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

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX- {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, 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. Any other adverse item of information other than records of convictions of crime 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 card or prepaid card

Booked an international flight using the Chase Sapphire Reserve credit card. Part of the suite of protections advertised by Chase is delayed baggage insurance, which they've outsourced to a third party insurance company. A claim was submitted on XX/XX/22 and the automated response was that I would receive a response within XXXX business days. No such response has been received. An online search of the insurance company " eclaimsline '' shows a poor track record.
Product: Debt collection

A collection appeared on my credit report on Saturday XX/XX/year>. I contacted the company Monday morning to see what they were collecting for. They stated they were collecting for Progressive auto insurance. I was confused as I currently have a progressive insurance policy so I reached out to Progressive who stated I had no outstanding balance with them. So I called the collection company back they gave me the amount and the old policy number, which was a canceled policy with Progressive that came through XXXX. It was double my current policy for the same people and cars as my current policy. When I Canceled this policy they sent me a final bill that was paid in full. So I called the collection agency provided proof and insisted they remove the collection from my credit immediately. I was told to send a dispute through their site and someone will email me within 48 hours. No response so I called back complaining and stated they were reporting incorrect information. My credit is crucial to my job and this has to be cleared ASAP
Product: Vehicle loan or lease

BM  O Harris  Bank 's auto servicing online service is designed to make payments and payment arrangements relatively difficult. If you set up an online access account, you ca n't actually make a payment through your account. The user has to go to a generic site and enter payment and account information every time. In addition, setting up an autopay arrangement is a paper intensive process that provides little feedback if the autopay is set up and when it kicks in. At the end of the day, the payment system seems to be setup so that people miss payments and become sloppy paye rs (  getting charged multiple late fees over a loans life cycle ).
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Old Address : XXXX XXXX XXXX XXXX, VA XXXX Phone Number XXXX Line of Credit Starting Numbers XXXX In XXXX of XXXX I wanted to purchase an XXXX for my family. These were hard to find during those days so I was super excited to find out XXXX had a bundle I could purchase. I had the money to purchase this item but the only way of getting the XXXX was that I needed to finance it. Even though I had the full payment it stated that the only ones available to purchase I would have to finance. Since these took months to come out and I had to be exactly on the website at the exact time I went ahead and did it. I figured once I financed it I would be then able to go through the website and just pay it off. It asked me for an initial payment that would pay so many months in advance but only gave me the option to pay up to 2 months or so. I received my XXXX and set it up for my family. I never received any bills in the mail for this and never got an email or any way of making payments. In XXXX of XXXX I had a death in the family and had to travel. In XX/XX/XXXX, I got a phone call and I was surprised to hear that a XXXX dollar payment per month was 2 months past due so I told them I would make the payment and pay it off. They wouldnt let me pay everything off. I had to pay monthly. I think this is some type of scam to not let me pay the full balance off of such a small amount!! I told the person on the phone that this better not hit my credit report and they said no worries this doesnt go on your credit. I made the payment and they gave me the website to make payments and sent another bill in the mail as I hadnt received anything. I need this removed off my credit report as soon as possible! I feel as though I was duped into financing this when I could have paid this off at any time! I havent had late payments on any bill.houses I have owned, cars I have purchased, all other credit cards that I have had for 20 years and you are going to lower my credit score for some XXXX purchase? This is unacceptable and I will be seeking a lawyer if this isnt resolved. Lastly, this had to be inserted in my credit report very recently as I have bought 2 houses and a brand new XXXX since that point in time and nobody has ever even asked me about this so you must have reinserted this into my credit without my knowledge which is illegal. This had not been reported in years. I want this removed from all 3 credit bureaus immediately. I need this removed off and a phone call of how this will be remediated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd party or a Credit Repair Agency. 

