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

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX XXXX {$650.00} XXXX  XXXX {$18000.00} XXXX XXXX {$650.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  i submitted a complaint to the cfpb, CFPB Case Number : XXXX Stating FNBO has no permissible purpose to furnish my report, their response makes legit no sense as to they have actual claimed fault let me explain As stated in the response, Item # XXXX of the Promissory Note states that information about your loan may be reported to credit bureaus and that late payments, missed payments, or other defaults on your loan may be reflected on your credit report. You signed this document electronically on XX/XX/XXXX. We can confirm that the account was charged off in XX/XX/XXXXXXXX  and is being reported as such. On XX/XX/XXXXXXXX  Your response is indication that you have furnished and shared my consumer report without my written instructions to do so, in violation of 15 U.S. Code 1681b ( 2 ) which is an unfair act pursuant to 12 U.S. Code 5531 ( c ) ( 1 ) ( A ). I also state you have taken unreasonable advantage of my lack of understanding of the terms and conditions of your financial products and services, in violation of 12 U.S. Code 5531 ( d ) ( 2 ) ( A ) being such actions is a abusive act I have not given you direct consent as a consumer reporting agency, thinking you as a financial institution are lawfully allowed to furnish my information when singing the agreement i believed it was legal and lawful I was misinformed and confused from your abusive acts misleading acts, Banks response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) obtained and used a consumer report for a purpose not authorized to be furnished under 15 U.S. Code 1681 ( b ) Banks response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) no certified purpose in accordance with section 1681e of the FCRA Additionally, I believe that FBNO actions in this matter constitute an abusive act or practice under 12 U.S.C. 5531 ( d ) ( 1 ), as they materially interfere with my ability to understand the terms and conditions of my consumer financial product or service. 

Pursuant to 12 U.S.C. 5531 ( d ) ( 2 ) FBNO has also taken unreasonable advantage of my lack of understanding of these terms and conditions, as well as my inability to protect my interests in selecting and using this financial product or service, and my reasonable reliance on FBNO to act in my interests. 


In accordance with 12 U.S. Code 5536, it is unlawful for a covered person like FNBO to offer or provide a financial product or service that does not comply with federal consumer financial laws, or to engage in any unfair, deceptive, or abusive act or practice. I therefore request that you take any action authorized under 12 U.S. CODE CHAPTER 53 SUBCHAPTER V Part E to prevent FBNO from further actions of such behavior a lawsuit may be filed if you fail to comply with the deletion of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... 
Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$530.00} ; XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX  XXXX .... 
Balance : {$3200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I've had trouble with a payment from back in XXXX of XXXX not posting to my Capital One account ending in XXXX ( even though the check cleared the bank ). I logged in on XX/XX/XXXX and saw that it looked like it finally posted. Then on XX/XX/XXXX I logged in to check to make sure the payment wasn't reversed off again, and suddenly this account no longer shows up on my online access. I called into Capital One on XXXX and after being bounced around the person in the digital department told me they didn't know why I couldn't see that account any longer. I was told by them that they would escalate the problem and I would receive a call back. On XX/XX/XXXX I received a call from a " supervisor '' in the digital team that told me that account is no longer eligible for online access. I asked why and the supervisor told me I have no more information I can give. I asked who can and he literally said " no one. '' I have a payment that has posted and been reversed off since XXXX of XXXX and suddenly I no longer have access to that account online, and can not be told why. I was on the phone for over an hour with the majority of the time " on-hold. '' I want to be able to have online access to this account or at the very least be given an explanation as to why I can't. And if there is a legitimate reason, then how can I keep an eye on this account because clearly I've needed to for the last 8 months.
Product: Payday loan, title loan, personal loan, or advance loan

