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

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
Product: Vehicle loan or lease

Hi, I am desperately looking for help. My car totalled XX/XX/2023. Prior, I made every car payment. My car insurance company promptly sent Kia Finance the payoff and I also have GAP to cover the rest. The customer service at Kia Finance continue to have no record of payment although I have letter of guarantee and receipt of amount paid, my car insurance also tracked the money and can tell me time and date XXXX delivered. For almost 2 months now I have had no car and can not buy new until this is resolved. On top of that, Kia Finance calls about wanting a car payment so, soon my credit will be affected. How is it legal for a company to hold XXXX XXXX and not post it to your account and ruin your credit at the same time. Please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the Equifax breach and I believe this was opened at that time this was not opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that  previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX   all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX
Product: Credit card or prepaid card

Back on XX/XX/XXXX I notified Chevron of fraudulent charges posted to my statement. The representative took the information advised that in 7-10 days the Fraud Department would call us for additional information is necessary. Then it would take from 30-50 days to completely resolve. I had to actually request that the representative cancel the card and issue a new one which was unfortunate since we would be traveling in the next week. I pay off the statement monthly and do not carry a balance. This included the fraudulent charges totaling {$75.00}. I asked about the charges and was advised I'd have to pay or I would accrue interest. I made the complete payment under direst. The new card was received and activated a week later. When activating, I asked about the Fraud Case and was given the same information ; resolution takes between 30-60 days. Calls were placed to Chevron again on XX/XX/XXXX and XX/XX/XXXX as this would be 30 and 60 days after the original claim. No resolution case being researched. On XX/XX/XXXX a call was placed to Chevron once again to follow up. Was advised by a Supervisor that the previous claim, " was not completed '' correctly in their system. She could see all the notes and the original representative would be re-educated to assure this does not happen again in the future. On XX/XX/XXXX the card was put on hold as we were traveling. It took almost 12 hours to receive a text from Chevron Fraud. When we spoke with them we advised that we were indeed traveling and we attempted to use the card, asked about the Fraud Case from XX/XX/XXXX. Once again we were told that there was an error. They could not explain why the case has not yet been reviewed or researched. I asked for a Supervisor or Manager to escalate as we are now at 134 days without any research being performed. The representative ( XXXX ) stated there was no one above her and " she knew how to do her job ''. Feeling that after multiple call and no resolution I was not satisfied and had no faith in their process. Concerned about our account and credit I asked to cancel the card. She proceeded to cancel the card and said there was nothing anyone could do for me and hung up. I immediately called back again to place a complaint on the representative ( XXXX ) as well as the entire process. I asked for the case to be escalated as I understood from the FTC that the creditor must resolve the dispute within two billing cycles ( but not more than 90 days ). Again I was told that it has now been correctly entered and I would hear back from Fraud with in 7-10 days. Nothing additional could be done at this time. I would greatly appreciate your assistance in investigating this matter. I am requesting to have the funds paid to be credited back to my account. This ordeal has caused me unwarranted and unnecessary inconvenience and stress. I thank you in advance for your prompt response and I look forward to hearing from you very soon.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$86.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Incorrect information is showing on my credit report far as my address they have XXXX,XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX. but my address is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX ( OriginalCreditoXXXX : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a collection on my report from Wakefield and assoc.in the amount of XXXX.that has already been paid off.have an email from them that says it's paid.trying to get that collection off my credit report.its on both XXXX  and XXXX.thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Inc is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Equifax received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Equifaxs violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Equifax s first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Equifax who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Equifax s illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Equifax as I continue my private administrative process. I hereby am giving Equifax the chance to resolve all these issues quickly to avoid further legal liability in the near future.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXXXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wouldnt work with me due to me being out on XXXX  leave from work after XXXX 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 XXXX XXXX , XXXX, Account Number : XXXX XXXX Reference ID : 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 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nevada-FID, New Mexico, North Dakota , Oregon , Rhode Island & Wyoming . Which is verified on https : //nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1134094.

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Product: Credit card

first national bank sent me a offer for transfer from a credit card with higher interest to there card. I did, and that made my XXXX near the upper limit, so after I had paid it down {$1000.00} they lowered my credit limit {$1200.00}. That makes it show that I am maintaining a high credit limit. After I paid down another {$800.00} they did it again! They are artificialy making me look high risk. This is, I am told is the most looked at fact when considering credit risk. They soliciated me. How can they get away with this bait and switch tacit?
Product: Student loan

I have a private loan by and through Discover Student Loans which bears a 10.875 % interest rate. My social security number is XXXX and my name is XXXX XXXX XXXXt f/k/a XXXX XXXX XXXX. Over the last 7 years only {$3000.00} has been paid on this loan based on the way this loan is structured. Should you require additional information please contact me at XXXX XXXX
Product: Debt collection

