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

On XX/XX/2022 I received some letters regarding some inquiries with citi group, XXXX XXXX, and Macy 's, which I have no idea where these inquiries derived from because I did not apply for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to TransUnion on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/XXXX I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Money transfer, virtual currency, or money service

XXXX XXXX A friends XXXX  profile message me I thought it was really my friend. Told me about Federal Government Grant who is the Attorney name is XXXX XXXX. That he RECEIVED XXXX GRANT AND TOLD ME TO TEXT THE NUMBER XXXX, SO I DID. THEN OUR TEXT BACK AND FORT GOING ON THAT AGENT SAID I AM APPROVED AND NEED TO CHOOSE ANY AMOUNT BUT NEED TO PAY DELIVERY FEE. 
So I PICK A XXXX WITH XXXX DELIVERY FEE AND NEEDED TO BE PAID ON THAT DAY SO MONEY BE DELIVERED WITHIN 24 HOURS. I GATHERED SUM OF MONEY AND THAT AGENT WANTS ME TO DO A FUND TRANSFER TO A NAME ; XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ROUTING NUMBER XXXX WHICH I DID TRANSFER XXXX ONLY MONEY I HAVE ON THAT TIME AND AGENT TEXT XXXX BALANCE BE PAID THE NEXT MORNING. 

XXXX XXXX AGENT TEXTED ME XXXX NEEDS TO BE PAID NOW BECAUSE DELIVERY MAN WERE READY AFTER MY PAYMENT IS CONFIRMED AND WANTED ME TO SEND MONEY VIA XXXX TO ANOTHER NAME : XXXX XXXX XXXX XXXX XXXX AND I DID SEND VIA XXXX BACK XXXX THINKING ABOUT I AM RECEIVING MY FEDERAL GOVERNMENT GRANT. 
AFTER XXXX CONFIRMATION AGENT TEXTED THAT DELIVERY MAN WERE ON THEIR WAY. I WAITED AND WAITED NOBODY CAME. WHILE IM waiting, I CHECKED OUR XXXX  CONVERSATIONS OF MY FRIEND ( I THOUGHT HE REALLY WAS MY FRIEND ) ON XXXX/ XXXX  and REALIZED I NEVER HAD A CONVERSATION WITH THAT PROFILE EVER SINCE. NOW I JUST REALIZED I GOT SCAMMED.
Product: Credit reporting or other personal consumer reports

Please note, this is not a duplicate complaint and I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. The law says that you must block these accounts while being investigated, and I expect that you will do so. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/2023 ; XXXX  XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/XXXX, XXXX these items above should be removed from my report immediately.
Product: Vehicle loan or lease

I was XXXX  and on XXXX, making the payments late, but still making the payments. The repo man jumped into my car while it was running with no identification, no badge, no uniform, a plain black t  shirt and jeans and took off with my vehicle. When my fianc caught up with the car the tried to find out what was going on and tried to get the car back. The repo man tried to get my fianc to hit him and got in his face, when the altercation got heated he stated he was the repo man. No one was ever harmed or touched. I called gm financial to give them all the late payments and whatever fees were needed to get my car back and they told me I had to pay the car loan in full in order to get the car because the repo man was hit. I explained to many people that no one was harmed and the way the repo took place was unprofessional and unsafe. The had me paying {$25.00} a month for 6 months but soon just stopped contacting me. I went online and my balance said XXXX dollars. Now I see it on my credit as closed.
Product: Debt collection

Amount due {$82.00} as of XXXX, XXXX to XXXX XXXX sent to collections to XXXX XXXX XXXX and XXXX XXXX is a false statement for license plate no : XXXX that do not belong to me, reference # XXXX
Product: Credit card

Chase Cardmember Services for Visa credit card failed to handle fraud charges in reasonable time frame. Received a notice today. This fraud alert was send to me in XX/XX/XXXX and it is now XX/XX/XXXX. I emailed them on regular basis to send me infor. 
They need to refund me fees and penalties and correct the card payments. The credit card is current. I have been working with Executive Corporate office.
Product: Credit card or prepaid card

