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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account as charged off. XXXX XXXX can not collect on a discharge debt. 

Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. 

Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with XXXX XXXX is not public information and should not be released to Equifax. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore Equifax does not have my written consent to release my non public financial information.
Product: Mortgage

In late XX/XX/XXXX, I scheduled payment through their website on XX/XX/XXXX to avoid late fees. The system accepted my request and showed the same on the screen. However, unbeknownst to me ( and without my action or permission ), Flagstar just changed the date to XX/XX/XXXX so as to charge me their late fee. This was some kind of technical error on Flagstar 's fault.
Product: Debt collection

I pulled my consumer files to check what is on there and I seen that Affirm did a charge off and has a balance. Plus they still have an old address on file. 

So I called Affirm and they wanted to verify XXXX items to confirm that it is me. I confirmed my name, phone number and date of birth but I don't use the email that they have on file nor do I want to deal with them electronically. They guy said that he couldn't move forward, I asked for a manager and he said that he couldn't pass me along until he got my email address so I hung up and called back. The second guy pretty much said they same thing and again I asked for a manager. The manager gave me the same spill but I told him that I don't give permission for them to send anything electronically so there was no since in them having my email address. 

He jump to the next thing which was to update my mailing address, when I gave him the information he said that he can't accept XXXX XXXX XXXX. Well that is the ONLY way I get my mail I told him. Then I explained that the reason I wanted to update my mailing address is that they need to send me a 1099-C he still said he can't accept it so I let him know that I was putting in a complaint that I was doing my part to make sure they had the correct info. On the first call I recited my address and since the calls are recorded they do have my correct information whether they like it or not. 

I also had sent them a couple of negotiable instruments which I never did got returned so I am sure they deposited and got their money.
Product: Debt collection

On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to XXXX XXXX XXXX, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with XXXX XXXX XXXX he said it was for a loan in 2017. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that XXXX XXXX XXXX knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called XXXX XXXX XXXX and they said I owed a debt for {$250.00} not {$700.00} from 2017 and I asked if I could verify the loan but XXXX XXXX XXXX stated that I'd have to call jtm cap mgmt at XXXX. I XXXX  that company and filed a XXXX  complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX  ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling TRANSUNION and XXXX  to remove this inquiry. Also attached is proof these companies are still reporting this inquiry.
Product: Debt collection

Keep getting calls from comentity bank. I have had over 4 accounts open with that bank and it has never been me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was able to get my Experian Full Credit Report I HAVE BEEN LOCKED OUT I was responding to there now known to be a lye I was on phone with XXXX for almost a hour with XXXX as she verbally disclosed the only time there was activity was in XXXX when XXXX reported such debt and has never according to records a dispute was even initiated from any agency meaning Experian Report # see attached a error or a lye as well there response to you I taken this quiet seriously and CFPB needs to publish and my document attached for public review and to aide in existing law suit against Experian, XXXX has indicated there was a account in my name however it was a transfer of account into my name however no signed contract and or bearing my signature HOWEVER IT WAS CREATED ELECTRONICALLY and would not reveal were it originated from, I have also reported this to FTC and the derogatory information AGAIN does not meet the federal reporting act as well proof Experian has and still operating and handling out of good faith
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, entered into a consumer credit transaction with XXXX XXXX XXXX which the account number is XXXX went into default and the debt was sold to a 3rd party debt collector. At the time, I didn't have an understanding of the laws under the FDCPA, TILA, and FCRA. As a consumer under these federal statues I am protected. Under FCRA 15 USC 1681 ( a ) " Accuracy and fairness of credit reporting. ( 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. I have sent in multiple disputes to the 3 major " credit Bureaus '' ( XXXX XXXX, XXXX, and Experian ) who congress has defined as a elaborate mechanism trying to get this situation resolved and this information removed and they response was ... ( see attached file ). In that letter you will see that i attempted to get this information removed and i quote " Our records reflect that you submitted the same dispute to us one or more times. '' XXXX XXXX XXXX said they investigated the situation but have not provided any proof of that investigation. I DEMAND that this information be removed IMMEDIATELY under 15 USC 1692e ( 8 ) " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I never gave XXXX XXXX XXXX or the elaborate mechanisms ( XXXX XXXX, XXXX, Experian ) permission or consent to furnish this deceptive information on my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX .That made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXXXXXX XXXX. It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX , that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXXK complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiry and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiry and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiry and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Payday loan, title loan, or personal loan

On XX/XX/2020 I entered into a Tittle Loan with Rapid Auto Loan, LLC. The amount I borrowed was $ XXXX@ 31.54 %, which I thought was too high, but because of my financial hardship due to the Covid-19 pandemic I felt that I had no choice in taking the loan, I did not have a job at the time of the loan and due to me not finding employment due to the pandemic. I reached out to Rapid Auto Loans, LLC and explained that I was unable to repay the loan, due to my extreme financial hardship. I was told by Rapid Auto Loan, via text that my payout to avoid repossession was {$3000.00}, which is 200 % of the amount borrowed, ( screen shot attached ).

