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

I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX. I have been paying them on time.They went bankrupt and Westlake Portfolio management which is a debt collector has been calling me trying to get money from me for this car. but they do not have my contract with a wet signature nor are they a lien holder on my car.They sent me information saying i have to pay them {$25000.00} for this car.i only bought the car for XXXX and have been paying for a year so that isnt correct. i call them and try to talk to them about it and my concerns but they just keep demanding payment or they are going to re-po my car.i am a XXXXXXXX XXXX  and i am under enough stress.i feel like what this company is doing is illegal.how can they start a new contract for more money? i do not trust this company and only get angry representatives on the phone.
Product: Credit reporting or other personal consumer reports

My Credit Profile has been used & abused and I didn't give my consent to check my credit ....
Product: Checking or savings account

A check from me dated XX/XX/XXXX was sent to XXXX by the Bill Pay function of Bank America checking. That physical check was stolen out of XXXX 's mailbox. This check was endorsed clearly incorrectly, yet it was cashed by a check cashing company and then honored by Bank of America. 

I have made numerous, well-documented, attempts to have Bank of America XXXX this matter. They say their people have worked on it. Their last communication to me about this was " As of XX/XX/XXXX, the XXXX XXXX XXXXXXXX XXXX responded that their research is still pending. Any additional updates on the recovery of the payment will communicated here in your Bill Pay correspondence. We appreciate your patience in this matter. " I called Bank of America today, XX/XX/XXXX to make further efforts to resolve this. They say that because the XXXX  XXXX XXXX XXXX has not gotten back with them, there is nothing further that they can do. They did not offer to check on the status of the claim with XXXX  XXXX XXXX XXXX. ( I asked them to but they say this is now pending. ) It is my contention that Bank of America failed to detect clearly fraudulent endorsement. ( The name is not even completely spelled out ). It has been 11 months now since the check was written. My phone calls keep getting passed from person to person at Bank of America and no one takes any initiative to see what the hold up is in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

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

I am a victim of fraud someone is using my SSN to obtain things in my name XXXX, trans union and XXXX  has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.
Product: Checking or savings account

I'mpresentlywithRegionBankXXXXXXXXXXXXXXXXXXXXMoXXXX.MyaccountisXXXXrouting#XXXXsocialXXXXI'vebeengettingchargedraftchargesat{$36.00}.peritemplus{$25.00}toreturn.Thisoccurtwotimeperweeksthenitsreoccurthefollowingweeks,checkshasbeengettingranthroughmyaccounts3to5times.Thatcreateanhardshipforme.Pendingdepositbeinmyaccountsaidwillchargefeesreturningcheckswhilefundwillavailable.AnagentofsaidquotaRegionmakemoneyoffoffeesThisisanreprehensiblepractice
Product: Credit reporting or other personal consumer reports

Since the servicing transition to XXXX from XXXX, my credit reports have not updated since XX/XX/year>. Since then, I have paid off XXXX of my XXXX private loans. I disputed the XXXX paid off XXXX balance loans with the credit bureaus, they came back verified as accurate. They are the same balances as they were before they were paid off. How is this accurate if the balance is now XXXX on these XXXX accounts?
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

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

XXXX XXXX XXXX  should not be reporting to Equifax ; XXXX  and Transunion a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX  granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Debt collection

I XXXX being age of majority. I dont have no knowledge of who this company is. I dont have no contracts with them. Theyre committing identity theft, I havent given them expressed writing or implied consent to used the named estate and didnt authorize them to have the named estate private information.
Product: Debt collection

XXXX FIN / XXXX / {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX )/ XXXX / {$600.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Checking or savings account

- XX/XX/XXXX, Cathay bank paid {$590.00} from our bank business checking account to an unknown party. This is fake check. 
- We did not write a check for this payment nor authorized online banking- As of XX/XX/XXXX, this issue has not been resolved by Cathay bank
Product: Credit reporting

I recently found out that I have a Capitol One card on my credit report. 

I also got a XXXX that I never signed up I contacted them and they did n't want to provide me with a contract, receipt etc. 

A credit card from XXXX and XXXX I do n't remember the rest I found this info out because I applied for a car loan and found out my credit score is XXXX. 

I used to be a XXXX, the company I leased the XXXX from XXXX out of XXXX and after 6months ended up buying it with the help of XXXX they were to get me approved for {$24000.00}, long story short the XXXX company I used to work for did n't agree with how XXXX registered the XXXX and they fired me and told me I 'm XXXX and an XXXX and threatened to report me as if i owe them money to my credid report, which is ridiculous. Company is called XXXX XXXX ( dealer & service ) & XXXX XXXX XXXX from XXXX the owner of the company are XXXX. I do n't know for sure if they reported anything false on my credit but would like to find out.
Product: Mortgage

