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

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

Prestige Financial was the lienholder. I had purchased a Gap policy when I purchased the car. Prestige refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX  Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to Prestige Financial. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to Prestige is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on XXXX as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.
Product: Credit reporting

On the XXXX XXXX 2016, while trying to get my report online, Trans Union kept telling me " unable to complete your request '', I then tried XXXX and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,
Product: Credit reporting or other personal consumer reports

i recived my credit reportand i noticed 5 accounts thats not my i never used
Product: Checking or savings account

I was informed by pnc on XX/XX/year> that there was suspicious activity on my account. There were XXXX {$30.00} charges, and they want to know, did I authorize them? I did not and I informed them. They credited my account in included that dispute. On XX/XX/XXXX, there was a {$90.00} charge to my account, which I did not authorize. There was no store, just a bank. I was told to let the transaction post, which I did and on the XXXX of XXXX I filled out a dispute but I was not credited. For Unauthorized charges. Which I should have been credited.A temporary credit at least because they were already made aware that my account had been compromised.
Product: Money transfer, virtual currency, or money service

I had an unauthorized charge to my checking account XXXX. These 3 companies charged my account while I was online applying for a personal Loan. My personal bank information leaked out to these 3 companies. They explained to me they had returned the withdrawals on certain dates. I should have had a small amount left in the account after the Overdraft fees were erased. I shouldn't have had overdrafts fees to begin with : // I was online and applying for a loan and these 3 charges showed up on my account with checks written to my account.They got ahold of my account #. I tried to cancel over the phone and she wouldn't take no for an answer. I called back the next day to cancel and they said they'd cancel all 3 charges and put the money back ; ( $ XXXX # XXXX, phone # XXXX, XX/XX/XXXX / $ XXXX # XXXX, phone # XXXX or XXXX, XX/XX/XXXX, / $ XXXX # XXXX, phone # XXXX, XX/XX/XXXX. They claimed they returned the XXXX XXXX {$17.00} on the XX/XX/XXXX, -and XXXX XXXX XXXXXXXX {$29.00} on XX/XX/XXXX, -and {$31.00} the XX/XX/XXXX. I have an Overdraft laim f {$140.00} and a missing check of {$31.00} from XXXX XXXX. The Old National Bank took my charge card, closed my account and sent it to collections.
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. 

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 inructions 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
Product: Debt collection

I have submitted a Cease & desist to this company to cease reporting because this account is not mine this account along with another account were opened the same month and deemed as fraud. As a result in the account being fraudulent the company has closed the account how ever they have the account still on my credit report, It has been over 3 months with no resolve .This is a direct violation of The FDCPA pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I have sent my last letter before my next step of litigation and seeking damages for emotional distress and defamation of character I have attached all required items of an identity theft report and the FTC is a law enforcement agency as per their website. I have also sent certified mail and the company has 4 days to delete upon recieval the certified mail tracking is XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have an intent to file a lawsuit for FCRA violation against Equifax if after this complaint with the CFPB isn't fixed and needs to be escalated. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( 12 ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are fraudulent inquiries still listed on my Equifax consumer credit report that I have been disputing in which Equifax has not opened an investigation and left the fraudulent information on my consumer credit report claiming it as a tracking record and a requirement of the fair credit reporting act. So, Equifax is admitting to the fraud being used by themselves as a tracking record however, under the false pretense that it is a requirement of the fair credit reporting act is false and I will file a claim in small claims court against Equifax if they dont remove these fraudulent inquiries listed on my credit report abve. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.
Product: Credit card or prepaid card

On XX/XX/2019 I authorized a {$25.00} payment from a checking account, during the payment process I accidentally used the incorrect checking account which issued a payment bounce back. Flagging my account, according to the agent I spoke with, XXXX ( Emp ID XXXX ), as a 'sensitive account '. Therefor when I make a payment it is no longer credited and posted to my account and in my available funds like it ALWAYS has been. When Speaking to XXXX she was unable to provide me with anyone I could speak to about lifting the 'sensitive account ' status, she was also unable to provide me with a duration of time as to how long my account would be a 'sensitive account ' and when 'good faith payments ' would be immediately accredited to my available funds. It is unacceptable to withhold this information from clients and unacceptable to tell clients they can not talk to an authorized employee that can help with this scenario. It is unacceptable for any company to tell a client that they will not provide them with any information at all. Simple put this is appealing and Citi bank should be disgusted with this company polocy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Filed for unemployment XXXX XX/XX/2020, never received confirmation or debit card, XXXX I received a tax form XXXX stating I needed to pay taxes on the funds EDD sent {$1800.00}. This was the first I realized the funds were stolen. Call EDD they said to contact Bank of America, got an appointment spent 3 hours calling from Bank, with bank representative to trying to resolve stolen money and create a fraud claim. Bank of America says it is an EDD issue, EDD says it is a Bank of America issue. nothing got resolved the bank was closed as we made our last call so I decided to leave.
Product: Debt collection

MCOT, XXXX, This is a scavenger debt collection agency that is illegally throwing garnishments against my wife and i, we had a bill XX/XX/2005 for an emergency room visit, this lawyer did not notify us in order to be able to take the case in front of a judge t or magistrate then garnished {$2900.00}, XXXX take all owed then sues us the XXXX time and didnt give any notice to appear in front of judge and illegally garnished my wife the XXXX time XX/XX/XXXX for the same bill from 2005 way out of XXXX of limitations and now garnishing {$3700.00} THIS IS A SCAVENGER DEBT COLLECTIONS TEAM WHO ARE TAKING ADVANTAGE OF THE PEOPLE, We have legal XXXX of limitations to protect the consumers, allready ruined credit XXXX years and is now trying to renew an old debt from XX/XX/2005,XXXX and XXXX after this debt was started, THIS WILL BE REPORTED TO THE BAR ASSOCIATION AND XXXX. we are a family of XXXX with XXXX working and XXXX diabled and is not drawing XXXX yet.It takes every dime my wife makes to pay our bills and have food for our family, THIS MUST BE STOPPED! SO IF YOU HAVE MCOT TRYING TO SCAVENGER OLD DEBT PLEASE REPORT IT, THIS IS NOT LEGAL AND NEEDS TO BE FOUGHT AT THE HIGHEST LEVELS, They garnished my wife XXXX time allready and we did not get a chance to go in front of a magistrate or judge, this is illegal, We should have been notified, Now here we are again with no notifications only garnishment for the XXXX time for a debt thats over XXXX IS NOT LEGAL AND IT MUST STOP! THEY ARE BUYING UP OLD DEBT FOR PENNIES ON THE DOLLAR AND OUT OF XXXX DEBT, GOING ABOVE AND BEYOND WHAT IS THE LAW!
Product: Checking or savings account

First National Bank of Omaha committed a felony. Instead of contacting me about a new overdraft they contacted estranged relatives first. This is violation of laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I am a customer of Capital One, I have a capital one venture visa card. I booked 3 tickets from XXXXXXXX XXXX to XXXX ( XXXX ) on an airline ( XXXX XXXX  ). The cost was approx. {$9700.00}. Capital one flagged that as fraudulent. They asked me to call them. When I called them, they asked for all identifying information ( DOB, SS #, address, email, phone number etc ) and they said my card was put on hold and in order to lift the hold, I need to provide a copy of a govt. issued ID ( drivers license or passport ). The hold will not be lifted without it. I have too many automatic payments from this card. Hence I was forced to provide my passport copy. They said it went directly to a US govt. website and that capital one does not have access to the images.. In fact it went to XXXX When asked, they were not able to tell me how my highly sensitive information including my image will be handled and how it will be disposed. In the mean time, I lost my reservation in the airline. when I went back the ticket price jumped {$600.00} for the three tickets. I have over 30 years of credit in this country. Not once did I have to provide a copy of my ID for any transaction. When I did not have to provide my ID image for opening a credit card, why would I need to provide this for a charge verification? I suspect this is some sort of profiling. Hope CFPB can route this to the right channel to investigate. Capital one case # XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed there were hard inquiries that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from XXXX XXXX XXXX, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor Capital One nor XXXX XXXX XXXX I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms XXXX Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} XXXX XXXX XXXX  Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} XXXX XXXX Months Account name :, Account name : # XXXX, These Companies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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.
Product: Credit card or prepaid card

Best Buy closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. I in fact I just recently paid it off. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX XXXX and have been caring for XXXX  in XXXX XXXX due to XXXX. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Best Buy and as I said earlier NEVER late making payments on my Best Buy credit card.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports