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

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my Trans Union, XXXX and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion customer service would not help taking care of the negative inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All my school loans have been totally discharged back in XX/XX/XXXX by US Dept of education. Meaning I have no balance. But on all 3 of my reports its still showing that I have a balance. Then on reports it showing delinquent in XXXX. All balances should say XXXX balance and there should no delinquencies years. Thank You
Product: Credit card or prepaid card

I used XXXX to send someone money, using my Citi Card Cash Rewards Card ( {$370.00}, on XX/XX/2020 ). 

After the fact, Citi Card charged exorbitant fees, including interest, despite being enrolled for automatic payment and always paying complete balance on time. 

I am sure Citi Card included the information about exorbitant fees, including interest, and that using XXXX is considered a cash advance, in the FINE PRINT of the INNUMERABLE PAGES OF THINGS THAT I MUST AGREE TO TO HAVE A CREDIT CARD AND THUS FUNCTION IN MODERN SOCIETY, but I do not have a law degree, nor an MBA, nor hours to research every transaction I perform in modern society. 

THESE FEES ARE EXCESSIVE, HIDDEN, AND TAKING ADVANTAGE OF CONSUMERS. THESE FEES MUST BE MADE EXPLICIT OR RULED INVALID. I am certain the banks love them, AND THUS THE CURRENT LEADERSHIP OF THE CFPB, BEING IN THE HANDS OF INDUSTRY, I'M SURE LOVES THEM AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter on my behave, I send a letter to Equifax consumer credit agency to dispute report on my credit fill. on the XX/XX/2020. The Investigation took more than 30 days I didn't received a letter back about this issues. This show I'm not treated fairly under law. 

Therefore, I want them to dismiss them, take them out of credit fill. 

Thanks
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent inquiries on my credit report that are unauthorized. Please remove each fraudulent inquiry
Product: Checking or savings account

On XX/XX/2022 I received a wire from the sale of a vehicle through my Navy Federal Savings Account. On XX/XX/XXXX I went into the branch to engage and use my money, upon meeting with a representative I find out my account has been frozen and I have to contact security, which is usually a two hour hold. I get in contact with security and they tell me theyre going to need verification from the other bank to confirm the wire was valid. Ive waiting more than 7 business days, and up to yet my funds havent been received. I contacted the other party to let them know and they said my bank is refusing to accept the wire and that theyve sent over everything they needed. This is unfair and unpractical.
Product: Checking or savings account

In XXXX my Bank account was hacked. {$4000.00} is missing. I've filed claims as well as talked to 10 people from the company and nothing was done they claim no error occured and refuse to do anything more to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EXPERIAN NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Letter to : Citibank , N.A . Customer Service XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX I received an unexpected E-mail from your company today notifying me that my credit limit was suddenly and without prior notice reduced due to a company review of my account. My account was reduced from a remaining credit line limit of {$1900.00} to within {$100.00} of my balance. Your action brought my account now to within a maxed-out range. I spoke to one of your managers on the phone shortly thereafter and she confirmed this change. She was not able and/or not willing to undo the changes. She stated that the decision was based on a review of my credit report with XXXX Agency. Upon checking my credit report with XXXX I did not find anything negative or anything new that was not there when the card was issued. Therefore, your actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative. Because of your action it will now have a direct negative effect on my credit ratings. Your company has somehow accessed my credit report with a credit fraud alert feature on it and resulting as a hard inquiry on my report and you did so without my consent or knowledge. I have been a customer of yours since XXXX. I have not once been late with a payment. I find your decision too discriminative, unjust and not deserving of it. It is for these reasons that I will file a complaint with the CFBP Agency. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. these items which I believe to be fraudulent and misleading needs to be dealt with immediately. 
Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is into claim already under investigation, i apologize but this is case number XXXX and i have postage from us postal i paid for express mail and it arrived to XXXX and Equifax some where around XX/XX/XXXX for both as i will show. I would like to address the lateness of this information and the Law that states under federal law they have 30 days to complete your re-investigation. Be advised i also sent same thing im showing you that the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 day of the completion of your re-investigation. When you see the copy of my tracking information you will see XX/XX/XXXX, would have been 30 days and today is XX/XX/XXXX, and i you the CFPB just said as of today the have 15-60 to get this done. So please add this to the letter i thought also they would be doing the job correctly but it seems they are dragging me along like this whole year. The pics i sent are my tracking information to XXXX, Equifax and the one letter is the same thing to the three collections i was requesting to be verified, just to make clear so you will understand what they have and what i was asking for.
Product: Debt collection

