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

I filed for credit with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. when they attempt to check my credit, it is blocked by the credit bureau. it is not a lock, block, or freeze that I put on. In other words, the three ( 3 ) credit bureaus Experian XXXX and XXXX have my credit blocked from creditors to obtain a credit pull. They won't allow them to see it, they won't allow them to get it. So, no creditor can get my score for a loan, or whatever. It is not blocked for me, I can log in with a username and password, and I can view my credit report online. However, creditors can not access the report. In Addition, all three credit bureaus have mailed me a copy of my credit report. I contacted all three credit bureaus, and I was told that I needed to send a back and front copy of my driver 's license and social security card for them to know who I was. This did not start until sometime between sometime on XX/XX/XXXX through XX/XX/XXXX of XXXX when I paid off a car loan to XXXX XXXX XXXX XXXX XX/XX/year>. Before, paid off my car, no creditors had any issues accessing my credit file with the three credit bureaus. there was no lock on it from the three credit bureaus. This complaint is one for Experian one for XXXX and one for XXXX. All three are the same thing. In Addition. They are asking me to send a copy of my driver 's license and social card back and front. my identity was stolen years ago, and they took me through pure hell, and it took years to get it corrected. My information is correct, I don't understand if you don't know who I am why would you mail me a copy of my report. This is a scam the three credit bureaus are doing to me Because I have paid off my credit and my score went up high. My score last time I checked was XXXX when my score should be higher. I know it is the credit bureaus to keep my information safe, but not at my expense. I do not have a home. I need creditors to be able to access my file. I'm not sure who they think they are. whoever monitors them needs to do their job. I will never send a copy of my identity documents, again my identity has been stolen and they took me through XXXX. I want CFPB to contact all the credit bureaus and tell them to undo whatever they did. ASAP. The lady at the bank sent me an email saying, " Here 's the message on XXXX and Experian. " Information from your inquiry has been identified as potentially fraudulent or misused, therefore, the credit report is not available for delivery>>> with information from additional data sources returned ( XXXX  ). '' From XXXX, " Requested information can not be scored or returned because data is suppressed or can not be evaluated. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax by computer and found that my identity information had probably been compromised. This was confirmed by my XXXX having several eroneous charges. I canceled my XXXX and froze the credit report sights. When I tried to contact Equifax for documentation of my Identity being compromised they directed me to a sight that was for enrollment. They would not even give me the phone number to contact equifax customer relations. This happened on XXXX XXXX,2017
Product: Credit reporting or other personal consumer reports

I found out after the fact that my ex GF opened up some loans and cars and even an apartment in my name. I want just to have this stuff taken off my credit since its not mine.
Product: Debt collection

This company is continuing to send me collection letters when I paid the debt off already on XX/XX/2020. There is no longer any debt owed.
Product: Debt collection

I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.
Product: Mortgage

I fell behind in my mortgage due to deaths in my family, a job loss, and a life-threatening health crisis. Deaths were in XXXX ( mother, grandmother ) and XXXX ( father ). My health crisis began in XXXX, got progressively worse, and was nearly fatal in XXXX. 

My house is up for auction very soon. 

I have had a change in circumstances. I have a job, and can afford a mortgage payment. 

The lender, SLS, is refusing to entertain a refinance or Covid/CARES forebearance offer. 

They are going to sell my home and steal my equity in a matter of days.
Product: Credit reporting or other personal consumer reports

XXXX as now entered the stage as cohorts with XXXX and XXXX, in the form of restricting my access to creating new disputes. WHICH IS NOT ONLY UNETHICAL BUT GOES AGAINST THE FCRA. As well as theyve been neglecting to clean up my report from the fraudulent errors theyve allowed to be on my report and have now been removed ; except for the highly fraudulent WORLD ACCEPTANCE/ WORLD FINANCE who has beeen infringing on my rights under the FCRA for the lender WORLD FINANCE and under the FDCPA for the parent company WORLD ACCEPTANCE, who lodge a fraudulent deferment code XXXX on alleged closed charge off XXXX account to over inflate the debt starting charge off at XXXX with a max cap of XXXX to be at a present balance of XXXX over XXXX months this has been allowed..
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE THIS FRAUDULENT INQUIRIES TO MY CREDIT REPORT IMMEDIATELY.
Product: Checking or savings account

First off I have 2 other complaints pending as of XXXX XXXX this is my third after trying to speak with someone all last week about this issue none has called me back and now not only have they taken the overdraft balance {$370.00} they took {$400.00} that is $ XXXXover So this is my third complaint about the same issue thank you
Product: Debt collection

