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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXXXXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX XXXX XXXX XXXX  My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX - XX/XX/year> - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. 
DELETE this from my report asap!
Product: Credit reporting or other personal consumer reports

Enclosed Is FTC Identity Theft Affidavit Report Number : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

Hard Inquiry Deletion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??
Product: Debt collection

On XX/XX/XXXX. I checked my credit report and saw there was a new collection on my XXXX report.I called the company 3 times and 2 times was hung up on. The 3rd time I ask the collector what address the validation notice was sent he stated did not have an address . I was informed that there where other debts of mine in there office and it was not reported to the credit bureau .He hung up on me . Texas has not reported any of my medical debt before I was told they do not. Violation of the FCRA and FDCPA for abusive behavior ..Continue to hang up and not try to resolve the issues..If they report to the credit bureau they must report all DEBT as of today the only report is for XXXX XXXX from XX/XX/XXXX the others have not been reported they can not pick and choose
Product: Checking or savings account

While on vacation, my identity was stolen and used to loot my wife 's and mine checking accounts for {$110000.00}. The bank ( Apple Bank in XXXX XXXX NY ) said the transactions met their criteria. The never asked about these sudden and out of character withdrawals. The money seemingly went to a brokerage in Connecticut, who said it wasn't them. I have filed a deposition with the XXXX XXXX ADA who " following procedures. '' I hired a lawyer who hit a brick wall. I filed an IC3 with the FBI and called four times. No response. The complaint with the FTC ended with them " thanking me for helping built their statistics. '' FINRA got the Interactive Brokers in Ct to send a shot email saying someone tried to open an account in my name. They turned it down and never directly withdraw money, even as their name is all over the thefts. I just opened a claim with the FDIC, but we need all the help we can get. I have a pile of paperwork I can provide.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681c-2 ) that you, Transunion, XXXX, and XXXX, block information on my credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of the following accounts, XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX ( XXXX different collections ), XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Transunion ; XXXX on XXXX XXXX I do not recognize the aforementioned accounts, inquiries, and collections on my credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, inquiries, and collections are the result of identity theft and fraud. I have attached a copy of my file FTC Identity theft report, Report # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned as proof and have also filed an identity theft report in my local jurisdiction. The breaches of my information confirmed by both XXXX as well as XXXX XXXX XXXX have allowed for my information to be stolen by someone who committed a financial crime in Alabama, for which I was falsely incarcerated in Texas for. Once the mistaken identity was confirmed, I was released without any charges or pursuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax stating that they changed my current address in their records to an address where I lived at several years ago. They provided no explanation for why my address was changed. 

I called the number in the letter, which turned out to be the credit freeze office, and they were unable to do anything about the error. They directed me to send photo copies of personal records or they would not fix their error. I asked for a phone number or other way to complain to Equifax about their system twice now requiring me to spend time and expense to fix their mistakes, and I was told there is no phone number or address for me to send my complaint. 

It's bad enough that I now have to pay to freeze and unfreeze my credit when I want to use it because of Equifax 's negligence, but it adds insult to injury when Equifax continues to misuse data in a way that negatively impacts me when I have no choice whether they have access to my information.
Product: Credit reporting or other personal consumer reports

XXXX I sent complaints to all 3 companies For my wet signature on the contract for these credit lines also asking for the 1099C form since they were charged
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my property in XXXX XXXX Texas. XXXX shows that there is no debt now. However XXXX and Equifax have not recorded the payoff which was over 6 months ago
Product: Credit reporting or other personal consumer reports

According to ( CITIZENS BANK ) response on XX/XX/2024 there is no 1099-C for the XXXX XXXX ending in XXXX. If there is no 1099-C than how is this account reporting as a charged-off account? 

According to XXXX a charge-off means the lender has " written the account off as a loss, and the account is closed for future charges ''. 

In Citizens response they stated the account is still open. Why is this account reported as closed on credit report? 

According to the IRS for the account to be " charged-off '' a XXXX should be issued. Did Citizens truly charged the account off? Did Citizens bank receive tax benefit for this " charged off account '' CC : XXXX IRS
Product: Credit reporting or other personal consumer reports

Heres a more polished and well-formatted version of your summary : -- - **Background** For over 13 years, I have maintained an active credit history with multiple banks. XXXX months ago, I paid off several credit cards. Both XXXX and XXXX have accurately reflected these updates in my credit profile. 

**Issue with Experian** Despite my longstanding credit accounts, Experian has consistently claimed that I do not have a sufficient credit history to provide a credit rating. This discrepancy has persisted for over six months, causing significant issues.

**Attempts to Resolve** I have made numerous efforts to resolve this issue, including : - Sending multiple emails - Making phone calls- Reaching out on social media Unfortunately, none of these efforts have led to a resolution.

