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

Subject : Urgent Request for Assistance : Stolen Vehicle and Unresolved Identity Theft To the Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply troubling and distressing situation involving identity theft, the unauthorized opening of a credit account, and the theft of my vehicle, a XXXXXXXX XXXX XXXX XXXXXXXX, XXXX sedan. The owner of the auto repair shop responsible for the theft of my car is XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX, TX XXXX. 

The sequence of events that led to this situation is complex but rooted in the mishandling of my insurance package by my former employer, XXXX XXXX XXXX. Upon being hired, I received my insurance package after 31 days, well after the enrollment window had closed, and they subsequently filed a report to rectify this. In the process, they also contacted the insurance to open a new window to allow for the inclusion of my package. However, during my employment, I applied for a XXXX XXXX XXXX XXXX XXXX credit card to obtain my employee discount, only to discover unauthorized activity related to my personal information. This led to the theft of my car from the XXXX XXXX XXXX employee parking lot. 

I believe that this situation may involve individuals connected to XXXX XXXX XXXX, including the general manager, XXXX XXXX, the HR representative, XXXX XXXX, and a XXXX, XXXX XXXX. I also noticed that an unauthorized XXXX XXXX XXXX XXXX XXXX account had been opened under my name, causing significant damage to my credit. 

Despite reporting this to the police ( report No : XXXX ), I am still awaiting resolution. The complexity and potential involvement of various parties in this situation have made it incredibly challenging to regain control over my identity and retrieve my stolen vehicle. 

I urgently seek your assistance in resolving this matter, ensuring the return of my stolen car, and restoring my financial well-being, which has been severely affected by the unauthorized credit account. Any help you can provide in this regard would be greatly appreciated. 

Thank you for your immediate attention to this serious issue. 



[ XXXX XXXX ] [ XXXX ]
Product: Debt collection

XX/XX/2019, XXXX I have called about this and I get no response it is illegal and unfair to send and sell a debt that isn't mine. I'm asking can you please remove off my credit report
Product: Credit reporting

In XXXX, 2015, I used the web services of all XXXX major credit reporting agencies as part of a major credit-relevant transaction. For all agencies, I requested the minimal cost ( {$1.00} ) credit report. For Experian and XXXX, without my knowledge, I was enrolled in credit monitoring services. This resulted in monthly charges to my account ( {$21.00} for Experian, {$17.00} for XXXX ), until I finally noticed these charges on my credit card statement this month ( XXXX ). I called each agency, cancelled my enrollment in their credit monitoring services, and requested full refunds. Each agency refunded only XXXX month 's worth of charges. 

I am generally a web savvy consumer. I find it very hard to believe that I was provided with reasonable notice or information that by requesting my {$1.00} credit report, I was also enrolling in a credit monitoring service. I strongly suspect that Experian and XXXX are using their critical roles in our credit reporting system to charge customers monthly without those customers ' affirmative consent or knowledge. Given the trust that we must place in these agencies, this is unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

Two years ago I took an installment loan from a lady named XXXX at Advance America in XXXX Al and I had automatic payments taken out of my account and the loan was paid off in XX/XX/XXXX today I saw they were still taking money out so I went to their store. They claimed I refinanced it in XXXX and have been taking money out of my bank account. I havent been in the place in over a year. Some guy I have never met claims he was the one I refinanced with and the electronic signature is not mine. I received a large severance package in XXXX when my job ended so I would never have took a loan at XXXX XXXX  interest. They have been taking money from my account twice a month and the original loan was monthly. I have several accounts and didnt catch it until today. They produced a copy of a contract with an electronic signature that isnt mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2020, I was involved in a XXXX XXXX which resulted in a total loss of my vehicle. The vehicle was insured with XXXX by the time of the accident. I opened up a claim with XXXX right after the accident and apparently everything was taken care of. After the claim process XXXX submitted the loss payment on XX/XX/year> in the amount of {$13000.00} to Kia Finance ( I have a letter supporting this information from XXXX. This letter has been sent to Kia as proof and as a piece of documentation to the Bureaus ).

Kia Finance has reported to the credit bureaus that this account has been has a charge off and repossession ( which never happened ) on the months of XXXX and XXXX of 2020, after being paid in full by the Insurance Company above mentioned. This is a Insurance / Finance company deal, I have always paid my insurance bills and made payments on the vehicle on time. 
This entry is incorrect and has caused so many damages to my credit score and to my personal ability of obtaining some types of loans, credit cards, etc. over the past 04 ( four years ). 
After a several attempts directly with Kia Finance and through disputes with XXXX, XXXX and XXXX, I would really appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

what I am writing to request an investigation of the following information that appears on my credit report. I have NEVER opened or used the following accounts in the attached XXXX  form.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

An unauthorized hard inquiry from Sams Club Business Credit Card appeared on my credit reports with XXXX and XXXX on XX/XX/year>. I did not authorize or initiate this inquiry, and it violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires explicit consumer consent for credit inquiries. 

