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

This is my countless 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 items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have submitted over XXXX complaints with equifax in regards to identity theft. I have followed their request and submitted all documents and yet the situation blatantly goes ignored. It should not be this difficult to get assistance after getting your life destroyed by identity theft when youre trying your best to piece it back together. This company is violating my rights and this matter should be looked into immediately. I have also already submitted several complaints with the CFPB as well so they clearly do not care about consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXXs ( XXXX ) saying I had an overdue account. I paid the account unknowing it was fraud and I had been given the incorrect information from XXXX. 
XX/XX/XXXX Called XXXX and filed fraud report. 
XX/XX/XXXX Received letter from XXXX " ... we removed the dispute ... credit agencies were informed. Allow 60 days to revise their records. On XX/XX/XXXX I received a refund for the payment I made on XX/XX/XXXX. I waited 3 months and checked my credit - the negative accounts remained on all 3 credit agencies. 
XX/XX/XXXX Sent letters to all credit agencies. Credit bureaus put fraud alerts on the account but did not remove the negative information. 
XX/XX/XXXX Sent 2nd letter to all 3 credit agencies. 
XX/XX/XXXX Letter from XXXX " The disputed account XXXX is currently not reporting on the XXXX credit file . This item has been deleted from the credit file. '' XX/XX/XXXX Received letter from XXXX - " The information disputed has been verified as accurate. '' I spoke with XXXX on XX/XX/XXXX and they stated the letter they received from XXXX stated the charges were legitimate, not fraud. This is not what the letter said that I received and sent to all 3 credit companies. 
XX/XX/XXXX Called XXXX XXXX, spoke with XXXX associate # XXXX who informed me I had to request to have information deleted. He was going to send another letter to XXXX and me a copy. I never received anything. I know this may seem trivial but I am proud that I have never had anything negative on my credit reports. I don't understand why XXXX can't remove the disputed negative account as XXXX did. 
XX/XX/XXXX Received letter from Transunion dated XX/XX/XXXX - didn't change anything - " verified as accurate ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 Bank of America couldn't approve my Unlimited Cash Rewards Visa Signature card following false reasons from an incorrect report obtained from XXXX
Product: Credit reporting

I have disputed the infomration on credit report regarding XXXX XXXX XXXX times with Experian credit reporting - the 7 year statute of limitations has expired. Yet, Experian will not remove. They have consistently continued to respond with a statement that the account was updated and left it on the credit report. Additionally, XXXX XXXX continues to submit the same infomation to Experian on a monthly basis ( last date of submission XXXX/XXXX/2016 ).
Product: Consumer Loan

I turned in a Honda Civic I was leasing in XX/XX/XXXX. On that date, I received a new Honda Civic. On XXXX/XXXX/2015 I woke up and found my new Civic was gone. After calling everyone I needed to report the car stolen, I found out it had been repossessed. I called Honda Financial and asked why. They informed me it was due to nonpayment and I was XXXX days behind. I asked how since I made every payment. They did check into it when I stated all my payments have been made. They saw the money had been routed to my old account instead of my new one. I asked if there was anything I could do to get it out of repossession and clean this off of my credit report since I have never missed any payments and they could see that when they checked my accounts. They informed me I had to talk to the recovery department about this. I had many issues with the recovery department the first day I tried to talk with them. I called numerous times to be routed to someone else I could speak with to work out my problems with the person I was dealing with in recovery and with my account. However, every call was forwarded to the person I was having problems with and I was told by her, there was no supervisor available and no one else to take the calls or complaints. 
I admit, I forgot to change the account number on my online banking. I also did not open any mail due to the fact I knew how much my bill was and what date it was due and that I had made all the payments. I never received a check back from Honda until after it was repossessed. Had I received this, that would have sent a flag up to me to call and fix the problem. 
After trying to work something out with Honda, I was told there was absolutely nothing I could do and would have to pay all repossession fees, the lot fees and have it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report. 

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency. 

I demand that you take the following actions within 4 business days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts. 
4. Provide me with written confirmation once the necessary corrections have been made.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act. 