I just reviewed my credit report and there are some Hard Inquiries that I did not recognize or authorize. Please delete these Hard inquiries from my Credit Report. I have already filed an identitytheft report and attached it to this complaint. Here are the hard inquiries 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX  ( ORIGINAL CREDITOR : XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, Corelogic, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many hard inquires on my credit report that I did not authorize. They are from brokers that did not ask my permission. XXXX XXXX was my mortgage broker and I was told he would run my credit once which was fine ... ... Then I seen how many times he ran my credit without my consent he never told me and he denies it when its all on my credit report. Thank you
Product: Credit reporting or other personal consumer reports

There was no change to the XXXX report reported by Experian. They state on the report XXXX open accounts, when there are in fact XXXX revolving accounts, XXXX of which ( XXXX XXXX XXXX ) was closed by the company and in XXXX and XXXX. The Experian company is falsely stating the issue has been resolved.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed
Product: Debt collection

I was contacted by Integral Recovery Services and they claimed I owed {$190.00} for a collection stemming from an outstanding fine in XXXX County, Colorado from XXXX. I obtained the case number and contacted the XXXX County Court to verify the information. The court informed me that the alleged ticket ( which I believe I paid in XXXX ) no longer exists, as the paperwork regarding my case was old and has since been destroyed. They claimed that they were audited in XX/XX/XXXX and as a result of that audit, they determined that my fine was delinquent because they could not locate record of payment. I told them that this was concerning, as they could not prove that I owe them anything, but they sent it to a collection agency anyway. She responded with the challenge, " well do you have YOUR receipt? '' I responded that I do not, but I 'm a private citizen and I 'm not responsible for maintaining proof of my innocence in a matter that was 7 years ago. I also raised my concern that no good faith effort to collect this amount I supposedly owed was ever made prior to sending it to collection. My information is not difficult to find ; I 'm a registered voter, I have a current driver license, passport, etc. 
Once it was clear that the court would not deal with me on this, I called the collection agency back to pay the amount and get it over with so that I do n't have an open collection on my credit report. The representative with the collection agency refused to allow me to complete the payment until I had provided not only my current address, but also my current employer. I told her that I failed to see why that would possibly be relevant and she responded that I could call back and settle the debt when I was willing to tell them where I work. She also said, " if you 're taking care of this debt, you should n't be worried about us knowing where you work. '' Furious, I said that it 's incredibly inappropriate to dictate to people what they should n't worry about, especially personal information in the hands of a combative, unprofessional cadre of debt collectors. I finally gave in, told her where I work, and paid the full amount they CLAIM I owed. She also said that they do not report to the credit agencies, which is patently false. I was requesting that this be deleted from my credit report upon payment and that I be provided a letter stating as much. Her response what that the collection agency could not assist in that matter because they do not report to the credit bureaus at all and I would have to deal with the court. The court had made it clear on my earlier call with them that they could not deal with me at all in this matter and that all resolution would have to be accomplished directly with the collection agency. 
Now this will be on my credit for 7 years and nobody can show that I owed ANYTHING, but with it already being in collection status, I felt I had no choice but to pay it and prevent it from reporting as an open collection for any longer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX late payment entries on my TransUnion consumer report for the account XXXX XXXX ( Account # : XXXX ). The late payments in question are for XX/XX/XXXX and XX/XX/XXXX. I can confirm that I was never late for either of these months, and all payments were made on time. 

In accordance with 15 U.S. Code 1666b, I request that you provide documentation to support these late payment claims, including : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least XXXX  days before the respective payment due date.
Product: Credit reporting or other personal consumer reports

THIS SERVES AS A FORMAL AND INITIAL COMMUNICATION TO COMPLAIN THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INFORMATION REGARDING LATE PAYMENTS ARE INACCURATE. 

XXXX 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/year> ( 90 DAYS LATE ) I RESPECTFULLY REQUEST A THOROUGH AND ACCURATE INVESTIGATION INTO DATA ASSOCIATED WITH THESE ACCOUNTS, ENSURING THAT ALL NOTATIONS, DATES, PAYMENTS AND BALANCES ARE REPORTED CORRECTLY. I ALSO REQUEST SPECIFIC EVIDENCE PROVING THAT THE ALLEGED LATE PAYMENTS WERE IN FACT LATE. TO VERIFY THIS I AM REQUESTING COPIES OF STATEMENTS AND PAYMENT TRANSACTION RECORDS FROM CREDITORS THAT DEMONSTRATE MY PAYMENT WAS SUBMITTED LATE.