I checked my credit report and I seen this account in collection for {$3200.00} for an old apartment My Ex boyfriend and I had together. When I turned in the keys to the apartment my ex boyfriend made payment arrangements with the office and the total owed was only {$2200.00}. I thought this was taken care of by my ex. I attempted to email the debt collector requesting verification my email was returned and it said it was undelivered and it was the correct email I got off from there website. However I was never contacted by this debt collector I was never given an opportunity to dispute or get verification of debit. I just want to avoid legal action because right on there website it says they will sue anybody if they do n't pay. As a consumer I know I have rights and I feel this debt collector is not following the law.
Product: Credit reporting

The XXXX XXXX XXXX 's Activity Designator Should be " Closed ''. It currently has NA - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate. 

Please delete the comments, and ensure the HIGH CREDIT is reporting correctly.
Product: Credit card

On XX/XX/XXXX Citibank XXXX card services charged my credit card account with {$500.00} balance transfer using a convenient check. I have opened a fraud transaction claim with Citibank best buy credit card section and mailed the requested documents. 

On XX/XX/XXXX they adjusted the {$500.00} charge and the free {$25.00} during the investigation. 
On XX/XX/XXXX Citibank rejected my claim, and in XXXX statement they charged my account {$500.00} twice, making my balance now to {$1000.00}. 

I reopened the claim again and mailed the documents requested by the security team and got the claim rejected second time. 

on XX/XX/XXXX, I filed a case with XXXX XXXX police department reporting the fraudulent transaction ; Case # XXXX I reopened the case third time and I received an acknowledgment on XX/XX/XXXX from Citibank saying they are investigating the issue. On the same day I received another request to send my driving license copy ; this time I both mailed and faxed the documents ( including the police report ). 

In my XX/XX/XXXX statement, my account got adjusted {$500.00} transaction and reversed {$2.00} interest charged. {$500.00} was still pending. 

On XX/XX/XXXX, the investigation concluded in favour of me and I received a letter from from the bank mentioning the same. {$500.00} was still pending. 

I called the security operation and talked to a supervisor ; she checked the whole case and reversed the remaining {$500.00}, {$25.00} balance fee and {$9.00} charged interest. 

I was making {$100.00} payment every month to satisfy more than the minimum payment to avoid credit issues. By the time the case concluded I over paid {$320.00} and same amount was reflected as a negative balance in my account. 

Upon checking my account on XXXX XX/XX/XXXX, I found out that Citibank again put the Initial transaction {$500.00} dated XX/XX/XXXX in my XX/XX/XXXX statement. 

I called the security operations on XXXX XX/XX/XXXX, explained the whole story to another supervisor; got an assurance that it shouldn't have happened ; he will take care of it. 

On Friday XXXX XX/XX/XXXX I checked my account; little to my surprise, Citibank added the second {$500.00} transaction which reversed dated XXXX XXXX XXXXback to my account. 

The bank security operations team is a joke. I have no idea what to do and who to reach out to. Please help. 

I have spend more than enough time on this, I am exhausted mentally. I am afraid that they keep on adding transaction in my account. 

Note : I requested Citibank to put my XXXX credit card on freeze the day I started the fraud claim and never used.
Product: Debt collection

I joined the XXXX XXXX XXXX. When I cancelled my contract with the company due to moving, I had to mail in proof that I moved out or the XXXX mile radius of their corporation. I did so, but almost a year later they contacted me to inform me they would only accept XXXX of my documents even after proof of relocation. I talked to a representative and they stated I would still have to pay the full amount after XXXX of my documents was valid, although their contract stated XXXX of the type of forms that I submitted.
Product: Debt collection

After speaking with Citibank about the credit card that was unknowingly opened by a family member and filing a complaint with the cfpb, they had responded to my complaint stating that they had conducted a investigation. The fraud department states that they had found a joint account with my name associated with it that was making payments. I was unaware of these payment and have now started making two payments because the bank refuses to acknowledge that this card was opened fraudulently. Furthermore, the message that Citi responded back with stated that they would add comments to my credit report which stated that the consumer does not agree with the findings. I have not used this credit card nor did I personally knowingly open this credit card.
Product: Mortgage

Rocket Mortgage LLC has incorrectly included PMI payments on my current mortgage. I initially contacted them by phone on XXXX XXXX. After waiting the till the next months payment. The PMI was deducted again from the escrow account. 

I sent them a letter on XX/XX/XXXX under XXXX XXXX Notice under XXXX C.F.R. XXXX. I have attached it for reference. 

I have yet to receive either notice of receiving my notice of error or a decision from the company.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$30000.00} XXXX # XXXX XX/XX/XXXX -- {$710.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXX XXXX and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX