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

My identity was obviously stolen and someone has my social security number. This has caused me to probably lose my job
Product: Credit reporting or other personal consumer reports

In regard of XXXX, XXXX, and TRANSUNION, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that XXXX, XXXX, AND TRANSUNION can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.
Product: Credit card

Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Product: Credit card

Let me start by saying I have referred XXXX people to this app in the past ( screenshot attached ), & I will not be able to refer anyone else until this situation is handled fairly and quickly. I just opened my Self app to open a new secured link until I started looking at the fees and late payments for an account that I have not even be able to use. I can also see other CFPB complaints regarding the same issue. I am just now seeing that I owe {$190.00}, which I do not feel like I owe. I had to move a lot in XXXX to take care of my grandparents and never changed my mailing address for Self as I thought my account ended once I paid off my XXXX XXXX line and the deposit went towards my credit card balance. I closed my secured line ( XXXX XXXX ) on XX/XX/XXXX. My card ended in XXXX. The deposit for that secured {$350.00} was sent to my credit card, and it was listed as " XXXX XXXX XXXX '' for {$350.00} on my Self Statement. Once that deposit was paid, I was under the impression that my Self Credit Card had ended because it kept saying " Available Credit '' was {$0.00}. I thought Self would close the credit account since the CD was closed and the deposit was sent to the credit card. I was unable to use it & there was no available credit showing & the credit card was never used again after the accounts were closed on XX/XX/XXXX. Now I see that Self kept my account open just so they could keep charging late payment fees and interest rates. I never received a statement saying the account was closed and the remaining balance. I was charged nine months of {$15.00} late payment fees, which equals {$100.00} from XXXX ( no late fee for XX/XX/XXXX when {$350.00} credit finally hit ). Statement interest fees also added up to {$35.00}. The account should have closed in XX/XX/XXXX, so I have no idea why I was still charged late payments and interest rates. For referring XXXX people, you would think I got better service as I do want to open another account and refer people but not if this company is charging late payment fees and interest rates a year after accounts closed. It is still hurting my credit and I have not even used that card since I closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed several inaccurate accounts that is being reported by EXPERIAN credit bureau, I never received a response and it has been over 30 days I request that these accounts and inquiries be removed at once PER THE FAIR CREDIT REPORTING ACT. Furthermore this credit bureau is allowing companies that are not licensed nor registered to collect debts in the state that they are reporting to I am enclosing document for your review. Furthermore pursuant to section us code 1681 e ( b ) Accuracy or report. whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates must be 100 % accurate across all three agencies. these accounts must be deleted immediately this account is being reported inaccurate which is a big violation. 

FTC IDENTITY THIEF REPORT NO : XXXX COLLECTION ACCOUNT, XXXX XXXX XXXX, ACCOUNT NO. XXXX FTC IDENTITY THIEF REPORT NO : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXXXXXX FTC IDENTITY THIEF REPORT NO : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Product: Credit card or prepaid card

I have been banking with Navy Federal Credit Union since XX/XX/XXXX!  Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my credit card balance, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. 
They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX balance was {$270.00} date XXXX XX/XX/XXXX account number is XXXX This account was paid off from XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX the Removal date XX/XX/XXXX I never applied for a loan with them XXXX XXXX date open XX/XX/XXXX this account was paid off {$600.00} and still on my credit report account number is XXXX Macys/CBNA account number XXXX this account was paid off {$400.00} XXXX XXXX XXXX Open date is XX/XX/XXXX Account number is XXXX this account was paid off {$500.00} CITI HEALTH/CBNA I never opened and account with these people Open date was XX/XX/XXXX account number XXXX
Product: Vehicle loan or lease

My XXXX XXXX XXXX was declared a total loss. The incident occurred only 2 weeks of getting it. I called my lean holder, TD Auto, to inform them of the situation. After informing them of what was going on they told me to hold of on making the payments, that i only had to worry about making the interest payments. The whole loan was payed of by the insurance and gap insurance. I was then hit with a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep saying I am not the one sending MY OWN dispute. I have provided my Driver License and Social Security card before and I am very frustrated. Do they need a DNA test to proof its me? I sent Experian my dispute with report number XXXX on XX/XX/2020 which they received and investigated on. I have reason to believe that they conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to them 4. The method of communication they used to verify this information 5. Did the creditor provide them with my SSN, address, and Date of Birth? If this information can not be provided I request this accounts to be removed from my report due to my original dispute of inaccuracies reported on the accounts mentioned in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$260.00} Opened:XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a medical bill on my credit report which goes against the laws
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a discrepancy I have found in my consumer report. Upon reviewing my records, I noticed an instance of a late payment on an account for which I have never been tardy in remittance. 

The account in question is with XXXX XXXX, bearing the account number # XXXX XX/XX/XXXXXXXX. According to my records and diligent financial management, there has never been a late payment associated with this account. 

Consumer reporting agencies such as yours play a pivotal role in maintaining the accuracy of consumer information, and it is with this understanding that I urge you to thoroughly investigate this matter. I kindly request that you provide conclusive evidence, in the form of statements or documentation, demonstrating the alleged late payments on the aforementioned account. 

Should you find no evidence to substantiate these claims, I hereby demand that the erroneous late payments be rectified promptly. It is imperative that my credit report accurately reflects my payment history, particularly when it concerns payments that were made diligently and on time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Thank you for your cooperation and assistance in ensuring the accuracy and integrity of my consumer report. 

