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

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS DISCHARGED,  BUT IT IS STILL NOT MINE, ITS REPORTING ON MY EXPERIAN CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : ALLY FINANCIAL # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX  XXXX  # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX AMT. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX FXXXX XXXX XXXX XXXX   XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY REFERENBSSCE # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Vehicle loan or lease

What they provided me years ago consisted changes the amount changes it constantly goes up, never goes down my taxes have been garnished and the amount continues to go up not down ever, they continue to change the time of the debt. There are serval inaccuracies in the lawyers amounts of debt and interest owned, i have Attached a debt validation letter. There are lots inaccurate on their end.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. By the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! EXPERIAN ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.
Product: Credit card

I had fraudulent internet charges on credit card account without even physically having the card for 6 months. I notified company and requested immdeiate dispute and closure of account. Company reversed charges but did not close account. New fraudulent charges ( XXXX $ ) were made on same account I requested closed. Upon receipt of invoice I again disputed fraudulent charges and to again close account. I received new invoice today for over {$200.00} on closed account. Company will not correct their error.
Product: Credit card

I was shopping at Macys and the sales associate asked if I wanted to sign up for a Macys card in order to save 20 % on my purchase. When I asked if the Macys card was a credit card the sales associate said no. After inputing all my information I was informed that I signed up for a credit card. I never wished to open up an additonal line of credit and I never received the 20 % discount that Macys promised would be given, which I insisted on because I did not wish to receive the benefits of having this card.
Product: Money transfer, virtual currency, or money service

Bank set up son 's phone number on XXXX to go to account with XXXX  XXXX XXXX XXXX transaction using XXXX within the well fargo app On statement said it went to XXXX XXXX ( XXXX ) but he never received XX/XX/2022 They have refused to get money back but son was on with wf fraud depth when the set new account ND XXXX transfer Need to get money back as only ha ssa as income
Product: Checking or savings account

On XX/XX/year>, payment in the form of a check # XXXX was submitted to XXXX XXXX to pay on account in the amount of {$74.00}. XXXX XXXX converted the check to an electronic payment and deducted from account. The transaction is listed on the bank account. 

On XX/XX/year>, a second payment, referencing the same check # XXXX was deducted from account. The transaction is listed on the bank account. 

A call was made to XXXX XXXX about the double payment. They declared only one payment of {$74.00} was posted.

An inquiry to the Huntington Bank created a case file, but the bank did not acknowledge the double transaction and they closed the case before receiving the evidence of the double payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my XXXX  Credit Report as well as my Equifax Credit Report due to being established through identity theft. This account who should have blocked upon XXXX  and Equifax receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX which is now reappearing on my XXXX and Equifax Credit Report. Both XXXX and Equifax are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report
Product: Vehicle loan or lease

XXXX XXXX I have paid my payments XXXX days early. Instead of being charged less interest I am being charged more. On numerous occasions I have inquired about my payments not being applied on the date I pay. GLS has been charging me enormous amounts of interest that are not consistent with me paying early. XXXX payment included XXXX. They took have of the money {$500.00} plu and applied it toward interest. 
This practice is causing my balance to decrease VERY slowly. 
Of the $ XXXX that I have currently paid, less than {$2200.00} has been applied to my vehicle. This practice appears to be purposeful. And it equates to more than 17 % interest per month.
Product: Debt collection

recently obtain a copy of my credit report and you are currently reporting debit to my credit report in also allowed under the fair debit collection practices act I am requesting that you allow me to validate the alleged debit please provide me with a breakdown of all the charges, dates of service and procedures give me including fees associated with the debit. 


Additionally, I am allowed under the HIPPA law ( health insurance portability and accountability act of 1996 ), to protect my privacy and medical records from third parties. Im do not recall giving permission for ( ELEVATE RECO/XXXX XXXX XXXX ) to release my medical information to a third-party I am aware that Hippa does not allow for limited information about me but anything more is to only be revealed with the patients authorization therefore my request is to unfold as follows. 


-Validation of debit and HIPAA authorization -please provide a breakdown of fees including any collections costs and medical charges. 
-provide a copy of my signature with the provider of service to release my medical information to you. 
-requesting purchase argeement between the original creditor. 
-Cease any credit bureau reporting until debit has been validated by me.

-revoking all rights of communicating with you through email, text, calls.

My consumer laws were also vaildate Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Please send this information to my mailing address listed above and except this letter as my formal debit validation request, which Im allowed under the FDCPA. Please note that withholding the information you received from any medical provider in a attempt to be HIPPA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request for documentation of what you received from the provider of service in connection with the alleged debt Additionally and reporting of this debit to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act which can allow me to seek damages from your collection agency I will await your reply with the above requested proof per the standards you have 30 days in ways to respond to the request or this debt will be considered invalid and removed from the credit bureaus expected or damages will be sought after.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX XXXX  Account # : XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX Account # : XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Name : XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX XXXX Has violated my rights I looked at my Equifax report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

My prepaid skylight one card was stolen on XX/X/17. Using my card from {$1100.00} down to roughly {$100.00} using all signature purchases. I filed a dispute and they are refusing to give me my hard earn money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX @ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Violation of Fair Credit Reporting Act by Equifax Dear Sir/Madam, I am writing to formally express my concerns regarding Equifax 's apparent violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B , which outlines the permissible purposes of consumer reports.

