23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Capital One Auto Finance allowed someone to use my information and obtain an automobile loan in my name by using my correct personal information that was obtained as a result of identity theft. I have tried to communicate with Capital One Auto Finance that this was a fraudulent account, but they have refused to hear me and have continued to attempt to force me to pay the fraudulent loan amount. I have never done business with Capital One Auto Finance, but they have plainly told me that it was my fault that my identity was compromised and that I was responsible for paying them the fraudulent loan back. They have refused to accept my police report and identity theft affidavit and told me they would continue to ruin my credit until I paid them back the fraudulent loan balance. They continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report, did not authorized the following parties to access my credit report with hard inquiries, Wrote letters to them all, and requested documents with my authentic signature, stating I authorized them to acces my credit report, and never got a response back. The following parties illegally access my credit report without my authorized signature authorization : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX 
XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provided detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Product: Credit reporting or other personal consumer reports

All the XXXX, XXXX and equifax allow credit pulls and exposes my credit reports. Equifax haves outdated and the wrong information. All XXXX all my credit reports to be pulled without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Product: Checking or savings account

XXXX. Last year it came to my attention that TD Bank allowed someone to open a fraudelent account in my name. 

XXXX. After receiving incorrect information from a TD Bank representative by phone, I went to the branch in XXXX, VT who helped to resolve the issue. 

XXXX. TD Bank provided verbal and written confirmation that the accounts would be closed out and the information would be immediately removed from my credit report XXXX. Over one year later they still have not removed a {$35.00} fraudulent charge from this fraudulent account on my report, which now shows a delinquency, lowering my credit score and increasing the cost of borrowing. 

XXXX. I have contacted TB bank multiple times. They said in writing on XX/XX/XXXX in response to a XXXX  complaint submitted a week prior that they were resolving the issue from the XXXX  complaint. They have not responded to any messages, made any communication, or done a single thing since then. 

XXXX. TD Bank is completely negligent in continuing to fail to take consumer privacy and security seriously, having a tangible negative impact on my finances, and failing to respond to concerns in a timely and professional fashion. 

XXXX. If there is no punitive measure for companies like TD Bank, they will not learn that they have to do better, as there is currently no cost to them for their continued negligence and mishandling of XXXX, as they have shifted the entire consequence and cost onto the consumer.
Product: Checking or savings account

The bank Im using is CHIME. I believe someone has gained access to my accounts and processed 55 transactions from XXXX  totaling in over XXXX dollars. These transactions I am disputing were not authorized by me and are fraudulent. Im not able to log in or reset the password. I contacted the merchant but was unsuccessful in receiving any response. I have sent chime screenshots as proof showing that my account credentials were changed. I also lost my debit card so Im not sure if they were able to access it with my card. Ive file multiple disputes with CHIME only to be denied over and over again. I need help to get my funds back because I didnt make these transactions. Please contact me with any updates of this matter at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a non-fault-accident which caused my car to be totaled. My insurance company paid XXXX XXXX XXXX which left me with a GAP. On my contact I purchased XXXX ( debt cancellation agreement ) meaning they would take care of the remaining balance. XXXX continue to send me monthly statement via XXXX and I was making those payments. A charge off occurs 90-120 days off non-payment. I have the payment history. This account should be reported as paid in full as agreed but its reporting as a paid charge off which is false. I disputed with XXXX, XXXX, and Equifax, and XXXX XXXX XXXX many times and the account is still reporting as a charge off. The account have no past due amount and no late payment and still reporting as a charge off. 

Violation 1 : Under 15 U.S Code 1666 ( b ) ( 4 ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

Violation 2 : Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments there should be no late payments on this account/charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and spoken with transunion 's costumer service numerous times even today XX/XX/XXXX with the fact that they have put hard inquiries on my report with no advance notice nor my consent without the proper investigation/proof. They keep telling me there is nothing that they can do about it so I bought my concern here. If you can help me get to the bottom of this it would be greatly appreciated 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 XX/XX/XXXX
Product: Mortgage

Wells Fargo Bank filed a foreclosure complaint containing a promissory note that I did not sign because the original lender denied my loan for the amount Wells Fargo is complaining of. Also, Wells Fargo attached a mortgage to its complaint to foreclose that did not have acknowledgements or have been sworn to before a notary.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to request the removal of fraudulent inquiries on my credit report. I ask that the Experian, XXXX, and XXXX bureaus conduct a review and remove the following fraudulent inquiries as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I went to pay my bill online like usual. I opened my account and was able to access everything. However every time I would try to make a payment it wouldn't allow it. I then tried by phone and every time it wouldn't give me a verification number and told me to contact customer service. I then waited on hold for over an hour. I was told she couldn't process the payment. I was told that I was over the limit because an annual fee had been issued. I will now be assessed a late charge on top of the over the limit charge that was caused by their unexpected fee because there is no way for me to get them to accept the payment. This is extreme predatory credit abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX This account is involved in litigation I have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhadt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by 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 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 7 years 15 USC 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