**Impact** Experians failure to provide an accurate credit rating has severely affected my financial plans, particularly my ability to : 1. Purchase a car 2. Buy a home **Request for Assistance** I am filing this complaint to seek urgent action. I ask that Exper
Product: Checking or savings account

I have made over 8 complaints against pnc bank they have discrimination against me under the col using my personal information to there advantage charging me fees stealing money from my account not paying me my dividends stolen my identity after I revoked there poa still doing what they want to my account rigging into my ss XXXX account I admend my signature from contracting with them and they tell me I can't her name is XXXX  she is the customer service relations representative and very rude and don't care person she is from the head quarters in XXXX  zip is XXXX I have written to the ceo as well with my instructions nothing I reported them to the irs still waiting on a response this bank has caused me so much grief and I need something for my pain me time away from my family bc they want to steal from me and think they can get away something has to be done with out prejudice I have been denied credit accounts closed bc they say so I didn't agree to there terms wouldn't get me out of contract and steal from me that identity theft taking my poa when I revoked it
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX XXXX and I have enclosed pertinent documents supporting my case and appreciate your careful consideration of the circumstances outlined herein. 

In XXXX of XXXX, I encountered a significant issue with my XXXX XXXX XXXX, specifically a dragging noise that escalated into a loud knocking noise. Subsequent inspections revealed internal engine knocking, and an estimate for the necessary repairs exceeded {$5000.00}, as detailed in the attached repair order. 

Regrettably, due to financial constraints, I found myself unable to afford the required engine replacement. Consequently, I faced the challenging decision of voluntarily surrendering my car and obtaining an alternative vehicle. This decision, as evidenced by the attached rental car receipt and the associated costs during this period, imposed an unforeseen financial burden on me. 

In light of these circumstances, I contacted Capital One Auto Finance seeking assistance, as reflected in the attached email correspondence. However, their response indicated an obligation to pay the remaining balance of {$13000.00}, which has proven unfeasible for me given the circumstances surrounding the engine failure. 

I am writing to request your professional assistance in conveying the impact of the engine failure on my ability to fulfill the remaining balance to Capital One Auto Finance. The recent XXXX XXXX XXXX XXXX, aimed at compensating those affected by engine failures, offers a potential resolution to this matter. 

Enclosed, you will find pertinent documents, including the repair order details, rental car receipt, XXXX membership cost, and the communication with Capital One Auto Finance. These documents aim to provide a comprehensive overview of the financial and emotional strain I endured due to the engine failure in my XXXX XXXX. 

Considering the ongoing lawsuit addressing damages caused by the engine failure, I respectfully request your support in advocating for a fair resolution that takes into account the circumstances leading to the surrender of my vehicle. I believe it is neither just nor feasible for me to bear the full burden of the remaining balance under these conditions. 

Thank you for your attention to this matter. I trust that, through arbitration, a fair and equitable resolution can be reached, providing closure to this challenging chapter.
Product: Credit reporting or other personal consumer reports

I HAVE ATTACHED PROOF FROM XXXX PROVING THAT I HAVE BEEN A VICTIM OF A DATA BREACH AND VICTIM OF FRAUD AND IDENTITY. THEFT ACCOUNTS WERE OPENED, USING MY NAME AND PRIVATE INFORMATION, AND THESE ACCOUNTS WERE NOT OPEN BY ME AND ARE A RESULT OF IDENTITY, THEFT, AND POWER OF ATTORNEY FRAUD. I DID NOT GIVE THESE COMPANIES, PERMISSIBLE, PURPOSE OR CONSENT, AND I WAS NEVER CONTACTED TO VALIDATE THE ACCURACY OF THESE ACCOUNTS. EXPERIAN, XXXX, XXXX, AND ALONG WITH THE CREDITORS, ARE IN VIOLATION OF FCRA FEDERAL LAW. You may be held liable pursuant to title 15 USC 1681o and Title 15 USC 1681n. Pursuant to FCRA 605B and title 15 USC 1681 c-2 I must demand these accounts to be removed within four business days as permitted by federal law. Please provide me with a purchase agreement and not a copy of a contract. Failure to block and remove the accounts may result in initiation of arbitration or lawsuit against your company.
Product: Debt collection

Last year ( XXXX 2016 ) I have borrowed online payday loan ( which is not licensed in my state ) the amount of {$1600.00} and I have paid {$970.00} and I have principle balance {$620.00}. 
I have contacted to XXXX washington that this payday loan ( XXXX XXXX XXXX ) not licensed in state of washington and I do n't have to pay excessive interest ( 480 % ). So I contacted to XXXX XXXX XXXX  that I willing to pay the principle only. But I never reply from XXXX XXXX XXXX. 

