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

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$700.00} XXXXXXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa XXXX Soc Sec # XXXX XX/XX/21 Equifax Attn : XXXX XXXX - President, CEO & XXXX XXXX : Consumer Report Certified Mail # XXXX To XXXX XXXX : Under 15 US Code 1681 ( a ) ( 4 ) -Permissible Purpose of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute letter. 

Concerning cases listed below ( Exhibit A-Consumer Report ) as a Consumer, I am demanding that ALL information your company is reporting negatively including late reporting on these particular accounts be reported as on-time positively, with a Zero Utilization of each account immediately. I have attached the Exhibits
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late/closed XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I did not request anything to be removed off of my credit! This complaint is NOT all about credit inquires on my credit report. This is about XXXX XXXXXXXX XXXX XXXXXXXX XXXX committing FRAUD, According to 15 U.S. Code 1605 - Determination of finance charge. The amount of the finance charge in connection with any consumer credit transaction SHALL be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH TRANSACTION. With that being said XXXX XXXX XXXX XXXX XXXX is committing fraud by forcing people to pay cash ( Down payments ) in a finance charge, and when they refuse to pay cash down they deny their credit application. This is Disparate Treatment of inconsistent application rules and policies that is being projected on me and violates Truth In Lending and Equal Credit Opportunity Act. At the end of the day, I just want XXXX XXXX to Accept the terms I have provided them with according to the Law, approve my application, and ship the vehicle in the Brochure to XXXX XXXX XXXX XXXXXXXX XXXX. Thank you very much again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Credit Bureau refuses to update my account to reflect factual payment history made on the account. I paid off the account and XXXX then re-opened it showing a still remaining debt. I had asked XXXX XXXX XXXX XXXX XXXX XXXX to supply the factual payment history and paid off and closed out accounts which they agreed to doing to all three credit bureaus and only XXXX is showing paid off. Experian does not reflect paid off and closed account but their payment history is accurate. XXXX  refuses to update my accurate payment history and closed out paid off auto loan account with XXXX XXXX XXXX XXXX. I requested to speak to the supervisor of the member accounts solution department because I was being lied to, ignored and refused to respond to written requests for information. XXXX XXXX was informed of the actions and behaviors of XXXX but I had to tolerate and endure unprofessional treatment and conduct for months without resolve. I contacted XXXX directly and initially the customer service agent did not think she could do anything, I asked to speak to supervisor named XXXX who said his department is highest any consumer can go and there is nothing he can do because the only way to change the report is if XXXX supplies the information. He said he didn't any supporting information to show otherwise and refused to provide any other information and stated even though I am saying XXXX reopened a previously closed out and paid off account there is nothing he can do as the only way that would have happened is by XXXX notify and sending in that information to still show a debt and open account. He then refused to supply any other information and no longer wanted to say anything as he said the dispute results were accurate and I would have to contact XXXX myself because I was no longer able to file a dispute about the account. I supplied the statements and email correspondence with my dispute showing I made payments and closed out the account and verified and confirmed this with XXXX XXXX but XXXX XXXX said that they aren't able to take anything I submit and refused to give any reason why they were not able to use that information. I did everything I could possibly due to correct this on my own and directly with XXXX XXXX and with XXXX and Experian credit reporting companies but have not been able to get this resolved own my own after multiple online and written disputes directly with the companies and through third party companies like XXXX XXXX. I need help and requesting assistance in helping me get correct and accurate information supplied on my credit reports and payment history which XXXX is refusing to do and Experian hasn't updated either.
Product: Debt collection

I cancelled services with XXXX XXXX XXXX in XXXX of XXXX, I paid the amount owed, I was told in XXXX of XXXX a balance was owed due to equipment not being returned, through many XXXX representatives via phone conversation, I informed them I was unable to return the equipment due relocating to a different state, I paid the associated fee and was even credited money back due to an overcharge. In XXXX of XXXX a collections appeared on my credit report from Harris & Harris Ltd, after providing the information provided below they denied XXXX internet services was paid the amount that was paid and have not provided an explanation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 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 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 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
Product: Credit card or prepaid card

This regards an XXXX XXXX XXXX issued by XXXX and their failure to address 263 charges of {$20.00} each made toXX/XX/XXXX, which I did not make, over a 2-day period in XX/XX/XXXX. I first noticed these charges, totaling around {$5000.00}, on or near XX/XX/XXXX and calledXX/XX/XXXX customer service immediately. I have never been toXX/XX/XXXXand never visited XX/XX/XXXX online. I did not make these charges. I was told a " case '' was opened and that this would all be addressed. A new card was issued to me. 

