23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 Days late as of XX/XX/XXXX I am  not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION, XXXX, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX  {$8300.00} ; XXXX XXXX XXXX XXXX  : {$5200.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT ADJUST. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
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 XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I opened support request XXXX online through the PenFed website, requesting their help transferring my member savings account into one controlled by my newly created living revocable trust ( as of Friday XX/XX/year> ). I received a response back from PenFed on Saturday XX/XX/XXXX that my provided Certificate of Trust was not the only required document, and I was sent a email referencing my newly created my specialized trust case ID XXXX on Tuesday XX/XX/XXXX. Therefore, I completed the PenFed requirement and re-submitted both documents on XX/XX/XXXX. However, inexplicably, I received an email this morning ( Thursday, XX/XX/XXXX ) stating that my specialized trust case ID XXXX has expired and will need to start over again. I refuse to re-submit the same paperwork a second time. PenFed must re-open this case and provide a formal root cause analysis as to how this process went so badly sideways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not do an investigation at all ... ... XXXXTransUnion has repeatedly violated my rights .... FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS .... CFPB Complaint # XXXX & XXXX & XXXX Next step is hiring a lawyer My initial dispute was dated XX/XX/XXXX was a inquiry dispute! Disputing fraudulent inquiries in my name. -TransUnion REFUSED to do an INVESTIGATION which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed complaints with the CFPB ... ... TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4. The following inquiries are unauthorized and not initiated by me : Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : The XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX I started the inquiry process in XXXX of XXXX it is now almost XXXX of XXXX and they never started the investigation ... 

They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Debt collection

Healthcare Receivables Group constantly harrasses me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. Healthcare Recievables Group is currently SUSPENDED in North Carolina with the Secretary of State and accounts listed on my credit report in the amounts of {$1400.00}, {$730.00}, {$310.00} and {$60.00} should therefore be removed from all credit bureau agencies immediately due to the non active status.
Product: Mortgage

Hello, I was offered a temporary/trial modification with my current mortgage company on XX/XX/2024. I received a letter in their portal congratulating me.Letting me know all they needed to do was reach out to them and verbally let them know I accepted it, and make a XXXX, XXXX and XXXX payment and there were no other conditions on the letter. Once I made all three payments, I would be put into a permanent modification. 
On XX/XX/2024 I received another letter in the portal asking for additional documentation. I reached out to loss mitigation and was told to ignore the letter from the XXXX. It mustve been sent out by mistake because my trial/modification was already approved on the XXXX. I asked the loss mitigation team member to please reach out to the underwriter and then confirm and call me back, I never heard back from that team member. Assuming everything was fine I sent out the payment in the middle of XXXX and then we started receiving automated phone calls, letting me know to reach out to lost mitigation because other items were needed. every time I would reach out, XXXX times total, I was told the same thing nothing is needed. Then I received a live call on XXXX XXXX letting me know if I did not upload those documents or send them via email. They would cancel my modification and I have until the XXXX to send them out, which is also stated in the letter that I received on XX/XX/XXXX stating it is due on the XXXX but I was told to ignore it multiple times. So I proceeded to email the documents and I have receipts showing they were received on XXXX XXXX and then on XXXX XXXX, I went ahead and upload them into the portal knowing that I had until XX/XX/XXXX for documents to be received. Today I reached out to confirm they had received them and was told sorry we canceled your temporary trial.. They also they also confirmed they received my {$5000.00} check and would not be applying it to the XXXX payment. Instead they would apply it to other fees and past due item. I was clearly excepted for the trial. With no conditions on XXXX XXXX. See attached Sorry, talk text
Product: Checking or savings account

A fraudulent checking account has been opened in my name and was used to take a loan out from a XXXXXXXX loan company that I had a previous relationship with. I talked with Wells Fargo, with whom the account was started, and they have begun an investigation and said I did my due diligence.
Product: Debt collection

About XXXX recieved invoice from previous apartment. Allegedly I damaged Dirty appliances and Carpet stains. present photos to many people at the management office. Corporate office even their attorney. XXXX at XXXX at XXXX refused to remove the charges staring the Carpet photo is unclear although the appliances and entire apartment was cleaned for immediate turn over. This apartment also charge you for a year lease but make you move out XXXX days before your lease is over.stating a 360 day lease. So they have money for XXXX days that belong to every tenant. But keep charging us/me this facetious fee. I want to Sue them and need help. Need the FCRA codes for these offenses being I contacted the. And Genesis Credit Management LLC who placed this on my credit affer I disputed it and also provided them with photos Icollection agency/XXXX XXXX in XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have been trying for months now I am ready to take them to court. Asking for your help again first.
Product: Credit reporting or other personal consumer reports

This account shows late payments according to your account statement XXXX, however, the month of XX/XX/year> does not show balance, scheduled payment and amount paid and is ok. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a delete inaccurate of the following account : XXXX XXXX XXXX XXXX number XXXX ( CLOSED ACCOUNT )
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has uploaded information for a dispute. This is more information, exhibits, and my identification.
Product: Checking or savings account

I received an email XX/XX/XXXX stating that all of my account contact information had been changed, including my email address to login. This account contains my checking, savings, brokerage account and home loan. I immediately began trying to recover my account and was able to do so using my SSN and the 2 factor authentication I had set up. I changed all of my information back and verified I had XXXX enabled. 

