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

A fraudulent account from THD/CBNA, XXXX CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Product: Credit card or prepaid card

Affidavit of Truth Notice to Navy Federal XXXX, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most High of creation and I depose the following facts, so be it, now present ; 15 us code 1681 says Subject to ( c ), any consumer reporting agency may furnish a consumer report in in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that ( consumer reporting agency ) is in violation of Truth In Lending I was never informed or presented when the rights to cancel expired. 
No Truth In Lending disclosure forms were presented at the time of the consumer credit transaction. 
No Rescission Process during the consumer credit transaction. 

Fact, Affiant is aware and has proof in attachment labelled Exhibit A that ( NAVY FEDERAL 15 U.S. Code 1605 - Determination of finance charge is in violation of ( Truth in Lending Act1, The TILA was first amended in 1970 to prohibit unsolicited credit cards. CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT ( 3 ) Notice of right to cancel. -- Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
" ( 4 ) Rule of construction. -- Closure or cancellation of an account by the obligor shall not constitute a default under ( B ) the creditor has provided the obligor, prior to the commencement of such arrangement, with clear and conspicuous disclosure of the terms of the arrangement FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, so they are civilly liable.
Product: Vehicle loan or lease

We had a XXXX XXXX which in which Wells Fargo was picked by the Lender, it was used. We are XXXX. We had had it for many months when we came out to get in it and the vehicle was gone. We called the police thinking it was stolen and we were told it was repossessed. We ask for what because we had been paying above the monthly amount through our XXXX allotment and had no late fees or slow payment, the payment was automatic, and we were sending {$20.00} over. It was night when the vehicle went missing so the next morning, we contacted Wells Fargo who told us they did not have the information at the time and would get back to us. We waited a day, and no one returned our call so we called them back and each rep. told us they could not tell us anything as they did not have any information yet. We waited another day and when we called back, we were told that there was nothing we could do that the vehicle had been sold at auction. We told them we could send in proof of the military allotment, insurance, registration, but we were told there was nothing Wells Fargo could do as the vehicle had already been sold. We said " In two days ''? We could not believe it and did not believe it. We contacted an Attorney after hanging up but at the time there was {$7000.00} paid out on the loan and we were told the cost to hire him would be about the same as what the vehicle we had paid out. We were also told by the lawyer that he could not get the vehicle back as it was already sold so what would we gain? A year later we saw in a newspaper that Wells Fargo had quite a few complaints against them for doing that to customers. They would give the loans to eligible people then illegally repossess it and sell the vehicle again. There was no class suit just an article, we kept that article for years. A couple of years back it got worse when we got a notice from the IRS stating that Wells Fargo had reinstated the loan and listed it as a loss all these years later, and that we had to pay the difference in the loss. We lost out both times, but there was no way we were going to fight the IRS. Wells Fargo should not be able to get away with this. When it came out a few years ago that they were opening fraudulent accounts we were so happy that people now believed what we had told them so many years ago. Unfortunately, we only saw the opening of fraudulent accounts. This is the first time we have seen a class action lawsuit for unlawful vehicle repossessions we would like our name added to whomever is prosecuting. We are owed not only for the vehicle and what we went through and what we paid out, but also for them reinstating the loss and the IRS coming back at us for even more money a few years ago the total is {$10000.00}. We are told there were others this was done to. Please tell your story here.
Product: Credit reporting or other personal consumer reports

To my complete surprise, I discovered inaccurate accounts on my credit report this morning, and Im at a loss for how it could have happened. I check my credit regularly, and everything was fine until now. I even tried refreshing the browser, hoping it was some sort of error, but that didnt fix it. The inaccuracies remained. I urgently request that the documents Ive sent are closely reviewed so I can finally stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Flagstar Bank and XXXX XXXX. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

to indigate and resolve my issue with these accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the elimnation of the following inquirires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing
Product: Credit reporting

