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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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: Checking or savings account

I took out a CD for {$10000.00} in XXXX with XXXX XXXX. Interest rate XX/XX/XXXX%. Annual percentage yield XX/XX/XXXX %. Interest compounding daily. I HAVE the original CD receipt and all the original documents from when I took the CD out. In XXXX I attempted to collect my money back, and the bank was sold to Chase Bank. They told me my receipt is in the system that I in fact took out the CD, but because the bank is not required to keep records past 7 years, and the bank changed hands, I could not collect the money from the CD. It was lost! My money is gone. I spoke with a lawyer who advised that if the bank did not turn my CD to the state, and there is no record that I ever cashed in the CD, the bank is still supposed to honor my CD!!!! 

Parties involved are XXXX XXXX at XXXX XXXX - Wisconsin who I took my original CD out with in XXXX. On the CD it lists XXXX XXXX XX/XX/XXXXXXXX, XXXX and the date I created my CD XX/XX/XXXX. 

I filed a complaint with XXXX a manager at the main branch who took over the old bank branch in XXXX XXXX. His phone number XXXX. He said he would try to look further into what may have happened at the local branch. 

My case was assigned to case manager XXXX Chase Bank branch complaint escalation group you at XXXX extension XXXX and please ( reference case number XXXX ) who advised it was too many years since I took out the CD, the bank wasnt required to keep records, and there was a change of hands. My money is lost. 

I checked with the state. There is no record the funds were ever given to the state. 

A lawyer told me that is there is no record I ever collected the funds, the bank IS still required to honor my CD. 

Please help!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute multiple accounts with no help from bureau. I have received no information or proof of debt.
Product: Vehicle loan or lease

I was never supposed to be primary on this loan. I made that very clear from the beginning. The lender & dealership were both predatory. I was acting as a cosigner only. I didn't discover until after the vehicle was voluntarily repossessed by the person i was cosigning for that I was primary and he wasn't even on the loan. 

This is now on my credit AND westlake is not licensed to collect debt in Florida according to the XXXX. I've disputed this to the XXXX CRAs and it still remains on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies Equifax, XXXX and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Upon reviewing my credit report I have identified the following item ( XXXX ) that contain inaccuracies : The following personal information is incorrect : 1. This account is not mine XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX Please remove it from my credit report 2.This account is not mine XXXX BANK XX/XX/XXXX {$8500.00} XXXX Please remove it from my credit report 3.This account is not mine XXXX XXXX XXXX  ACCT # XXXX XX/XX/XXXX {$240.00} Please remove it from my credit report 4. This account is not mine XXXX XXXX XXXX ACCT # XXXX {$1600.00} XX/XX/XXXX Please remove it from my credit report XXXX. This account is not mine XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX {$510.00} Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 1. " XXXX XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$15000.00} 2. " XXXX XXXX '' Was paid In full, Is inaccurate. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$140.00} 3. " XXXX  XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$1400.00} 4. " Account Number XXXX '' Is inaccurate Has no listed information for this account just a debt. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed immediately!
Product: Credit reporting or other personal consumer reports

Please be advised I was a victim of Identity Theft!! 
NCB Management Seevices we Ive never done business with or interned into a written contract is trying to collect a debt I dont owe. I police report was provided in XX/XX/year>!! The account was removed!! Ive never done business with XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has  failed to respond or provide any means of documentation or validation.. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the  fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
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 {$14000.00}, {$14000.00}.

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/XXXX and the subsequent response received on XX/XX/XXXXenclosed 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.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account information XXXX XXXX Account number XXXX Account charged of collection XXXX  days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX XXXX  days late XXXX  days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account information XXXX XXXX Account Number XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX XXXX XXXX must be removed from my Equifax character report,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 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

relative to your response on ticket XXXX " Company still  working '' STATUS " Company response is in progress as of XX/XX/2020 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. '' COMPANY 'S INTERIM RESPONSE " Our review of the matter is in progress and we will respond as soon as possible. '' This eMessage ( see below ) was NFCU 's last response to my concerns, where they told me in written ( my preferred method of communication ) they considered the matter closed. 
As far as I know this eMessage ( see below ) was from Mr. XXXX XXXX, one of the Two VP 's and one AVP who blew me off. Although it was not signed and was sent to me via a Generic eMessage account, not Mr. XXXX XXXX XXXX official work email account. 

