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

The Accounts are not mine. I didnt authorize these accounts to be opened
Product: Credit reporting, credit repair services, or other personal consumer reports

Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you verify the documents? Several listed accounts are inaccurately reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I am beyond worried about my consumer report. This month it has been targeted by numerous fraudulent attempts to open unknown accounts. Please I ask to place a FREEZE on my credit report. I dont want to place a fraud alert because Im in the process of buying a home and dont want to affect me. Please delete this as soon as possible as it is affecting me financially. 
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 XXXXXX/XX/XXXX ) I am not liable for this inquiries nor recognize them please remove immediately and place a freeze on my account if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union and XXXX  both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that Trans Union and XXXX  both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!
Product: Credit reporting or other personal consumer reports

Complaint Against : Experian ( Credit Reporting Agency ) XXXX XXXX XXXX XXXX XXXX ( Debt Collector ) Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX What Happened? 
I am filing this complaint against Experian and XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate and fraudulent information on my credit report. 

Specifically, XXXX XXXX XXXX is reporting a XXXX XXXX collection account from XXXX to Experian, even though I have provided conclusive proof that I was XXXX from XXXX to XXXX and could not have incurred this debt. 

Despite multiple disputes and supporting evidence, Experian has failed to conduct a reasonable investigation and continues to allow XXXX XXXX XXXX to report this false account on my credit file. 

Violation of Federal Law Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), Experian must remove inaccurate, incomplete, or unverifiable information from a consumers credit report.

Experian failed to properly investigate my dispute and remove this fraudulent account.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report false or misleading information to credit bureaus. 

XXXX XXXX XXXX is knowingly reporting false information despite receiving proof that the account is not mine. 
Steps I Took to Resolve the Issue : I sent multiple dispute letters to Experian, explaining the account is fraudulent and that I was XXXX at the time. 
I provided official XXXX  records proving I was in custody from XXXX to XXXX and could not have opened or used a XXXX XXXX account in XXXX. 
I disputed the account with XXXX XXXX XXXX and requested validation, but they failed to provide any proof that I incurred this debt. 
Harm Caused by This False Reporting : Significant credit score damage due to this fraudulent collection account. 
Denial of credit, housing, and financial opportunities. 
Emotional distress from repeated disputes and Experians refusal to correct the false reporting. 
Financial harm due to the burden of disputing an account that is clearly not mine. 
XXXX Sought : I demand that : Experian immediately delete the XXXX XXXX collection account reported by XXXX XXXX XXXX XXXX XXXX from my credit file. 
XXXX XXXX XXXX XXXX XXXX cease all collection activity on this fraudulent account. 
Credence Resource Management provide proof of validation or immediately request deletion of the account from Experian. 
Experian and XXXX XXXX XXXX comply with FCRA and FDCPA laws to ensure proper investigations and removal of false data. 
Failure to Comply Will Result in Legal Action If this matter is not resolved within 15 days, I will : File a small claims lawsuit against Experian and XXXX XXXX XXXX under FCRA 15 U.S.C. 1681n and FDCPA 15 U.S.C. 1692k for damages. 
File formal complaints with the Federal Trade Commission ( FTC ) and my states Attorney General. 
This is Experian and XXXX XXXX XXXX final opportunity to correct this matter before I escalate legally. I expect immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX BankXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX
Product: Checking or savings account

I am a victim of identity theft the person who committed these fraudulent activities on my accounts has affected me I am unable to open up bank accounts due to these fraudulent activities I have a copy of my police report U.S Bank
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XXXX XXXX Chase froze account. prevented me from purchasing XXXX presents. 
Same date Chase charged me a fee of {$100.00} I do not know why the account was frozen. I am not aware of ant debt as confirmed by XXXX XXXX XXXX of XXXX  XXXX, Colorado. 
I want my account closed and the return of all fees to XXXX XXXX Thank you for your assistance.
Product: Checking or savings account

