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

My identity was stolen in early XX/XX/2022. I immediately froze my credit across all three bureaus, followed the guidelines on the FTC, created a fraud alert, and have a police report. In XXXX my reports across all three bureaus were unfrozen without my consent. I was able to refreeze XXXX  and setup a pin. As of today, it appears that XXXX has not been unfrozen ( great! ). My complaint is against both Transunion and XXXX. Multiple days so far in XXXX, my credit has been unfrozen at both of these credit unions, without my consent. Despite calling both organizations and discussing this with customer service, I was told there is no way to secure my account. At one point, while talking on the phone with customer service at XXXX, another user called in on another line, and requested my account be unfrozen, and they obliged! I watched on my online account as the indicator noting the freeze had moved between frozen and unfrozen, while I was logged in. The only information needed when a caller calls transunion or XXXX is SSN, numeric portion of your address, date of birth, and zip code. All of this information has been compromised for me, so someone continues to call bureaus and easily unfreeze my credit regularly now. Almost immediately after it is unfrozen, I receive hard and soft inquiries for credit unions, banks, cell phone accounts, etc. Is there absolutely nothing I can do to make this all stop? I have absolutely no power to control my credit being frozen, and that is unacceptable. Help!
Product: Consumer Loan

( continued XXXX ) She came back to the line and asked me to call Danco back. I called them back and spoke to XXXX again. He told me that Danco could n't take the payment because they had n't taken on the terms of the lease because it was too low and I 'd have to take it up with XXXX because the car still belonged to them. I asked him so who am I supposed to pay my carnote to and he told me to call XXXX again. By this time they were closed and I was soooo frustrated! When I got home later that evening I was doing a client and I saw a tow truck pull up outside. They asked me did I want to get anything out of the car because they had been sent to repo the car. I was so confused because they would n't let me pay the car note but they were going to repo it and it had only been 6 days since the payment was due! My brother drove the car off because I did not want a " repossession '' on my credit history. I parked it in a garage and called them at daybreak the next day. I spoke with XXXX at Danco and for 2 days he tried to convince me to either 1. Sign the new contract 2. have the extra payments placed at the end of my current contract or 3. Find another car of lower value or 4. Have the payments taken out of XXXX Chexk since it was her fault. All of this just placed me in a highly XXXX situation as if I had n't been through enough with them I was in jeopardy of not having a car again, but I was n't going to pay more. So I told him they could just get the car back and take me out of the contract and give me my money back, because if it would be that easy to sign a new contract it 's just as easy to release me from one.. he said I was correct but he felt like I was going to be a good customer and that he would just pay the {$1500.00} out of his pocket. I agreed and I 've had the car for 4 months since and have paid my carnotes but I just recently found out that my license may be suspended because the tickets STILL HAVE NOT BEEN PAID! I risk going to jail and I have a baby. This is asinine and EXTREMELY ridiculous that these people have taken me through all of this XXXX for almost a year now and on top of it all they sent me a XXXX IRS form for the XXXX XXXX, stating that they 'd reported the vehicle as income as if they 'd either given it to me or I 'd paid for it, either way all of these things will take almost a lifetime to be rectified and resolved. I 'm so frustrated, I believe a civil suit may be best.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} Status Account charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3200.00} Status Account charged off. {$3200.00} written off. {$3200.00} past due as of XX/XX/XXXX. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. 



not mine : remove it : XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Resident XXXX XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX CT XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, VA XXXX Resident XXXX Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX type Apartment complex
Product: Debt collection

Mcneil & Meyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Mcneil & Meyers, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Mcneil & Meyers has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Mcneil & Meyers promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Mcneil & Meyers to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Mcneil & Meyers , as provided under Section 616 of the FCRA. Done in good faith.
Product: Debt collection

I sent a validation of debt to Central Financial Control on XXXX XXXX XXXX. In that letter I have asked the company to provide the HIPPA release form with my signature to protect privacy and medical records from a third party. They have failed to provide this information to me. 
I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always been set up on Automatic payment on my accounts but I have 1 late pay from two different accounts with a company. I have tried disputing and getting an explanation but i haven't. The website didn't take my payment a month I guess but I should not be suffering from from that with a lower credit score. It wasn't my fault. Please assist me in getting these late pays removed. The bureaus are no help. They are not even processing my investigations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax, XXXX XXXX immediately. 

XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX  {$2700.00} XX/XX/XXXX
Product: Credit card or prepaid card

Amex scammed me on additional card member fees. When I signed up for additional card members I made it clear to the agent that the cards would only be useful to me if I could get the priority pass benefit by XX/XX/XXXX. The agent assured me that I could. By XX/XX/XXXX I was still unable to get the priority pass benefit promised to me. I canceled the additional cards. American Express still scammed with a {$170.00} for these cards I never used and never activated. This is a fraudulent charge from American Express themselves. They just completely lied about this benefit and when it would be available. They have since refused to refund this fraudulent {$170.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to Equifax 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with  any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX  right?
Product: Mortgage

XXXX/Lakeview Loan Services has been attacked in a ransomware incident. During this time, they have provided no information as to the extent of the information compromised and what if any actions are being taken to mitigate the damage. In addition the replacement website they have created makes no mention of this incident and simply asks that you reenter your bank information. How are we to be assured that this site is a ) not a spoof by the hackers, and b ) any safer than the previous site? The lack of transparency is appalling.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and notice some unauthorized inquiries reporting. 
XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

On XX/XX/year> I requested navy federal credit union to stop contacting me, through the NC doj state attorney general 's office. But they sent me a letter dated XXXX, XX/XX/year> about the debt in question, informing me about it, after I told them never to contact me again. They have violated the cease and desist order from the NC doj state attorney general 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I recently reached out to TransUnion and XXXX to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.
Product: Debt collection

After sending repeated correspondences to a creditor called ERC to have my account removed from their database, which is being reported to all 3 credit bureaus as a collection, which is no avail. I have repeated sent letter after letter to have them address this matter only to have the say that I owe them. I have asked for valid proof that I owe them, which I also asked for a valid signature with validating this alleged debt. I have exhausted all my options other than go to small claims court.It is my hope that CFPB could assist me in resolving this matter in quick and decisive response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, it came to my attention that there was a XXXX card opened and charged using my social security number when I was looking at my credit report. Account Number is XXXX. When I called XXXX, they gave me a my name, but a mailing address other than mine. I DO know this person and gave XXXX all of my valid information, as well as the information of the person that opened the account. This person has since admitted to my wife that she opened the account. 

The issue is, there are two accounts on my credit report ( XXXX XXXXXXXX XXXX and RESURGENT / LVNV FUNDING ). One shows in collections with a balance of {$850.00}. This account is not mine, the mailing address is not mine, and I have never used the card. XXXX has been no help. 

The person who opened the account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX
Product: Checking or savings account

I got into contact with XXXX XXXX later changed her name to XXXX XXXX on XXXX. She said she would transfer me {$130.00} to my Bank of America checkin account so i gave her my account number. But accidentally she sent {$1300.00} and asked me to send the difference back which was {$1100.00}. But later i realized the money she had sent me was not done by her but it was actually a temporary credit given to me by the bank. I went to bank but the manager said that don't worry about it the bank has given you temporary credit.She also said just the account number will not harm my account. But i wasn't satisfied with her response so i called the customer service to ask them what temporary credit was and why was there a claim number on the {$1300.00} amount because i didn't file any claim. They were of least help to me. Now i have got a letter from the bank stating that they will withdraw {$1300.00} back. I don't know how that person called on my behalf and asked for the temporary credit without having my credentials. I don't understand this loophole of the bank. They are asking to pay {$1300.00} which i didn't ask for. I really don't understand what's happening here. The customer service won't listen to my problem as according to them they sent a One Time Password to registered number to authenticate that person but they won't tell me the what number it was. But i am sure the only number that is linked to my account is my number and I didn't get any One Time Password on my number. Bank of America is not reliable at all. This is the case of identity theft as well or maybe bank didn't authorize the other person accurately and gave the temporary credit without any serious authentication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identify and opened a credit card with BestBuy/Citi on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to Citi Card ( Identity Theft : XXXX ) and Best Buy Fraud department ( XXXX ). Best Buy Fraud said they will start an investigation, which may take 3-4 weeks to conclude. Citi Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the BestBuy/Citi card from my report. XXXX did nothing of the kind. I am still waiting for XXXX to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at Citi/Best Buy? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. Thank you!
Product: Credit card or prepaid card

I signed up for the BoA XXXX XXXX Credit Card because it states you get XXXX bonus points if you spend {$3000.00} in the first 90 days https : //www.bankofamerica.com/XXXX I spent the {$3000.00} and never got the credit - I tried calling and they said that the bonus wasn't available to me - I spoke with XXXX, a customer service manager and he gave me this reference number XXXX They said that it was an " online only '' offer, and that I had not applied for the card correctly. This is blatant false advertising, as I would NEVER have signed up for the card if not for the rewards. 

By the way, they charged me {$95.00} in annual fees immediately after opening. They stole money from me
Product: Credit reporting or other personal consumer reports

The XXXX XXXX credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and saw an outstanding auto loan for {$15000.00}. This was not purchased by myself and was done fraudulently. I have tried to dispute this with not only the company XXXX XXXX XXXX XXXX ) but with the credit bureaus as well. Still no one has been able to remove this from my credit. I dont even know what kind of car it is!! And it has never been paid on. This is putting a damper on my credit and causing an inability to purchase a vehicle for myself and a home.