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

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have made all the necessary steps to have my consumer report reviewed and get the accounts deleted because of inaccurate amounts, no investigations, and no deletions. The only thing thing they did was vertify this information and i did not give any written approval of putting my information on my credit report. There is a need to insure the consumer reporting agency 's exercise theri grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Any other adverse items are not to be written on my credit report. They have reported inaccurate information. I have written to them 3 times to conduct an investigations and they did not follow the laws when conduction these investigation because no one around me has been contacted by these agencies. I want them to deleted these items immediately.
Product: Credit card

Someone used my info to apply for a credit card with Home Depot. Not sure whether it was online or in person. I received an alert via XXXX late last night XX/XX/23
Product: Debt collection

On XX/XX/2020 I sent a dispute letter to Portfolio Recovery and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXXand XX/XX/XXXX is together on one file whileXX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This had been the worst year of my life financially. My fiance was in a XXXX and even when he recovered needed extra assistance and time before he could go back to work.

I have been paying world finance for years foolishly refinancing a personal loan. I have almost paid them off - I owe a total balance of just {$260.00} and am 10 days late on my payment. They get paid every single month but this month they have decided to take to harassing my friends family and former employer and it needs to stop.
Product: Debt collection

I owe XXXX dollars for lab work I had done a few months ago. Due to my current financial situation, I cant pay it right now. I am a XXXX XXXX XXXX XXXX and do not have excess income. I can pay for food, and living expenses ( living paycheck to paycheck ). The first time I answered the phone for this company he asked me for my credit card number before I could even process who the call was from. When I told him I am not comfortable giving out information over the phone he refused to send me a paper bill ( Its been over a month and I have still not received one ). I hung up because I was unsure if this was even a real collection agency. They have started calling every day, and sometimes several times per day, leaving long messages ( some over two minutes long ) of them breathing loudly into the phone. Im very close to changing my phone number because of this situation. If I had the financial ability to pay the bill, I would have by now. Its frustrating being harassed by this company, and the messages of them breathing into the phone make me very uncomfortable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

FRAUD, FRAUD, FRAUD I am the property owner of XXXX XXXX XXXX XXXX. XXXX, TX. XXXX. The home was rented to XXXX and XXXX XXXX in XXXX. In XXXX we completed a warranty deed transfer so the XXXX 's could purchase the home on XX/XX/XXXX. They were unable to obtain a mortgage so I verbally extended the agreement to XX/XX/XXXX in which they were again, unable to obtain lending. I hired an attorney to draft a Deed in Lieu document to have the deed transferred back into our name. The XXXX were asked to sign and return the documents on XX/XX/XXXX with an anticipated move out date of XX/XX/XXXX. Since XX/XX/XXXX the XXXX have been unresponsive. On XX/XX/XXXX a notice to vacate was sent via certified mail to the home. On XX/XX/XXXX I receive a payoff request from XXXX XXXX. On XX/XX/XXXX I receive an email from XXXX XXXX stating they are attempting to obtain lending on the home and expect to be funded by XX/XX/XXXX. XXXX. Upon review of the document I notice strange issues and begin contacting entities and parties denoted on the loan documents. I find that no one listed on the document is aware of the loan origination. I personally spoke to the loan officer XXXX XXXX and sent an email but was informed that his email is not XXXX XXXX XXXX Instead, the email belonged to his son XXXX XXXX. I will be filing an eviction on Monday XX/XX/XXXX and am very concerned there's fraudulent activity occurring. I've notified all parties involved and am not sure what the next step is to protect my family and assets. 

Not attached, but I do have proof of above information if required. 

Attached is the loan paperwork received from XXXX XXXX.
Product: Debt collection

I HAD an app Robinhood on my phone to transfer money I had my bank listed n someone got into my account n transferred money out without my authorization!!!!! It wasn't taken from my bank it was just from my Robinhood account {$190.00}!
Product: Credit card or prepaid card

I believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then not supplying me with the Chase card ( with incentives ) I originally applied for. 

In early XX/XX/XXXX, I saw an advertisement on the XXXX XXXX App to open a XXXX Chase credit card with a XXXX point sign up bonus. I applied for the card and on XX/XX/XXXX, Chase Bank ran a credit check on me thereby continuing the application process. 
I received a letter dated XX/XX/XXXX from Chase asking me to call to discuss my credit application which I did on XX/XX/XXXX. 
I then received a letter dated XX/XX/XXXX asking me to verify my SSN which I did on XX/XX/XXXX via a fax sent from a Chase Bank branch to the listed Chase fax number. 
Then after hearing nothing I received a letter dated XX/XX/XXXX asking me to call Chase Bank to again discuss my credit application, which I did on XX/XX/XXXX. During the call, I spoke with a " XXXX '' who indicated my card had been approved with a credit line of {$17000.00} and would be mailed in one to two weeks. 
On XX/XX/XXXX I received a basic XXXX Chase XXXX card, but not the card with the XXXX point sign up bonus incentive I originally applied for. 

I believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then switched that card with a basic XXXX points credit card, one without incentives, and not the one I applied to receive. 

Chase has horrible customer service and through this process, I have literally spent hours on hold waiting to speak to their representatives.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.