I opened my account with XXXX checks XXXX of them are cashiers checks and XXXX personal check from my husbands account : The XXXX cashiers checks are # XXXX. For {$9.00}, XXXX # XXXX for XXXX # XXXX for XXXX XXXX of XXXX +. XXXX personal check Total deposit {$43000.00}. 
I have copies of these XXXX checks an copy of my receipt for the deposit. 
When I opened my account they put a hold on funds to wait for the checks to clear. 
Is understandable. I opened the account on XX/XX/XXXX few days later on XX/XX/XXXX XXXXbwent to make a deposit to this account and they told me that my account was frozen because the initial deposit that I made were fraudulent checks, I gave them a few days more and went to the branch again on XX/XX/XXXX to try to make my deposit, thinking that everything was fine and clear, and I had the same situation that those checks were invalid or fraudulent. 
I told them to give my checks back and they told me that they wont give me anything back, I need those checks to prove the other bank that chase was telling me that those checks were fraudulent. Tired about that situation I went to another branch on XX/XX/XXXX To make my deposits and found out the same problem, they treat me like a fool and like scammer and every time they embarrassme in front of the crowd and customers they have. At this point I dont want to deal with them anymore y just want my money or checks back and I want them to clean and clear my name on my credit report. Im not a criminal, they hold my money for almost XXXX weeks and XX/XX/XXXX I was on the phone with someone who claimed that he verified that all those checks were legitimate and today XX/XX/XXXX they are telling me that I never made a deposit for XXXX. 
Im not crazy, y have proof of my deposit and copy of those checks and I do not know what else to do on this situation.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

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

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Credit card

Upon reviewing my charges on my Citi Diamond Preferred Card, I noticed that my interest charge was higher than the previous months ' charges, despite any new significant purchases and the balance was being payed down. I sent a message via the online account managing center to explain the discrepancy. I promptly received a standard response on how interest on a credit card works with no attempt to even address my issue. I angrily responded, attempting to clarify my issue. I received another response, this time with only the last XXXX digits of my credit card number and nothing else. 
I then called CitiCards and was promptly hung up when a representative answered the call ( they know who I was during the automated phone prompts ). I called a second time and spoke to a representative who very confusingly mentioned that I was under a promotion that ended and that my interest rate changed. I did not sign up for any promotion and asked the representative whether or not it was legal for them to just change my interest rate without my permission or notice. The representative then denied that my interest rate went up and again attempted to explain a very simple question, and could not do so. I asked when the promotion went into effect and the representative put me on hold for at least 20 minutes. During this time, she would check with me to see if I was still on the line and I answered in the affirmative. Finally, she came back on the phone to check if I was still on the line and then pretended that she could n't hear my responses and then disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX SERVICESDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute SXXXX XXXX XXXX   # XXXXUnder Dispute XXXXXXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all were filed to ftc
Product: Credit reporting or other personal consumer reports

All collections and charge off accounts needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me email to XXXX
Product: Credit reporting or other personal consumer reports

I have noticed that my records with a particular company contain inaccuracies, seemingly mixed with those of another individual
Product: Credit reporting or other personal consumer reports

I have continuously sent requests to this company without a response. I have no idea who this company is and there is no way they can produce any contract between them and I where I agreed with anything with them. Dear XXXX XXXX XXXX You are claiming I owe you a debts which is inaccurate. Please provide me validation of this debt immediately. ( Account Number : XXXX, Account Types : Debt Buyer ) As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with verification of this debt. Send me validation at once. From the date you receive this letter, cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and I will take action against you. In your validation response, provide me with the following : 1. A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is, when this account was last paid to the original creditor, and an originating document. 4. Proof that the statute of limitations on this account has not expired. 5. Include your license number ( all of them ), and your registered agents information. 6. The original purchase agreement related to these accounts. 7. The chain of assignment documenting the transfer of these accounts from the original creditor to the current creditor. 8. The bill of sale detailing the sale or transfer of these accounts. 9. Validation of the debt, including any supporting documentation that verifies the accuracy and legitimacy of these accounts. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempt to contact me regarding this account other than to notify me of your error by regular postal mail. I am closely monitoring and cataloging all communications with your company. If you do not have validation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit reports. If you continue to report inaccurate information, you are in violation of section 807 ( 5 ) of the FDCPA and FCRA rule 611 ( a ) and subject to a fine of { {$1000.00} } per violation which I intend to pursue if necessary. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 604 ( a ) ( 2 ) which states I have the right to privacy. Furthermore, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. If you do not have the requested validation documentation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit.
Product: Student loan

