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

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.
Product: Credit reporting or other personal consumer reports

This is my latest complaint regarding of being a victim of identity theft and I submit today to dispute specific items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are REMOVED from other bureaus and I have doubts in their accuracy and the reported payment history on these items are a mystery to me. Here is the list of items that I specified for REMOVAL : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax multiple times to let them that they have the wrong name on record. They have XXXX XXXX XXXX XXXX I sent the documents multiple times to remove XXXX as it is not considered a legal name. The record was corrected 7 years ago and then they added XXXX back the record.Also they sent me a credit report shows that removed the 8 credit inquires from XXXX but you go online they still reflect. I dont feel comfortable dealing with people in XXXX XXXX my personal information this is the reason we had issues with data breaches and it violates the United States security for fellow Americans.Everytime I call Equifax I ask to speak to a Supervisor or transfer to a United States customer service they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit reports, I noticed a fraudulent account on all my credit reports. I contacted XXXX, Equifax and XXXX. I was informed that they needed an FTC report and verifying documents to remove this fraudulent account. I sent an FTC report to XXXX, Equifax and XXXX along with the verifying documents requested. XXXX has taken action, however Equifax and XXXX continue to report false information and damaging my personal credit. I resubmitted and FTC report for the second time to both Equifax and XXXX along with the verifying documents. Equifax and XXXX continue to report false information. They are stating that the information is verified. 

If someone has my name, social security number and any other identifying items then it will always come back verified. I have done my part and have made it very clear to both Equifax and XXXX that this a fraudulent account and have sent the correct documents to them twice. XXXX more time than I should have to. Equifax and XXXX need to remove this fraudulent account as they have the documentation requested from me to remove this account from my Equifax and XXXX credit Reports. I and it very unsatisfactory that these agencies are allowed to continue to report false information even with the documents provided that both agencies requested to have this account removed, The account is an auto loan from XXXX XXXX.
Product: Debt collection

Santander has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC {$2300.00} XX/XX/year> WITH THE HIGHEST BALANCE BEING {$2500.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX XXXX XXXX Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : XXXX law , this item must be deleted, or we will pursue civil action.
Product: Debt collection

XXXX, I found a XXXX XXXX account in collection on my credit reports. This is not my account. It was opened at an address that I have never resided, or know anyone who ever resided there. I contacted the Convergent which is the collection agency XXXX XXXX used to advise them of fraud and next steps. 
I contacted XXXX, XXXX  and XXXX  to dispute the collection amount and the account. 
XX/XX/2019 I filed an identity theft report with FTC. 
Convergent agent told me I would receive a statement in the mail of the charges and I could use said statement to file a police report of identity theft. 
XX/XX/XXXX, I filed an Identity theft claim on FTC Website. 
On XX/XX/2019, I received a statement from Convergent statement that XXXX did not accept my dispute and fraud claim. 
XX/XX/XXXX, I sent a letter to XXXX to advising them of the fraud.
Product: Mortgage

On XXXX XXXX, we initiated a mortgage refinance with US Bank in XXXX, CA. We completed the application, provided all information and got our rate lock and paid money for our appraisal. We emphasized that our HELOC was maturing and we needed to get this completed. They quoted 6-8 weeks. The appraisal came in higher than expected and the loan was sent to underwriting. Then everything fell apart. They delayed our loan for weeks. Then they sent a request for our accountant to give a forward-looking statement that our business would remain solvent for the foreseeable future. Our accountant stated in writing that it was against XXXX for him to provide that and provide the routine letter about our health. We provided tax returns and P & Ls. Finally after complaining that we felt we were being treated unfairly, they agreed to accept a letter from our CFO, and they drafted the letter. We complied and delivered the sign letter. They went silent for two weeks and all of inquiries were met with " we 're working on it ''. Three weeks later, they responded that they would not accept the letter and instead wanted a cash-flow analysis from our accountant stating again that the business would remain solvent into the future. They also mentioned our bank could provide that information. We took this to our business bank, XXXX XXXX, and their legal department said they had never heard of a bank making this request and that no bank or accountant could make that claim about future results. With nowhere to go, we had to cancel the loan after 10 weeks. We are now dealing with a second that has matured because of the delays and faced with starting the process again. We do not feel that we were dealt with fairly, and perhaps even in a discriminatory manner. We do not believe they treat others with our similar credit history and income level this way. It may also be that they quoted too low an interest rate ( we have been told that by XXXX mortgage brokers ) and simply wished to get out of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