But today, I got a phone call from 'BAYSIDE CAPITAL SERVICES ' collection agency. 
They told me that they bought my account from XXXX XXXX XXXX. ** They told me that I owe {$2600.00} as of today and they threatening me they will sue me and they are going to garnish my salary. 
I asked willing to pay the principle {$620.00} but they refuge and they will serve the summons early next week.
Product: Credit card or prepaid card

There is an account from Comenity Capital/Zales reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to Comenity Capital/Zales .

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Comenity Capital/Zales account on my credit report is reporting inaccurate and incomplete information.
Product: Debt collection

I have made several contacts with the southwest credit system as well as XXXX XXXX regarding this matter. This is not my account ; this account was addressed at an address that I did not live at. I joined the military in XXXX and was living overseas during the time frame of this account. Before I went to the XXXX, I lived in XXXX, XXXX. I didn't return to the state until XXXX. Please remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, XXXX, Equifax and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Student loan

I graduated last fall from my XXXX XXXX program where I took out around {$80000.00} to pay for it. EdFincancial is servicing this loan. They will not allow me to enroll them in auto pay until there is a payment due, around 6 months after graduating. Enrolling in autopay reduces the interest rate by 0.25 % which on XXXX is about $ XXXX. When I went to enroll they said it would take 2 months to activate so they are trapping me into paying at least 2 months of interest at the higher rate. That does not seem to be a reasonable timeline for a simple calculation adjustment.
Product: Student loan

I graduated from college in XX/XX/XXXX. Yesterday ( XX/XX/XXXX nearly 5 yearsafter graduation ) I received a letter from XXXX XXXX XXXX regarding aprivate loan. When I called XXXX they informed me that I had a loan with Chase inthe amount of {$5400.00} at a 8.750 % interest rate. XXXX informed me that Chasewas no longer servicing this loan but they were. I informed them that for the past 5years I have NEVER received any type of letter or bill from Chase regarding anystudent loan! They have failed to provide me with the proper paper work regardingthis student loan ( of which they currently have on file considering XXXX knows myaddress ) and also failed to inform me that they were no longer servicing my loanbut that a different lender would be! XXXX also informed me that my father ( XXXX ) who I have n't spoken to in at least 3 years has been paying this bill. Iwant to know why no documentation was ever sent or forwarded to my homeaddress regarding this loan until now? I find this to be unprofessional andunacceptable. I could 've defaulted on this student loan because of their inability toprovide me with proper documentation! I requested from the XXXX representativethat the original promissory note be forwarded to my home address regarding thisloan immediately! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX, these XXXX accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.
Product: Credit reporting

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and deleted but then reinserted.
Product: Credit reporting or other personal consumer reports

I did NOT authorize these companies to pull any inquiries. 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.
Product: Credit reporting or other personal consumer reports

i am a XXXX XXXX XXXX XXXX and there are inaccurate information being reported on my credit report due to me being a victim if this horrible offense.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts associated with my personal information. Upon reviewing my recent credit report or statement, I noticed accounts that I did not authorize or open. These accounts appear to be fraudulent, and I am requesting that they be thoroughly investigated and removed from my records. 

Details of the fraudulent accounts : NATIONAL CREDIT SYSTEMXXXX  XXXX XXXX Account Number : XXXX Date opened : XX/XX/year> Balance : {$6000.00}
Product: Checking or savings account

Wells Fargo advertised a promotion online to receive a {$320.00} bonus during the months of XXXX and XXXX. 
The promotion was advertised to follow a link online and all prompts during opening add {$25.00} and receive qualifying direct deposits and there were no other necessary steps as it was automatically applied by going through specific link. 
After my 90 day period I did not receive my bonus I called to see the status of this bonus and I was informed there was not one available to me and there is no promotion that could be found during that time. I was misled with false advertising and assurance. 
There were no other qualifications disclosed on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this info to CFPB because XXXXXXXX XXXX  and Experian have not updated my XXXX account on my Experian Credit report. I received an upgrade for my XXXX XXXX XXXX XXXX XXXX I noticed after I received my new XXXX XXXX XXXX that my Experian credit report was showing I had two open XXXXXXXX XXXX XXXX I only have one XXXX XXXXt. I have spoke with XXXX Bank and Experian since XXXX and this dispute has not been resolved. 
I have submitted 3 online disputes to Experian in XX/XX/XXXX. Each resolution comes back completed, but the original XXXX account has not been closed. I spoke with XXXX with Experian today XX/XX/XXXX, he stated that he would contact XXXXXXXX XXXX to get this resolved. I received a text message from XXXX at Experian asking me to do the same thing that I have already done, submit an online dispute. 
I have spoke with XXXX Bank many times since XXXX and sent them a copy of my Experian Credit report showing the 2 XXXXXXXX XXXX I spoke with XXXX at XXXX Bank today, XX/XX/XXXX, she cant find the fax or credit report that I mailed XX/XX/XXXX. She said she would submit paperwork for an investigation. I have been transferred, put on hold and at times left on hold. I want this issue resolved. 
Thank you