I filed the attached complain regarding my card ending in XXXX. I received the attached letter from Capital One stating that as of XX/XX/2019 the account ending in XXXX shows the balance of {$1700.00}. The payment that was received on XXXX XXXX wasn't {$1400.00} but as you can see my bank statement attached is {$130000.00} on page XXXX {$320.00} on page XXXX and {$120.00} on page XXXX as well. So the total that I have paid so far is {$1700.00} which is on overpayment of XXXX. Please adjust your records and remove this from the credit bureaus as well. This has been reporting wrong for the past XXXX years in my account. If this isn't fixed soon it will leave me no choice but to file a lawsuit against Capital One.
Product: Debt collection

Received communication from Enterprise Recovery System ( ERS ) stating I owed them for a defaulted private student loan through XXXX for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. XXXX XXXX XXXX the original lender have no record of this loan and referred me to back to ERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over 8 year old. XXXX closed they business in XXXX  and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard pull on my credit report from this company called SYNCB on XX/XX/2019 I dont know wheres this from.
Product: Debt collection

Creditor Advocates is located in XXXX, MN I am located in XXXX Texas, this company is not bonded in the state of Texas to be collecting debt. based on Sec. 392.101. of Texas Finance Code, and must immedialty cease and desist any efforts in this state to collect Choosing not to can result in a lawsuit, and fines from the state of Texas as well as me the consumer. 

I recieved a letter in the mail stating I owe a debt, i have been in Texas for over 4 years and never once have heard about this, I have used this facility however that was under a different account number and that was paid in full ... i am not sure where this new account came from since i have not lived north for over 4 years, however its likely false, and they should not be contacting me anyhow, based on there lack of bonding in the state
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed, several times, via XXXX XXXX and Ceritified mail, that certain entries on my reports with Equifax, XXXX and XXXX were wrong and demanded that they be removed. Neither company has resolved the issue. I also have accounts that do not belong to me still listed on my reports. Some info is as follows : XXXX XXXX XXXX  - Date Opened and Account Amount Equifax XXXX XXXX  - Date Opened and Account AmounXXXX XXXX - Account closed and still reporting active payment history. 7 years since first reported. 
XXXX XXXX - Account doesnt belong to me Accounts without creditor information XXXX  XXXX - Account listing erroneous late payment XXXX XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX Account doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the sherrifs dept in  XXXX   XXXX  of  XXXX  county in like  XX/XX/XXXX - XX/XX/XXXX  because someone was messing with my credit accounts and My ex husband  XXXX   XXXX  was ordering cards that had his name added to my accounts but we were divorced, plus I had brand new cards that I never removed from mailing but was getting bills that the cards were being used. I had a  XXXX   credit score  and  XXXX  accounts at one point with credit protection companies and then I had an entire property stolen in Nevada that was paid off which I have evidence to prove but on top of the situation my children we   XXXX   and my mail was being stolen from the mailbox at that address by my ex-husband and the cops would not arrest him I have court documents to prove this, then they let the house be robbed after kidnapping my kids again without court hearing or notice and falsely put me into jail while the house was being robbed. Then my children said my ex-husband did that too and they were there with him. All my information was compromised and I have been trying to get credit bueara to send me my credit reports from  XXXX   XXXX ,  XXXX , and experienced but they wo n't because I have no way of protecting anything or even knowing what 's going on with my information..Then I got one from the life lock that is completely wrong with companies and bankruptcy which I never filed and nothing that actually reflects truth as to what I had. The  XXXX   Judge wa s behind a lot of actions taken and police will testify to it from  XXXX  Nevada but they   XXXX   XXXX   XXXX   XXXX   XXXX   and messed with our whole life. Then the District Attorney of  XXXX  County Oregon has been stalking me and my information which I can also prove in efforts to cover up the Nevada crimes. I had bail money which was military back pay from  XXXX  which transferred to  XXXX  and then to my bank account of  XXXX  dollars that recently went missing and I have reason to believe the District Attorney of  XXXX  County   XXXX   is trying to steal it. I can send evidential proof and I would like any charges you can bring against all of it, except the police of  XXXX  in exchange for testimony because I know they were operating under threats to themselves as well. I am visiting family in Oregon now but have been transferred to  XXXX   XXXX  and am currently a California resident. The harassment continues in efforts to obstruct justice because cops have me a false ticket yesterday that I clearly sat at the light until it was green and I know the DA is stalking my phone and they just did it to harass me with clear intent and the  XXXX  knows I did n't run a ref light.  XXXX  my other ex-husband  XXXX   XXXX  worked secretly with police dept of  XXXX  Nevada and has been assisting in the criminal cover up and stealing my pay along with obstruction of justice while helping in aid to cause my sufferings and prevent justice. They have all been in on it together with different resources. It 's been an impossible fight but  XXXX  way or another they are all going down.
Product: Credit card or prepaid card

