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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I originally sent this complaint to The Federal Reserve Consumer Help. They advised that I contact the Consumer Financial Protection Bureau. 
Institution Name : Deutsche Bank Trust Company Americas Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Individual Originally Contacted Regarding My Complaint - XXXX XXXX XXXX XXXX Complaint : I wrote a letter to XXXX. XXXX XXXX XXXX for help in opening an account with Deutsche Bank with {$14000.00} XXXX XXXX issued in Traveler 's Checks. I mailed the letter via certified return mail receipt. I mailed the letter on or around XX/XX/2022. I received written confirmation of the receipt of my letter XX/XX/2022. I have yet to hear from Deutsche Bank Trust Company Americas.
Product: Debt collection

I took out a payday loan that was eventually included in my bankruptcy back in 2011. Since then, every 6 months I get a batch of phone calls from a new company who purchased this bad debt and sold it to another that does the same and so on. This latest company, Direct Capital/XXXX, has had it for some time and is relentless in their phone calls. Even worse, they are calling my parents who tell them I do n't live there but it does n't deter them from calling. I have actually spoke with various representatives and explained my situation, gave case numbers, etc. and many have 'found ' my bankruptcy and assured the calls would stop within days. They do n't. I contacted my bankruptcy lawyer who says to use the words 'harassment ' when dealing with them, as this is what it is at this point, but yet the calls continue. My parents are looking to me for a solution, for which I have none. Worse yet, the number they leave, XXXX says they are unable to answer at this time ... and never are.
Product: Vehicle loan or lease

Our lease on our GMC XXXX completed in XX/XX/XXXX. We received our final bill that included the excess miles which we agreed were correct in XX/XX/XXXX. We immediately sent a check for the full amount and it was cashed, see attached. I also sent back the bill along with the check ( but did not keep a copy for myself since this was the 1st time we have ever gone over miles I never in my life would have thought such a issue could arise ) Every single month there after they called us and sent bills. Each bill was returned with a copy of the cashed check as proof it was paid.

Every phone call they made to us ( and it was a lot ) we spoke to someone who could not speak English well enough to understand that we sent the check already and it had been cashed. No one could understand this. After several months of this going on ( literally 15-20 calls a month! ) I demanded I speak with a manger. They put on the line a man who spoke English very well and he apologized for the error. He looked into our account and said that it was in fact paid and he isn't sure how this went so long without anyone fixing it. From that point forward we have never got another letter or bill so I assumed it was fixed. 

Fast forward to XX/XX/XXXX, I applied for a credit card and was declined due to GMC putting a very late over 120 days payment on my credit. I believe it to be on my husbands credit as well. I have tried to reach someone at GMC financial to get this removed and have been unable to get anyone who can help me. 

They are falsely reporting we did not pay. We paid the invoice as soon as it arrived and now I'm not able to get a credit card for my small business. This is very upsetting and cost me hours and hours of time to get it straight. A bank person recently suggested I reach out here. I am so hopeful you can help get this fixed and remove the damage that has been done to our credit incorrectly.
Product: Checking or savings account

On XX/XX/2018 Citibank charged me an overdraft followed the monthly service fee. However this is different from what mentioned in the card member agreement. 

" Our overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction. You will be charged no more than three ( 3 ) overdraft and insufficient funds fees per day for Consumer accounts. " Definitely, monthly fee does not belongs to check, ATM withdrawal, debit card transaction. Moreover, I have never opt in overdraft protection and the overdraft fees ( As the attached files ) should not be charged. 

I talked with the citibank banker before, they said they can not waive the fees for me.
Product: Consumer Loan

On XX/XX/2015 I went to the Car Max dealership looking to buy a car. I purchased a XXXX. The sticker price on the car was {$13000.00}. The interest rate was 8.95 %, which I felt was way too high. Also, the price of the car I feel was very high. Amount financed was {$16000.00}. Total of payments was {$21000.00}. Financed for 72 months at {$290.00} per month. Also, put {$500.00} down and purchased a warranty of {$1300.00}. I am a senior citizen with only {$1400.00} per month.
Product: Debt collection

Please review the attachment. Remove the inquiries and place an extended fraud alert on my credit report. After reviewing my most recent credit report I have reason to believe I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected toeliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00}
Product: Vehicle loan or lease

I was losing my job, I called the XXXX XXXX and told them I was losing my job they told me If I turned the car in it would not be on my credit. because it was a voluntary repossession the cars was in great shape. 
if you look on my credit I was never late, was on time .. but I new I could not afford the car
Product: Credit reporting or other personal consumer reports

Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : Account Name + Account Number : XXXX. XXXX XXXX XXXX # XXXX. XXXX. XXXX XXXX XXXX # : XXXX. XXXX. XXXX XXXX XXXX # : XXXX. 
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( XXXX ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).. 
Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with. 
XXXX. The documentation used to verify the dispute. 
If you are unable to respond in ( XXXX ) ten days and provide the above items, delete the account ( XXXX ) immediately from my credit report to prevent further damage.
Product: Credit card

