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

I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with EQUIFAX. No consent is identity theft. On XX/XX/XXXX, I called EQUIFAX and spoke with XXXX XXXX id XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent cut me off and would not allow me to speak. I told him that I'm contacting the cfpb about this. He stated that he could not assist and to go ahead with my complaint.
Product: Credit reporting or other personal consumer reports

There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with XXXX  XXXX XXXX with the balance reporting or an account at all. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately.
Product: Money transfer, virtual currency, or money service

I recently found out I was scammed, I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX regarding a wire i made on XX/XX/XXXX to Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX for {$19000.00} that my scammer wanted me to send to his accountant. XXXX XXXX XXXX XXXX contacted Citibank in New York to notify this was part of a scam/fraud. Citibank responded back XX/XX/XXXX that they would have to wait until they hear from the member to return the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on any response from Equifax after days of investigation. As I reviewed my Credit Report I noticed that there is still an account that is reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the account : XXXX XXXX
Product: Consumer Loan

hello i purchased a car from a dealership everything was great they got me a loan with a lender named westlake financial services in XXXX california i made my first payment without any problems but after 2 weeks from that time i received a call from the dealership saying that the bank return the loan to them and that i need to pay the car in full to the dealership or be repossess now the bank never called me about this i made my first payment to them without any problems i have a contract signed with them i dont understand what is going on i think there is a fraud here and im very XXXX because of this now i lost my first payment money and the dealership is threathning me that if i dont pay in full they will come with the police to take the car is this right? i cant afford an attorney i putted XXXX down for the car this is a nightmare for me and my family please help me
Product: Debt collection

Hello CFPB, I am sending you this dispute as attempt to resolve an alleged debt matter with a collection agency by the name of Commonwealth Financial Systems also known as Northeast Credit & Collect. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX I reviewed my credit report and discovered XXXX accounts reporting from Commonwealth Financial System, The accounts are reporting as follows. 
1. Commonwealth Financial, Account Number XXXX, Balance {$450.00} 2. Commonwealth Financial, Account Number XXXX, Balance {$74.00} 3. Commonwealth Financial, Account Number XXXX, Balance {$990.00} On XXXX XXXX, 2015 I sent a request for validation to Commonwealth Financial Systems requesting for validation. XXXX has passed and I have not received any communication from the collection agency regarding my claim since I discovered the collection items on my credit report and did not receive any initial notices from them regarding any debt being owed. On XXXX XXXX, 2015 I sent a XXXX request for validation via registered mail to Commonwealth Financial Systems which was delivered on XXXX/XXXX/2015 at XXXX XXXX tracking number provided by USPS is XXXX. According to the Fair Debt Collection Practice Act 809 ( b ) the collection agency must provide validation of the debt that they are claiming to be owed. Not only has Commonwealth Financial Systems Failed to notify me of the debt owed. My request for validation has been ignored and they continue to collect on the debt before providing validation by continuing to report this debt to the credit bureaus [ 15 USC 1692g ] 809 ( a ). 
Commonwealth Financial Systems had sufficient amount of time to provide me the validation request. I am requesting that all three of the above accounts be removed from my credit reports with XXXX, XXXX and XXXX XXXX, Failure to remove the accounts I will consult with my attorney for who specializes in suing debt collectors for FDCPA violations. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  does not allow me to send updated information online when I try to login in with my corrected information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX and Equifax in XXXX and XXXX to get a copy of my credit report and File. Neither companies have responded and I have sent both personal documents to verify my identity. My information was involved in Equifax data breach and I am trying to exercise my rights as a consumer to take the necessary steps to protect my identity.
Product: Credit reporting or other personal consumer reports

