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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft DEPT OF ED Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

On XX/XX/2022 I mailed Resurgent Capital Services a Debt Validation Letter and it was delivered certified mail on XX/XX/2022. On XX/XX/2022 I received a notice that they received my validation letter and mailed me three debt collection attempts instead with very little of the information I asked and are not able to Validate any of the additional information I requested.
Product: Credit reporting or other personal consumer reports

I have seen information about XXXX XXXX XXXX XXXX being investigated for fraud on Loans to Minorities and I want to know where I can get information about how to proceed with filing a complaint
Product: Vehicle loan or lease

IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. SENT CERTIFIED LETTER TO CREDITOR RECEIVED XXXX/XXXX/XXXX ASKING FOR INVESTIGATION INTO THE ACCOUNT THATS REPORTING INACCURATELY. THE DATE OF LAST PAYMENT IS INCORRECT AND THE TERMS DURATION OF 73 MONTHS IS WRONG. NEVER HAVE I SIGNED A CONTRACT NOR HAVE THEY PROVIDED ME WITH WHAT I HAVE ASKED FOR. THEY ARE BLANTLY VIOLATIONG FDCPA RULES AND REGULATIONS. I ASKED THEM TO PROVIDE PROOF OF THE ORGINAL CONTRACT BEARING MY SIGNATURE WHEN THE CAR WAS PAID OFF DUE TO A TORNANDO AND INSURANCE AND GAP COVERED THE BALANCE. THE CAR WAS PAID OFF IN FULL BUT SANTANDER HAS CONTINUED TO REPORT WITHOUT VERIFYING AND SUPPLYING ME WITH THE INFORMATION I HAVE ASKED FOR.
Product: Credit reporting or other personal consumer reports

Why is this account being reported with 3 consecutive incorrect dates of last activity. The account also has no data for the first 60 days of XXXX. Delete account for inaccurate reporting.

Once you have finished my request, please send me an updated credit report reflecting my request.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 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 XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

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

Equifax has violated 12 CFR 1006 by alleging to have investigated collection accounts, bankruptcies, and charge off accounts reporting to my credit report I have disputed accounts from 2012 to current with little to no success. Equifax has locked me out of my online account denying me access to check my credit or initiate disputes at this time. This was done in retaliation to my numerous disputes for the same accounts as Equifax refused to remove the inaccurate data claiming the investigated and the alleged creditors verified the accounts. I then requested in writing to provide with the details the creditors provided to them and was told I wasn't privy to that information even after requesting in writing. Equifax did not investigate the matters but after researching I found out he use an electronic system called e-oscar. And the alleged creditor does not have to provided any physical documentation regarding the disputed data.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Mortgage

I have been contacting and attempting to contact Dovenmuehle Mortgage since XX/XX/2020. My hazard insurance with XXXX XXXX XXXX expired XX/XX/2020 due to nonpayment. I have my insurance premium escrowed so I have paid for my insurance over the last year. As soon as I became aware that Dovenmuehle had not paid, I began contacting both XXXX and Dovenmuehle. XXXX is aware of the situation and has been in contact with Dovenmuehle as well. I have uploaded insurance documents to the Dovenmuehle website ( ihaveinsurance.com ) many times. I have managed to speak with about 3 people at Dovenmuehle on different occasions over the last two months and have been assured that they would pay my insurance as agreed. I have sent three secured messages asking them to pay my insurance and have received no response. I have until XX/XX/2020 to pay the premium to reinstate my insurance. Today so far, I have been on hold with Dovenmuehle for exactly two hours with no live person answering yet. I have paid all of my payments on time and the insurance premium amount is more than covered by my escrow. If Dovenmuehle does not pay this week, I will to pay my insurance premium twice -- once through escrow and once out of pocket to reinstate. Waiting on hold for two hours to ensure my insurance is paid as agreed and as allocated every month is completely unacceptable!
Product: Credit card or prepaid card

On XX/XX/15 I had a deposit of child support on to my ud bank reliacard. I have been unable to use the card since. I have called everyday and waites for up to 3 hours on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and XX/XX/XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry :XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX THESE HARD INQUIRIES WERE PUT ON MY XXXX  CREDIT REPORT WITHOUT MY CONSENT.
Product: Checking or savings account

I have open an account with Citi Bank in XX/XX/2022 and funded with {$75000.00} via ACH transfer from my XXXX bank checking account in early XXXX. On XX/XX/2022, I initiated a transfer from Citi into my brokerage in the amount of {$50000.00}. The transfer was revered by Citi and the account got frozen. I contacted Citi and confirmed the activity, and my account was removed from " hold '' within XXXX XXXX. I successfully transferred out $ XXXX into another checking account. I initiated the same {$50000.00} transfer on XX/XX/XXXX. My transfer got blocked by Citi on XX/XX/XXXX again, and I lost access to my online banking. After contacting Citi fraud department on XX/XX/XXXX, I was told that my account for closed by Citi, and I may or may not receive my funds in the checking account of {$50000.00} by a check via mail. I did not receive any reason for this action, the bank did not have any explanation for the closure of my account. My funds of {$50000.00} have disappeared without any answers. Lastly, I opened a Citi account through a promotional offer and have kept my funds for 90 days, fulfilling all the requirements of promotion from Citi to receive a {$1000.00} bonus. No bonus was granted and my own funds have disappeared.
Product: Student loan

I applied for a patent plus loan for the spring term of XX/XX/2016 for my son. We thought it was all taken care, therefore he enrolled. I never received a denial email or letter from navient. They said they sent my son an email. He has XXXX. I take care of things for him for that reason. Neither of us received any other notifications. Since he had already enrolled by the time we were notified, it was too late to drop classes and the college has charged us for the entire semester! {$6000.00} which we don't have. Thanks for checking
Product: Debt collection