I discovered this error while reviewing my credit report, and I have taken steps to dispute the issue directly with both XXXX and XXXX. Despite providing all necessary documentation, I have not yet received confirmation of the removal of this inquiry or adequate resolution. This unauthorized inquiry negatively impacts my credit profile and is a breach of federal law.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 card or prepaid card

I have been a customer of Capital One since XXXX. Have had my oldest credit card since XXXX. Over 5 years I have saved up XXXX $ in cash-back rewards on the account. I have always paid on time. 

XX/XX/XXXX I received a letter from Capital One saying that my account usage was not in accordance with their expectation, that my account was closed, and that the rewards I had saved was forfeited. No further explanation. 

I was completely confused by this. After calling them it turns out that there was a returned payment on another other card that I use for expenses shared with my girlfriend. This card is also with Capital One. One day I had tried to make an early payment on that card - however, there was insufficient funds on our shared account and the money was returned. I rectified the error, made sure there was enough money and redid the transfer. 

However, this single returned transfer on another card is Capital One 's explanation for why they suddenly closed down my personal credit card and forfeited all the rewards I had carefully saved up without giving me even a warning. The shared credit card that I had tried to do the transfer to was not closed. 

I have a hard time imagining that this is legal. I hope CFPB can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act un wanted Credit Inquiries have violated my rights 15 U.S.C 1681 section 602 A. Section 1 : 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 an account without my written instructions
Product: Mortgage

I had recently applied for a HELOC with PenFed on or about XX/XX/2021 for my investment property located in the State of Florida. I have already had a credit worthy relations with PenFed, because I already had a signature loan open and have always paid on time. Thus when i applied for a HELOC, they had to run my credit report again and my scores where acceptable at XXXX. I was then given a checklist of items that I needed ( documentation ) which I needed for a final credit decision. I have submitted all necessary documentation in a timely manner, and each time I would receive a generated company letter response. " Due to the amount of HELOC and overwhelming applications, we are delay in getting the products to our Members in a timely manner. However about 30 days later I was asked to submit more documentation regarding my previous Home loan Refinance closing documentation with my current lender, to see if my mortgage was paid on time. I am upset at this point, because my mortgage was being reported to the credit agency twice, as if I had two accounts and I did not. After disputing the items and having verification with a third party vendor of my credit worthiness, I though that was ok. However PenFed claimed that i had a foreclosure on my credit report which I never had, regarding my primary residence. I feel the process, of trying to obtain this HELOC was over the top and derogatory and discrimination in nature, because I am a XXXX female senior citizen over the age of XXXX XXXX XXXX and retired from the military and now I am told that I need to produce an additional income of {$1500.00} per month to get this loan approved with the under writers because I have a debt to income ratio of 58 %. I believe if that was the case then this should have been explained or brought to my attention on the initial application and not let me provided this documentation and that documentation just so they can have a reason to disqualify my HELOC.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Equifax 's failure to adequately address and report fraudulent activity on my credit report, which constitutes a clear case of identity theft. 

Despite submitting the necessary documentation, Equifax has not taken appropriate action to block these fraudulent items on my credit report, leaving me vulnerable to further identity theft attempts. This inaction on your part is not only concerning but also violates the mandates proper handling of identity theft cases.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX {$36000.00}, XXXX XXXX XXXX  balance {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I been trying to clear all these fraudulent accounts and address and collections off my report that doesnt belong to me on top of that I have a few police reports to provide I have also sent the credit bureaus still nothing being done very unacceptable please help me get this matter resolved!!!!!!!!!
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX : Credit Card NoXXXX XXXX XXXX XXXX XXXX Dear Fraud Operations Recovery Team, I am writing in response to your letter dated XX/XX/XXXX, regarding the fraudulent charge of {$9800.00} on my credit card account. I must assert that I, XXXX XXXX XXXX XXXX, did not authorize this charge, nor did I receive any merchandise from the merchant associated with this transaction. 

Your letter states that your original determination of no billing error stands ; however, I respectfully request the documentation and evidence you relied upon to reach this conclusion. This information is necessary for me to understand the basis of your decision and to further support my claim of fraud. 

I would also like to reference the specifics of the Credit Card Arbitration Agreement, which typically states that any disputes regarding unauthorized charges can be resolved through arbitration instead of litigation. This may include a mutually agreed-upon arbitration process that is intended to be a faster and more efficient way to settle disputes. As this charge has been determined to be fraudulent, I expect a prompt and thorough resolution in accordance with our agreement.

Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I have the right to dispute billing errors, including unauthorized charges. Specifically, the relevant codes for billing disputes include : - Billing Error Definition ( 15 U.S.C. 1666 ) : A charge that is not authorized by the cardholder.

