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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2700.00}
Product: Debt collection

A previous complaint was filed. They ignored the requested information in said complaint. I received a letter from XXXX XXXX, V.P. of operations who seemed overly interested in a bankruptcy instead of providing the due information under the FCRA & FDCPA. 
I am formally requesting that you validate all tradeline notations you have submitted by FABCO. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully requested be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please also provide proof FABCO is legally allow to collect and licensed outside the state of Ohio. 

Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.
Product: Credit reporting or other personal consumer reports

I have obtain a copy of my credit report and the information contain on the report have major inaccuracies. I am demanding that you correct them immediately on my credit file. The following accounts/ items has been reported as late payments and according to FEDERAL LAW 15 USC 1681 ( A ) ( 2 ) ( I ) ( I ) ( A ) ( I ) States that information regarding transaction is not to be included on such CONSUMER REPORT.. Therefore you are in VIOLATION OF THE FEDERAL REPORTING ACT by reporting such transactions..

Please update my file to current never late. Please update my file within 5 days of receipt of this Correspondence or I will be seeking monetar
y relief for actual damages for WILLFUL NONCOMPLIANCE Accordance to the 15 USC 1681 ( N ) OF THE FCRA I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt.nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

This is from Cheveron Visa. I do n't owe them anything.
Product: Consumer Loan

I have fallen behind in my payments to XXXX, and they keep calling my work. I have called and demanded they stop calling my work as it has caused me great embarrassment with my staff as the fact that I have a loan has been disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an unauthorized hard inquiry on my credit report with XXXX. I contacted them and are investigating. Someone opened an account with my name. I did not. It was an inquiry for credit dated between XX/XX/2019 and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already summit a complain because i paid off my credit card with Bank of America, some one contacted me and told me that i have to paid now the interest rate for XXXX moth i did when on the app show to me other amount and i paid on XXXX, i want a certification from Bank of America that said that i paid off my credit card and no more extra charges, also i want to report that to XXXX and XXXX Credit Card Number XXXX
Product: Debt collection

I do not owe this debt. I contacted this XXXX months ago to dispute the charges because they falsely agreed to accept my insurance, they then contacted my attorney trying to get us to sign a form to agree to pay any amount they charged which would then be paid if I ever received a settlement for the injury. In addition, I was grossly misdiagnosed as having a severe medical issue when in fact I did not. This XXXX  was completely unethical. I disputed the charges with the office and they then turned them over to a collection agency. Capital Accounts began calling me on XX/XX/XXXX. I explained the situation to them on the first call and asked them not to contact me again and to turn into my credit where I would dispute it. I received calls again on XX/XX/XXXX and XX/XX/XXXX and both times a male collector rudely yelled at me on the phone telling me I had to pay it and threatening to turn it in on my credit. I told them by law they were not to harass me ever again and I wanted no further contact. They continue to call each day.
Product: Debt collection

I don't owe anything to JJ MARSHALL with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXXXXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) XXXX XXXX XXXX for my disclosure report and score. The CFPB 2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is in regard to Experian Credit Reporting Agency. 

Credit report # XXXX. 

Experian has continuously and currently been reporting an account that is a result of identity theft, within my credit file. The info is with XXXX XXXX/XX/XX/XXXX. I had filed a police report, I filed an FTC identity theft report, and yet they ( Experian ) have both kept and maintained this information within my report. Several times I asked Experian to remove the account and to verify who opened the account with XXXX XXXX, and to no avail. 

Ive also reached out to XXXX XXXX XXXX. They requested for me to asked me to submit my police report, which I did. Yet the account is still within my credit file at Experian. 