This afternoon I attempted to contact Renton Collections over the phone to find out additional information about a collection account they were reporting with the original company " XXXX Inc ''. I suspect it may have been a medical item that should have been covered by my insurance. After verifying the account number on the credit report, my DOB and my address, the representative refused to speak with me because I would not provide my Social Security number over the phone. A XXXX representative got on the phone, then said he was going to put that I was refusing to identify myself and said he 'd transfer me to a supervisor so I could " talk about my feelings '' and was dismissive about my concern and need to address the issue on my credit. He was clearly intending to upset me any way possible, while not providing any additional information about the debt on my credit report. The supervisor ( XXXX XXXX I believe was the name ) was incredibly rude, would not assist me even after I provided my DOB again and informed her I had provided both the account number and the address. When I tried to explain the situation about how the other representatives would not assist me even with the requested information, said she would put me on hold and I could hang up whenever I 'd like. I identified myself, with the exception of not providing my Social, a practice that help prevent identity fraud. I do n't have sufficient information to get this resolved, so I have tried calling XXXX directly, but their billing department was closed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  AND XXXX  # XXXX Account Name : XXXX XXXX XXXX # C**** Account XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress k for these violations I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

No nation was taken by XXXX XXXX  because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a dispute for and investigation on the reporting of XXXX XXXX XXXX. As of XX/XX/XXXX I havent recieved any updates about my dispute. Its been 60 days. 15 USC 1681i-a states that a consumer reporting agency must do an investigation or delete item by the end of 30 days.
Product: Credit reporting or other personal consumer reports

Demand these CRAS DELETE THESE COLLECTIONS OFF My report immediately I have been going through such many years under hardship and that is not fair that they disregard and neglect people trying to advance in life. Please have them update my report with new scores immediately..
Product: Debt collection

Today, XXXX XXXX 2016, I was alerted via my XXXX credit monitoring service that a collection has been placed on my credit file from this company representing their original client of XXXX XXXX XXXX XXXX. First and foremost, I have been a victim of identity theft and have been dealing with this for quite some time now. I have had all XXXX reporting agencies ; XXXX, XXXX and XXXX place security freezes and fraud alerts on my files accordingly since early this year. 

Apparently, my social security number has been breached and utilized for fraudulent transactions this being on of them. Here is the following information showing on my credit file as of today : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX XXXX XXXX Acct : XXXX Amount : {$6500.00} According to my credit file ( s ), the information does not match mine with the exception of my social security number. It is currently reporting under a different name and address. Also, I have never been a client of XXXX XXXX XXXX XXXX and have been a XXXX XXXX customer for over 10+ years. 

While this has not yet reported on either XXXX and XXXX, I do want to jump on this immediately since this account is not mine and is simply FRAUDULENT.
Product: Payday loan, title loan, or personal loan

fbi is involved and cc the matter- even thru fed reserve. 
teken for over 5K in a ponzi scheme ( take take take but real earnings ) on a business. My partners dont understand what that means. I was CFO and CIO, not a sales clerk. I was repeateedly harassed about my role in the company. My personal funds were coerced out of me before my personal and the business leases were due- leaving me with nothing month after month. no one else signed their name on the biz lease- I terminated it via use of police force and contacting the owner directly. I was promised XXXX the down payment and lease for 1st mo. I have yet to recieve it nearly a year later. A wire, the money order was attempted, then not paid to me upon request. Then the money was recently spent n a  car which shouldnt even be on my mothers property. Always involves my mother- who is not a part of the board of the company. Ive had lawyers throw me certified letters in service attemps when they have no business law experience. These individuals will do anything to rip people off. I want my money ( moreso my car title ) relinquished immeadiately. The debt comes from my partners- its not my mothers   responsibility. car title note ws for business- and 3d fin will not allow dispute, redaction, or comply w fraud statutes. continues to extort me for money, trying to stop tag renewal. Im out of state-if tags cant be renewed, the car vanishes when they expire. I wont get it back. I have to sell the car but I should have my title back FIRST. If forced to pay- the ripoff total rises by the exotrtion amt that 3d fin adds. biz docs are packed in local XXXX XXXX XXXX XXXX up the road.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX information is incorrect, different status information, different balance open date, different information than on one other bureau. This account is not on Equifax report at all. I have requested this be corrected for more than 9 months. Using Factual disputing and billing errors as allowed by the law Transunion should have deleted this from my report. It has been more than 45 days Why is the information still completely different and still reporting inaccurately? 

XXXX XXXX- Account XXXXX- This account is still reporting inaccurately and is not uniform or the same as the other bureaus. ONLY this bureau is still reporting inaccuate and incomplete information of this account on the report. Why has this been removed? It has been more than 45 days where I have requested for the information to be uniform across all bureaus. 

I have attached the credit report from XXXX, TRANSUNION AND XXXX. TRANSUNION has COMPLETELY DIFFERENT INFORMATION ON THE REPORT THAN THE OTHER BUREAUS. Please help hold them accountable. They must delete inaccurate and incomplete information and compensate me financially for spending more than 9 months requesting the same updates repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of a XXXX XXXX Account with a credit limit balance of XXXX. The reporting date should be the XXXX of every month and it was reported the XXXX. The actual cardholder updated balance for the month of XXXX reported on the XXXX for {$26.00}. My report states the XXXX for {$130.00}. Reference # for the call XXXX. XXXX was the representative. I would like my information to be updated immediately so that my utilization can reflect correctly.