My attorney XXXX XXXX sent Nationstar Mortgage a letter over a year ago demanding them to itemize everything from when I cured the default because they claim I still owe {$600.00} for leagal fees they claim they paid. I cured the default and the loan was assumed. My attorney XXXX XXXX said the amount I paid to cure the default included all fees and peneltys so he was curious as to why out of the blue I owe {$600.00}. XXXX XXXX sent Nationstar Mortgage a letter demanding they itemize and prove I owe the {$600.00}. It has been over a year since he sent that letter and Nationstar has not responded. 
My father died nearly 3 years ago, I sent them a death certificate right after he passed in XXXX, in XXXX I get a letter from them saying they just found out my father passed and wanted to know who was handling his estate?????? 
That 's just it there is no estate of XXXX XXXX XXXX, it was handled years ago by XXXX XXXX and I. How many times do I have to prove it??? 
Nationstar is a horrible company that does not respond to Letters from attorneys and obviously cant file documents I have sent 2 different times. 
I have filed a complaint here on this site in the past for the exact same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX Inquiry Date, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached letter, this account with XXXX, neg information on report, 1 account, is over 7 years old, remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting

Creditor : XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to Equifax , XXXX, and XXXX. I have disputed it and Equifax will not provide me any assistance because they say it was verified as accurate. The issue is that I had a credit card and a car loan. Georgia power is duplicating each account to be spiteful because I threatened to sue them. They are reporting the duplicates with different open dates and account numbers. I only have XXXX auto loan and XXXX credit card. In XXXX case, thy use my member # whereas in the other case they use the account number.
Product: Credit reporting or other personal consumer reports

account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXX and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX XXXX she handled everything with her cousin who has the business Document attached with all supporting information!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i was in the hosipal due to a XXXX XXXX XXXX XXXX and going back in for XXXX they would not help deferr payments they said a XXXX was not hardship then what is wells fargo
Product: Debt collection

I did not consent, nor authorize the reporting of this account on my credit report. This is a violation of 15 USC 1681b - Permissable purposes because it it false, and it violates my rights to privacy and fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 assure 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 reinvestigated. 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. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 

Bankruptcy Chapter XXXX Discharged - - Court US BKPT CT GA XXXX XXXX - Reference XXXX - - Responsibility Individual
Product: Credit reporting or other personal consumer reports

Wells Fargo is knowingly reporting inaccurate data to the credit bureaus. My credit profile is affected by this inaccurate reporting which is SUSPICIOUS and DECEPTIVE. The account is showing closed yet late payments are being reported from XX/XX/XXXX thru XX/XX/XXXX. Then in XX/XX/XXXX through XX/XX/XXXX, an unknown status is reported. Which one is it? Lastly, if the account was charged off, then they reported the account as a reduction in income to the IRS and should be reporting a XXXX balance instead of the balance they are showing. I require the full GAAP accounting for this account. The balances are incorrect. 

By Wells Fargo 's own admission the account was closed on XX/XX/XXXX, per the attached letter from them dated XX/XX/XXXX.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my XXXX XXXX XXXX  and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card for The XXXX XXXX XXXX through Comenity in XX/XX/XXXX. The first purchases and payments processed as expected. I typically pay all my bills using by bank 's online bill pay service, and give sufficient time for the payment to be mailed. And I always pay the entire balance. 

My next 3 bills were paid in the same way through my bank 's online bill pay. Yet all of the payments posted 1 day after the due date. At first I thought maybe I made a mistake and did not give sufficient time, however my payment in XXXX was sent 2 weeks before the due date. Not a single other payment to another credit card company or utility arrived late that month, or any other month for that matter. 

When I called their customer service, they were willing to waive a single late fee, but essentially said that because I did not use the ACH feature on their website, they could not guarantee a mailed payment would arrive on time. 

While frustrated, I decided to make the last payment through their ACH feature on their website. I submitted my bank account information on XX/XX/XXXX, for the entire remaining balance. The due date was XX/XX/XXXX. 

I also requested that the account be closed, as I will not longer be using this card. I received an email confirmation that the account is closed. 

This weekend I received a bill for {$2.00} as a finance charge, which was assessed on XX/XX/XXXX. It is not clear to my why I would be assessed a finance charge when I paid the entire balance and the account is supposed to be closed. 

While collecting documents for this complaint, I realized that all payments, except the XX/XX/XXXX payment, were actually completed by ACH, so Comenity should have received the money very quickly. Making their finance charges and late fees very suspicious for fraud.

I am concerned that Comenity is applying late fees and finance charges inappropriately, and that many consumers are paying fees unnecessarily. I also suspect that someone is holding check payments until after the due date, purely to be able to assess late fees and finance charges.
Product: Debt collection

I have two collection accounts listed w this collection agency. I have been asking for proof of debt, no response. I sent a dispute through CFPB- their response was they couldnt locate my account. I gave the last 4 of my social because that is all the information that I have. I have asked several times to have this removed. Since I havent been given the proper paperwork to prove this is my account. New legislation takes affect that medical under {$500.00} will be removed. Please remove this- I am prepared to seek an attorney to sue you guys for several violations.