Social Security Payment Center in XXXX " Stalled '' in Paying my Back-Pay in a Regulated ( 90 ) Days of ( 90-90-90 ) Days. Instead of, Returning to College in XXXX, I was Forced in a Late Start at College in XXXX where as, I was Frauded and Scamed of an Apartment that had XXXX. XXXX XXXX as, XXXX XXXX XXXX would not. move my Apartment nor, Break the Lease. My Credit Report reflects Frauding in a # of Accounts attached to National Accounts, Public Records, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as well as, Creditors and their Promotional Loans.
Product: Prepaid card

I was sent ( 2 ) American Express eGift Cards from my employer. Anywhere I have tried to use these online they are declined. I've called in twice to American Express to ask that a check be mailed to me for the balance so that I can use the credit with the merchant of my choice and they have declined telling me to " Try to use it at another merchant ''
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute for late payments on my credit report that should not be there. This was a direct dispute with the 3 major credit buearus, not the creditor itself due to the fact they are the ones who's inserting these incorrect late payments to my report. Letting them report these incorrect late payments violates my rights under the FDCPA
Product: Credit reporting or other personal consumer reports

Equifax has my personal information messed up, incorrect name and Im unable to see my credit file online. When I call they send me to the consumer affairs department where they ask me to submit a name change document and totally disrespect you, they are very unprofessional and Its such a frustrating process. Nothing has been accomplished due to there incompetence.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX Balance : {$82.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year>.
Product: Debt collection

why are my wages still under a garnishment when my debt went into default in XXXX and LVNV funding did not show original signed documents from XXXX..there is no proof of ownership.
Product: Credit reporting or other personal consumer reports

CFPB complaint As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

XXXX XXXX text I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself insert name last XXXX Social Security number is XXXX, XXXX : XX/XX/XXXX Please delete the following accounts. XXXX  balance XXXX, XXXX  balance : XXXX, XXXX  balance : XXXX, XXXX XXXX balance : XXXX, XXXX XXXX XXXX XXXX balance : XXXX
Product: Debt collection

Today at XXXX XXXX, Yesterday at XXXX XXXX, Every day. yet another phone call about a debt collection. The company is XXXX XXXX XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$430.00}
Product: Checking or savings account

A lawsuit alleging fraud against my bank for the owner of a XXXX savings account began on Tuesday, XX/XX/XXXX. Capital One didn't send me an email alerting me to the problem, and they began delaying deposits and payments that day.I have weekly plans and dates scheduled for when I pay my personal bills, and I typically get paid on Thursdays. Check by check is how I live.I 'm only XXXX XXXX XXXX and a full-time XXXX XXXX I work every hour because I need to. I was not informed by Capital One of the situation or the reason I was not paid. To find out if I was the only one experiencing issues with not getting my deposits, I had to search for information on XXXX. discovered that there were other individuals involved and that the bank was being sued for defrauding consumers out of two billion dollars. I eventually received an email from Capital One outlining the problem on Friday, XX/XX/XXXX, in the afternoon. claiming that deposits and payments are being impacted by a system problem. Even though Capital One is a huge company, I think it's quite unprofessional of them to send an email days later just saying theres system problem and thats it. no more explanations and why its happening, and then say that everything should be fine by Thursday night or Friday morning. I have yet to get a deposit or any information from my bank as of this Saturday, XX/XX/XXXX. This is unfair, and I am unable to pay the bills because I have not gotten any paycheck. I intend to file a lawsuit Capital One for providing misleading information and promising that customers should be good by Thursday or Friday am.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX XXXX Balance {$10000.00} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 1681.10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  vears. 15 U.S.C. 1681s-2 ( A1 ) 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 reporting or other personal consumer reports

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, TransUnion, XXXX, and XXXX have failed to address these inaccuracies. These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report there was some of these inquires on XXXX, XXXX and Equifax. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my account and there is unauthorized inquires. I don't recognize the inquires. 

