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

I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my ChexSystems and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to ChexSystems or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit and disputed this erroneous account. I am now requesting proof of the previous investigation of account XXXX XXXX  account number XXXX. As this erroneous account has been so called verified, I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this erroneous account is of my doing and accurate. 

( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) ( XXXX XXXX XXXX 1997 ) *Information furnished need to be maximum possible accuracy* if you can not provide me with this information in XXXX  days remove the account from my credit file and send me a copy of my updated credit report. If failure to comply I will seek monetary compensation for violations pursuant to XXXX XXXX XXXX.
Product: Debt collection

Sometime on XX/XX/2021, I went to a mortgage broker to see what is needed to buy a house, the mortgage guy pulled my credit report and after reviewing each of the accounts, I found out multiple accounts that I did not recognized. At that time, I did not do anything, because I did not know what to do, since then, asking here and there after a few months, I started to dispute the information with the Credit Bureaus, most of the accounts are gone, I recently received a collection letter, from CAPITAL MANAGEMENT SERVICES , LP, on behalf of XXXX, XXXX, an account that does not belong to me and I am now taking an extra step to complaint on CFPB Website, and I am really hoping to see better results at this time. I have no other reason but to believe that I am a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are continuously inaccurately reporting my personal information monthly, and I request immediate correction. Please delete these names XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, my address is inaccurately listed as XXXX XXXX XXXX XXXX, MI XXXX on my credit reports. This information is not entirely accurate and must be deleted. Under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited to furnish any information relating to a consumer to a consumer reporting agency ( CRA ) if the person knows or has reasonable cause to believe that the information is inaccurate. These credit reporting agencies reporting of my information is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Furthermore, these CRAs do not have my consent to share my personal information with any individual or corporation, violating my right to privacy under 15 U.S. Code 1681b. I am providing accurate information regarding my name and address with my lease, utility bill, and driver 's license. I request that you correct my personal information as outlined above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXXXXXX XXXX XXXXXXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXXXXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX  BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX, XXXX OFF LENDING Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XXXX XXXX, XXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute letter to Experian for inaccurate information that reporting on my credit profile. I submitted dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I am filing this dispute, I am on the phone with XXXX at Experian in the fraud department. He indicated that the accounts that I disputed were all coming back verified as accurate. I asked him how are they verifying the information and he stated that they contact the creditors directly. I then asked him why haven't I gotten correspondence back from them indicating how and where they had gotten this " so called '' verified information, and he told me that " b y law they are not required to tell me where or through whom they verify the accounts that I am disputing ''. Which I know via FCRA is incorrect. The credit bureaus are required to provide you with the reporting agency that they recieve their information from. XXXX told me that whatever the creditors tell them, that is what the report as valid. He told me that verifying information is strictly between myself and the creditor, and they do not send anything to the consumer about their method of verification. I know that my rights are being violated and I am livid that these creditors are given so much power over the erroneous information they are allowed to put on your credit profile. I have submitted proof of my identity to them, XXXX yet when I call the phone system to speak with a representative, the automated system says they can not verify who I am, then ends the call ), I have a paid membership with Experian.com, my personal information was breached during the XX/XX/XXXX XXXX  data breach, I have submitted police reports to Experian and I have verbal confirmation from XXXX  that they have in their possession my police reports indicating identity theft through FTC in their system, yet Experian is telling me that accounts I know are not mine will not be deleted because the creditors verified to them to be accurate. I believe this private company 's intention is to purposely continue to report inaccurate information about consumers, with the hopes of monetizing from them. I am disgusted with Experian and their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I reported these issues to the Equifax They are refusing to take it off my credit report these Fraudulent hard inquiries The first one was XXXX XXXX I get back in the country on XX/XX/2021 and see some bunch of inquiries I asked them to take it off they refuse they are saying that the company is reporting that is me I called each one of these companies they they stated I did not apply anything and send letter to me stated they have not found no inquiry with my name on it from them so they can not help me I have to care XXXX XXXX to court for them to remove it off my credit report because Equifax is supporting fraudulent activities on XX/XX/2021 We went to court which bank XXXX XXXX in XXXX it is not their fault if equifox is reporting fraudulent things are not reaching out to them but they will work with me to resolve the issue it shouldnt be me taking banks to court that is causing me money to do Equifax work it is unfair and I need someone to help me talk to these people I will find a way to sue equifax for each damage they have done to me and I will need help with that
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter Portfolio Recovery asking for : 1-validation of the debt-that is, the actual accounting. 
2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. 
not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. I am the consumer I am the only that can validate a debt and that debt is not mine it is not true.15 usc 1681 a XXXX states that you have to do interviews with my family associates and neighbors. XXXX did not do that.
Product: Money transfers

I have been charged back a payment I received from a friend 's husband/boyfriend for {$250.00} ( because the funds were paid to paypal with a credit card and the payer subsequently disputed the transaction an unauthorized ) and was charged an additional {$20.00} fee. I was asked by this couple to receive their funds and XXXX XXXX them the cash becaue they did not have access to their paypal card. They sent me several amounts and I provided paypal with documentation that I then sent the funds via XXXX XXXX to the couple. The couple is defrauding paypal and paypal, who accepted the " unauthorized '' credit transaction, has transferred the liability to me. Which is illegal. Upon several calls totaling about two hours, paypal has maintained that they will continue to charge my account for the " fraudulent '' transaction that they accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Audit is reporting false information to my credit report for XXXX XXXX since XX/XX/2017 for XXXX, XXXX and XXXX XXXX is reporting XXXX for XXXX XXXX XXXX. 

