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

I was victim an identity fraud victim.The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus over 30 days ago, matter of fact it's been over 45 days since I have sent in my letters letting them know that there were inaccurate accounts on my credit profile that were not authorized. I was impacted by the equifax data breach and I feel like my information got into the wrong hands. I sent in my dispute on XX/XX/2024, almost XXXX months ago and still no response. I feel like I am being taken advantage of and that my issues are not being handled seriously. According to the FCRA any inaccuracies on a credit profile must be removed immediately. If this isn't resolved I will be forced to file litigation. Thanks for your help with this manner
Product: Credit reporting or other personal consumer reports

Account was not removed that is XXXX years old. Need it removed immediately as it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX and equifax has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and XXXX have both violated my rights. 15 U S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 






XXXX XXXX XXXX XXXX XXXX XXXX Collections- summary XXXX XXXX XXXXXXXX Original Balance {$710.00} Current Balance {$710.00} XXXX XXXX Last Updated XXXXXXXX XXXX  Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$580.00} Credit Limit {$300.00} Credit Utilization 196 %
Product: Debt collection

Statewide Credit Asscoiation Inc. is calling my workplace. Also called twice within XXXX minutes. This is not acceptable. XXXX was reps name.
Product: Mortgage

Had my 2nd mortgage loan with Selene Finance. It was apparently sold to XXXX without my knowing. My automatic payments of {$1200.00} were taken out on XX/XX/year> and XX/XX/year> by Selene. Got a letter in the mail from Selene on XXXX, XX/XX/year> that my auto payments were stopped, but didn't say why. I logged onto Selene site, and my account was deactivated. Sent an email with no response. Tried calling, but because my account couldn't be found, I couldn't talk to a rep. Later that day on the XXXX, I got an email from XXXX that the loan was moved to them and to sign up for auto payments. I signed up for auto payments and set it for the first payment to be taken out on XX/XX/year>. On XXXX, XX/XX/XXXX, I get a statement from my bank that a payment of {$1200.00} was being process to be taken out of my account on XX/XX/year> from XXXX. On XXXX, XX/XX/year>, I called XXXX who said that Selene had sent XXXX my XX/XX/XXXX payment, but not my XX/XX/XXXX payment, so they went ahead and took {$1200.00} from my account without my permission and said that Selene should reimbursement me for my XXXX payment to them. I can't get a hold of anyone at Selene since my account number doesn't work anymore. I would also like to file a complaint agains XXXX for not notifying me that they were taking payment out early even though they weren't supposed to take it out until XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$710.00}
Product: Credit reporting

I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  CT XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; CXXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX
Product: Vehicle loan or lease

I had a early Auto return of my lease which was expected to end in XX/XX/XXXX. 
In early XX/XX/XXXX I contacted the Ally Financial Rep and discussed about the early return process of my leased vehicle. 
They instructed that I had a lease buyout payoff balance of {$2200.00} if I pay off by XX/XX/XXXX but was told that I will be getting a final bill of the lease buyout balance so I can pay that bill and not the upcoming payment. 

My auto lease payments were automatically recurring for {$450.00} every month and was deducted on the XXXX of every month, but the Ally Rep discontinued my auto pay after I told him that I will be returning the vehicle to the dealer to process the Early Lease Vehicle Return buyout process. 
At that point I was told I did not have to continue with the Auto recurring payment since I will be getting a final bill that I can pay off the balance for which was expected within a month or two of processing time ( Expected latest XXXX ). 


I returned the vehicle to XXXX at XXXX of XXXX on XX/XX/XXXX and the lease return was processed by XXXX XXXX ( extension XXXX ) thus did not have my vehicle in possession since XX/XX/XXXX, expecting a final bill from Ally ( latest XX/XX/XXXX ), but instead my account was taken to Collections. 


I called Ally numerous times to ask about the final bill however they could not help with the process because all they can say was that it was pending and was eventually investigated that the Dealer did not perform their end of the work to submit the return back in XX/XX/XXXX when I returned it, but rather it was processed in XX/XX/XXXX. At that time, just to keep them from further hurting my credit, I gave in to pay {$1200.00} balance on XX/XX/XXXX despite receiving the final bill. 

By that time, my account was sent to Collections because I got instructed a ill-advised instruction to wait for the final payoff invoice from the Ally Representative and also the Dealer ( XXXX XXXX ) not performing their job to process the Lease Return back in XX/XX/XXXX. 


I finally got the final pay off balance bill in XX/XX/XXXX and paid off the final balance of {$730.00} on XX/XX/XXXX, however the lousy work ability of the Dealer and the ill-trained bad information of the Ally Rep from XXXX during my lease return delayed the return process further preventing Ally to formulate the final bill for my final payment in XXXX rather than XXXX. 


I have attempted 3 times with Ally to help correct this unique situation of inaccurate late payment and that the discontinuation of recurring auto payment was discontinued by the ally Rep who gave inaccurate information about the lease return payment expectations and process, however Ally did not own up to their bad information. 

