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

I contacted XXXX XXXX XXXX on XX/XX/XXXX via XXXX XXXX and via the XXXX major credit reporting bureaus Experian, XXXX and XXXX to inform them of the fact that I had discovered a fraudulent account being reported by XXXX XXXX ( account reference number provided : XXXX ) on my credit reports on behalf of XXXX XXXX XXXX. I provided each of the concerned parties copies of the Identity Theft Report I filed with my local police department detailing the Identity Theft I had suffered and I specifically requested that this fraudulent account be removed from my credit files immediately pursuant to 15 USC 1682c-2. I also requested verification of the debt from XXXX XXXX XXXX to include details about how the account was opened, what personal information of mine was utilized in the fraud in order to successfully open and/or maintain continued usage of the account, any identifiable information regarding any possible linked payment methods associated with the account which may help me to either identify the perpetrator and/or discover whether other fraudulent accounts may have been opened elsewhere using my personal information, transaction records, statements, billing addresses associated with the account, what methods are used ( if any ) to verify the information associated with the account, etc. XXXX XXXX XXXX ignored my requests and following the dispute process with XXXX, Experian and XXXX, erroneously concluded that the information regarding this account was verified as accurate. It is not accurate. This account is the direct result of a pattern of fraud being perpetrated by someone who managed to steal my wallet back in XX/XX/XXXX and in fact, this is the second time that XXXX XXXX has allowed this individual to open a fraudulent credit card account with XXXX XXXX XXXX using my identity. Upon further inspection of my other credit reports with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also recently discovered that there were also multiple fraudulent checking and savings accounts opened in my name with XXXX XXXX XXXX as well. I had also reported those previous identity theft incidents to police and obtained replacements for my missing XXXX XXXX XXXX XXXX XXXX XXXX issued Birth Certificate, Social Security Card, bank debit cards, credit cards and other sensitive items. Despite the fact that I fully informed XXXX XXXX of these details and facts, they continue to disregard my correspondence and report this fraudulent account to the XXXX major credit bureaus in violation of 15 USC 1682c-2 and other applicable consumer protection laws. These fraudulent credit card account entries still appear on all three of my major credit reports and the fraudulent bank accounts still appear on my XXXX and XXXX reports.
Product: Prepaid card

On or around XX/XX/year> I received a 1099 job offer that requires me to have a Branch Bank account. I was unable to open the account because someone else had an account opened with my XXXX and Social Security number. I do not have a name of the other party .but the email address is XXXX Their phone number is XXXX. They worked or work for XXXX XXXX XXXX XXXX According to Branch Customer Service as of XX/XX/year> the account is no longer being used. That is around the time I started freezing my credit reports. I am not sure how long this person has been using my information prior to me freezing my credit report. I had to put off opening a Branch Bank account due to my case being transferred to escalation.
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history.

Details of the Fraudulent Accounts : Account Name : XXXX Account Number : XXXX Reported By : TRANSUNION Date Opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

As recently as XX/XX/year> I have requested debt validation. The amount in question has been obscenely exaggerated and inflated since the original debt was issued. It has since increased however this is not a credit based debt where late payments or interest should accrue or create larger deficits. This is a debt resulting from the move out of an apartment which was left in good condition. However the absurdly {$8000.00} plus cleaning bill that has remained on my credit even after the apartment complex was completely remodeled and renovated is unlawful and against the fair credit reporting act. There are many violations that have been committed over the tenure of this matter. I need to see debt validation to understand how that amount of money can be charged for a move out make ready not to mention that I paid over {$1000.00} in a deposit upon moving into the property that was never refunded. I would like to see how the charges are being processed along with the deduction of my original deposit. I also would like this removed from all XXXX reporting beaureu as it can not be validated and in definitely the incorrect amount as I show XXXX different amounts on my credit report for this issue. The company in question is XXXX XXXX XXXX It even shows account status closed
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX Can you please XXXX any names in your system that do not match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do not match XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The only reside at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove any address you have in your system that does not match XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputed with the company XX/XX/18. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I've yet to receive a response months later. 
The company was Source Receivables.
Product: Vehicle loan or lease

On XX/XX/XXXX At approximately XXXX a person came banging on my door stating they were the REPO company for Chrysler Capital and to remove my belongings immediately. I didn't understand why this was happening as i had NEVER received any letter or mail stating I was to get my vehicle repossessed. I did not receive anything from the men who took my jeep no type of paper work no type of info on where they were taking the vehicle, The repo company took my XXXX XXXX XXXX XXXX  not before they struggled to get it attached to the tow truck, I knew it looked very wrong. I couldn't contact Chrysler Capital due to the time of day and they had been closed and would not open until XXXX the next day. On XX/XX/XXXX at approximately XXXX the same person from the repo company came to my door and stated THEY ( Chrysler Capital ) told us to return the vehicle so consider it a blessing! This was so odd that i called Chrysler capital and they are now stating they have NO DOCUMENTATION on the this happening. I also informed them i had all this on my XXXXXXXX XXXX XXXX. I've called numerous times trying to get an answer and still they do not have any documentation that this even happened. No my XXXX XXXX XXXX is not running properly it is now jerking whenever I first press the gas pedal after a stop and my passenger side seat feels as if it is off track. I need this issue fixed immediately as my lease still has 6 months left and I am afraid it will break down on me while driving. I spoke to a supervisor who stated he could not do anything for me as they had no documentation about the repo! Again I have ALL THIS on my XXXX XXXX  even the repo people stating it is CHRYSLER CAPITAL .... PLEASE HELP!
Product: Debt collection

