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

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Bank account or service

Received in US Mail a targeted promotional offer for a XXXX Citibank Thank You Points Bonus. Promotional Code = XXXX. 

Applied for and opened a CitiGold Checking Account. Requirements for bonus were 2 bill pays for two consecutive months immediately after account opening. I met the requirements in XX/XX/XXXX and XXXX 2016 - a Citibank Chat agent confirmed this. 

Confirmed again over secure message in XXXX 2016 with Citibank agents that I met the requirements for the bonus and agents said I should receive the points by XX/XX/2016. 

In XXXX 2016, I asked to reconfirm that I will receive my XXXX bonus points when they will post to my account, and was then told 2 months after ( XXXX 2016 ) that I will NOT receive the bonus because I was not targeted for the offer. I had opened the account in hopes of receiving the promotional offer, and then 3 months after account opening ( after confirming twice I met the promotional requirements ) Citibank refused to honor the promotion and denied me the bonus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a payment of {$1800.00} was paid to GM Financial that would satisfy my obligation to a debt as agreed.GM Financial has not updated the Credit Reporting Agencies that my balance is XXXX. I filed a dispute with Credit Reporting Agencies, however, GM Financial declined to acknowledge the balance was XXXX. On or about XX/XX/year> I called the XXXX XXXX Department with GM Financial at XXXX. I spoke with a representative who insisted my balance was XXXX and my account would be escalated to management to be cleared up in a few days. The account did not get updated as promised so I filed a dispute with the credit bureaus on XX/XX/year>. On XX/XX/year> the credit bureaus reported that GM Financial had failed to update the information. The lack of follow-through with GM Financial has negatively affected my credit and caused me to be declined by other lenders.
Product: Debt collection

I have received multiple calls from Portfolio Recovery ( Portfolio Recovery  Associates, LLC   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I owe  XXXX   XXXX  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I informed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed the Time Barre d that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as XXXX, Experian and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY XXXX REPORT, XXXX, EQUIFAX. HOWEVER XXXX BANK HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM
Product: Credit card

Macy 's somehow got my XXXX year old Mother 's phone number. They called her 3 times before noon last Sunday regarding debt collection of my account. I am XXXX years old and have never give my mother 's number to any credit card entity. It upset my mother terribly. I called - It took three tries to find someone whose English I could understand. Finally I got " XXXX '', a rep, who refused to tell me how they got her number. He finally did say it was added XX/XX/2015. I have been ill and unable to work. I have told them I will pay as soon as I can. While I was on the phone " XXXX '' over and over kept trying to get me to say I would pay by next Sunday. I told him I would not say that -- that I would pay as soon as I could. He kept on saying the same thing over and over. I feel calling my Mother at all and even worse on a Sunday, as well as the way XXXX kept trying to get me to say I would pay by the following Sunday, when I told him over and over I would not say that and I would pay as soon as I could is out of line and total harassment of both my Mother and myself. My Mother was EXTREMELY UPSET!
Product: Checking or savings account

Candace bank has been down since Wednesday morning. No ones deposits are showing up. They say were fixing it and it should be at this time or this time. But never happens and they keep saying the same thing. People are already trying to survive pay check to pay check. Now we dont get our hard worked money nor can we purchase or pay things due to that. I understand an occasional hiccup but this isnt right. If they say our money is safe. Why not front our already earned money and they wait until things are fixed. This is inhumane. Peoples lives are on the line.
Product: Debt collection

This account Is Passed the California Statute of limitations for debt collections. This auto loan was originally owned by XXXX XXXX XXXX who then sold it to Autovest llc.. 
This account went into collections from XXXX XXXX XXXX The last update was XX/XX/XXXX. 
I disputed this account with XXXX for this exact reason and it was originally removed from my report. It wasn't until they sold this debt to Autovest LLC. that it was put back onto my report illegally I have never had any form of contact from Autovest LLC. 
As of today, XX/XX/XXXX, this account is 11 months passed the statute of limitations for debt collections in the State of California ( statute of limitations for debt collections is 4 years in California ). This is an FCRA violation and needs to be removed from all credit reports.
Product: Debt collection

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Capio, which is a violation of FDCPA. Capio has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Capio, nor any party that Capio, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Capio remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX  Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$700.00} ; XXXX XXXX XXXX XXXX  Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00} ; XXXX XXXX XXXX XXXX  Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} ; XXXX XXXX  ( Original Creditor : XXXX  ) XXXX  Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX  Balance : {$200.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account not been late on any payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) .I 'm now requesting you investigate this account and update these payments to paid on time immediately Thank You for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything to resolve the issue from writing Hyundai capital a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the manager at Hyundai capital laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX and XXXX XXXX, XXXX, I tried to dispute with Transunion under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach with I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Product: Debt collection

A credit card I owed on was charged off. 
Navy federal credit union waited for my tax refund to deposit and then took {$5000.00} dollars from my checking account ( all I had left to spend on a home for my children and I ). I did not consent to this. They offered me a settlement of half of my money back and told me this was the only option. Both representatives were rude and fully unprofessional. I was yelled at belittled and they further more looked into my recent transactions to determine whether or not they would reverse the money or let me set up a payment plan. Their names were XXXX and XXXX. Call was on a recorded line and can be looked up and reviewed/listened to. I was treated inhumanly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent out multiple letters to XXXX due to a unknown account on my credit report XXXXXXXX # # # # # # # # and was ignored by XXXXX on XX-XX-XX and XX-XX-XX
Product: Debt collection

I called the original debt holder Comenity bank.which they told me it's looks like identity theft.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging of posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the XXXX, XXXX, Transunion address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your response
Product: Credit reporting or other personal consumer reports