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation. 

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require.

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

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

In XXXX I financed a vehicle with Kia. In XXXX I disputed inaccurate delinquencies. My proof of on time payments was dismissed by Kia and the credit bureaus. XX/XX/XXXX I received a redress check for {$100.00} plus a letter from Hyundai which now owns Kia. I cashed the check then submitted a copy of the letter to XXXX and XXXX. XXXX dismissed my dispute because the letterhead says Hyundai and not Kia. They said I dont have a Hyundai account on my report ( because its Kia. ) XXXX closed my dispute without correcting my credit report. They said they are basing it off what information Hyundai/Kia tells them!!! The CFPB lawsuit, ruling, and the fact that I received a redress payment means NOTHING TO THEM. Hyundai ( Kia ) is in violation of pages 26 and 27 of the court order requiring them to correct errors on my credit report. Its my belief that their paperwork is so bad that it can not be accurately adjusted so my request is for the entire account to be removed from my credit report. I believe Hyundai needs to send letters to all credit bureaus. I also believe they now owe me more than the {$100.00} redress since they are in violation of the court order and they are violating the rules in general. I want them held accountable in a swift fashion.
Product: Debt collection

Commenity Bank purposely uses an " unknown '' number to harass people. They call starting XXXX, and they call nonstop throughout the day. I can not block them because they use a private number deliberately. 
They also try not to identify themselves on the phone so as to " trick '' the customer into identifying themselves first.Their business practices are harassing and unethical, and they need to be put out of business. 
I do not owe the money they are calling me about, and they have not even contacted me by mail so that I can properly dispute the bill.
Product: Debt collection

" I am filing a complaint about an account with Macys ( Balance {$360.00} ) that was opened in 2011, when I was a minor. I believe this account was opened due to identity theft. I did not authorize this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok so my social is XXXX my name is XXXX XXXX XXXX XXXX i was born in XXXX fl. my mothers maiden name is XXXX. I look XXXX. and i have XXXX hair. some information on my XXXX and other credit reporting agency profiles are incorrect. and could possibly be someone else 's. So alright I mean some verification questions for employment and loans are just bizarre. I have like add. but I'm not incompetent. And I certainly know what is going on is bizarre. its hard to remember what information was not mine. The XXXX XXXX address is not mine. and whatever after 2012 isn't mine. I have a XXXX credit card. I financed with XXXX. bought a red XXXX. had a red XXXXXXXX XXXX. had a XXXX XXXX. and whatever financing company was involved with those is what is correct. I just don't remember what they were. never applied for any loans other than for those cars. I applied for a large loan one time and got approved for XXXX dollars. my brother has or had a XXXX. a XXXX. my dad has had a XXXX truck for long time. and my mom has a XXXX XXXX and a XXXX XXXX. so my email is XXXX. please help me and this precarious situation. you can contact my parents as well. my fathers name is XXXX XXXX and his phone number is XXXX my mothers number is XXXX. My phone number always changes. Thank you.
Product: Credit reporting or other personal consumer reports

Credit reporting compromised in XXXX XXXX
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately. File number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX i found an account that i didnt recognize. I found out that my ex husband opened accounts without my knowledege or consent. This is identity theft. These accounts are fraudulent
Product: Checking or savings account

I have tried countless times to open up a bank accounts and get denied every time. On XX/XX/XXXX i requested a XXXX Report. And i was informed that Bank Of America had reported my accout for SUSPECTED FRAUAD ACTIVITY on XX/XX/XXXX, on XX/XX/XXXX me and my family was evicted and was not able to redeem our personal belongs. Shortly after our eviction i was XXXX for XXXX years, After my release i started to relize that something was not right. I contacted Bank Of America to inqure about this onging situation and was rudely accused of the SUSPECTED FRAUD ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, a debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times. 


The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA. XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Date RE : Case Number XXXX ( XXXX ) To Whom It May Concern, I am writing to dispute the information on my LexisNexis consumer report dated XX/XX/2024 I have enclosed a copy of the report with the disputed items highlighted. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any information that I dispute and correct or delete any inaccurate, incomplete, or unverifiable information. 