First of all, I don't know XXXX. I used translation software. Please forgive me if the translation is difficult to understand. In XX/XX/XXXX, I needed money and wanted to cash out a credit card. The staff of XXXX XXXX XXXXXXXX told me that my credit score was too low and I couldn't cash out a credit card. At that time, I began to doubt it because my score was XXXX when I did a credit cash out before. So I began to suspect that my credit was stolen, so I logged into XXXX to check my credit report and found that my credit score was only XXXX, so I called up the credit report. I received the credit report and found that there were many accounts, phone numbers and addresses that I didn't recognize that were not opened by me. In the end, it was concluded that XXXX bank credit cards were stolen and affected my credit score. They were XXXX XXXX with a stolen amount of {$1100.00}, XXXXXXXX XXXX, and Barclays Bank with a stolen amount of {$2600.00}. Later, a case was filed at the local police station. XXXXXXXX XXXX and XXXXXXXX XXXX have successfully disputed in XXXX. But Barclays Bank has not been able to dispute it. For so many years, my credit score has been affecting my life. I don't know what to do. In XXXX, the application addresses for the monthly statement process I called up were all addresses I didn't recognize. After I called Barclays Bank, I had to confirm my personal information before I could access the account, but Barclays has now used my current information. How should I provide the earliest information and materials that were not applied for by me personally?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them a certified mail letter stating To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b (  c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

This was sent on XX/XX/XXXX They responded by email the following Dear XXXX XXXX, We are not able to provide a written document with your signature as you did not sign any documents because the loan application was declined. 

Please let us know if you have any further questions. 

Thank you, XXXX LightStream, A Division of SunTrust Bank So why are they not taking this off of my credit I didnt apply for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a state tax lien with TransUnion on XX/XX/XXXX. I received notification on XX/XX/XXXX they were doing a manual review. The same day, I received another notification results were ready. The report stated the lien had been verified and updated. The court documents related to this are attached. As you can see, they do not meet the requirements under the National Consumer Assistance Plan ( NCAP ). There is no complete social security number nor a date of birth included in the filings. This lien should have been removed from my credit report, per NCAP rules.
Product: Checking or savings account

I tried to transfer my money out of my savings account from eTrade/Morgan Stanley . Every time I try to transfer money out of the savings account they flag it for fraudulent abuse. Every time I have to call in to verify that I am actually myself in order to transfer my money from my account and every time the verification process gets more and more ridiculous. I have to had to take pictures of my id and upload them using their app on 3 different occasions. The time before last they required a picture of a handwritten statement that they dictated to me on the phone to write. The last time they demanded another picture of my driver 's license and called not one but two other of my financial institutions ( XXXX XXXX XXXX XXXX and XXXX ) to cross reference my financial activity and verify my identity then they demanded a picture of my social security card. And no reasonable person carries their social security on them at work during working hours I couldn't meet their demands to re-re-re-re-verify my identity to them. They told me to upload the picture when I could.

Etrade/Morgan Stanley has now locked me out of all the accounts I hold with them and I have made multiple hour-long phone calls waiting to speak to a human to check the upload section of my account profile. They are not picking up their phones. They have essentially locked my money in their bank and now refusing to open the doors to let me make a withdrawal, which if you gave me your personal money to hold and I refused to give back when you requested it and demanded you jump through a bunch of hoops and then cover my eyes and ears and pretended to ignore you. You'd call the cops and they'd arrest me for the theft. And as far as I can tell you guys are the people I file a report with about a bank refusing to give me my money that I had in a savings account with them. 
P.S. I have typed out and filled out this whole report while on hold with their automated phone services waiting over an hour to speak with a nonexistent human.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft at least 3 times and noticed that I have quite a few things on my credit report that do not belong to me. I have disputed with XXXX for years to remove and they did not. I have asked for proof that the debts belong to me and have gotten nothing. I have been reaching out since XX/XX/year>. Please help me to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on my home in XX/XX/2023. I was instructed to pay XXXX taxes in the amount of roughly {$6200.00} at closing. The bank/their servicer then double-paid the school taxes and deducted the roughly {$6200.00} from my escrow. I alerted them to the double payment, which they acknowledged, and it took them several months to cooperate with the town 's process to get a refund. Over a month ago now, I was informed that they had received a refund from the town and that the next step was to credit my account. I have now called several times and they have failed to return my calls, and continue to fail to credit my mortgage escrow account. The result is that the bank misappropriated roughly {$6200.00} of my money without my permission, has failed to return the money to me for about XXXX months now, was refunded by the municipality who received the double payment, and now has failed to credit me for the misappropriated money and interest for over a month. To add insult to injury, they have failed to return my calls for XXXX weeks now. This is unacceptable.
Product: Debt collection