I currently work as XXXX XXXX  in XXXX. So daily I have to restrict my commute by using XXXX/XXXX services due to the exposure of the Coronavirus on public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan. And because of this identity theft account with XXXX XXXX XXXX. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.
Product: Consumer Loan

We had a loan with  TD Auto Finance  on our   XXXX   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   we purchased a new home. Part of that purchase required us to pay off our car loan with  TD Auto Finance. A  cashiers check in the amount of {&gt;= $1,000,000} was sent on   XXXX   and the vehicle was paid in full.   At the same time we were negotiating a settlement with   XXXX   XXXX   XXXX   XXXX   on the  XXXX   XXXX   XXXX   XXXX . We had a claim in progress at the time of paying the car off. The appointment to present the car was on   XXXX   XXXX   XXXX  . We took the car and title to the appointment.  XXXX  paid us a total of {$28000.00}. {$14000.00} was paid to us and {$13000.00} was paid to  TD Auto Finance.     TD Auto Finance  received that payment on   XXXX   XXXX   XXXX  . First we were told that the funds had to be held 21 days and they would then be mailed to us. We called in 21 days and the story changed to 31 days, then to 45 days. To make a long story short their story changed every time we called them. These funds are court settlement funds and should have been forwarded to us, instead  TD Auto Finance  cashed our check and they have held the funds every since. Today is   XXXX   XXXX   XXXX  .    TD Auto Finance  states that on   XXXX   XXXX   XXXX   they returned the funds to   XXXX   XXXX   XXXX   XXXX   by regular mail. We have been in weekly contact with  XXXX   XXXX   XXXX   XXXX  and to date the check has not been received. We calle d TD Auto Finance    XXXX   XXXX   XXXX   and the check has not been cashed. We are getting no response from either  TD Auto Finance  nor  XXXX   XXXX   XXXX   XXXX  and our court settlement payment of {$13000.00} has not been received.  TD Auto Finance  has held our funds  hostage  since   XXXX   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries from XXXX XXXX, OneMain, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Product: Credit card or prepaid card

On the week ending XX/XX/2023 I was pre approved for an Avant credit card. They had to verify my email address as part of the approval, I never received their email. I called the XXXX cust. service MULTIPLE times, and they kept saying " it's your computer ''. No it isnt!! I am receiving emails just FINE!! One of them said that they had an old email address of mine that has been gone for at least 5 years now!! I told them that their " I T '' dept is negligent in not changing me email address to the new one. It keeps defaulting back to the old email and that is why I can not receive an email from them!! Those " kids '' have no clue at all about how computers work!! 

I only have so much time to finish the application process, but they do not know what they are doing at all!! 
And they said MULTIPLE times that they escalated this issue to their supposed corporate office and they would call me, THEY NEVER CALLED ME! They should have had someone from there for me to speak to when I called.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/year>, my cellphone was stolen in XXXX, XXXX. Before I could suspend my phone line, the thief accessed my email and obtained sensitive information. I immediately filed a police report in XXXX and submitted an online complaint with XXXX regarding unauthorized transactions from my Bank of America account. 

Upon returning to the U.S., I discovered that the thief had hacked into my BofA account and initiated a fraudulent XXXX transfer of {$1600.00} to a recipient named XXXX XXXX XXXX on the same night my phone was stolen. Additionally, the thief had set up recurring monthly transfers, which I promptly canceled. 

I reported the fraud to Bank of America and provided the XXXX report as evidence. However, they denied my claim, stating their investigation found that the transaction was made from a device " consistent with previous valid account activity. '' This reasoning is deeply flawedthe thief used my stolen phone to mimic legitimate access. It is unacceptable that Bank of America is effectively protecting a criminal who exploited my stolen device to commit fraud.
Product: Mortgage

My partner and I were at the closing for the purchase of our house using Lennar Mortgage, LLCXXXX # XXXX as our lender. 

That day we were sent a set of documents to sign. XXXX of those forms was a " Consent to share Tax Return and related information. '' I read the document and objected that it was too open ended for sharing of my tax return data to both the Loan officer and Title closing agent. I noted my return contains Bank information, Address information, employment information, and SSN. All of which are very useful to execute identify theft. 

I specifically objected to the ability of my tax return information to be used for " marketing '' purposes, or to " provide an offer ''. 