I was charged repeatedly for XXXX purchases sn hour away from where I live and work. Totally XXXX XXXX I did not visit any of the locations. I dont use credit cards for fast food. I have talked to chase and their team have twice told me I did and am responsible for charges. I did not make them and dont even know the location. My son works for a credit card company and looked up what town they were made in. I have never eaten nor been at any of these restaurants.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX any permission, consent, nor permissible purpose to share or disclose any of my information with non aliated 3rd party company such as credit reporting agencies. Pursuant 15 USC 1681, 1692, and 6801, I have a right to privacy. My private info should remain private and not shared with a 3rd party non aliated company with out my consent. XXXX XXXX shared my private nun public personal information without my consent, and by law this constitutes as aggerated identity theft. I did not give XXXX XXXX any written instruction, or consent to share my non public personal information, or to furnish any information on my consumer report. 15 USC 6802 states XXXX XXXX is not obligated to disclose any non public information to a 3rd party non aliated company unless they provide me the consumer with a notice that complies with sec 6803 of this law. I have never received any statements. XXXX did not protect my privacy and non public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to fix this issue with XXXX XXXX and Experian concerning the XXXX XXXX account. I have informed them several times how the account is not reporting accurately on my credit report. The EXPERIAN is reporting that the account STATUS IS LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE. 
The XXXX is reporting STATUS : CLOSED / payment after charge off/collection settled- less than full balance. 

It has now been eight months that I have tried to get this item removed from my credit report for reporting incorrectly XXXX XXXX and Experian have failed to do a proper investigation. They continue to let the an accurate reporting continue month by month while continuing to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

" NEW ISSUE '' Trans Union and XXXX are both breaking the law! XXXX has police report documentation which specifically states my identity and my accounts were fraudulently used. They have specifically violated the Fair Credit Billing Act and Truth in lending Act. They are NOT supposed to report fraudulent balances under these laws. Their fraud investigation failed to contact Detective XXXX XXXX as my credit cards were fraudulent used. I DID NOT authorize or give someone else permission to use any of my cards my life was threatened and a crime was committed against me. The police reports overrides their investigation and the FCBA and TILA are federal laws that both Trans Union and XXXX are both exploiting and ignoring the law. So I am continuously filing complaints against both with the CFPB. Continuously reporting this XXXX account on my credit reports is a willful and direct violation under the FCRA section 623 and FCBA and the TILA acts.
Product: Debt collection

LVNV is trying to collect a debt for an account I've never had. I've never used a credit one bank. This is fraud, LVNV lies and threatens to damage my credit. They won't provide the proof or the original application. They have the wrong info. They also won't provide that they are able to even collect in my state of texas. 
XXXX  Report # : XXXX LVNV Accounts : XXXX, XXXX
Product: Checking or savings account

I deposited {$400.00} into atm at usbank branch on XXXX XXXX XXXX I'll XXXX after I inserted money into the machine I got a receipt saying they are unable to credit my account or return the money I attempted to deposit. I don't have the luxury of being able to wait around for this money my money is needed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax disputing an account that is false being reported on my account. The account in question is - XXXX XXXX XXXX XXXX XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. This debt is old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has XXXX my rights XXXX XXXX XXXX  Account XXXX XXXX has violated my rights XXXX XXXX  XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C section 602 A. States i have a right to privacy 15 U.S.C Section 604 A Section 2 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 other adverse item of information other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate
Product: Mortgage

This is regarding a case I filed previously about US Bank. The case number was XXXX and your site started that it was closed. I submitted my feedback, but I want to follow it up with a new complaint until this matter is resolved. 
The US Bank issued a line of credit for {$190000.00} to XXXX individuals named, XXXX XXXX & XXXX XXXX in early 2023. These two individuals have no relations to me, but this loan appeared under my name and address. Since this wasn't a loan that I applied for, I reported it to US Bank as a fraud. This loan appears under my name and my address. After three months of investigation, their cookie cutter response was that there was no fraud and that I'd be responsible for this loan that wasn't even opened by me. They sent me the line of credit contract that is under XXXX XXXX XXXX XXXX XXXX with loan # XXXX and their response ( attached ) is that there is no fraud and that I'm responsible to pay off this loan. One of their representative told me that whatever issues I may have with my current loan company ( XXXX XXXX and if I wanted to clear this loan from my name, I should do it myself. The loan is not mine and I did not open it and I should not be responsible for it. US Bank should make sure all connections that I wrongfully have to this loan is cleared as soon as possible. I believe US Bank is acting on bad faith for holding me responsible for a loan that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX 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, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... COLLBURFTWB ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX XXXX ... XX/XX/XXXX( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft from a XXXX data breach some years ago ( I believe 2015 ). I have been attempting to resolve this issue for several years, however the credit bureaus have refused to remove the fraudulent accounts. Due to this misreporting, I have lost job opportunities, I have not been able to qualify for a home and denied credit. My privacy and security has been violated with no recourse. I have attached my identity theft report and other supporting documents to support my claim. These accounts need to be removed immediately.
Product: Credit reporting or other personal consumer reports

a few months ago something told me to check my credit report so I login to my Experian credit monitoring app and noticed a bunch of inquiries that I never authorized nor did I give anyone the permission to open any account in my name I am really surprise that I am a victim never imagine it would happen to me I desperately reach out to the credit bureau and let them know that I have not authorized any of these inquiries for months I been asking then to prove it and no response back the inquires are as follow : ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX Of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXX/XX/XXXX ( XXXX ). XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX  XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 items 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, credit repair services, or other personal consumer reports

My complaint is transunion LLC they are reporting two accounts that are not mine I am a victim of identity theft I have proof. But yet they still countuine to report incorrect information on my credit file. 
The two XXXX XXXX accounts are # XXXX and # XXXX that are incorrect on my credit file these account are not mine. 
The resolution is to correct the issue.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXl XXXX, Account # XXXX, Account # XXXX, account # 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.