I paid for a compressor replacement at XXXX XXXX ( XXXX XXXX ) for my XXXX. Upon receipt of the vehicle, after calling numerous times for updates on my vehicle, I was able to pick it up. I was told compressor replacement was completed correctly, I was directed to pick up my vehicle as the service department was closing and my service advisor was not available so I was left to pay for my services and leave. Upon turning on the A/C I noticed the A/C was not blowing cold, after paying {$2100.00} to get this issue fixed. I made numerous attempts to call and contact the service department, however they did not answer the phone as before when they had my vehicle and I had to call every 5 minutes to get my message to my supervisor, as they only use a phone system. where as the XXXX XXXX uses text and phone systems to keep you informed as well as a tracking system that updates you on the progress of the vehicle. I was finally able to get a hold of the receptionist and she said she would leave a message for my supervisor and the manager of the service department, but that was never done and after more calls no one still returned my call about my compressor not working. 

I went to an outside service department to get an inspection and 2nd opinion on this issue and they told me the compressor replacement was not performed correctly, and i would have to come out of pocket for another compressor. Furthermore, I was left to dispute the charge on my card for reason of : SERVICES RENDERED AND PART PAID FOR NOT AS DESCRIBED ( MEANING IT WAS NOT FUNCTIONAL AND SERVICE PAID FOR WAS NOT PERFORMED CORRECTLY ). The minute I was able to get into the shop, have the inspection and repair done. The service provider provided detailed notes on the invoice of what occurred with the compressor as well as a letter detailing the issues with the compressor XXXX XXXX placed in the vehicle. I initiated a dispute and provided all documentation that Apple Card Support investigators requested in relation to this issue, and they have taken months to " investigate '' and ignore the evidence given. 

I have had to re-initiate this dispute as well as raise a XXXX complaint against the car service company to get anywhere
Product: Payday loan, title loan, or personal loan

On Thursday, XX/XX/XXXX of XXXX, I saw my XXXX XXXX XXXX XXXX missing from my driveway. I contacted XXXX and the dispatcher notified me it was listed as being repossessed. Dispatcher instructed me to call XXXX XXXX XXXX XXXX, at XXXX. I explained I own vehicle outright, never had a loan on it so it isn't possible it was repossessed. I called number given, it was disconnected. Called back XXXX and they put in for XXXX XXXX Police to call me. Officer XXXX contacted me about an hour later. Provided him the information. He called me back 15 minutes later with correct number to XXXX who confirmed having my XXXX I called XXXX immediately after at XXXX. Had to select 2 to speak to operator. She confirmed they have my XXXX, that I needed to call XXXX XXXX XXXX since they ordered repossession. I called XXXX at XXXX and spoke to XXXX. I explained I owned the XXXX, never a loan on it. Plus I advised her I filed Bankruptcy XXXXXX/XX/XXXX of XXXX as advised by my attorney at XXXX XXXX XXXX. After 15 minutes on hold, XXXX stated they were looking into this " mistake '' and she will call me back. XXXX called me 40 minutes later at stated they contacted XXXX  and completed the paperwork to have my " unit '' returned to me. I contacted XXXX  and they confirmed they would return my XXXX back in a few hours. I contacted XXXX as advised by my attorney to see what reason was for taking my vehicle since there is nothing listed on my credit report regarding this. XXXX from XXXX referred me to their client, Select Management Resources Bank. I called Select at XXXX. Select referred me to their client, Northeastern Title Loans at XXXX. I spoke to XXXX at Northeastern. XXXX searched the account information by me XXXX Vin number ( which was same way other creditors above had to search it by since not under my name ). The Vin number is attached to account number XXXX in the amount of {$8800.00} for a loan opened in XXXX. I bought my XXXX  outright from a local dealership in XXXX by cashier check from bank. I have Title and proof of purchase with pink slip. No notices or any attempts to collect a debt regarding this vehicle were ever sent to me or reported to me and first brought to my attention after many phone calls to find my XXXX XXXX XXXX when it went missing on XX/XX/XXXX of XXXX. I fear this loan is going to be attempted to be put on me for owning it even though I never had a loan for it. I was a victim of identity theft which I reported to the FTC earlier this month in XXXX of XXXX since someone tried to open bank accounts under my previous married last name which I had changed since XXXX. Not sure if because my Bankruptcy is publicly filed or if scam to collect under my bankruptcy. My vehicle was returned by XXXX on XX/XX/XXXX but there is damage on front from being pulled from my driveway without the keys. XXXX  was nice but they falsely reported damages being listed on all sides of my vehicle when there is not ( as you can see in photo ). This loan is false and needs to be removed from my vehicle and myself since I never had one or received any notices of one prior to my vehiclebeing illegally repossessed.
Product: Payday loan, title loan, or personal loan