UNDER 15 USC CODE 1681e IT IS YOUR RESPONSIBLILTY AS THE CREDIT REPORTING AGENCY TO VERIFY THE ACCURACY OF THIS INFORMATION WITH THE REPORTING CREDITORS IF YOU ARE UNABLE TO PROVIDE PROOF OF THE ALLEGED LATE PAYMENTS I ASKED THAT YOU UPDATE MY PAYMENT HISTORY TO REFLECT A " PAANL '' ( PAID AS AGREED NEVER LATE ) STATUS IN ACCORDANCE CONSUMER PROTECTION LAWS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I do not recognize the inquiry as reported. The inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX in XXXX, WY, with Wells Fargo Dealer Services as the lender, inXX/XX/XXXX. This vehicle was first insured, by me, with XX/XX/XXXXand later with XXXX XXXX. There were various times that I fell behind in my payments. In XX/XX/XXXX ( I am unsure of the date ), I spoke with a representative ( name unknown ) of Wells Fargo Dealer Services regarding my late payments. He inquired with me about my insurance, which I did have coverage, at that time with XXXX XXXX. He stated that since I was late on my payments, he was certain I didnt have insurance and stated they were going to insure the vehicle through an in-house insurance policy. I informed him that wasnt necessary and could send them my insurance policy if needed. He didnt request that I send the information. Due to falling behind in the payments, the amounts due monthly increased, but I didnt calculate the amounts for fraudulent billing practices. InXX/XX/XXXX, the truck was repossessed by Wells Fargo Dealer Services. In XX/XX/XXXX, I received a Notice of Sale of Repossessed Property and Explanation of the Calculation of Surplus or Deficiency datedXX/XX/XXXX. There is a credit listed for insurance in the amount of {$710.00}, which leads me to strongly believe I was charged the CPI insurance and/or GAP insurance I had verbally declined in the previous phone conversation. Within the last two weeks, I learned that Wells Fargo Dealer Services had been in the habit of charging for CPI and/or GAP insurance without consent. On Monday, XX/XX/XXXX, I called Wells Fargo Auto CPI Payment Program at XXXX. I spoke with an unknown female representative that refused to tell me about the Wells Fargo Auto CPI Payment Program. She took my name and stated to me that she ran my name through her system and no information returned. She inquired about any letters I have received, which I have not received any correspondence from Wells Fargo since XX/XX/XXXX. I tried to explain to her that I have relocated to another state and wanted to speak to her about the insurance charge/credit listed on the Notice I had received in XX/XX/XXXX, but she made it clear that there was nothing she was willing to discuss with me. I would like to know why I had been charged for insurance, as listed on the Notice, and exactly how much I had been charged for this unneeded expense.
Product: Credit reporting or other personal consumer reports

There are charge off where I have paid. In the end the charge and written off as been added to my credit report without my knowledge. When I was going through hardship I was call the company and make talking to them and make small payments. I the information they reported is incorrect. there are charge off in the months I have paid them. That's against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau TransUnion, XXXX and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Product: Money transfer, virtual currency, or money service

A scam charge I paid for products never received
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inquiries on my report I did but authorize
Product: Debt collection

This company calls me every single day. Leaves a message with no information other than to call back about debt collection. I have checked all credit reports - theres nothing that even mentions this NCB Management Services. 

I have blocked their phone number previously, and they just start calling on another phone number. I have asked them to stop calling me, they will not. 
When I do call back, they tell me this is their attempt to collect a debt. I ask what they are talking about and they say " we're attempting to collect a debt. '' When I inquire about what debt they're calling me about, they ask me for my personal information including DOB and SSN. I say I have never received anything in writing from them, so I will not provide my personal information- I can't confirm its not fraud. 

They're the ones calling me every day over something I have no knowledge of. If they're contacting me everyday, they shouldn't need me to hand over my SSN before proceeding. Again, I have nothing in writing from them - ever. I have nothing with their name in my emails, my credit reports, nothing! How do I get them to cease and desist communications?