My credit is damaged from XXXX to XXXX and this is causing problems. 
Please help recover this bad situation so that Ally can own up to their own bad training and ill-advised information, especially now that they have no reason to deny that I owe them since all balances were fully paid off due to their own delay mismanagement of a simple Early Lease Return on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. I talked to the furnishers and they agreed to not report the accounts on my file. They became XXXX  of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX, XXXXXXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Credit card or prepaid card

This happens every time. I have never had a worse credit card company. The latest is a XXXX movie rental that I returned. XXXX charged me {$37.00}! First of all, I rented 4 movies. Why would I just not return one? If I wanted to buy a movie it would be special. I have bought 2 movies in my life and I am XXXX XXXX XXXX. I filed a dispute for the charge and my Chase Sapphire Preferred credit card sent a letter dated the XXXX of XXXX. It said a response was needed by the XXXX. This was in my mail box on the XXXX. I picked it up today. Again, every time I have filed a dispute they have done something similar and I'm sick if it. I bank with Chase and have their accounts only because I live part time in XXXX and don't have to pay all the foreign fees. That is the only reason. I have never experienced a worse financial institution!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have XXXX inquiries that is not mines and i want it removed as well asap under the FCRA XXXX  XXXX XXXX  - XX/XX/2021 XXXX- XXXX XXXX  XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 2021
Product: Debt collection

Please delete this XXXX plus year account that has reached it's XXXX XXXX XXXX XXXX XXXX XXXX 
This account was deleted from my credit report and XXXX department of education and XXXX added it back as collection. This account was written off and the delinquency date was over 20 years ago. please remove in accordance with XXXX XXXX XXXX This account was deleted from my credit report then added back as collection. This account was written off and the delinquency date was over 20 years ago. Remove in accordance with XXXX XXXX XXXX XXXX XXXX Code XXXX
Product: Money transfer, virtual currency, or money service

My paypal was permanently limited 7 months ago, then they released my funds for withdrawal in XX/XX/XXXX this year, then they again permanently limited my account in XX/XX/XXXX same month for holding my XXXX $ for another 180 days!!! 
I called paypal support but they didnt help me. They can't answer me why they limited my account after waiting 180 days? They hang up my call everytime. For the second limitation I can't withdraw my funds to linked bank account. 
I added the proof that they released and re-limited my paypal account. 
My paypal ID is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the account
Product: Debt collection

On XX/XX/XXXX, I requested in writing that NCB a debt collection company should only communicate with me in writing. The telephone number that they are calling is a work phone and is on an unsecured line that can be monitored at any time by individuals who should not be privy to personal matters that pertain to me. I followed up with written communication via the BBB odr system again on XX/XX/XXXX to reiterate my request to communicate via writing only.. NCB has continued to call the line and even left a voice message which has resulted in me being reprimanded by my employer for using a work phone for personal reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent via mail on XX/XX/XXXX a letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, Transunion, XXXX ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Report XXXX PHH Mortgage reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.
Product: Checking or savings account

I received a card in my name $ XXXX from CashApp XXXX Block Inc ) around XX/XX/XXXX. I did not order this card and the paper it came attached to, instructed me to scan a code to activate it. I assumed this was a scam, so I did not scan the code to activate it. I believe I then reported it to the FTC. My credit was already frozen because my information was leaked after the XXXX data breach about a year or so ago. I have not stopped receiving fraudulent cards since then. 

On XX/XX/XXXX I then contacted CashApp at the number ( XXXX ) XXXX and talked to a male rep but was scared to give them any info because I'm not sure if the number I called was real or not. I gave them only the last 4 of my social, my name, email, and phone number over the phone. They said they would send me an email where I would be prompted to upload photos of the front and back of the card they sent me. Again, I was nervous to do this but did so anyways. I told them this card was never requested, was fraudulent and that it should be shut down immediately. When I sent the images, I emailed them back to request they confirm the card had been closed. They did not respond. I emailed them again on XX/XX/XXXX to confirm the card had been closed and again, they did not respond. 

Today, XX/XX/XXXX, I received a 1099-K form from Block Inc XXXX This form is titled " XXXX XXXX and XXXX XXXX XXXX Transactions '' and it shows 267 transactions totaling {$4300.00} have been purchased under my name, social security number, and my address. I'm not sure what else to do or who to report this to because I did not open this CashApp account and I did not make these charges. I'm not sure how to get this to go away.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : 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 not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Checking or savings account

Per Bank of America, I had an account with them with card ending in XXXX back in XX/XX/XXXX and I owe them {$210.00}. I refuse to pay this amount this is a fraud account and do not owe them any money. On XX/XX/XXXX I called BofA and requested copies on that account and they refuse to send me any information they demanded a payment and send me to collections. I refuse to pay this account because I didn't open it.
Product: Debt collection

On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, Experian, and XXXX and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.