THIS IS ABOUT CANCELLATION OF A LOAN WITHIN THE STATED DEADLINE : I was approved for a loan of {$43000.00}, from Solar Mosaic LLC, License XXXX, to finance solar installation. The solar company representative said he was with XXXX XXXX, who had good reviews. Later I discovered XXXX XXXX was owned by XXXX XXXX, who as terrible reviews, from solar panels not working to electric bills being twice as high after solar installation, as well as bad customer service. I submitted the cancellation to Solar Mosaic LLC within the deadline of XX/XX/XXXX but I am having difficulty getting Solar Mosaic LLC and XXXX XXXX to cancel my installation and loan agreement. Though Solar Mosaic LLC received my cancellation request on XX/XX/XXXX, they said on XXXX that they had already funded the money to XXXX XXXX  XXXX XXXX said the completed a cancellation request and gave me a ticket number but refused to give me a copy of the cancellation. 

XXXX XXXX advertises that there is a state incentive for zero down, but this is not true. They assist in getting a loan if you have good credit. There XXXX ad even has Texas XXXX XXXX 's picture on their ad. 

XXXX XXXX operate using various names to avoid customers realizing that their products do not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY MOVED TO XXXX TEXAS IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN CALIFORNIA AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Supervisor XXXX from XXXX XXXX contacted me after I requested a Sup. To call me.She informed me that a split credit profile was created in my name and for me to send supporting documents verifying who I am.Because of what Midland Credit Management Inc. had did entering the wrong social security number and creating split credit files.Also impacting my credit score severely. I emailed the documents to XXXX XXXX to the email she gave me but after months have gone by I called again and spoke to Supervisor XXXX in the online access department and she informed me the split profiles were still there.File # XXXXThis has been going on to long without me even knowing this.I want Midland Credit Management Inc to be deleted from all three major credit bureaus on my Credit Profile and to pay for damages that cause harm in different areas in my life affecting and causing emotional distress and suffering with a bad credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with Equifax. 

Today I received another one that gave me a credit score of XXXX with XXXX. 
This is impossible and shocking. 

I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have it. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Equifax via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Equifax in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Equifax, along with proof of delivery, to support my claim. I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

31 USC 5118 : ( a ) United States coins and currency, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banks, are legal tender for all debts, public charges, taxes, and dues. 

( b ) This subsection does not affect the XXXX of the XXXX XXXX under Section 5114 ( b ) of this title to regulate the amounts of United States coins. 

Practical Implications : Legal Tender Status : United States coins and currency, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banks, are recognized as legal tender. 

Acceptance for Debts and Obligations : XXXX coins and currency are acceptable forms of payment for all debts, public charges, taxes, and dues. 

Regulation of XXXX Amounts : While coins and currency are legal tender, the Secretary of the Treasury has the authority to regulate the amounts of XXXX coins. This authority allows for the regulation of coinage denominations and specifications. 

Recognition in Transactions : Merchants, businesses, and individuals are generally obligated to accept XXXX coins and currency as payment for goods, services, and obligations, with certain exceptions. 

It's important to note that the legal tender status of XXXX currency means that creditors are generally required to accept it for the payment of debts, and individuals are typically obligated to accept it in transactions. However, there are practical considerations, and businesses may establish their policies regarding forms of payment, including whether they accept cash, checks, or electronic payments. 

Additionally, the Secretary of the Treasury 's authority to regulate the amounts of XXXX coins allows for the management of coinage to meet the needs of commerce and transactions.
Product: Checking or savings account

On XX/XX/2022, I received a email and letter in the mail from Bank of America stating that the account that was opened in my name was fraudulent and I do not owe or have any responsibilities for this account and debt, and that it would be removed from XXXX immediately, I tried contacting early warning check company which is a bank consumer reporting company, and they stated that this account is still showing up on my report after I was told from Bank of America in the letter that it will be removed in 15 days, it has been almost 2 months and its still reporting and Im being violated and lied to about my rights.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require the elimination of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies concerning reporting, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I called in and spoke with a rep in XX/XX/2023 and advised that the inquiries that I am referencing were not mine and and needed to be removed afterwards to mail me an updated Credit report which I did not receive..