I also objected to the loose definition of " lender '' to include : The Lenders affiliates, The Lenders agents, The Lenders service providers, Any aforementioned parties successors and assigns, And objected to the loose definition of " Other Loan participants '' to include : Potential owners of a loan, Acquireers of any beneficial or other interest in the loan, any mortgage insurer, any mortgage guarantor, any servicers or service providers, for these parties and any of aforementioned parties successors and assigns. 

The loan officer and title closing agent both understood my objections and agreed that tax return information should be treated very carefully. The loan officer escalated to her boss, who replied " A XXXX people have complained about this form. But Legal will not allow it to be changed. '' So I was given the choice to sign the form, or not close on the house with Lennar Mortgage. 

Since I would incur negative financial impacts if I were to attempt to delay the closing of the loan, and choose a different lender- I chose to sign the form. 

But my gut tells me this tax consent form is wrong and overreaching. And could legally allow a wide range of interested parties to use my tax information for almost any purpose. Hence I decided to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked XXXX  to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX XXXX nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX and XXXX XXXX XXXX XXXX NC XXXX.
Product: Credit card or prepaid card

GOOD AFTERNOON MY BRIEF CASE WAS STOLEN FROM MY CAR IN XX/XX/2018 IT DID CONTAIN : PERSONAL DOCUMENTS AND CREDIT AND DEBIT CARDS. 
I WASN'T IMMEDIATELY SURE WHICH CREDIT CARDS WERE AFFECTED BUT I FILLED A POLICE REPORT CASE XXXX ON XXXX CARDS THAT WAS AFFECTED XXXX XXXX, XXXX, XXXX XXXX, BBVA COMPASS I CONTACTED ALL COMPANIES AND THEY ALL CANCELLED THE CREDIT CARDS AND STARTED THEIR INVESTIGATION AND GOT THE INFORMATION NEEDED AND SEND ME LETTERS THAT SHOWS CREDIT ALL THE FRAUDULENT CHARGES, ALL EXCEPT BBVA COMPASS WHICH HAS BEEN GIVING ME THE RUN AROUND. COMPASS BANK XXXX XXXX XXXX XXXX AL XXXX XXXX AFTER I RECEIVED THE STATEMENT I CALLED THEM AND EXPLAIN WHAT HAPPENED THEY CANCEL THE CREDIT CARD AND STARTED AN INVESTIGATION THEY TOOK THE INFORMATION AND THE POLICE REPORT CASE NUMBER OVER THE PHONE THEN IN AN ANOTHER CALL THEY REQUESTED TO GO TO A BRANCH FOR IDENTITY PURPOSE WHICH I WENT TO THE BRANCH IN XXXX XXXX ON XXXX XXXX AND GAVE THEM MY ID AND THE CASE NUMBER AND THEY TOOK COPIES. THEN I RECEIVED ANOTHER STATEMENT FROM BBVA WITH THE AMOUNT OWED ADDING LATE FEES AND FINANCE CHARGE AND OVER LIMIT CHARGES ( I USED THE CARD ONLY ONE TIME A YEAR BEFORE PAID IT NEVER USED IT AGAIN ) I CALLED AGAIN THE ANSWER DO NOT WORRY WILL TAKE CARE OF IT. 
NEXT MONTH SAME THING FOR XXXX XXXX XXXX XXXX IN XXXX I ASKED CAN THEY SENT ME A FAX AN EMAIL CONFIRMING THE FRAUD CHARGES WILL BE REMOVED THE GENTLEMAN ON THE PHONE ASSURED ME IT WILL BE REMOVED AND I WILL NOT RECEIVE ANOTHER STATEMENT. 
IN XX/XX/2018 I RECEIVED ANOTHER STATEMENT I CALLED AGAIN THIS TIME A LADY ANSWERED AND GAVE ME A CASE NUMBER BECAUSE I DON'T HAVE A CARD NUMBER OR CASE THEY USUALLY CALL CUSTOMER SERVICE AND KEEP TRANSFERRING ME TILL SOMEONE KNOWS ABOUT MY INFORMATION. 
THIS WAS A LINE OF CREDIT ACCOUNT AND IT WAS PAID OFF CASE NUMBER XXXX THE LADY ON THE PHONE CHECKED WITH A SUPERVISOR AND TOLD ME THAT MY FRAUD CASE WAS REJECTED BECAUSE I DIDN'T REPORT THE CARD STOLEN WITH IN THREE DAYS AND I AM RESPONSIBLE FOR ALL CHARGES. THEN I GET A CALL FROM COLLECTION AGENT THREE DAYS AGO. 
I EXPLAIN EVERY THING AGAIN AND SHE SAID SHE WILL LET THEM KNOW AND GET BACK WITH. I NEVER RECEIVED ANYTHING FROM BBVA COMPASS EXCEPT PHONE CALLS TRYING TO COLLECT AND NOW COLLECTIONS AGENT? 
I WILL ONLY ATTACHE A COPY OF POLICE REPORT ANY THING ELSE NEEDED PLEASE ADVICE. 
THANK YOU
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report. The account in question is XXXX from XXXX  XXXX, and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my XXXX XXXX, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.
Product: Debt collection