I filed a complaint against XXXX about the flaw in their system how it's being used and damaging consumers reports intentionally the following day I applied for a loan was pre-approved and the special reporting company owned by XXXX clarity services has labeled my SSN for suspicious activity causing any application for credit denied. I went to clarity services and requested my report they were unable to provide my report to me without me sending a written request through the mail after having provided it to a creditor no less than 10 min ago customer service was equally unhelpful and I will assume this is retaliation for the complaint against XXXX knowingly ignoring a flaw in their system I pointed out. There is no way to resolve this issue in a timely manner and the fact they can just say suspicious activity on SSN causing a consumer to be denied any financial help from any institution is not acceptable they are purposely and intentionally doing this there is no way this is ok to do to consumers this allows XXXX and clarity services the power to determine if a consumer is even considered for any credit from any creditor. This is discrimination and retaliation in its basic and obvious form if this is allowed to continue then the fcra and cfpb really have no power to help the consumer when discrimination and retaliation are easily used against the consumer causing financial harm how is this acceptable they are blatantly causing harm to consumers and manipulating the system to harm consumers
Product: Debt collection

I XXXX XXXX, Consumer, experienced a depressing moment in my life when On XX/XX/2022, Volkswagen Credit XXXXnc, Repossessed my vehicle unlawfully the night before a workday. Volkswagen Credit Inc. allowed a third party to retrieve my vehicle without my permission for them to disclose my personal information to a third party without a contract in place between myself and the third party. On XX/XX/2022, Volkswagen Credit Inc. received a request for information letter from myself sent certified mail return receipt for the following information ( proof that Volkswagen Credit Inc. repossessed my vehicle in accordance with the law : " I demand proof that the repossession of the subject vehicle was legal in accordance with the following U.C.C : 9-506. Effect of errors or omissions XXXX XXXX XXXX. Notification before disposition of collateral- KRS XXXX XXXX. Timeliness of notification before disposition of collateral- KRS XXXX XXXX. Contents and forms of notification before disposition of collateral- KRS XXXX XXXX. Explanation of Calculation of Surplus or Deficiency- KRS XXXX I am also requesting a statement of accounting pursuant to U.C.C 9-210. '' I am patiently waiting for Volkswagen Credit Inc. to respond to my request. The 14 day window that they had to provide me with the information was up today XX/XX/2022. I have yet to receive the requested information from Volkswagen Credit. They also furnished to my consumer credit report our transaction history which is a violation of 15 U.S. Code 1681a. This was an Unlawful repossession has caused me mental anguish, XXXX, character, and mode of living. Volkswagen Credit Inc, has violated my rights as a consumer. 

amount reported on consumer report : {$18000.00} amount financed on " installment contract '' ( consumer credit transaction ) : XXXX finance charge on " installment contract '' ( consumer credit transaction ) : {$6400.00}
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union regarding numerous overdraft fees I have incurred over the years. Despite having sufficient funds in my account to cover authorized transactions, I was charged overdraft fees due to delays in the posting of charges and credits. This situation appears to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices at Navy Federal, where transactions were settled with insufficient balances even though funds were initially available. I believe these practices are unfair, and I respectfully request that a thorough investigation be conducted into my account transactions over the course of my membership with the Credit Union.
Product: Student loan

I called MOHELA regarding my federal student loan status and to discuss payment options, as I am unable to on the website. Any page I go to on the site says " Due to the status of your account, please contact MOHELA at XXXX for any account inquiries or document requests. '' Calling the number yields being hung up on. My last call I was on hold for an hour and a half and was hung up on without any interaction with a customer service representative. I am unable to change anything on the site and I am unable to speak to a customer service rep. I will be unable to make payments at the current payment levels required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing the collection account with IQ Data on  XX/XX/2019 with each credit bureau. I asked them to make sure that everything was reporting correctly for this account or to delete it if they couldn't validate this account. Each credit bureau responded saying that everything was reporting correctly. I then sent a letter out to each credit bureau on XX/XX/2019 advising them that they did not verify this account  thoroughly because the open date was reporting incorrectly on each bureau and that there was no way this same account was able to be opened on 3 different days, the account number was reporting differently on each bureau than what the collection agency had, the amount owed showed something different than what the original credit and the collection agency advised it was. I asked for this account to be deleted from my credit report because it was inaccurate and also because it violated my consumer rights under the FCRA, to this day this information is still inaccurate and the account is still on my credit report which again is a violation of my rights. FCRA states that any information on a consumer credit report must be accurate or it must be deleted from the credit report.
Product: Credit reporting or other personal consumer reports

I have put Experian, XXXX XXXX XXXX on notice for months. I am a victim of identity theft. I sent in police reports FTC REPORTS to no avail. I even identified the persons who stole my information and used it to set up multiple accounts in my name for XXXX XXXX. XXXX XXXX has video evidence of the fraud. this amount to willful non compliance 15 USC 1681N this is hurting me and harming my business and mode of living see attached documented 1 identity theft letters identifying the fraud accounts 2 ftc report 3 police report 4 state ID 5 SSN 6 Proof of address insurance card this fraud listed in my letter is not related to any transaction initiated by me If this continues to report I will send all said docs including this complaint to my North Carolina Attorney General XXXX XXXX please remove asap 15USC1681C-2 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 reviewed my credit report and saw hard inquiries I called they said they Dont have me on file
Product: Debt collection

I was contacted by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX  XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for Experian & XXXX  to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX  in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.
Product: Credit card

I am victim of identity theft, my personal information was stolen or compromized and as results I've got one fraudulent account on my credit report which belong not to me and which I have never authorized or registered before. Also I have never submit it, I have never logged on it, I have never paid for it and I have never signed any documents on it. 
Here are all the details of this one fraudulent account : DISCOVERBANK Account # : XXXX Account Type - Detail : Credit Card Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$0.00}