I recieved a text message asking me to pay some change to XXXX becuase my package was stuck at a warehouse. Which, I did order something i was waiting for. It prompted me to enter my card information and i hesitated but i did because it looked fairly legit and i was worried it wouldnt deliver. the next day navy Federal called me and said i had a fraudulent loan and needed to log ibnto my account and send them the money back so they can fix it. When i logged in i saw that i indeed had a {$5000.00} loan account i did not request. The man sounded just like he worked for navy fed and was very professional. I suspect it might even be his day job. He told me to send the money in incriments to nav federals official XXXX account. It was a lot of strange steps and i cant remmeber exactly how they made me do it but it even involved an external account. The man played me like a puppet. Since then i have been receiving non stop scams on every account i have and have lost about {$7000.00} in total. I trusted that navy federal called to assist me but it was not in fact navy federal. NIW AFTER A LENGTHY PROCESS IN REPORTING FRUAD, NAVY FEDERAL IS STILL EXPECTING ME TO PAY THEM FOR THE LOAN. Additionally they have taken over {$2000.00} from me through my direct deposit and a refund from an extended warranty i bought last year and received in recent months. They insist I am responsible though I have provided thorough and sufficient evidence that i did not open that account. Furthermore, there were XXXX security checks done on the FORAGED signature on the promissory note signed in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 

These Addresses do not belong on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to EXPERIAN has continued to fail to comply with their legal obligations under the FCRA guidelines. Specifically violating 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I disputed the dates of the late payments, which I wasn't late and provided bank statements, XXXX payments as well as XXXX payments to XXXX XXXX showing proof of XXXX payments to recipient, unknowing at the time that a case was opened on me. They were satisfied, gave me credit and closed out the case, owing XXXX balance. This case has put me in a position of losing my job due to being in finance, which by the companies policy, I can not have derogatory items on my credit report. I've sent numerous letters to Experian, filed complaints with CFPB, yet nothing has happened to correct this issue. To make matters worse, I just discovered CFPB has a lawsuit against EXPERIAN for shame investigations of credit report errors.
Product: Credit reporting or other personal consumer reports

Please have the following accounts delete from my credit report. I'm victim of trafficking. see documents
Product: Student loan

I made a payment on XX/XX/2023 to Mohela, my loan servicing provider. Mohela sent me a delinquent notice stating they did not receive my payment. The payment was made through my bank 's online bill pay center. My bank confirmed the payment was made and went to the correct Mohela account. I have tried to reach Mohela several times, spending hours on hold, sending multiple messages through their website yet I have not been able to reach anyone. This company does not answer the phone!
Product: Credit card

On XX/XX/XXXX, my Fortiva Retail account was closed, and the remaining balance of approximately {$700.00} was transferred to a new credit card that was opened in my name without my knowledge or consent.

I became aware of this issue only after noticing a XXXX drop in my cr

edit score and seeing both a closed and open account on my credit report. Fortiva also added a remark stating " customer closed the account, '' which is entirely untrue. I have always maintained my Fortiva account in good standing and never missed a payment. I had no intention of opening a new line of credit, especially just weeks before purchasing a car. Fortiva had no right to close my account, transfer the balance, or open a new account in my name without my explicit consent. The remarks they left on my credit report are false and damaging. When I contacted Fortiva, they claimed this was part of an upgrade program, supposedly to offer more card benefits, and said they sent an email notifying me. They also stated that my lack of action was taken as confirmation of consent. This is not only false but also a violation of the Truth in Lending Act ( TILA ). I never authorized or requested this change. Fortiva has now promised to reverse this and resolve the issue within five days. However, I do not need this on my credit report right now, as I am about to purchase a car and have been actively working to maintain my credit in good standing.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Debt Recovery Solutions , LLC claiming that I owe {$150.00} to that company, as a result of a supposedly unpaid cell phone bill for an account with XXXX. I contacted Debt Recovery Solutions and informed them that ( XXXX ) I have never had an account with XXXX, ( XXXX ) I have not had a NY address since XX/XX/XXXX ( they said the address for the account was in New York ), and ( XXXX ) that the debt and account are not mine. 

Since XX/XX/XXXX, I have contacted Debt Recovery Solutions on XXXX separate occasions to request that they either send documentation to support their claim that I owe the money ( I know they have no such documentation ), or that the company cease attempting to collect this alleged debt, and that they remove the delinquency report they have made to all credit reporting agencies. Debt Recovery Solutions has not done either of these things. 