I have told this company to provide me proof of Debt, They have refused to do so They are now calling multiple times even with me telling them to stop are also texting me from XXXX and the text comes up as they are XXXX XXXX Else for Example the last says they are The XXXX XXXX. and then says they are National Recovery Agency
Product: Debt collection

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Inaccurate/Fraud Account ( Not mines ) Account name : XXXX XXXX XXXX : Credit Collection Services 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates
Product: Debt collection

I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. 

In addition, this account was removed from my credit report already.
Product: Checking or savings account

I transferred money from my Chime to my XXXX XXXX then in the same week transferred the money back to my Chime as I no longer needed it for a large purchase and use the Chime savings because of the ~ XXXX % interest they offer. Out of the blue they closed my account and said I wasnt eligible for a refund. I contacted them same day ( XX/XX/23 ) and provided all the proper documentation to verify my identity and they havent done anything to help. No help over the phone and automated email responses. I had approximately {$9500.00} in this account ( I used both their Checking and Savings ) and theyve done nothing to help me get my money or ask for further documentation to resolve. It has been like talking to an illegal website. Very unprofessional.
Product: Vehicle loan or lease

Westlake financial permitted the financing of a XXXX XXXX XXXX l which in many respects was like my dream car I was able to finance at {$5000.00} I have been absorbing a payment for approximately 2 years for which I have fell victim to reposition not only once but twice now after 2 weeks of having the vehicle I had to do a service for the gaskets on the motor for which I went back to the dealer who sold me the vehicle who then did the job himself physically there at the dealership which he said he was permitted to do later I found out that was actually not supposed to happen at all like that I contacted the lender pertaining to this which was was like financial Westlake financial was supposed to do an assessment on the vehicle after it was purchased to ensure everything was functional on the car for which they did not during that time I was forced to do maintenance on that motor totaling over {$6500.00} from absorbing the expense of the maintenance it became difficult to absorb that and the payment it made it difficult to pay both payments intern falling victim to repossession once having the vehicle drug for more than 30 ft by a tow truck then in turn did further damage to the vehicle I then informed the lender for which they gave me no response whatsoever right now I'm currently repossessed than it is in their possession they're requiring that I pay approximately {$1800.00} in order to get the vehicle back I really have a desire to pursue them in other manner because the way that the repossession occurred they even made contact with my other car that was parked next to it which I can prove via video for both repossessions repossessions to show where the damage was incurred.
Product: Credit reporting or other personal consumer reports

I payed for one report and they charged me 7 times for membership that u was never aware of and won't refund me
Product: Credit card

I DEMAND for the IMMEDIATE DELETION of any unlawfully reported collection account from my credit report. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Furnishers of information are prohibited from reporting any inaccurate or unverified account. XXXX ACCOUNT XXXX, This account is ERRONEOUS, UNVERIFIED, AND DOES NOT BELONG TO ME. reporting this information is ILLEGAL and has caused UNJUST DAMAGE TO MY CREDIT PROFILE. I DEMAND DELETION OR I WILL BE FORMALLY COMPLAINING TO MY STATES ATTORNEY GENERAL OFFICE. You have 15 days to provide written confirmation that this account has been permanently removed. Failure to comply will result in further legal action without additional notice.
Product: Credit reporting or other personal consumer reports

I believe my Social Security number was compromised because I am a victim of a Data Breach/ Identity Theft. Because of this I initially reached out to the three reporting agencies with disputes and nothing happened so far. As a result I contacted the Federal Trade Commission and filed an FTC Report which I have attached to all the consumer reporting agencies. I disputed several accounts and hard inquiries that are due to Identity theft because I have no knowledge of these accounts and I did not initiate or open these accounts. These accounts are The disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and were not authorized by me. As per 15 U.S.C. 1681c-2 ( c ) ( a ), the credit reporting Agencies, within 4 business days must lawfully abide by and I request the following actions : 1. Immediate blocking of the disputed accounts from my credit report.

2. Notification to the furnisher of the disputed information regarding the blocked accounts.

3. A confirmation in writing that these accounts have been blocked and will not be reinserted into my credit report. I have also asked for them too attach an updated Credit Report as well. 
nothing has been removed as of yet, and I need them to act immediately!!
Product: Debt collection

Despite submitting copious documentation proving the fraudulent nature of these accounts, your bureau seems content to let them fester on my report without any valid verification or effort to rectify the situation. This negligence on your part is not only unacceptable but also a blatant violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting. I was the victim & Im not sure why the FCRA is not complying with the law. Allowing these fraudulent accounts to stained my credit report and decreases my credit score has caused too much distress. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXXXXXX XXXX  XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX XXXX DELETE!!!! 