I am disputing this unknown collection account as it does not belong to me. The account for XXXX, the account number is unknown and the account is fraudulent and not my responsibility. I have never purchased this vehicle, never applied for financing for this vehicle, and have no connection to this debt. I request a full investigation and complete removal of this account from my credit report. Ive asked XXXX, XXXX and XXXX multiple times And attempted to delete this information. Please investigate and remove this fraudulent account from my credit report immediately Thank you for your assistance.
Product: Credit card or prepaid card

On XX/XX/2019 I contacted Bank of Americas Government Prepaid Debt Card Division for NJ to replace a card which they stated they would send out Express for a fee of XXXX but I have received the card. I called today XX/XX/2019 and it was confirmed it was shipped standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining my credit report I notice a derogatory collection account listed without my knowledge or permission to do so, which is an Impermissible Purpose to access my personal information without my consent. I've never contracted with this Alliance Collection Agency and do not wish to do any business with them. After gathering all of their information from my credit report I drafted a validation letter to get a certified copy of the original contract that was signed by me to agree to do any commerce with Alliance Collection Agency. To date NO valid contract or proof of obligation was sent to my address.
Product: Credit card or prepaid card

Received a non solicited credit card issued by Capitol One Bank XXXX. via us mail. Card issued with complete account number, expiration date, Sec Code, RFID Chip, copy of my credit report, security agreement and other terms and conditions. Documents state that use of the card constitutes acceptance of security agreement and all terms and conditions. 

I did not solicit this bank for a credit card at any time. The card issuance practice placed me and my family at great risk of identity theft and credit fraud where in any person that obtained possession of the item in the mail could have activated this high limit ( {$10000.00} ) credit card.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and there are unauthorized hard inquiries. 
The following inquiries are unauthorized and should be DELETED IMMEDIATELY. 
XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Report Act 15 USC 15 1681 The banking system is dependent upon fair and accurate credit reporting.

According to 15 USC 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NO GIVEN WRITTEN CONSENT FOR THESE INQUIRIES ON MY CONSUMER REPORT see attached police report
Product: Credit card or prepaid card

XXXX XXXX XXXX Chase Bank has closed my credit card account ( s ) without warning or any notification. I have been making my payments on time. I am overseas and asked a friend to make my payments. I would send him the money and he would make the payments. Last payment made XXXX XXXX XXXX. 
I have ( had ) two credit cards with Chase. 
XXXX XXXX and XXXX XXXX. One had a ( XXXX ) balance the other approximately {$650.00} balance. Both accounts were closed. 
PLEASE HELP. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we submitted a form to surrender our XXXX XXXX. 

On XX/XX/XXXX the vehicle was picked up. 

On XX/XX/XXXX the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}. 

On XX/XX/XXXX we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further. 

We made {$400.00} in payments XXXX & XXXX we are currently set for 3 more months of {$200.00} payments. Towards the balance. 

Today Chase marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT. 

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX 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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I went  to   XXXX   XXXX   aka   XXXX   i n   XXXX   XXXX   XXXX    . I had a  XXXX . He recommended   XXXX     XXXX   XXXX   XXXX  . I then agreed to take sedation. While under sedation he and his assistant had me sign paperwork. I awoke to   XXXX   XXXX   XXXX   aka  XXXX , that were beautiful and I had paid over   XXXX   for less than  XXXX  yrs ago GONE!!! In their place was some form of plastic tooth covering I was told was to be temporary crowns until he made new crowns???? I had a toothache. I did not need new crowns. I rushed out of dentist crying. Came home and immediately called  Syncrony Bank aka Care Cr edit whom   XXXX   XXXX   assistance, if not  the   XXXX    himself  said I signed my name to a form AND had me sign my current domestic partners name for almost   XXXX   XXXX   dollars. My partners company stood behind him. The   XXXX   XXXX  . And  Syncrony tol d me they would stand behind me immediately and NOT disburse any monies  to    XXXX   XXXX  .   I found out very quickly that this was NOT the case! They not only did n't stand behind me, they took the word of the   XXXX   assistant whom was not even in the room with me, that I am aware of. As I had never seen her prior to my concerns about getting reimbursed. I have both before and after pictures. I had to go to another   XXXX   and pay another  XXXX  JUST to get some of it straightened. It has now been a year. I am at yet ANOTHER  XXXX  whom was aghast as he had done the original work. I am now being asked to pay  XXXX  JUST for the   XXXX   XXXX   had RUINED ... that is not to include the additional  XXXX  for the gums that he devasted when he  XXXX  over  XXXX  of my   XXXX   XXXX   for the sole   XXXX   XXXX   I originally went to him for. I was in extreme pain and he was a walk away is the only reason I went there originally. I have ALL the paper work AND pictures. Care Credit has RUINED my  credit score. I W AS  XXXX  ... I am currently  XXXX , and declining ... ALL over ONLY this care credit . Syncrony o wns SEVERAL other CC that I hold and have NEVER paid late, but they have diminished my credit limit on the other cards also for NO reason. As my other CC have ALL increased due to my payment history. They along with  the   XXXX   have mad e my life miserable. So miserable I have contemplated bankruptcy ... .or??? I have a PERFECT payment history with MANY accounts currently open. I am UNABLE to get further funding to FIX my mouth  that    XXXX   XXXX   demolished. IF you look @  XXXX , you will SEE I am not alone. I want to file a law suit and am going to contact the other ( what appears to be ALL women ) he has done this to. He would not allow my partner in the room with me whom is a man. There is just so much shady and I am aghast that MY CC company would not stand behind me. I have NEVER been through such an ordeal I need someone to please pay attention to this tragedy and assist me to assist myself, as well as perhaps a few other woman who have been harmed by this " so-called ''  XXXX  XXXX . I appreciate in advance any attention and time given to this matter. Thank you   XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