In the meantime, my credit has been negatively affected by the false credit reports submitted to the credit reporting agencies by Debt Recovery Solutions. I can not get the company to remove the false report concerning the alleged debt, nor will they provide any support for the supposed debt and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had four late payments on my XXXX  account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Product: Credit reporting or other personal consumer reports

Last year, I found 3 fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of XXXX, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Mortgage

I requested and was granted a postponement of payments due to illness / lack of employment. Faye Services paperwork states that my participation in their program would not reflect negatively on my credit. After I got off the program had been current on my payments for 8 months the company reported 30, 120 and 150 days late on payments from the previous year.
Product: Debt collection

On XX/XX/XXXX I was in court and a judgement was entered in the amount of {$1800.00} with payment to be sent to XXXX XXXX ( OPP Loans collections attorney ). Payments were to be {$150.00} per month. On XX/XX/XXXX, a cashiers check # XXXX in the amount of {$1800.00} was certified mailed to them using USPS - tracking number XXXX. I had called in XX/XX/XXXX to ensure the payment was posted. It had not been. On XX/XX/XXXX I received a release of judgement from XXXX XXXX. Upon reviewing my credit reports, I see that as of XX/XX/XXXX, OPP Loan still is reporting to the credit bureaus that I am making late payments and delinquent on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to seek your assistance in resolving significant inaccuracies on my credit report, which have adversely impacted my life and financial standing. I believe that multiple creditors have violated important consumer protection laws, and I am seeking your intervention to rectify these violations. 

I have identified a series of accounts and inquiries on my credit report that appear to be in violation of the Fair Credit Reporting Act ( FCRA ). The specifics of these accounts and violations are as follows : XXXX. XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Potential FCRA Violation - Unauthorized Inquiry XXXX. **PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Violation : Potential FCRA Violation - Inaccurate Personal Information These inaccuracies have significantly affected my financial well-being. [ Share your personal story here. Detail the emotional and financial distress these inaccuracies have caused, such as being denied credit opportunities, job prospects, housing applications, or any other relevant impact on your life. ] I urge the Consumer Financial Protection Bureau to enforce the legal protections established by the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of credit reporting. I kindly request your intervention to address these violations and request that the respective creditors remove these unverified and potentially inaccurate accounts from my credit report. 

Please provide me with written confirmation of your actions and the resolutions of these disputes within the legally mandated time frame. I sincerely appreciate your attention to this matter and your commitment to protecting consumer rights. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

i applied for card and was told i couldnt get credit card unless i gave a letter from my bank
Product: Debt collection

In XX/XX/2018, I moved. I cancelled XXXX service at my old apartment on XX/XX/18 and then went into their office on XX/XX/18 to set up service at my new address since when I spoke to someone on XX/XX/XXXX, they said they were not able to simply transfer services between locations. While I was there, the agent offered to take payment for my final bill of {$60.00} at the old address, which I provided ( I still have the receipt from XX/XX/XXXX and my bank shows the payment went through on the next business day, Monday XX/XX/XXXX. ) XXXX has continued to email, mail, and call me about this final bill saying it is unpaid and has now turned it over to a collections agency, Eastern Accounts. The woman there was helpful when we spoke today and took a copy of my receipt to send to XXXX since the last payment the records they sent her reflect was from XX/XX/18 for {$110.00}. So far this week alone ( the week of XX/XX/18 ) I have received a piece of mail, an email, and a phone call about this.
Product: Debt collection

I set up a payment plan with Portfolio Recovery for an XXXX XXXX account on XX/XX/XXXX. Amount due was {$480.00}, payments to be withdrawn from my rapid refund account every two weeks in the amount of {$40.00} starting date XX/XX/XXXX with final payment in XXXX. The first payment was withdrawn in the amount stated above, but then I received a phone call on XX/XX/XXXX at XXXX from Portfolio Recovery stating they did not show any information of a payment arrangement being setup. I received another phone call on XX/XX/XXXXat XXXX, reminded the caller that the calls they place are recorded and they needed to go back in their archives and review the information that was set up on the XX/XX/XXXX. 

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX Thank you XXXX XXXX
Product: Vehicle loan or lease

This complaint is in response to to a pervious response this is not a duplicate complaint this is in reference to ( CFPB XXXX ) I am willing to negotiation the store warranty, factory warranty, hardship, terms and conditions of your contract, And any other legal agreements from American credit acceptance only through the CFPB. If there may be a solution bring it to CFPB attention and we will as a party address the issue fairly. It is to my discretion that this matter be handled through or by CFPB for the financial protection of a customer. Thanks