I 'm a former student of XXXX University. I was forced to take out their privatestudent loans referred to as a " XXXX '' loan '' in order to continue my studies. Iwas not aware that I was out of Federal funding. I took out XXXX loan in theamount of XXXX. A few months later I was told I had to take out anotherloan in the amount of XXXX in order to graduate. So in all, a total of XXXXin XXXX separate loans with an interest rate of 6 % on each loan. I 'm currentlyunemployed, and will only pay XXXX a month on XXXX loan. I was also under theimpression that XXXX students were being awarded relief of 40 % on thesefraudulent loans. As of this day, I have not received any decrease in theamount I owe, and I was wanting an explanation as to why. In my opinion, allof these loans need to be forgiven. This school maxed out your Federal fundswithout your knowledge, and then forced you into their XXXX loans to eitherfinish your studies, or graduate. This school is corrupt, they are thieves, andwhat they have done to so many students like myself, is despicable. My nameis XXXX XXXX, I am a part of the original " XXXX XXXX ''. I made a trip toXXXX on XXXX XXXX, and met with the DOE, CFPB, and Dept of Treasury. Ipersonally asked the representative from CFPB why I had n't gotten any reliefon my XXXX loans, and he said it was being sent out in waves. I check myaccount daily and nothing. I also have not received a letter informing me of thestatus of my relief. 
XXXX XXXX
Product: Vehicle loan or lease

My car got totaled I called Ally Bank for my title they will not turn it over cuz they said I still owe them money for the car and I told him no I don't you got sued in XXXX or XXXX for over financing XXXX  with their vehicles and I was one of them and I got paid a check me and my mother she was the cosigner we got a {$13.00} check a piece so I don't owe you no money you got sued for over financing me a XXXX XXXX for over {$36000.00} and I'd already paid you over XXXX and they still said I owe them {$10000.00} for the vehicle so it would not turn my title over to the insurance company so I can get paid for my car that was total they want the money so I'm calling you and see if you can help me because it was consumer financial protection bureau and the department of Justice that sued are made Ally pay back this money so if you can help me and my insurance company is XXXX and it's the claims department if you can help me with this I appreciate it my phone numbers XXXX and my name is XXXX XXXX
Product: Vehicle loan or lease

LENDMARK opened and charged off my ACCOUNT in ONE year of XXXX that's fine but it has been on my credit report for FOUR years. Negatively impacting my credit score and chances at my unlimited credit. Charged off accounts can not be on my report for several reasons. 

-it is inaccurate reporting once charged off report positively or remove from credit. there is no reason for them to keep reporting negatively on my corporation. that's illegal -charged off is a XXXX certificate of indebtedness which means it is reporting as income, and income can not be on my report. correct me if I'm wrong, I am not an attorney. it needs to be removed immediately. The company was already paid, they are greedy and want to be tendered again, when they received their write off already. I want the 1099 B they filed on me too. They are so greedy and I'm sick of it. 


they can not collect on a charge off because its a benefit of the tax deduction of bad debt. I have suffered injuries as LENDMARK has been reporting falsely on my account to all 3 reporting agencies. They damaged and ruined my credit by reporting " non payment '' knowing they received a write off. " internal credit " they never reported my account to XXXX I know that my purchase agreement was FRAUD, and supposed to be a CASH ADVANCE, but they mislead and deceived me by making me think it was a loan and in FACT IT WAS NOT A LOAN. I gave my car back and have been seriously injured ever since. 

THEIR FRAUD followed me four years and it impacted me so that I can not take care of my off spring, dealing with unspeakable acts to survive without my own vehicle. 

Also they sold my car for XXXX $ + this why the write off is lower.
Product: Checking or savings account

Hello, I have an account with Juno Financial, who has claimed XXXX is holding all funds for all of their clients. XXXX claims XXXX is responsible. I only know I can not access my funds for the past week and everyone is pointing fingers. 

My account number is : XXXX The routing number is : XXXX The balance is : {$760.00} This may not be a lot of money to many people, but it's my paycheck. How do I obtain my funds? Juno & XXXX have said this was done without notice.