NATIONAL CREDIT SYSTEMS ( Original creditor ) is what is listed on my credit report with a balance due of {$13000.00}. I was unaware that from my previous complaint submitted with CFPB, they sent in the ( lease ) that does NOT show any proof that I owe that company. They also sent in a document with fraudulent charges that were typed probably from the comfort of their home. WHERE are the documents? anyone can send in an itemized list. WHERE IS THE PROOF bc those are fraudulent charges? Texas Rents were responsible for those rents being paid. That was a government fund for those unable to pay due to the XXXX pandemic. this mess has been sitting on my credit and it should not be. 

Could you please have these fraudulent charges struck from my credit report. 

Thank you in advance XXXX XXXX
Product: Bank account or service

I received a e-mail form XXXX XXXX about a Pre-Approved loan for debt consolidation. This e-mail was sign by XXXX XXXX XXXX Loan Officer. The scam or fraud was to get money out of my account or the bank using bad checks. Union Bank XXXX Fraud Management did a XXXX investigation for the bank and fixed the blame on me but the checks went through the bank and they did not put a hold on them plus the bank do not have a system to check for a bad check. The scam was to put checks into my account and for me to return there money through XXXX. The bank close my accounts and I could not pay my bills for the month XX/XX/XXXX. I am sending you all of the information for this case so you can see if you can do anything for me. Union Bank still want me to pay {$2000.00} for XXXX checks.
Product: Mortgage

On XX/XX/XXXX My wife and I requested a prequal letter from US Bank to purchase a home. On XXXX the Loan Originator issued and forwarded us a prequal letter with an interest rate of 3.205 %, everything was going good at this point and we looked for homes. On XX/XX/XXXX the Loan Originator sent me an email to see how the home search was going. On XX/XX/XXXX I responded to Loan Originators email indicating that the resort like retirement communities we were interested in purchasing at did not use a conventional loan for the purchase as there is a land lease agreement. On XX/XX/XXXX the Loan Originator responded indicating that they could do lease hold properties. On XX/XX/XXXX I responded to the Loan Processor that we were looking at a manufactured home in XXXX XXXX XXXX, and that the land lease was {$720.00} per month. On XX/XX/XXXX the Loan Originator requested the address of the property. On XX/XX/XXXX the Loan Originator sent us a prequal letter. On XXXX we made an offer on the property at XXXX XXXX XXXX. On XXXX the Loan Originator send an email indication that the property that we made the offer on was not eligible for financing. On XX/XX/XXXX I contacted the Loan Originators manager, she admitted that there was a mistake made on their end by the Loan processor, but, there was no process within US Bank that she could use to remedy the situation. So now, we are in a contract to purchase the home and the best finance rate we can find is 5.5 % and the monthly payment is too high, as I am XXXX and am on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

The sales clerk informed me that a solf inquiry was to be pulled on my credit report to see my score, but it ended up being a hard inquiry not only by the dealership but multiple underhand " banks. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the three credit bureaus. 

The accounts are : XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are also reporting different dates and different balances. S

ome are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.