The following information on my report is inaccurate and should be removed or corrected : - Invalid court name : The report lists a court name that does not exist or does not match the official records. The correct court name is United States Bankruptcy XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX - XXXX XXXX XXXX : The report claims that the information was obtained from the XXXX XXXX XXXX, which is not a source of consumer or credit reports. The XXXX XXXX XXXX is a service that provides online access to federal court records for a fee. It does not contact or furnish any reports to consumer reporting agencies or credit reporting agencies. 

Therefore, the information from the XXXX XXXX XXXX is not reliable or verifiable. 
- Copy of the petition : The report does not provide the name or contact information of the company that filed the petition against me. This is a violation of the FCRA, which requires you to disclose the source of the information. I request that you provide me with the name, address, and phone number of the company of the petition as soon as possible. 

- Failure to verify, correct, or remove the account : The report shows that I have an account that I do not recognize or that does not belong to me. 

I have never authorized or consented to this account being reported on my credit file. 

You have failed to verify, correct, or remove this account from my report, despite my previous dispute. This is a violation of the FCRA, which requires you to promptly delete or modify any information that is found to be inaccurate, incomplete, or unverifiable. 


- Non-compliance of inaccurate information : The report contains information that is outdated, misleading, or irrelevant to my creditworthiness. 

I request that you conduct a thorough reinvestigation of the disputed items and provide me with the results and findings within 30 days of receiving this letter. 

I also request that you send me an updated copy of my consumer report with the disputed items removed or corrected. If you fail to comply with my request, I reserve the right to take legal action against you under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX  # XXXX, has violated my rights. 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: Student loan

Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.
Product: Debt collection

I entered into a repayment plan with National Recovery signed by me on XX/XX/2018. I made two accelerated payments, per our agreement, with the 3rd payment to be paid now on XX/XX/XXXX, which would cancel the wage garnishment and start getting my student loan out of default. On Friday, XX/XX/XXXX, I received a call stating that the company is not honoring that agreement nor the payments I already made and I am considered to be in straight default and my wages will be garnished. I have given them all of my financial information including a financial affidavit.
Product: Debt collection

I received a call from CITI bank regarding my Best Buy Credit card account that I paid off in full in XXXX. They said they were contacting for late fee that had rolled over after I paid it off. So we're rolling a late fee forward and I was even aware that I owed the fee. First time I heard it was today and it had doubled. So since they refused to take the entire fee off I paid {$31.00}. This unfair treatment for someone who had always paid on time. Collection of late fees that continue to roll over is an unfair to good paying customer..
Product: Mortgage

I refinanced my manufactured home in California in XXXX. During this process, the new mortgage company XXXX United Wholesale Mortgage/UWM XXXX XXXX to make the necessary insurance payment to American Modern XXXX XXXX XXXX XXXX XXXX cancelled XXXX policy due to non-payment. I have had an escrow account, as you do, since I bought this home in XXXX of 2020. During the refinance process, I did the same with the new company and had the escrow set up as a term of the mortgage. United Wholesale Mortgage told me over the phone that they 'attempted to contact ' the insurance company to change the name of the payee of the insurance policy and said that they, 'did not get a response ( from XXXX XXXX ), and therefore did not make the payment and would not until they were listed as payee. ' They are now threatening to impart their own insurance plan which is 'more expensive ' and XXXX not cover my interests '. It would be impossible to get insurance coverage presently in the state of California if we didn't have the CA XXXX XXXX which is minimal coverage at best and costs more than my previous policy. I want to take legal action against United Wholesale Mortgage, and this is where I am starting the process. Thank you for your time.
Product: Debt collection

I have not received any contract agreement by the collection agency named CREDENCE RESOURCE MANAGE, I would like a contract agreement with my signature stating I owe them money, and not t mobile I have advised them and XXXX XXXX this account is fraudulent and has been removed in the past by all three credit bureaus and by law is illegal to harass, falsify or put this on my credit if it has been removed in the past. Please remove. Thank you!
Product: Credit reporting

I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. 

Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.