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

I have been a victim of identity theft through XXXX XXXX XXXX in XXXX The latest being the openings of several accounts. The items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several inquiries all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I ask that you recognize that the following accounts are fraudulent as a result of this breach : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance and Huffman LLC. Reported an incorrect Derogatory mark on my Credit Report. Which they claimed that was obtained on XXXX XXXX and the companys name is XXXX XXXX! Vance and Huffman Also claimed in the report that was sent back to me by CFPB that they have never spoken to me before. And they sent out a letter regarding the accounts on XXXX XXXX. To my home address and I have yet to receive anything from a business called Vance and Huffman. Especially if its regarding a loan they are insinuating I owe them or XXXX XXXX, yesterday I reached out to XXXX XXXX  directly and was told by a representative that They dont have any information on file that states I owe them money but Vance and Huffman stated that I should reach out to them to give me more clarification. 
But if theres a loan open Vance and Huffman havent reached out to me? Since they obtained the accounts in XXXX we are in XXXX. They should have all my details to reach out to me and talk to me about the accounts I supposedly open. 

Could it be that they dont have my number? Or they dont have documents of my signature on the loans. But they reported it on my credit report that I XXXX owe them money. But they havent reached out to me. Why is that. Its unprofessional and very unethical to not speak to someone about an account that was open using their information.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Balance : {$220.00} ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXX/XX/XXXXXXXX, XXXX : # XXXX, XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX# XXXX, XXXX & XXXX ( Original Creditor : XXXX # XXXX, has violated my rights. 

I looked at my Experian credit 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 that 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to Bigpictureloans.com after weeks of getting harassing phone calls because my loan payment dates was changed after I signed the contract and agreed to a Settlement of the amount I borrowed ( {$800.00} ), they also agreed. 
I agreed to pay {$400.00} on XX/XX/XXXX and {$400.00} on XX/XX/XXXX in which I did and did not miss a single payment. After that I get a letter saying that I still owe {$310.00}. I called and talked with a representative that was unfriendly and didn't want to hear anything I had to say and kept saying that it was not a settlement but just an agreement that I went online and set up myself and it was just a payment plan. I asked to speak to a supervisor but the same lady I was talking to put me on hold then pretended like she was the supervisor so I knew something was wrong so I ended the call. I sent an e-mail to XXXX on XX/XX/XXXX and told them what happened and provided a copy of the paperwork that says Payment Settlement Plan and the support team said the same thing.I did some research and found out they are not licensed to buisness in the State of Washington in which I reside.In the e-mail they want me to agree to a Settlement Plan to pay the interest " We have processed those payments, but the remaining {$310.00} is still outstanding. In an effort to help you in this time of need, we will agree to settle your account for the amount and payment schedule below. 
This will prevent your loan from accruing additional interest..Settlement Offer-Number of settlement payments : 2-Settlement Payment Schedule : Date Payment Amt XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Payment Type : ACH Isn't that ironic, they didn't honor the 1st Settlement now they are trying to offer me another one for the Interest that I supposedly owe.
Product: Credit reporting or other personal consumer reports

My consumer report is showing an account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX that has a {$0.00} balance but is still being reported to XXXX and Equifax but XXXX understanding the importance of this matter has removed this account. I would like this account removed immediately. Pursuant to 15 USC 1681, Section 602, I have a right to privacy regarding my financial information. Additionally, under 15 USC 1681b ( 604 ) ( a ) ( 2 ), my consumer report should only include information that is necessary and relevant for the purpose for which it was obtained.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$25000.00} account # XXXX 30 days late in XX/XX/2021, and XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I recently obtain a copy of credit report an noticed that I have some hard inquiries that I did not authorize. 


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

I did not authorize the creation of these inquiries, and I am certain they are identity theft. I request that you investigate the matter and expunge them from my credit report. I have furnished supporting evidence to corroborate my claims.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name has violated my rights. 