The law clearly states that any consumer reporting agency may furnish a consumer report only under specific circumstances. According to 15 USC 1681B ( 2 ), a consumer report may be provided in accordance with the written instructions of the consumer to whom it relates.

Moreover, the FCRA under 15 USC 1681a ( 2 ) ( A ) ( I ) specifies exclusions from a consumer credit report. This section indicates that a " consumer report '' does not include any report containing information solely related to transactions or experiences between the consumer and the person making the report, I am the consumer provided that it complies with section 1681s-3.I am the consumer making the payments, and the person making the report is the data furnisher. This means there can not be any late payments, because late payments are Transaction 's being reported on my credit report by the data furnisher about me. That is an exclusion to what can be contained in a credit report Given these regulations Equifax has not adhered to the legal requirements set forth in the FCRA. I request that the Consumer Financial Protection Bureau investigate this matter to ensure compliance and protect consumer rights and have XXXX XXXX XXXX  XXXX removed from my report. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting

An open collections account is listed on my Equifax credit report ( Listed as a number XXXX - XXXX XXXX XXXX XXXX ), but this account was paid in full ( {$140.00} ) to the original creditor, XXXX XXXX and XXXX - XXXX ( see attached bank statement section. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX  acct XXXX XXXX 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 instruction.
Product: Debt collection

On XX/XX/2020, I talked to XXXX  XXXX ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for XXXX ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.
Product: Consumer Loan

I was exploring cheaper auto loans. I found that I qualified for a 4.5 % auto loan through XXXX XXXX. So I refinanced my car loan which I had with Chase Bank for 7.58 %. XXXX XXXX paid off my account with Chase Bank on XXXX/XXXX/XXXX. Chase Bank then closed my account on XXXX/XXXX/XXXX. I had previously set up an online payment to Chase Bank for {$330.00} from my local bank ( XXXX Bank ). The payment was sent electronically. When I checked the auto loan account at Chase, I found it was closed. So I went to the local Chase bank inquiring why my online payment had not been sent back to XXXX Bank. The officer told me that it would take XXXX10 business days for the money to be sent back to XXXX. XXXX to 10 business days later ( XXXX XXXX ) I called and was told that the payment would be mailed back to me instead of being returned electronically. This would take another XXXX7 business days before I would receive it in the mail. The representative told me that the checks had been mailed out on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I called Chase back and was told that my online payment should have been returned to my Lakeside account. As of today, Chase does not know where this payment is. I have been in constant contact with my local bank, Lakeside, and they have not seen the return of this online payment. The representative from Chase also told me that the inquiry of this online payment would be completed by XXXX XXXX. I asked him what did he mean by that. He said that the investigation into my missing money would be completed by XXXX XXXX. I asked him how was I supposed to make my XXXX XXXX car note to XXXX XXXX without the {$330.00}. I live off of social security and do not have resources to cover this note.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has continued to knowingly and willing discriminate against me and has committed fraud and identity theft of my personal information without my consent. As referenced in ( 7 ) previous complaints to CFPB XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX EXPERIAN has continued to place innacurate information on a third party report without my consent which is a direct violation of 15 USC 1681. They have ignored every attempt to rectify the situation and to provide as per my rights detailed information as to where and who they have verified the information contained in their illegal reporting. The experiences contained in their fraudulent report are inaccurate and without consent of myself, the consumer. I have filed an identity theft report to which they completely ignored as well as the several cease & desists they have also been sent via certified mail on numerous occasions since 2019. EXPERIAN has breached my personal information several times and I have had to freeze my reports and have suffered tremendous loss because of their contined fraud. The defamation of character their false reporting has caused has had an indefinite inmpact on me and my ability to conduct commerce. I never instructed EXPERIAN to to furnish this report and never consented to it in the first place.
Product: Student loan

I run a small social service company and for about two years I have been told I qualified for XXXX towards my student loans. This year I was told I did n't qualify because we are not Non-profit. We service the states XXXX department, and local tribes and families that have children with XXXX and severe XXXX XXXX. I do n't understand why all of a sudden we do n't qualify. The description says non-profit or social service. 
This is also bothersome because my workers that have student loans start to think about leaving because their loans do n't qualify as well and leaves a small agency like mines struggling for qualified workers. I have contacted XXXX numerous times and they are of no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account fraudulently opened under my name, XXXX XXXX I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved. I have hired legal counselor and this is my last anf final attempt to resolve this issue before i file a lawsuit to all parties involved for tarnishing my good name and damaging my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Virginia, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX I, XXXX XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The following items are fraud and is identity theft Party Owed : XXXX XXXX XXXX XXXX : {$11000.00} Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : {$120.00} Party Owed : XXXX XXXX Amount : {$530.00} Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : {$240.00} I am disputing this claim due to : I have no knowledge of this account i am requesting it to be removed immediately This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Checking or savings account

On XX/XX/2018 Citizens Bank cashed a fraudulent check in the amount of {$4200.00}.

To date they have refused to reimburse me my money, even though it was clearly their error in cashing a clearly fraudulent check.

You sent me an e-mail stating the case was closed because company responded.

Citizens Bank has not responded and I do not have my money back.

This has gone on long enough.

Please investigate further. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them from my account.