XXXX card is using my personal information as a product to sell. They have sold my information without showing a contract with XXXX XXXX, they have also discharged this debt have been fully Credited. Following being credited, XXXX XXXX has sold my personal information to numerous debt buyers like National Enterprise Systems , INC, who are now threatening my life by threatening to re-report old, previously deleted, fully credited accounts as delinquent and late with current payments. Totally deceptive. I believe National Enterprise knows this account has been fully credited and they still purchase unlawful debt. They threaten to take your livelihood which is based on good credit depending on the ignorance of a person with their credit report. These accounts were credited in XXXX, and deleted from my credit report. However, discover continues possess to sell personal information for profit. Enslaving my personal information, enslaving myself, I can not prevent XXXX from selling my information, no matter how much they have fully credited, they seek to be re-credited again and again using the power of a large corporation.
Product: Credit card or prepaid card

In XXXX, I subscribed to XXXX XXXX for $ XXXXmonth. Recently I received notice that the price is going up to {$64.00} on XX/XX/XXXX. I do not want to pay that amount and have desperately tried to cancel all of my cards associated on the XXXX XXXX  account. However, that fraudulent company called Google, Inc. will not allow me to cancel my payments even though I have cancelled my XXXX XXXX subscription. I do not and can not afford to have them bill my card on the XXXX of XXXX for that amount.
Product: Vehicle loan or lease

I purchased a used vehicle ( XXXX VIN ) XX/XX/19 from The XXXX XXXX with financing provided by TD Auto Finance. I then refinanced the loan with my local credit union ( XXXX XXXX XXXX ), but XXXX XXXX was never provided with the vehicle 's title. I have been making payments on time to XXXX XXXX for the last few years and now wish to sell the vehicle but am unable because the vehicle 's title can not be located. TD Auto Finance is unable to locate the title.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Someone used my identity according to Coinbase to open up five different XXXX XXXX accounts without Authorization. 
They then liquidated my assets transferred the money in USD and were able to deposit four transactions of {$5000.00}.

Coinbase was little to know help they couldnt disclose any information about it to me. They also said they couldnt stop the wire transfer that was supposed to take two days. 
They started an investigation and this could take a long time to complete according to them. 
I sent some attachments with proof I also have two different login attempts from different locations in the United States with IP addresses that was not me
Product: Credit card or prepaid card

I applied for a Lowe 's credit card and was denied because of " High Risk Source of Applicant '' I called several times for an explanation and got no answers. 
My credit score is in the 800 's. I have little debt and a high income. 
I checked with the 3 credit reporting agencies and there were NO soft or hard inquiries from Synchrony or Lowe 's. 
I don't know why I was denied but it seems arbitrary since my credit was not checked at any time.
Product: Vehicle loan or lease

After Filing multiple Covid Hardship wavers. I had to surrender the XXXX XXXX XXXX to XXXX XXXX in XXXX. XX/XX/XXXX. Chrysler Capital refused to honor both the warranty, repair, and shotty workmanship on a car held together with plastic. 

Every month since XXXX had threatened to repo the car. Dealing with XXXX XXXX and XXXX corporate. Whom both laughed when I called from the side of the road broken down with my XX/XX/XXXX XX/XX/XXXX from the accident. 

a year and a half recovery on my arm, trying to save up over {$1500.00} in repair costs that were covered under warranty. and trying to pay the ridiculous car note XXXX refused to work with. as well as threatening and Defrauding XXXX Vets during a pandemic is a serious deal.
Product: Checking or savings account

Today I spoke with a representative from both Bank Of America and XXXXXXXX XXXX XXXX  about funds that should have been returned to me on XX/XX/2021. The Representative from Bank of America refused to transfer me to a Manager she flat out refused because she determined that my concerns and Finances were none of Bank of Americas concerns even though ID XXXX XXXX ( Associate Lied Directly to me ) and Failed to me ID XXXX XXXX
Product: Mortgage

I am writing to file a formal complaint against LoanCareXXXX XXXX XXXX , a mortgage loan servicing company, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other regulatory requirements. My experience with LoanCare/XXXX XXXXXXXX XXXX has been characterized by a persistent failure to respond to debt validation requests, unlawful threats of foreclosure, and the initiation of debt collection actions despite my attempts to resolve the situation. 