I looked at my credit report 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that 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 reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft request removal and deletion of the listed accounts on my XXXX, XXXX, and Equifax credit report.XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX XXXX ACCOUNT XXXX Opened : XX/XX/XXXX. XXXX XXXX, ACCOUNT NUMBER : XXXX, Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a first certified letter to Transunion requesting to investigate some accounts which appeared incorrectly in my report. The letter was received on XX/XX/2020. More than 45 days passed and I sent a second certified letter on XX/XX/2020 which was received on XX/XX/2020 requesting that according the Fair Credit Reporting Act which requires the correctness of the information, to remove the information requested. As of today and despite of giving them a deadline of five ( 5 ) business day to respond to my letter, I have not received a response and confirmation that the accounts has been removed. I demand that they remove the accounts requested as they failed to validate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX late payment on my student loans, which are serviced by XXXX. My loans were placed on hold during the XXXX pandemic, and under extended deferment policies issued by the federal government, I was under the impression that my payments remained paused due to financial hardship. Despite this, XXXX has reported to the credit bureaus that my loans are XXXX  days late. However, a review of my XXXX XXXX XXXX does not reflect any late paymentsonly the XXXX XXXX XXXX contains this information. This discrepancy suggests that XXXX XXXX be violating the Fair Credit Reporting Act ( FCRA ) by failing to ensure accurate reporting. Additionally, I was never notified via phone, email, or mail that my deferment had ended and that loan payments would resume. Due to the lack of communication, I was unaware that a payment was required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an FHA mortgage with NFCU since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and Covid-19. I am XXXX and am required to XXXX  but have just become XXXX  for XXXX so this makes this all even more difficult to handle. 
I just found out that my XXXX  credit score dropped AGAIN, this time by 16 points because Navy Federal Credit union keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES Act. I have tried to resolve this with NFCU in the past and today while attempting to log into my mortgage online through Navy Federal 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.
Product: Debt collection

Received a letter stating I owe over XXXX $ to a complex. Its not true. The debt is not mines. I asked for proof and they sent some back office document that doesnt prove anything. I am in the mist of purchasing a home and can not have this debt put on my credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still reporting error of consumer identity theft. Agency reporting incorrect address, unauthorized inquires not signed authentically by consumer which needs to be deleted. Correct Address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. All the other addresses are incorrect. I did not provide written permission or instruction for identity transactions to be reported on my consumer report. 
I am requesting that this information be Blocked & Deleted. The reporting information of identity transactions are not my information related to any transaction by me as the consumer. ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the end of XX/XX/XXXXI pulled my credit report and noticed that Santander Bank is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from Santander that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with Santander Bank which was paid in full XX/XX/XXXX, Santander is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on Santander letterhead ) Santander has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of Santander Bank I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against Santander if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX  and XXXX.
Product: Debt collection

Citi credit card debt collectors called my sister, who is not an authorized user in my account, or has anything to do with my debt. They disclosed the amount of debt that I owe and tried to bargain with her by saying that i will be up to date, if I make a certain payment amount. This is a violation of the Fair Debt Collection Practices Act to disclose my debt to an un authorized person. This occurred on Tuesday  XX/XX/2019 at XXXX.
Product: Bank account or service

I am a XXXX who has banked with Bank of America for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to freeze my XXXX child 's credit file with Equifax for months now. Equifax sent all information to a former address ( that the child never lived at as we had moved from that address over a year before he was born ). Upon attempting to get Equifax to update that address, they claimed we needed to provide more information to verify our identities and the child 's identity. This cycle has now happened 4 times over ; we provide to Equifax all they ask for and they return a stock letter claiming more info is needed. We've sent the information they requested by fax and by mail and still they claim more information is needed. 

We have also spoken to Equifax by phone and their employees do not know or understand why we are getting this result but only suggest to " try again '' yet another time. 

Furthermore, we believe Equifax has acted negligently by sending the original notice of freeze ( and presumably PIN number or other identifying/personal information ) to an address that this child never lived at, and we had moved from over a year before he was born. We had promptly updated our address with the XXXX and all banks/credit cards/employers within thirty days of moving, so it was not by any negligence on our part that they had the old address.
Product: Credit card or prepaid card

Comenity Bank had left customers with no way to pay their bills for days. Website is down, and so are the phones. Ive tried calling, trying to login to pay etc, going into the store where we got the card from. 
XX/XX/2022 2022
Product: Checking or savings account

XXXX I received my late husbands insurance check and wanted to purchase a cd and was refused.The banker said I would get information in the mail. 
She did a credit check and I asked her do you do credit checks if I am depositing money she said yes. 
I believe I was discriminated against because I am XXXX. 
I ask another banker and explained to her that I had to get a cashiers check and she said the banker I was working with that the bank does not do credit checks. 
I believe again the banker discriminated against me. 
I had been a customer since 2010. 
I did receive my answer in the mail and it states she did a credit check on me which I explained to her my husband died and my credit went down and I was going to pay all my bills with the money and I did. 
Please help me.
Product: Mortgage

As a resolution I would like to Recoup money that I lost during this deal and to figure out how my privacy being violated and my pain and suffering lossing money on this deal.