XXXX. ) XXXX XXXX - XXXX # XXXX XXXX. ) XXXX XXXX XXXX S- XXXX # XXXX XXXX. ) XXXX XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Premier- XXXX # XXXX XXXX. ) XXXX XXXX XXXX- XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report as furnished by TransUnion. On XX/XX/XXXX, I contacted TransUnion to dispute certain entries, and to date, I have not received a response. This raises significant concerns, and I am seeking your assistance in resolving this matter promptly. 
The following are the details of the inaccurate information and the required corrections : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Issue : The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Issue : The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Issue : The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Issue : Verify the account. The reported balance is inaccurate, and the account is closed and charged-off. Mark this account as disputed while I resolve my dispute with the creditor. Also, verify the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$450.00} Issue : The account is not mine. Please remove it from my credit report.
Product: Debt collection

In XX/XX/2019, I received several alerts from my credit monitoring services that an account was reported. To my surprise, LVNV was reporting as a open Factoring company showing 90 days past due as well as a collection. I have never received any correspondence or calls in regard to this alleged debt. I have filed complaints with the XXXX and mailed/faxed/attached to XXXX website a Debt Validation letter. I have sent this document 3 times only to receive a letter from Resurgent advising that they are the servicer for LVNV. Also received a bunch of  statements. The letter nor the statements VALIDATED that alleged debt. Who is Resurgent anyway? Why are they collecting for LVNV? The alleged debt was for a credit card that is showing that the debt was sold to XXXX XXXX. Who is XXXX XXXX? Never heard from LVNV, Resurgent or XXXX XXXX and the alleged date was brought in XX/XX/2019, but reported in XX/XX/2019 when I decide to apply for a mortgage to buy a home for myself and kids. And not only are they showing as a factoring company as a tradeline, they are showing as a collection! My credit score plummeted! It seems that they are scamming to collect funds from anyone who will fall victim. These are unlawful practices and I will report this to the FTC and the XXXX ( Again! ). They never validated the alleged debt. I requested this 3 times. They since then closed the tradeline but have yet to remove it from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Reporting Agencies XXXX Trans Union XXXX Today lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/XXXX
Product: Checking or savings account

I had an issue with Bank of America in XXXX to XXXX with the over draft fees, this one The other one they make me lose my home and sold at lost in XXXX I cant get back to my account to get details, cause I want to lawsuit them But of course they wont get me back to it
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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 Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This information does not belong to me and it may be causing me problems. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I AM WRITING A COMPLAINT ABOUT SUNLIGHT FINANCIAL LLC, I TOOK OVER A LOAN FROM PREVIOUS OWNER WHEN I BOUGHT MY HOUSE WITH SOLAR PANELS ALREADY INSTALLED. I HAD PROBLEMS SINCE THE BEGINNING OF THIS LOAN BECAUSE THEY WERE MIXING UP MY INFO WITH THE PREVIOUS OWNER. FOR ALMOST THE FIRST YEAR OF THE LOAN THE COMPANY THAT WAS SERVICING THE LOAN WAS MISAPPLYING MY PAYMENTS AND TELLING ME I DIDNT HAVE THE LOAN THAT IT WAS STILL UNDER OLD OWNER. IT WAS A HASSLE EVERY TIME I CALLED.THEN WHEN SUNLIGHT STARTING SERVICING THEIR OWN LOANS THEY SENT ME A STATEMENT SAYING MY ACCOUNT WAS BEHIND, BUT THE TRANSACTION RECORDS SHOW THAT I HAD A CREDIT OF {$640.00} WHICH WAS PORTED IN ON XX/XX/year>. I HAVE BEEN ASKING IT TO BE FIXED FOR MOTHS WITH DISPUTES TO CREDIT BUREAUS AND THEY HAVE STILL NOT FIXED IT. ( DOCUMENTS ATTACHED ) I WANT MY CREDIT REPORT TO BE CORRECTED, IT SAYS IN XXXX I WAS XXXX  DAYS PAST DUE, THAT IS NOT CORRECT. I CALLED SUNLIGHT THEY AGREED WITH ME, AND THEY SAID THEY WILL OPEN A CASE TO HAVE IT CORRECTED, BUT NEVER DID, THIS IS HURTING MY CREDIT AND CAUSING ME ISSUES WITH OTHER LOANS. I HAVE PAID ON TIME OF PAID IN ADVANCE SEVERAL TIME MY HISTORY SHOULD SHOW THIS ERROR BUT IT IS NOT BEING CORRECTED. PLEASE HELP.