Both companies have failed to remove these items off my credit although I provided proof of identity theft police report.
Product: Credit card

I applied and was accepted for an American Express XXXX XXXX XXXX Credit Card on or around XX/XX/, with a welcome offer of XXXX bonus XXXX XXXX upon meeting a minimum spend ( " Threshold Amount '' ). Here are the terms of the bonus offer : " Card Members who apply through this offer and are approved for the XXXX XXXX XXXX XXXX can earn XXXX Bonus Miles after {$4000.00} or more in eligible purchases are made on the Card within 6 months of Card Membership. '' I met the Threshold Amount on XX/XX/2023. According to the terms of the welcome offer, " Bonus miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. '' It has been 19 weeks since I met the amount, and I have not received my miles. 

I contacted American Express and spoke to an agent at least seven times since XX/XX/2023 attempting to resolve this issue. According to American Express, this is a known technical issue within their company leading to a delay in processing the miles. I have been assured on the record by multiple American Express representatives that I would receive my XXXX miles ( a value of nearly {$1000.00} USD ) within a few weeks each time I reached out, and I still have not received my miles, which I am owed per the terms of their agreement.
Product: Consumer Loan

I am the victim of identity theft and became aware of that when my wife died in XXXX of XXXX. I filed the police report and I went to court when Banks claimed that maybe I used an alias. The process of this identity theft is ongoing and has not ceased even up till today. American Honda Finance loaned money for car back in XXXX and I found out about this at the end of XXXX. I told them back then that I was not in the country when that car was purchased. I provided proof of that to my attorney and they made that claim to XXXX along with the other things that did n't match my identity period American Honda Finance said that I did n't meet the burden and I 'm saying that they are lying and looking at information that did not come from me and they ca n't prove that I signed or was even in the country when that car was purchased. Please have them say what proof they have besides false documents and information that does n't match mine at all. 
The XXXX is aware that a license was obtained online fraudulently and they refused to give me a new license number because they did n't give it to the fraudulent person in person it was done online. And I have not lived in North Carolina since XXXX of XXXX XXXX years ago. My attorney submitted to American Honda Finance my social security card and my South Carolina license and yet those things are n't in the possession of American Honda Finance and yet they think they have a claim still. I asked very respectfully for them to prove to this entity what they think constitutes me being in two continents at once.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute three inquiries listed on my credit report that I believe are not mine. Upon reviewing my recent credit report from Experian and XXXX, I noticed the inquiries that I did not authorize
Product: Prepaid card

On XX/XX/XXXX, we activated our american express prepaid gift card. On XX/XX/XXXX, we tried to use it to make an XXXX purchase, however, it was declined. We also tried to use it to book an XXXX  stay on that same day, it was declined as well. However, the payment went through on the XXXX app while it was declined on XXXX and XXXX. So it seems that this card only goes through selective websites. We called customer service on XX/XX/XXXX, and they were no help! They told us to try using the card elsewhere when its clearly stated that This prepaid American Express Gift Card or Business Gift Card ( this " Card '' ) may be used at U.S. merchants that accept American Express Cards. I have another Amex credit card that Ive been using for almost 8 years, and I have used it on both XXXX and XXXX, never had an issue. But this card wont work. Customer service also told us in order to issue us a refund check for the remaining balance, we would have to provide a receipt for the purchase of the gift card. We were given this gift card as a promotional gift by our apartment complex for leasing our apartment, we were not given any receipt! And now we have almost {$1800.00} stuck in this gift card thats useless.
Product: Credit reporting or other personal consumer reports

I have requested removal of inaccurate information over 5 times from my report. Company never updated with accurate information. No proper investigation was ever done.This has caused me to be denied credit, employment, and tarnished my reputation due to inaccurate information. I am requesting that this account be deleted from my report asap. The pay history is incorrect and incomplete. The payment term is incorrect. The balance is incorrect. The payment status is incorrect. the payment amount is inaccurate. This account had caused me personal hardship and needs to be removed from credit report due to inaccuracies. XXXX XXXX Washington XXXX XXXX ) account # XXXX
Product: Debt collection

I recently submitted a claim about a garnishment on debt that I received requesting more documentation. The documentation provided back doesnt make sense. If the original debt was purchased in XXXX, and I supposedly missed a court date and the garnishment got defaulted to Portfolio Recovery and they state the garnishment was sent in XX/XX/XXXX years later and now Im being garnished in XXXX for the same supposed garnishment that was sent in XXXX something doesnt add up. I would think first and foremost this debt would be over the statue of limitations and secondly I need more information on what was sent and where from XXXX to current that would justify a garnishment 6 years later with no information provided to me in that timeline or chance to respond to the claim. The letter that was provided in part to there response is dated XXXX.