On XXXX/XXXX/XXXX, I received a call from a collection agency named Credit Management, after a few minutes of research on XXXX I discovered this was a collection agency for XXXX. I contacted XXXX right away, and found out someone opened a fake comcast account under my name and there was a XXXX balance. I explained to them this was not me, I have worked with XXXX to try to clear my name from this account, which has my old maiden name XXXX, XXXX, Currently my name is XXXX, XXXX after marriage. They keep insisting it 's an identity theft, but no other accounts were opened during 6 months period except XXXX. I have never lived at the address XXXX XXXX XXXX XXXX , il, which this account is under, and from what i understand this address does not even exist. I reside at XXXX XXXX XXXX XXXX XXXX, il XXXX, i been living here for over 8 years. I used to have comcast service, and disconnected it XXXX/XXXX/XXXX, and the fake comcast account was created exactly 5 months from the date i disconnected it. I went to the actual office to disconnect my service, the XXXX office is located at XXXX XXXX XXXX, XXXX, il. I also have asked XXXX to provide me with a actual bill owed which they keep sending me XXXX. XXXX also stated that i 'm in collection, but when i ran my credit 2 weeks ago to see if there were any other accounts opened under my name the credit report does not even show the fake XXXX account. I have also asked XXXX to make sure that they do n't have more than one XXXX XXXX in their database, since my name is very common, maybe someone made an error, but they told me that my social security number is attached to it, so that makes me wonder how come they had this account opened for six months, not one employee noticed that not one payment is being made to this account, they also had me on collection they claim, so how come it does not report on my credit? Also why they refuse to send me a bill that states this is the amount that 's owed instead they send me XXXX bill, when i went to file a police report that 's exactly what the police department said, what is this this bill states you have a balance of XXXX. What 's even more interesting is that this fake account was addressed XXXX, XXXX, Il, but this address does not exist, but when i told that to XXXX they claim it des. I am a new mom this is causing a lot of stress on me. There is just something not right with this XXXX office on XXXX and XXXX, and XXXX is covering up, there possibly could be internal identity theft within this office, and there could be many more victims, this needs to be investigated.
Product: Payday loan, title loan, or personal loan

MY Wife and myself got this loan in XXXX and payed XXXX plus some extra per month My wife passed in XXXX and left a large debt because of her medical costs no life insurance for her so by that time I've payed the total of XXXX dollars and from XXXX to XXXX I payed another XXXX for a grand total of XXXX so far and they say that I still own them XXXX left to pay the loan was for XXXX XXXX and if have to pay any more I think that it would cost XXXX total of XXXX and that's with out the interest they would add so the XXXX I got would cost me about the total of about XXXX plus dollars for a XXXX dollar loan would be the cost of 3 times the amount when is this OK thanks XXXX XXXX XXXX
Product: Credit reporting

We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total
Product: Vehicle loan or lease

Honor Finance is reporting a balance of {$730.00}.

On XX/XX/2017, I spoke to XXXX who advised that the account was Paid in Full and that no balance was owed.

However, the report doesn't reflect that. After several disputes, the XXXX account updated to {$0.00} Paid after Charge-off, and then was later deleted all together, but on XXXX Only
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$2800.00}. Someone had used my information to apply for an apartment I believe a CPN. I went up there personally to resolve it but it is a major language barrier. 
XXXX XXXX ( insure of amount ) this is also a fraudulent account I did not give them permission to take a loan out. 
Ashmer Collection Service- {$720.00} fraudulent account not given my permission. Company has not followed up with any requested account information. 
XXXX XXXX XXXX Fraudulent account not given my permission. Company has not followed up with any requested for validation of account details.