Upon checking my credit report, I have discovered fraudulent hard inquiries on it, they are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XX/XX/XXXX, delete these inquiries from my credit report
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR LETTER TO EXPERIAN IN REGARD TO INACCURATE LATE PAYMENT WITH XXXX
Product: Debt collection

I have repeatedly had this debt removed, because I dont owe this company anything. They continue to place this item back on my credit and take it off each time I do this. Making this the fourth time its being removed. I received documentation stating that they have no record of me owing anything. I know for a fact I dont owe the debt. This continues to be an issue with this company.
Product: Debt collection

I am deeply concerned by your persistent refusal to remove fraudulent accounts from my credit report, especially in light of clear evidence of fraud and confirmation from other bureaus who have successfully removed similar accounts. 
Your failure to comply with the law is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX  XXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$770.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXXXXXX XXXX. It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXX XXXX sold the debt can we have report XXXX balance.
Product: Checking or savings account

My Chase Checking Account was suddenly closed without any reason around XX/XX/2024. Chase promised to send the remaining balance in my account via a check to my address. On XX/XX/XXXX, I called Chase customer service and was informed that the check had been approved and I would receive it in about a week. However, half a month later, I still hadnt received the check, so on XX/XX/XXXX, I called Chase customer service again. The representative again told me that the check had been approved and I would receive it within a few days. I expressed my concern that I would be moving at the end of the month and was worried that I wouldnt receive the check before moving. The representative assured me that I would definitely receive it. However, by XX/XX/XXXX, I still hadnt received the check, and the customer service representative gave me the same responsethat the check had been approved and I would receive it in a week. I am fed up with the lies from customer service and hope to receive the check as quickly as possible before I move.
Product: Debt collection

On XX/XX/2016 I sent National Recovery a certified letter asking them to verified this debt that is appearing on my credit report. As of XX/XX/XXXX, they have not responded to my request or mark my file that this item is being disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Grain Technology INC on multiple occasions. This company provided me with a product that was basically a secured card. I had a secured deposit at the beginning of the relationship and everything was managed withing a mobile app. 

Their app became unusable and I was unable to login and view my account and make payments for my liability. This caused an issue with my credit report and drastically impacted my score with late payments. 

They have kept my deposit and no liability is outstanding with their company and myself. The only problem is that I was not late because of my actions, it was due to a technology failure.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

I have been an American Express Card Member for 37 years and I have the XXXX XXXX card, the fees for which are {$5000.00} a year. In all that time my account has never been late, in arrears or unpaid. I have NEVER paid a late fee or interest charges. I am a loyal Amex cardholder, but even for me, Amex has defied the requirements laid out in the Fair Credit Billing Act ( 1974 ). My monthly payment was for {$15000.00}. I deducted {$800.00} as a result of items in dispute ( see attachment ), which I am allowed to do under the Fair Credit Bulling Act, and I paid {$14000.00}, which is 95 % of the billed amount. American Express then froze my card because I had not paid my account in full. The Act states : " Pursuant to regulations of the Bureau, a creditor ... may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. '' American Express ignored this regulation and froze my account ... and I later learned that it was because they believed I had underpaid my statement by a measly {$32.00}. Despite its public claims to the contrary, Amex does not care about its customers ... or the law
Product: Vehicle loan or lease

I purchased my car on XX/XX/XXXX, US Auto Sales close without giving any notice, and sold my information to Westlake as a debt collector without a warranty on XX/XX/XXXX. I still make payment as if I still have a warranty with it but it's no warranty. They are rude and hassle to the customers. When I bought the car amount was XXXX on the car of the car but ended up with XXXX dollars. I have my original paperwork. They charge me XXXX on the vehicle with {$500.00} for infrastructure maintenance, XXXX  insurance {$790.00}, a Service contract of {$2300.00}, a Title fee of {$15.00}, registration fee of {$40.00} leaving with a total of A {$23000.00}. I put down XXXX and then deferred a down payment of {$860.00} with a total of {$2200.00} down payment. The annual percentage rate is 19.19 %, the finance charge is XXXX, the amount financed is XXXX, the total payment after all is paid is {$37000.00}, and the total sale is {$39000.00}. I pay {$250.00} a month for a XXXX XXXX XXXX with a blue book price of {$9400.00}. I didn't sign paperwork for this debt collector cause US Auto Sales closed and wasn't notice anything. They just sold my information and now the price I own is {$22000.00} for the car. The XXXX or XXXX XXXX  retail is 168 %. I have built XXXX, panic attacks, and XXXX because I need my car fixed with no a/c or heat in the car. So, we have to be in a car I pay about {$500.00} a month with my a/c, and it's hot in the car. I paid a lot of money down, I'm a single parent of XXXX  kids and don't have money to throw away. Can you please help?
Product: Debt collection

Previously filed a complaint against the same Debt Collector : XXXX They responded to CFPB with false information. They also indicated that they have requested credit bureau to delete the account. 

I have spoken with credit bureau, they have researched and said they have not received any requests from this collection agency to delete the account. The also mentioned that they usually received requests immediately and accounts are deleted imeediately BUT in this case they do not have any requests.