It is my belief that Rapid Auto Loan, LLC engaged in a predatory action in loaning me the money, knowing that I was not working and wouldn't be able to repay the loan, in which they could repossess my vehicle.
Product: Student loan

Was encouraged to apply for forebearance instead of income driven repayment. Was never told that forebearance opportunities were limited. I applied for income driven repayment after doing research on my own. Now my husband lost his job and is struglling to find a new one and I am struggling to make payments having already missed a few and abput to miss another.
Product: Credit card or prepaid card

In Mid XX/XX/2018, I completed an application for the Capital One Venture Card with the following terms : 0 % interest for 12 months for balance transfers and no balance transfer fee. There was also a promotional rate for new purchases. I was approved for the card at the time of the application with a {$10000.00} credit limit. 
I went on line to complete a balance transfer and received a message that I needed to wait so many days to complete a balance transfer. I waited the specified days and returned to my online account. The balance transfer rate was 20 %. I contacted Capital One on several occasions towards the end of XX/XX/2018. On XX/XX/2018, I was told by the employee that I spoke with that I indeed did have the 0 % for balance transfer and new purchases. He told me that I could complete the balance transfer on line even though the other rate displayed and that the promotional rate would be given. 
In early XX/XX/XXXX I noticed that I was being charged an interest rate of 23.74 %. I have made multiple attempts to contact Capital One to have this issue resolved. 
I asked for the call at the end of XX/XX/XXXX to be pulled. Staff at Capital One acknowledged that one of their staff members told me that I indeed did have a 0 % promotional rate on balance transfers, however went on to state that the information he told me was incorrect and that they were going to use this a teaching opportunity for the employee. I was also told that since I could see the rate on line essentially that I am out of luck. 
I have refused to accept this as an answer. Two weeks ago on XX/XX/2018 I called and my call was transferred to XXXX in the executive office in XXXX XXXX, Nevada. She indicated that she would be handling my case, assigned case number XXXX and stated that she would call in 1 week with a status update. I did not hear back in the specified time and called on XXXX-I initially spoke with a XXXX on the east coast who diligently tried to assist me and transferred me to a supervisor who then transferred me to XXXX voice mail. I left a message and to date have not received a response back from her. I called again today XX/XX/2018 and spoke with a XXXX who told me that my case has not even been assigned. He kept saying that they are back logged and when one case is closed the next case is assigned. 
I am requesting that the call from XX/XX/2018 be pulled and the promotional rate be honored by Capital One. I have been charged in excess of {$200.00} in interest in 2 very short months with no action from Capital One. 
I appreciate any assistance in this matter. 
On another note Capital One has my SSN incorrectly listed. This was conveyed to XXXX on XX/XX/2018.
Product: Credit card or prepaid card

Card opened without my permission or knowledge in my name. Thousands charged on card and even fraudulently paid by my XXXX business account.
Product: Debt collection

I missed some payments with this credit card company sue to some financial hardship at the moment. Immediately they reported the missed payments to the credit bureau by putting the amount outed into collection which damaged my credit very badly.
Product: Credit reporting or other personal consumer reports

I need help removing these fraudulent accounts that where not open without my knowledge. I have been trying to dispute this accounts that where caused by fraud for over a year and the bureaus have removed very little. What can i do to get help
Product: Credit card

According to RS 29:312, XXXX XXXX members stationed in XXXX are entitled to have all debts reduced to at least 6 %.
Product: Credit reporting or other personal consumer reports

Hello I paid the company two different times {$120.00} dollars each time to remove things on my report and they never removed them and was still charging my card.I still have the inquiries on my report.
Product: Vehicle loan or lease

1. I am writing to you today to resolve ALLY Bank ( XXXX # XXXX ) This account is related to XXXX XXXX XXXX, which was totaled XX/XX/XXXX. 
a. The vehicle was insured by XXXX and a checking for XXXX was issued to ALLY on XX/XX/XXXX. ( check # XXXX ) b. There was an unpaid balance which was subsequently paid by the GAP insurance ( Though some extensive efforts ALLY received SAFE GUARD check and I was told by their employee it will be back dated to XXXX ) c. ALLY Bank utilize the XXXX check for monthly payments thus showing continued payment on this loan. My last payment to ALLY was in XX/XX/XXXX. 
d. ALLY did not file for the GAP insurance payments until XXXX ( something they are responsible for ) e. Ally shows an incorrect balance on this account which should be XXXX and paid for without any late payments. 
f. I spoke ALLY many times in XXXX trying to resolve this issue while I was deployed. I subsequently email XXXX XXXX. XXXX XXXX Executive Officer and Director, Ally Financial Inc. with no response. 
g. I have contacted the three credit reporting agencies with supporting evidence and Ally subsequently place a higher balance on my account causing my credit score to drop several points.

2. Ally currently has two separate accounts on my credit profile XXXX ( showing charged off ) and XXXX ( showing late payments ) a. I had only one account with ALLY Bank! 
b. Together these two accounts have ruined my credit for seven years.
Product: Vehicle loan or lease

Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, XXXX XXXX XXXX - Banking did a charge off on a balance and closed my account. The account is listed as closed with Experian. However, XXXX XXXX  has submitted a new charge off for the same one-time charge off monthly since XX/XX/2017. My credit report says there are XXXX separate and distinct charge offs. XXXX  decreases the amount on a regular basis and submits it as a new charge. It has prevented me from getting credit and employment. I contacted XXXX  with copies of the Experian report as well as emails from XXXX  showing that I tried to pay the balance. The materials were forwarded to the head loan person. I received an email requesting the same information I had sent. I have not heard from him since. I spoke with Experian. The representative said they are all new charge offs. Can XXXX take one charge off and list it as XXXX separate new charge offs monthly for several years?
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 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 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 and XXXX, XXXX. XXXX. Please delete these accounts ASAP.