Navy Federal Response XX/XX/2020 : " XXXX XXXX, thank you for your eMessage. We regret that we were unable to provide you with a more favorable response. At this time, we consider this matter closed and will no longer respond. If you have any additional questions outside of this matter, please let us know. Thank you ''
Product: Checking or savings account

On XX/XX/2023, I requested to withdraw {$65000.00} from my XXXX XXXX account, run by Goldman Sachs. After seven business days as of today, this transaction is not yet complete and it's unclear Goldman Sachs has even started processing this transaction. I've been told by Goldman Sachs support that this transaction is " in the queue '' and that there's nothing I can do but wait more time. Their product experience says this transaction should take 1-3 business days, their support says 5 business days and we're now past that. They can not explain why this is being delayed nor how long it will take. I need to have access to my funds. I think this is inappropriate and Goldman Sachs is withholding my money from me. I have been calling Goldman Sachs every day since the third business day after my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I have no knowledge of. This is a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. Please help!
Product: Debt collection

I have written several letters to this debt collector to validate my debt. So far, I have received no response from the debt collector in order to validate this debt to resolved it in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on my mother 's credit card and it is showing on my credit report as a balance that I am responsible for
Product: Mortgage

On XX/XX/2019, Said XXXX XXXX of US Bank in XXXX, NE, contacted my husband and I via email and phone under the pretense that he needed to review something with us from our last mortgage payment. This was in fact, an attempt to sell us a refinance, and had nothing to do with our visit to the branch. He became argumentative when we raised this concern. We asked the branch manager, XXXX XXXX, who was later CC 'd on the email chain by Mr. XXXX, to contact us directly, and he failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give XXXX XXXX permission to pull my credit report I did not give XXXX XXXX permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit
Product: Checking or savings account

I was involved in a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. XX/XX/XXXX he contacted me through a social media called " XXXX XXXX '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX XXXX NJ Stated he was an XXXX XXXX XXXX. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX and things kept happening. Machine fell in water and he needed money, no access to bank account or his credit cards, got in a car XXXX, got XXXX, needed money for medical bills, food and airfare. Wallet got stolen. Finally this XX/XX/XXXX he repeated his story of getting into an XXXX and sent same pictures. I am still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through XXXX XXXX and Chase bank I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I believe i was depositing money for a scam. I deposited money to XXXX XXXX, XXXX XXXX Florida chase account XXXX XXXX XXXX , XXXX XXXX ohio , XXXX XXXX XXXX ga XXXX chase account number XXXX , XXXX XXXX XXXX XXXX, utah chase account XXXX I have filed a report with local police but they dont think they can do anything and have not contacted me further. I have receipts, pictures, texts and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under XXXX XXXX until the end of XX/XX/XXXX. The mortgage company said they had mailed loan modification paperwork but I never received it. After several calls to the mortgage company they continued to to tell me that I was under XXXX XXXX and that they had re-submitted the account for loan modification. In XX/XX/XXXX I got the loan modification paperwork from the mortgage company, and got it sent back to the mortgage company. In XX/XX/XXXX I began remaking payments. The mortgage company is reporting to the credit bureaus that I was XXXX XXXX in XX/XX/XXXX and XXXX XXXX late in XX/XX/XXXX, and they also reported an amount that was past due. This has affected my credit and also caused a credit account to be closed when I had always made payments to that credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays XX/XX/2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, there was an inquiry for TD Bank XXXX XXXX XXXX XXXX XXXX card services, I learned that someone tried to use my name and social security number to open a credit line. The information the subject applying provided did not match so it was not approved. But now I have a hard inquiry on my account that I would like removed due to this fraudulent activity. I have since changed passwords that were associated with the old account they may have had access to.
Product: Money transfer, virtual currency, or money service

Product was sold on XXXX for a total of {$10000.00} on XX/XX/2021. Attempted to withdraw from PayPal to my linked bank account, but the transfer was denied. The entire amount of the sale minus fees ( {$9600.00} ) was then placed on a reserve for 180 days ( 6 months ). Additional documentation was asked for, which I provided, but the funds are still not released. The buyer has already confirmed receipt of the item and that it is in perfect working condition. This is unacceptable to hold the funds of a sale in which I have followed all PayPal policies in fulfillment and shipping. The buyer would be fraudulent in initiating a chargeback in the future because he has already confirmed receipt of the item and confirmed the working condition, so it is unnecessary to hold the funds to cover a chargeback. Cost of parts and XXXX fees can not even be covered because these funds are held.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX & AS XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX  balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 student loans that are over 7 -10 years old with Navient. While starting my XXXX  career, It was recomended everytime I called about default concerns that I put them in forbearnce, which I complied with. About 3 years ago, I decided to accept an offer by XXXX to consolidate the loans, and I entered the income driven repayment plan and applied for the PSFL program, because I XXXX in a XXXX XXXX XXXX XXXX XXXX that qualifies for the 120 payment loan forgiveness program. I have made over 30 payments by autopay, and on my credit reports it indicates an excellent payment history for the past 3 years. When I consolidated and entered the program, I was told this would help my credit rating and it has not. The problem is that Navient still has the twelve loans that are 7-10 years old on my credit reports and they show paid with a XXXX   balance. Last year, I contacted Navient and requested that they remove the loans from my report since I consolidated, they are paid in full, and I have a good payment history with the income driven repayments for the past 3 years. They denied my request, and now all twelve loans indicate 1 payment 90 days late in 2016 and it is hurting my score. The late payments didn't show up until I requested that they remove the loans from my report. I couldn't have made a late payment, because I never made a sigle payment during all the years of forbearance and everytime I called, they thanked me and said " I showed a current forbearance status. '' Is Navient exempt from reporting loans that are over 7 years old?  My complaint is that I am working hard to pay on time for three years now, and Navient does not seem willing to help with my situation.