XXXX Department of education - Balance was paid off in XXXX by me and my dad I need this take off my credit report. 
Ashmer Collections- ( Unsure of amount ) could not get in contact cant not get verification of account details XXXX XXXX XXXX XXXX unsure of amount ) fraudulent account cant get status or verification of account details XXXX XXXX- {$240.00} this account was used with a CPN as well when someone used my information to apply for an apartment. I asked them to verify and have yet to see anything removed I had a credit analysis done and didnt realize this is why I been having a hard time moving out of my dads house. I need some help getting this removed as I need to move out soon. I did lose my social, id on the bus 3 years ago and a lot of random stuff is reflecting on my credit that needs to be removed.
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX I called to apply for a Bank of America Merrill+ Visa credit card and was told that my application required further review. I called later that day to follow-up and see if I could speak to someone about the application and they went through all of the disclosures over the phone and said I was approved for a {$5000.00} credit limit. I asked to move over {$7000.00} from an existing credit card account to increase the new credit card limit to {$12000.00} and that request was also processed. I saw the new credit card appear in my online banking list the next day and I was told that the card would be mailed out immediately. Two days later, I get a call from Bank of America to tell me that the credit card was no longer approved and that they were closing the account. I was confused because I was told that the application was approved and was given the credit limit. The manager XXXX XXXX went on and tried to explain that the application should not have been approved because I had enough Bank of America credit cards. I offered to close one of them in exchange for leaving the new Merrill+ card intact. I had not violated any of the terms and conditions of the offer of credit or even had a chance to use the new credit card, so it 's unclear if the justification that Bank of America provided for closing the account is sound or even legal. The application reference number is : XXXX
Product: Credit reporting or other personal consumer reports

As a consumer I have a right to privacy and I have the right to opt out from getting my non-pubic persona information shared with non-affiliated third parties. When taking a loan from any financial insitiution, they must inform consumers of their rights. Under the XXXX XXXX XXXX XXXX, I have the right to opt out from getting my non-public personal information shared with non-affiliated third parties. XXXX, XXXX and XXXX are not affiliated with my financial instituiton that issued me the loan, XXXX Department XXXX XXXX Aidvantage. 

My rights have been violated by not providing me with the right to opt out from getting my personal non-public information shared.
Product: Debt collection

In XXXX I enrolled for the company to get off my old debts off my acct trying to get my credit source up over time they said it was falling off my report so when looked it was gone but when looked back at my report over time it pop back up, they said it was over and off
Product: Credit card

I phone capital one customer service to set up over the phone payment. I exchange information with rep including my bank routing number. We clarified my payment would come from my checking account. Capital one set the payment to come out of my savings. After three tries and negative XXXX in my savings I called them to try and figure out what happened. After several service reps I finally got a supervisor who XXXX way called my bank. Capital one left off XXXX XXXX in the beginning of the account. They did n't seem to think they were needed. My bank clarified that the XXXX zeros deciphered if the money was to come from checking or savings. She also indicated I would not be reported late for this error. She returned my late fees but told they they could do nothing about the XXXX in charges I had to pay my bank. She agreed the errors were computer issues with capital one and my bank. Next thing I know I have a 30 day late and this made my credit score dive XXXX plus points. I have tried everything. I emailed, chatted through email, called, and written. I have been told the late fee would be removed and yet again it is still there. I keep receiving letters from cap one stating there account information is correct however when speaking with them in person they say they are correcting it or will dispute it. When I file disputes with my credit bureaus they just take the information from capital one and never investigate my claim. I appreciate any and all help you can assist me with. My late is for XXXX. I have XXXX accounts with capital one and have never had a 30 day late reported until XXXX.