My specific concerns and the sequence of events leading to this complaint are as follows : Failure to Respond to Debt Validation Requests : I have sent multiple debt validation requests, along with an affidavit, to LoanCareXXXX XXXX XXXX through various channels, including certified mail, requesting verification of the debt. Despite my diligent efforts, I have received no proper response or validation of the debt, as required by the FDCPA. I am deeply concerned about the validity of the debt, and LoanCare/XXXX XXXXXXXX XXXX XXXX failure to respond is a direct violation of my rights as a consumer. 

Unilateral Transition to Online Statements : I never signed up for online statements with LoanCare/XXXX XXXX XXXX and had been receiving paper statement coupons via USPS as a reliable method for tracking my mortgage account. However, without my consent or notification, they unilaterally transitioned to online statements, depriving me of these essential documents and undermining my ability to monitor my mortgage account accurately. 

Threats of Foreclosure : Despite my genuine attempts to resolve the issues surrounding my mortgage, LoanCare/XXXX XXXXXXXX XXXX initiated threats of foreclosure, causing considerable XXXX and XXXX. These threats have been made without proper communication, negotiation, or adherence to regulatory procedures. There is a record of this being common practice and pending class action lawsuit against XXXX a subsidiary of LoanCare/XXXX 

Debt Collection Agency Involvement : To my astonishment, I recently received letters from a debt collection company threatening foreclosure proceedings, even after I sent a payment on XX/XX/2023, via certified mailing ( USPS Certified Mail Mailing Request XXXX XXXX ). This further raises questions about LoanCare/XXXX XXXXXXXX XXXX XXXX unethical and unlawful practices. 

I request that the CFPB conduct a thorough investigation into the actions of LoanCareXXXX XXXX XXXX to ensure that they are in compliance with the FDCPA and other relevant regulations. I believe it is essential to hold LoanCare/XXXX XXXXXXXX XXXX accountable for their actions and the harm they have caused. 

I have attached relevant documents, including copies of my debt validation requests, the affidavit, certified mail receipts, and any other pertinent information for your review. 

I appreciate your prompt attention to this matter and your commitment to safeguarding consumer rights. Please keep me informed of the progress of this complaint and any actions taken by the CFPB in response. 

Thank you for your assistance in addressing this issue.
Product: Debt collection

Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681c-2, I noticed unauthorized inquiries on my credit report. These errors are lowering my score, so please remove them. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, one of the major credit reporting agencies, regarding the handling of my disputes concerning negative information on my credit report. I have recently encountered issues with Experian 's response to my dispute letters, and their assertion that the letters " do not appear to have been sent directly by me or authorized by me '' is both inaccurate and deeply concerning.I submitted dispute letters to Experian on XX/XX/2024 disputing certain negative information on my credit report. However, Experian 's response, as conveyed in their communication dated [ date ], claims that my dispute letters either did not come directly from me or were not authorized by me. This assertion is complicated and distressing, as I can confirm that I personally submitted these dispute letters, and they were authorized by me.
Product: Mortgage

Wrongdoers/Debt Collectors, wrong foreclosure and eviction ( who must answer to this complaint ) : see my attachment
Product: Credit reporting or other personal consumer reports

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages
Product: Debt collection

Hello, I am making a formal complaint about the Quality Asset Recovery company.

There are 2 claims. One for XXXX   and the other for XXXX. The time of service was XX/XX/2015. During that time, we had XXXX XXXX XXXX through my husband 's work. I called the hospital making the debt, they said it was a wrong code. I called the doctors office, they said it was the hospital 's fault. I called the QAR department, they never told me I could file a dispute. I also called the HR department at my husband 's work. I was told that if the QAR had told me it could be resolved earlier, it could be, but they never did.

This claim is for a XXXX XXXX XXXX XXXX I had because I XXXX XXXX XXXX. A XXXX. A necessary procedure. I had insurance. I am trying to buy a house and this is on my credit report.!
Product: Credit reporting or other personal consumer reports

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.