and an FBI report. They decided to do more damage to my credit report than actually removing the fraudulent account. 
If this is not removed within 7-10 business days, I am going to file a lawsuit for defamation of character for damages and I have already consulted an attorney.
Product: Debt collection

All because Affirm ( XXXX ) credit card machine is not working. They have been threatening me by sending me threatening emails and text messages saying they are going to report negative remarks on my credit. 

When I first signed up with Affirm XX/XX/2023 I was told to place two credit cards on file. I put my XXXXXXXX XXXX  card and my Bank card. I was told I can pay with either card. I made my initial payment with my XXXX XXXX  card XX/XX/2023. I made my next payments with my Bank card. XX/XX/2023 I needed to make a payment with my XXXX XXXX  card. I went online I made my payment. 

A month later I get call from Affirm saying that I was late. I called AffirmXXXX back I spoke with XXXX on XX/XX/2023 who told me their Credit card system was not working. Case # XXXX. I explained to him this is not my fault. I need to make a payment with my XXXX XXXX  card that is on file. He got upset. 

After I spoke with XXXX I started getting all these threatening emails. Affirm continues to harass me about late payments. I am really stressed feel like they are blaming me for their Credit card machine not working. 

Affirm tried several times to debit my bank account without my permission and/or authorization. That is against the law. That is fraud. I have sent them several emails explaining to them this is not my fault. I have to pay with my Credit card that was on file. I asked them to please stop sending me all those threatening emails and text messages. I also told them do not debit my Bank account without my permission and/or authorization. I made my payments with my Credit card that is on file. Again this is not my fault. 

I have tried to cooperate with them. I told them right now I have to pay with my Credit card. I can not pay with my Bank card at this time. I have never tried to get out of paying. I have paid on time and never been late. I just need to pay with my Credit card that is on file. I told them once your Credit machine is back working please let me know. 

Affirm continues to bully me, harassed me, and threatening me. I am exhausted. I am completely stressed out.
Product: Payday loan, title loan, personal loan, or advance loan

I dont want them to call me at work many times a day.
Product: Checking or savings account

I am a victim of fraud. On XX/XX/XXXX I made a deposit on my checking account with a Cashier 's  Check provided me by a supposed employer, to perform an assignment, in the amount of {$2800.00}. I withdrew {$2400.00} from the account on XXXX when the funds became available. 

On the XXXX when I checked my account on-line to see if I had received my unemployment deposit, I discovered my account was overdrawn a little over {$1800.00}. I ran to the branch to find out why. I was informed the check deposited was fraudulent. 

The bank should not have made the funds available knowing I never had funds in my account since XX/XX/2017 to cover those funds. The cashier was not savvy to realize when cashier check was given was fraudulent. 

I spoke to a customer service rep in the bank and said they could not help me. They did not report my complaint to the fraud department. I proceeded to call the police and make a report. 

On a later date I went to another TD bank branch and the customer service rep was very helpful. He reported the incident to the fraud department and sent them documentation showing clearly I was a victim of fraud. 

The customer service rep. proceeded in assisting me with closing a savings account I had and open a new account so I can do my bank transactions since the other checking account was under investigation. 

I am claiming the previous balance estimated around {$200.00} and my unemployment check which were taken from me and overdraft fees due to this incident. 

Please see documentation attached.\ I re-deposited the sum of {$1700.00} cash into another checking account as per the instructions given me by the employer to the same branch on the XXXX. The account was then restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TransUnion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please Block the items listed below that are unknown to me : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX XXXXXXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXXXXXX Balance {$5800.00} XXXX XXXX XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$310.00} XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XXXX Balance {$130.00} XXXX BANK XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Product: Checking or savings account

I discovered a whole bunch of charges to some company I've never heard of before. 

I disputed these charges with sofi using there online dispute option, and followed up by phone call the next morning ( since they're call center was closed when I initially discovered the charges ) and also because their dispute system only allowed for 3-4 disputes and there was many many more charges than their max. 

When I called, I was told not to worry, they would send me a new card, and investigate the charges, and that I'd be fully credited for the fraudulent charges Then just a few days later, we'll before I received the replacement card in the mail, Somehow my card began receiving charges once again! I hadn't even received or activated the replacement card, yet somehow my account was experiencing large and numerous charges to this same XXXX XXXX 

The dispute I filed from the first card came back, and I was shocked to see that all of the transactions were " determined to be authorized ''. 

All the transactions except for 1, which was approved, and credited back to my card. 

So why would you credit me for the 1 transaction, but deny the rest, all from the same merchant??? 

I DID NOT MAKE THESE CHARGES, NOR DO I HAVE ANY KNOWLEDGE OF THESE CHARGES THESE CHARGES ARE TOTALLY FRAUDULENT AND I DONT UNDERSTAND HOW THEY AQUIRED THE NEW CARD NUMBER AND MORE THAN YOU DO. 

WHAT I DO KNOW IS THAT I HAD NO INVOLVMENT WITH THE CHARGES, YOU CREDITED ME FOR ONE BUT DENIED THE REST! 

WHY??? 

PLEASE HELP ME TO GET ME MONEY BACK, WHAT DO I HAVE TO DO?
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments Below. I intend to dispute the following. Account : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX {$4900.00} / XX/XX/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 XXXXXXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX/ {$400.00} / XX/XX/XXXX XXXX Dept Of Education XXXX XXXX XXXX XXXX XX/XX/XXXX, Dept Of Education XXXX XXXX XXXX  XXXX XX/XX/XXXX, Dept Of Education / XXXX  {$2000.00} / XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX Inquiry : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to delete a bankruptcy off of my credit which isnt mine!! This bankruptcy isnt on my XXXX or Transunion report! I have sent multiple documents in the mail proving this isnt mine. I have asked multiple times for Transunion to send me documentation on how they say theyre verifying this bogus account that is holding me back in life. I have sent my police report to Transunion as they advised me to do and still nothing! I have followed every instruction that they have gave me to resolve this issue at this point I will be contacting a lawyer if this bogus bankruptcy isnt removed from this credit report immediately. Bankruptcy {$0.00} dated XX/XX/2015!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXXXXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX I never worked there XXXX