My ex sent me XXXX through XXXX XXXX sent it to an account that I don't use through discover I didn't make that account XXXX won't do nothing XXXX  won't do nothing and discover checking said they have up to 90 days to release that money I'm on a fixed income and now I have disconnect notice on my bills I just want my alimony money that is sitting in a closed account I talk to XXXX from the executive office of discover he was supposed to make a decision this week and I haven't heard back from him this happened on the XXXX of XXXX
Product: Mortgage

XXXX XXXX - XXXX to cancel was received and signed for. 

XXXX XXXX - I got called by Wells Fargo about making payments, I told them about the XXXX XXXX interaction. 

XXXX XXXX - I got confirmation again that it was received and the loan was to be cancelled. 

XXXX XXXX - There was no movement, I contacted their call center which claimed they 'd get back to be me on Friday by end of business. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - They did not get back to me. Called again, said someone would call me Monday. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - No one called. Called back, told to call on Tuesday. I told them I 'd need to file a complaint if it was n't resolved on Tuesday since they were insisting I send them payments and it was ~40 days now. The Right to Cancel is 20. 

XXXX XXXX - Called back, told to call back the following Tuesday. I told them I 'd need to file a complaint if it was n't resolved today since they were insisting I send them payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/year> XXXX XXXX COMMUNITY CREDIT XX/XX/year> EXP 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Hello, I went into XXXX XXXX XXXX to pen an account, and I was caught off guard when the banker asked me if I was in the military.I responded no, because I have never been in the military nor do I ever plan to be. Two days later I went to XXXX Bank and attempted to open an account and I was advised that there is a theft alert on my social security number.I immediately went into to panic mode as I am moving out of the state XXXX in five months and do not need this stress. I immediately thought my identity had been stolen, I then went home and called XXXX. XXXX stated that they have no report of identity theft. I then called XXXX who explained that there if an XXXX XXXX freez on my social security number.The representative then apologized because clearly I am not on XXXX XXXX and the addresses did not match up with whomever actually needs the freeze, and gave me a resolution to solve this issue with experian only. XXXX XXXX XXXX stated this XXXX XXXX report came from CHEX SYSTEMS. I am requesting this be removed as I am and have never been in the military. I think this is huge mistake for the person who needs there info protected because that means his info is not frozen as he requested and its a huge inconvenience towards myself.If necessary I can provide verification of that. Chex systems also has a prior address incorrect, it has been documented as XXXX XXXX XXXX XXXX, XXXX Nj XXXX when the correct address is XXXX XXXX XXXX XXXX XXXX, XXXX Nj XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX Bank XXXX XXXX Late Payment from Bank XXXX XXXX, XX/XX/2020 Late Payments from XXXXl XXXX, XXXX to XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently live at the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I no longer live at the address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX. Please remove from my credit report.
Product: Payday loan, title loan, or personal loan

I need assistance removing account from this scam company collected my information and co tinues sending emails. In XXXX received email about how XXXX users no longer supported or given services. I received an email of this company 1 yr  after reported this company to police for obtaining social security and ID and personal information. They refused to delete my data and account even if they fraudently obtained my social security and information over phone. I currently not seeking loan this company as fell for scam.for this company kept asking me for my banking credentials and other private do which reason called XXXX XXXX XXXX in XXXX over what happened.I would like this company delete data and take down my I do as they refused and only fraudulently obtained my. formation over phone and email under XXXX would like this company to remove me.from their site and data as they refused even don't honor services for XXXX residents received bad service from company email and over phone. Is reason seek XXXX  help for them to close account they created fraudently