I demand immediate action to rectify this situation and a thorough explanation as to why your bureau allowed these fraudulent accounts to exist without proper verification. The burden of proof lies with you, and your lack of diligence in ensuring the accuracy of my credit report is inexcusable.
Product: Credit card or prepaid card

I received a zero percent balance transfer until XXXX 2018. I had my insurance payments charge to this card. I paid these charges off along with the minimum payment each month. I was still charged interest on these charges despite that fact that I paid them off. A representative told me previously that I would not be charged interest if I did this. I spoke to another representative today and she told me that I not only will be charged interest for charges I made, but I would also be charged interest on an additional amount next month that I did not understand. I asked her if they charge interest daily. She said no. But I do n't understand why I am still being charged interest on an amount that I paid off plus more than the minimum monthly payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX down payment at XXXX in which the contract was explained to me and the female told me the wrong price and apr lock me with a illegal amount at 28 % XXXX credit score 4000 invested with American Credit AcceptanceXXXX XXXX XXXX  XXXX value on car worth is XXXX cojmpany had me at 9 % apr I switched to an cheaper vehicle and apr became 28 % swap me from XXXX auto financing to American Credit Acceptance a supervisor told me that the APR 28 % was to high dont know why i received that one my credit score was XXXX now is XXXX making it hard to get a good job and different important things I was making the payments then they repoed the my vehicle damaged it and stole personal belongings and money I did a claim and they never contacted me I tried to sell car to XXXX since I purchased it consistent problems alternator transmission even a Broken passenger seat never was able to fix or they didn't care XXXX told me they did a 130 point inspection which is false because the problems with the vehicle there is and undisclosed accident they didn't tell me about that is why the passengers seat Broken dangerous to the safety of my self and any occupants They say I owe XXXX or more on the car it's value is XXXX which I've have payed XXXX so far I wasted a substantial amount of money gas XXXX weekly and batteries Because there negligence not fixing car before selling it to me Repo company ACA used XXXX XXXX XXXX damaged my car and stole items that has been talked about or replaced I have video of some damaged I noticed on the lot where it was towed to guy told don't take pictures or video until I was off lot I declined and video this situation I loss my job when they first repoed my car and my belongings I need this company to stop harassing me I would like a refund of down payment and /or money invested from selling it with bad alternator and transmission and car seats and undisclosed accident its very unfair and deceptive please help me thank you Dealer fraud. 

I sent Cease and Desist through fax I want an Revoke Of Signature Right of Rescission Validation of debt, I asked months ago Affidavit of Truth.

Per U.S. Federal Laws and Regulation TILA Violations noted FCRA Violations noted Improper use of credit reports violations noted 15 U.S.C 1611 violation 15 U.S.C 6802 violation 15 U.S.C 1692 violation 15 U.S.C 1681 violation Notice of Disposition required Under UCC 9-610 12 CFR
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score using XXXX XXXX  on XX/XX/XXXX and it showed that my equifax score dropped XXXX points. I contacted the credit company and they informed me I had 30 missed payments for my federal student loans. I then contacted the federal loans creditor and informed them that since I am XXXX XXXX and my loan amount is so high I am in deferment status and I was told that when I contacted them 7 months prior when I joined the Military. They said it was an error on their part that shouldnt have happened and contacted the creditors to let them know that I am in fact in deferment and do have any monthly payments therefore I shouldnt have any missed payments on my credit score. Equifax updated their information about my deferment status, however did not take the delinquencys off of my credit which is what cause my credit to drop in the first place. I called Equifax and asked them to take the delinquencys off of my report as it was an error with the creditor and not due to my lack of payments. They said they would look into it but did not make any changes. Because I am XXXX XXXX military you need to be in good credit standing in order to maintain your security clearance as well as your job. This error both on XXXXs part as well as the federal loans part is now putting my security clearance as well as my job in jeopardy. I did everything I was supposed to do to prove it was an error and now I need Equifax to remove the delinquencys off of my report so my credit score can go back to what it was and to ensure the safety of my job.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code
1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit card or prepaid card

I called on XXXX XXXX and asked for a replacement card because I never received my card the last time I asked for one several months ago so they charged me {$10.00} for the expedited replacement card I was told I would receive it yesterday I still havent received it there is no tracking number and its coming XXXX which makes no sense I have been calling and now they took it upon thereselves to cancel the card I was supposed to get yesterday and now I have to wait another week for another replacement card this is ridiculous they should be able to overnight it to me but they say they cant this is for my XXXX XXXX and there is always an excuse with these people I have asked multiple times to speak to a supervisor and they wont connect me to one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I returned the XXXX to XXXX then got credited on the line of credit account. I then closed my line of credit account for my citizenspay on XXXX and they closed it but however they reported it as late which is false. They never generated a statement or email that stated it was late.
Product: Mortgage

The closing fees and dates were not the original if I recall. Wells Fargo had my loan originally, then I got divorced and refinaced/repurchased my home. The closing didn't go as planned and cost me more than originally I was made aware of.