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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted.
Product: Checking or savings account

Someone has opened an account with  BBVA Comp ass bank in my name of witch i did Not authorize. i have made a police report and started credit monitoring. I do not have or ever had any account with  XXXX . i called them on   X/XX/17  and  they said they would call me back, they did not. I got on a conference call with my  XXXX   XXXX   XXXX   XXXX   XXXX  and  BBVA can celed the call, we tried calling back with no success.   There was charges applied by whoever opened this account and i have received letters, bank statements, and even a ATM  XXXX  card in the mail.   I am not responsible for these charges or this account, please help resolve this matter, Thank you,  XXXX .
Product: Checking or savings account

As indicated in previous complaint ( XXXX ). I opened a credit card with Fifth Third Bank in XX/XX/XXXX. That account has since been closed. On XX/XX/XXXX I went to the XXXX XXXX, Florida Fifth Third Bank to open a money market account and deposited {$25000.00}. After the account had been opened, almost in hindsight, the bank officer asked to review my account information. 

She asked if I was still employed with " XXXX XXXX  '' and was my telephone contact still " XXXX ''. I told her that neither of these bits were ( or had ever been ) correct. I asked how someone else 's information could be in an account linked to my social security number. With so much fraud and identity theft happening ; I wanted to make sure my account was secure from authorized persons. She could not tell me what happened. 

On XX/XX/XXXX I attempted to contact the Fifth Third Bank Fraud Department ( XXXX ). I spoke to 7 different people without resolution. To make matters more interesting ; on XX/XX/XXXX I received a notice from Fifth Third Bank ( Verifcation of Contact Information Change ) indicating that the telephone number ( XXXX ) was the new " updated '' number for my account as of XX/XX/XXXX. 

As indicated above ; the employer name and telephone number they had in my account was incorrect. 

On XX/XX/XXXX I received a letter from " XXXX XXXX - Office of the President ''. The letter states, in part, " It was found that the information we had on file, that your Personal Banker reviewed with you, is WHAT WAS PROVIDED WHEN YOU OPENED THE TRIO CREDIT CARD ON XX/XX/XXXX ''. 

I called on XX/XX/XXXX to speak with " XXXX XXXX '' but had to leave a message instead. Today I called again, and spoke with XXXX. I was told that my efforts were " A WASTE OF TIME ''!! 

All I asked for with the first complaint and I repeat with the second complaint is as follows : - How did someone else 's information become associated with my social security number. 
- Could they please provide a written letter affirming the security of my newly opened account. 

Thanks.
Product: Debt collection

I settled the debt XX/XX/2024 and the debt is to be deleted but still shows in collection on all credit bureaus! Only removed from one area on one bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with XXXX XXXX formally known XXXX XXXX I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following items do not belong to me and are the result of identity theft and fraud that I did not authorize : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that these fraudulent accounts, collections, and hard inquiries be blocked and removed from my credit report.
Product: Mortgage

I have a first and a second with my home at XXXX XXXX XXXX in XXXX XXXX Co -- my first has gone from XXXX to XXXX to XXXX and now Loan Care ea company before Loan Care declaring bankruptcy and stealing the escrow in each case -- a federal just in the case of XXXX, a XXXX owned company, actually entertained a class action law suit for lender placed insurance and it cost me 6 months of extended insurance above and beoynd of about {$300.00} per month for 6 months -- the bankruptcy court ruled in the corporations favor and sent us a measely check of {$63.00} -- I did not even cash mine as did not many others and this causes the loans to be sold resold. When my insurance agent popped my insurance 61 % Loancare increased my monthly payment 71 % and sent me a new escrow statement even after I replaced the original amount that they were asking for with a new payment of {$510.00} from {$450.00} and the replacement check of {$870.00} as Loancare asked -- Original amount was {$1700.00} -- Loancare consequently never credited my original escrow account and sent me another escrow statement asking for original {$1700.00} and a house payment of {$770.00} -- these escrow accounts are only scams by loan servicing companies and they prey on older folk like myself at XXXX years old to comply. I say U.S. Govt fix this XXXX -- people are being treated very poorly and hard earned retirement savings are being stolen by major corporations. I contacted Senator XXXX office and XXXX put me in contact with you -- I have contacted XXXX XXXX and also sent them the information.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed a fraudulent account per following XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX  47 % {$470.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$470.00} XXXX Equifax XXXX XXXXXXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX 47 % {$470.00} XX/XX/XXXX {$1000.00} {$470.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning, only to be surprised by unauthorized inquiries that I don't recognize. Despite refreshing my browser in hopes it was a glitch, the unauthorized entries stayed. This is incredibly frustrating, and I am urgently requesting a detailed review of my documents so that I can move on from this concern permanently.
Product: Debt collection

I sent a written request to Portfolio Recovert on XX/XX/2018 requesting VALIDATION of a debt that is listed on my credit file. Validation was not received pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). In fact the company refused to investigate the  matter claiming that the issue was resolved. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of defamation of character.
Product: Vehicle loan or lease

IN XXXX 2017 MY AUTO LEASE PAYMENT WAS DEDUCTED FROM MY BANK ACCOUNT. IN THE NEXT MONTH 'S STATEMENT I BECAME AWARE THAT THE PAYMENT DID NOT POST TO MY LEASE. I CONTACTED MY BANK AND THEY CONFIRMED THAT THE PAYMENT WAS NOT PROPERLY CREDITED TO THE LEASE DUE TO THEIR ERROR. THE COMPANY THEY USE TO PROCESS PAYMENTS SENT A LETTER TO THE LEASE COMPANY ( ALLY FINANCIAL ) EXPLAINING THAT THE LATE PAYMENT WAS DUE TO THEIR ERROR. ALLY CHARGED ME A LATE FEE AND CONTINUES TO REPORT THE PAYMENT AS LATE WITH ALL 3 CREDIT BUREAUS. I REPORTED THIS PROBLEM TO ALLY AND ALL 3 CREDIT BUREAUS. THE CREDIT BUREAUS DID NOTHING AND ALLY DID NOT RESPOND IN ANY FASHION. WHEN I CALL ALLY THEY KEEP TELLING ME IT 'S BEING LOOKED INTO BUT THEY WILL OPEN ANOTHER INQUIRY YET NOTHING HAPPENS. IT APPEARS THAT ALLY DOES NOT HAVE USA BASED CSR SO COMMUNICATION AND UNDERSTANDING IS NEXT TO IMPOSSIBLE.
Product: Credit reporting or other personal consumer reports