- Consumer Liability ( 15 U.S.C. 1643 ) : Consumers are generally not liable for unauthorized charges if they report them within a reasonable time frame, typically within 60 days of the statement date.

Given these protections, I am requesting an immediate credit of the disputed charge, as well as any associated fees incurred as a result of this charge. I expect this credit to be processed within 30 days of your receipt of this correspondence, which will be my third request for dispute resolution on this matter. 

Thank you for your attention to this issue. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Enclosure ( s ) Police Report/ Second Denial Letter/
Product: Credit card or prepaid card

65 pages of obviuos fraud charges DENIED 3x now simply ignired by Chase over {$32000.00} XXXX XXXX OF FRaud 18 months ago DENIED CHASE actually apprvd XXXX OVER AND ABOVE credit line as a courtesy chargng me 24 % ruining my credit score damgng my busvess loans and causing higher borrowing costs of mllions in loans # XXXX advertisement fOR THIS chase card 100percent worry free FRAUD PROTECTION chase is absolute wrong and abusing its might to cheat peope NOLAWYERS WILL FIGHT CHASE NEED HELP PKEASE. M DEBT HAS RISEN TO XXXX now iwith no end went tobranch manager 4th complaint in XXXX. And not an answer from bank or acknowldg of my in person conlaint
Product: Debt collection

There were 42 or more items in reference to addresses that I told Experian to take completely off of my credit report and they have not deleted all of the old addresses. Its only supposed to be one address, which is the one that I reside at that is supposed to be on my credit report. I also had informed them in that same letter that I hand wrote and went on there Website to dispute directly and they keep saying that the information is being reported is accurate. Its not accurate because I dont live at 42 different addresses and I also had informed them by hand my address and by hand what my name is supposed to say on my report and they have yet to correct that. And for me to pay {$26.00} a month for them to monitor my credit and they cant do something as easily as only have one address in my credit report is beyond astounding at this point, so why am I paying yall?
Product: Credit card

i was used as a authorized user but this is affecting my credit score because whoever account this is their are over their credit limit and it is messing uo my credit score im trying to take out a morgage so i can buy a new home but i cant until this tradeline is removed from my credit profile.
Product: Bank account or service

Last XXXX I received a targeted offer from Citibank for a Citigold account which, after completing the spend requirements, was supposed to result in XXXX XXXX miles in that account. I fulfilled the requirements months ago. One citibank rep said I would get the miles in XXXX, then I was told I had n't turned in a tax form, then I turned it in and Citibank said they never received it. Then they admitted they had received it. I escalated my request at the XX/XX/XXXX and was told I would get the miles by XXXX XXXX. Has n't happened. Talked to Citibank last night and was told that Citibank has " approved '' the miles but they have no idea when they will be posted or available to me. Meanwhile I have been paying a monthly fee to maintain the Citigold account. Last night the representative said I would n't have to pay any fees for three months, but I 've already paid several months of fees AND I have no miles yet. I kept my part of the deal ; Citibank has not kept theirs. This is fraud. I want the miles, I want the fees rebated for the months since I met the requirements. I think I also deserve some consideration for the hours I have spent on the phone with them.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXXXXXX XXXX auto loan which reported a 30 days late payment. XXXX  XXXX XXXX near sent a letter stating I was late or the account was possibly in default. XXXX XXXX XXXX finally sent the letter 90 days later at which time I made sure the account was fully paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another problem with Experian, separate from the one I reported recently. After having problems with the company, I requested a printed credit report and received one from Experian with an error in it. An XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX does not belong to me. I have never lived there or owned property there. 

Printed on the report from Experian is listed a phone number to call if the information on the report is incorrect : XXXX. 

On the morning of XX/XX/22, I made several attempts to call this number to correct the address error. The call went to a recording with XXXXwo options : 1 ) to select a freeze or fraud alert or 2 ) to get a credit score or credit report. Neither option is what I needed and no other options were available. The recording repeated several times with only these two options and then disconnected. There was no option to report errors or to speak to a live human being. 

I also called two other Experian phone numbers that I'd used in the past when I had were problems with their company : XXXX and XXXX. Both directed to the same recorded message with the same two options. 

I want the XXXX address removed from my credit report immediately and a corrected credit report mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 the first report was filed with the CFPB with no resolution. Since then my credit. has been effected and I have. been discriminated against due to the inaccurate reports. XXXX XXXX. Actual damages have occurred related to NFCU tarnishing my reputation. They are reporting transactions and experiences to the credit bureaus where permission was not granted. This is my private information. Multiple letters, phone calls and messages have been sent to XXXX, transition XXXX and Navy Federal Credit Union. 
NAVY FEDERAL CREDIT UNION is giving false and innacurate information that is private between both parties. As. per 15 usc 1681 ( 2 ) ( a ) ( i ) exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report