I went to a local Wells Fargo branch to find out how and why my account was being accessed and my information being changed. I was informed that someone had been given Power of Attorney over my account. This person did not have to provide any proof or identification. The Wells Fargo employee told me they couldn't give me any information because it happened at another branch and all I could do was sit there for an hour and fill out forms to rectify the situation. Someone was able to walk into Wells Fargo with a form and walk out with control of my accounts totalling almost {$200000.00}.
Product: Credit reporting or other personal consumer reports

XXXX shared my personal financial information with other companies and credit agencies without offering me the opportunity to opt out, violating both federal ( GLBA ) and state ( NJCFA and NJ Identity Theft Prevention Act ) laws. When I informed XXXX that I did not consent to this, they responded by citing their Privacy Policy. However, I never authorized XXXX to share or sell my personal information. 

Ive requested full details about the account twice, but XXXX only provided a Promissory Note, which shows clear violations of the Truth in Lending Act ( TILA ). Additionally, they have disregarded my request to send all mail to a specific address, continuing to send it to an inconvenient location, which constitutes an invasion of privacy. 

By sharing my personal information without consent, Macys/CBNA is committing identity theft under federal law ( 15 USC 1681a ( q ) ( 3 ) ). The contract is void because it involves identity theft and attempts to extort payments. The Promissory Note also violates TILA, XXXX, and COM. I am seeking damages for XXXX violations of the XXXX, NJ Identity Theft Prevention Act, FCRA, XXXX, UCC, and COM. The contract is invalid, and I demand an immediate resolution to prevent further harm. 

Violations : Gramm-Leach-Bliley Act ( GLBA ) New Jersey Consumer Fraud Act ( NJCFA ) New Jersey Identity Theft Prevention Act Truth in Lending Act ( TILA ) Fair Credit Reporting Act ( FCRA ) Uniform Commercial Code ( UCC ) Contract of Merchants ( COM )
Product: Credit card or prepaid card

My Citi VISA COSTCO card was overcharged for a taxi in XXXX, XXXX  XX/XX/2019. The amount disputed was incorrectly reported to the vendor and should have been {$160.00}. Citi VISA COSTCO will not correct the error because they already reached out to the vendor with the incorrect amount as per Supervisor XXXX. 

The cost of the taxi from XXXX to XXXX should have been XXXX Euro. The taxi drivers colluded in XXXX and added 2 additional parties and charged a total of XXXX Euro or {$500.00} for a 1 hour taxi ride. This was dishonest and fraud. The XXXX   Euro cost of the shared taxi should have been split 3 ways between the 3 parties at {$43.00} Euro or {$48.00} each. When I tried to resolve this with the taxi driver he was nasty and threatened me in front of my family. I had no choice but to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts has violated my rights. 

XXXX hard inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 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

On XX/XX/XXXX my car was overcome by flood water that occurred in XXXX XXXX during the severe rainstorm and ensuing flood level waters that were sustained in the area where I work. The following morning the car would not start. It was towed to XXXX XXXX, where it was determined that the car is a complete loss and it would cost too much to repair vs its value as a XXXX car with very high mileage. My insurance company, XXXX XXXX, informed me that because I did not have Comprehensive coverage, ( optional coverage in the State of Florida ) there was no compensation for the loss. 
For 2 months I have been trying to find anyone at Bridgecrest to provide some informationany assistance at all.in determining how to proceed. As I do not own this car, and I do not hold the title, it has been sitting at XXXX XXXX for 2 months while I try and try and try without success to get some sort of cooperation from your company, which to date is ZERO. I called Bridgecrest immediately after the flood and was told that I am required to continue to pay my monthly installment regardless ( which was not my issue ) or your company will re-possess the car promptly. 
I am paying storage fees for a car that I can not have removed or salvaged because I AM NOT THE OWNER. I CAN NOT PROVIDE THE TITLE. A month ago, I spoke with on of your customer service representatives, who cheerfully volunteered to email me a copy of the title, which never happened. 
I have politely explained all of the above to at least 4 different people, on 3 different occasions via your XXXX. One of the representatives I spoke with knew that the car was destroyed in a flood, I am assuming based on notes, yet Bridgecrest has not reached out to assist in any way, shape or form, except to leave past due voicemails from UNKNOWN phone numbers. I am inundated with past due emails. 
Continuing to call your customer service line is clearly a waste of time and energy and it has caused nothing but continued frustration and aggravation for me. On the various occasions I have called, I am inevitably met with your account is past due and which payment method would you like to use to resolve this? I will not continue to pay Bridgecrest for this car unless there is some sort of resolution for this issue. What do I do with this car? I am not a car dealer or a loan company or an insurance adjuster. The car was destroyed in a flood that I had no control over. I am not authorized to have it disposed of. XXXX XXXX wants the car removed on XX/XX/XXXX. 
It is quite clear that Bridgecrest has no interest in their customers beyond receiving payments. I am a widow whose husband died during XXXX, I work full time to support myself and I have no way of knowing what to do, how to get a salvage title or what on earth to do at this point.