Experian has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past 12 months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}
Product: Debt collection

I dispute the validity of the alleged debt. The full amount of this medical bill was paid through an employee spending account of my employer XXXX XXXX, having been sent to XXXX XXXX XXXX on XX/XX/XXXX and payment cleared on XX/XX/XXXX. This information along with documentation of claim payment XXXX claim detail # XXXX ) was furnished to XXXX XXXX XXXX on XX/XX/XXXX. Despite my previous dispute of this alleged debt and documentation provided, I continue to receive the same bill and letter dated XX/XX/XXXX from a debt collector named Resource Solutions, LLC threatening collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$0.00} Closed 5 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$0.00} {$1500.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$2100.00} Account was agreed to pay for deletion
Product: Debt collection

They contacted my Grandmother and my Mother and stated that I had a Warrant out for my arrest for a felony bounced check. They verified doing this with my Grandmother upon me calling them, the representatives identified themselves as XXXX and Investigator XXXX with the XXXX XXXX XXXX for the State of Texas. The told me that they will be contacting XXXX XXXX and my XXXX XXXX over a debt held with Check and Go somewhere around 3 years ago in 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I discovered that a charge off has been reported by Best Buy/CBNA on XXXX, indicating that the account has been closed and charged off as a loss. However, I believe that this charge off is inaccurate and in violation of consumer protection laws, specifically 15 U.S. Code 1681 ( a ) and 15 U.S. Code 1666 ( b ). 

Basis for Removal Request : Violation of 15 U.S. Code 1681 ( a ) : Under this federal law, consumer reporting agencies are required to provide fair and accurate information about individuals ' credit history. It is my understanding that the information provided to the credit reporting agencies must be factual and substantiated by appropriate documentation. I have not been provided with any evidence to justify the charge off, nor have I received any communication indicating the intention to charge off the account. 

Violation of 15 U.S. Code 1666 ( b ) : This law requires that creditors provide consumers with a written notice, clearly stating the reasons for the charge off, at least 30 days before the actual charge off occurs. I have not received any such notice, and as a result, I was not given an opportunity to address or rectify any potential issues with the account.
Product: Credit card or prepaid card

The paypal account was suspended without any information. NO FRAUDS whatsoever BUT WAS SUSPENDED INDEFINITELY! Any incoming payments was never processed. A return from ebay and the refunds was not accepted making it unable for me to get any refunds. A transaction using the debit card from paypal needs to be disputed but I am unable to do so due to the paypal 's suspension. Up to this date, I can not seem to do any transaction.
Product: Payday loan

I have received a loan for XXXX associate with red rock tribal leading for {$600.00}. I told them over the phone I agree the pay {$750.00} total with the interest included. I already pay two payment one for ( XXXX ) and other for ( XXXX ). which is a total for ( XXXX ) so far. The payment comes out of my account BI-weekly. I was misleading information fees and total repayment amounts. I found out that I have to pay 5 payment for ( XXXX ) for the interest charge on the loan before I start to pay on the principle on my loan. I would be paying XXXX total on a {$600.00} loan which I never agree to. The customer service was difficult to receive help from them. I feel like this is a SCAM and they can not answer my questions and they are very difficult to talk to over that phone. they never stating or implying that the finance fee was a one-time charge instead of an ongoing interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX OF XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Prepaid card

For over a week I have not been able to access my account with Rush Card. My direct deposit is 4 days overdue and can not reach customer service ... They do n't answer emails, private messages or anything else I have tried. There are XXXX of people affected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN UP A LOAN IN MY NAME ... PLEASE HELP ... I DONT HAVE DATES OR AMOUNT BECAUSE THEY ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

on XX/XX/20 at roughly XXXX I receiver a text from chase bank asking if I had authorized a charge for {$760.00} from XXXX. It didn't look right so I decided to XXXX the chase fraud dept number and in between the time I received the text and found their number I got a call from XXXX which is actually the chase fraud number. The man on the phone identifying himself as a fraud dept employee with chase ID number asked me if I had authorized the charge from a XXXX in GA and I said I did not. He proceeded to ask me to verify if the info he had was correct including the account number and my address/info which he already had. He said he was going to send me a pin to make sure the account was mine and to read him back the number to which I did. This was actually how he added the debit card to his XXXXXXXX XXXX XXXX but I didn't see that at first. He verified what he had and then he said to close it out the only thing he needed was the pin number used for the debit card on file so he could process the transaction and close the card down.I gave him this and he said ok in 3-5 business days a new card would arrive.I went to bed at roughly XXXX and woke up to 4 emails from chase saying I withdrew {$500.00} each transaction for a total of {$2000.00} dollars at midnight that night. There was also a charge for {$19.00} at a XXXX that evening after the withdrawls.As of right now chase has deemed the XXXX charge fraud but the atm withdrawls as approved transactions. I cant speak with anyone in the US as all calls are routed to a call center in XXXX where there is little help.As of XX/XX/20 I have submitted screenshots and call logs from my XXXX ( not XXXX as they found ) to chase along with a police report for the fraud.