I was required to complete an XXXX XXXX XXXX XXXXorm and send in 3 months of bank statements in which I did from my credit union which is XXXX XXXX  All was completed but the notary didnt put in the end and the beginning balance which was on my bank statements. Ive been with them over 4 years never missed a payment and always paid on time or before time.! I feel this wasnt my era and I should have got a chance to have them complete the form. Spoke to some lady with discover and ask to speak to manager she said they will get back with me which is poor customer service!! Dealing with everyday life after a global pandemic I feel I should have been given more time since clearly they see I tried.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX CBG Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, TBOM/XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

Experian XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX - Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, I activated 5 % XXXX on XXXX and made a transaction of {$150.00} on XXXX in Cash App. However, this 5 % didn't apply. I contacted Cash App customer service many times, but they refused to manually apply 5 %, which is {$7.00}, to my account.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NAVY FEDERAL CR UNION Account number : XXXX
Product: Money transfer, virtual currency, or money service

Some young girl said she got in a car accident and couldnt cash a check that she wrote/received so I cashed it for her. I then realized that that amount was taken out of my account a few days later
Product: Debt collection

XXXX acct number XXXX states that I owe them {$790.00}. I do not owe this company any money please validate that I have personally signed for any credit with them if not have them remove it
Product: Money transfer, virtual currency, or money service

I have an account on binance.us with several thousand dollars of USD and virtual currency in it. In XX/XX/2021 binance.us disabled all functionality on the account. I can still login, but can not withdraw my funds. They have said I must verify my account, which I have tried to do multiple times over the past 8 months. I have sent them information that they have requested, such as photos of my state driver 's license, US Passport and bank statements, and still they have not resolved the issue. 

All I want to do is withdraw my funds and close my account. binance.us is a very sketchy company.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. - 30 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

A friend on XXXX suddenly posted that he was making cash on the side while working full time as a nurse. Not knowing that his account was hacked and being somewhat sociable with the person, I fell for the bitcoin investment scam. I spent {$600.00} on XX/XX/22 and {$1500.00} as my initial investment and to upgrade my " trading account '' so I can get my profit, I paid {$1400.00}. Another {$100.00} was sent on XX/XX/22 for a bitcoin I was told to buy through XXXX. Everything else was sent through XXXX thats within my Wells Fargo XXXX. As soon as the scammer blocked me, I directly informed Wells Fargo and made a claim that I was scammed. Three weeks later, I received their conclusion and that they deny my claim because I authorized the transactions and that the recipient 's bank nor Wells Fargo had any error. I called and asked for further information, and inquired about EFT Regulation E and thr Wells Fargo banker told me that it only applies if I was induced to giving my information, which is not what my case is. They told me there's nothing they can do. To add salt to wound, I involved my brother and used his money by asking him to send money by XXXX in his Wells Fargo.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX I signed an extension with Santander Consumer USA with the clear understanding from the representative on the phone that after I paid the XXXX payments that I was late on due to issues with XXXX and XXXX that my contract would return to the original agreement. I paid them I think in about 60 to maybe 90 days later, and when checked my credit report it said that Santander was now reporting me as on time, and that all was good. Later about XXXX of XXXX I wanted to trade in the vehicle and so I requested a pay off amount and I was shocked to see that Santander was charging me 62 % interest on my contract. My monthly payment of {$500.00} Santander was applying {$390.00} to interest. An unbelievable 78 % interest rate. And {$100.00} toward the principal. I called the Santander for an explanation and they would keep me on the phone for usually over an hour, then the representative would come back on the phone say that their boss said they would mail me an explanation. Nothing would happen and I would call and it would the same run around. They wore me out. Help me please.