A few weeks later, I noticed that these charges were ALL posted to my NEW credit card ( dates of posting were between XX/XX/XXXX and XX/XX/XXXX ). Again I called and was told this was a " mistake '' and that another new card would be issued to me. I was issued a new card and have never activated it, never used it. However, as I kept checking my account online, the XX/XX/XXXX charges were not disappearing and showing up as balance owed ( with interest accruing ). I called again to complain and was told a case had " not been properly filed '' but that it would now be done, and I shouldn't worry. I also began sending messages through the online portal on my XX/XX/XXXX account. After >50 messages sent, not even one has ever been responded to. 

Now, as recently as XX/XX/XXXX, about 75 % of the XX/XX/XXXXcharges from XX/XX/XXXX and XX/XX/XXXX were posted to my second new card. This is the card I HAVE NEVER USED NOR ACTIVATED. Today ( XX/XX/XXXX ) I called yet again to complain and was told AGAIN that a case had not been " properly '' opened. It has now been >90 days. My credit card balance remains around {$4000.00} from charges I never incurred. Interest is accruing. A XXXX payment is due. My credit score will undoubtedly be affected. I have a daughter in college and am taking out loans for her. This may not be a serious situation to XXXX, but it is dire to me. The US Federal Trade Commission is my last step before considering private legal action.
Product: Student loan

I have had Loans with Navient since graduating from XXXX XXXX XXXX XXXX  in 2007. Because of the nature of my industry at the start of my career I had alot of difficulty finding work and managing my payments to Navient. 

Every single time I had difficulty paying off my loans Navient either gave me absolutely incorrect information suggesting forbearance vs income based repayment or other cheaper options, often costing me money to enter forbearance and also costing me money in the form of interest accrued during those times. 

Navient also originated a predatory subprime private loans to me and my father, even though it knew that there was very high percentage chance I wouldn't be able to pay it back, due to low graduation and placement rates at the school I attended. 

Navient also continuously failed to apply correct payments to my accounts during the course of my loans often misallocating or arranging the payments in ways that would cost me more than if things had been allocated properly. 

Navient also is in direct violation of the settlement terms of the XXXXXXXX XXXX XXXXXXXX case and has not only ignored my requests but flat out denied responsibility to do anything. They most recently denied my attempt to enforce the complete removal of the originating loans from my credit report. In contempt of the court rulling. 

Navient also violated the Telephone Consumer Protection Act by utilizing an automatic telephone dialing system to try to collect on missed payments. Calling sometimes outside of normal business hours. I know this was an automated system from the multiple different numbers that navient used to call from making them difficult to track and from the lengthy pause and click when I would answer and it would connect and transfer me to a representative. I tried several times to revoke consent and ask them to not call me or to not call my father but this was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX
Product: Checking or savings account

On XX/XX/2019 I was approached at a Chase ATM and forced to deposit a fake check. It was after hours and the doors were not locked at that branch, allowing anyone to walk in even if they did not have a Chase card. The man in question took {$560.00} from my account and fled. 

I called Chase right away and filed a police report. The next day I complete an affidavit of fraud and submitted it to Chase as well. They said they would investigate and they gave me my money back. 

Now, three weeks late they have taken the money back and denied my claim. Basically, they blamed me for what happened and claim they are not liable. I was in their ATM at their bank and I am not being believed for being robbed. I am out of {$560.00} and can not pay my bills. The customer service was horrible and they blamed me for what happened.
Product: Mortgage

XXXX loan company went under and my loan was picked up by XXXX and assigned a loan number. I pay thru my bank monthly and on the XXXX  of the month or the first bank day of the month.. I then received a letter from Loancare about my loan with out any other information and I gather assigned a new loan number. I paid my XX/XX/2019 bill to the first number and the same for my XX/XX/2019 bill only to receive notice that I hadn't paid at all. a call was made to XXXX and I found out that my loan was being handle by their other company Loancare. with this call I was told that all was straightened out and that they would report an error to the credit reporting companies. on Saturday I received a package from Loancare saying that my loan was in foreclosure and for me to fill out a certain form they sent me. I made a call to them asking to talk to a supervisor about this and was told they couldn't get one right away but I would be called back within an hour and I haven't been.
Product: Debt collection

Just recently I spoke with a representative from Exeter Finance LLC. I spoke to him about my contract and the fact that even though the CEO said that a part of my contract was not funded, it still makes my the contract void because it has incorrect information on it causing me major confusion. I explained this him and he asked " why didn't you ask questions if you did not properly understand the contract? '' I then replied : " I did ''. Then he went on to say that if i did then i would not be calling about it now. After a long conversation, I asked him for a account XXXX XXXX of my account. He did not know what I meant because he offered to send me a statement of account which I already have. I then told him that i need to see a copy of the check that was sent over to XXXX XXXX in order for me to drive out of there with the car. He then refused and said that he can't do that. I then said I should be able to see the copy of check that you issued to XXXX XXXX because I am asking for debt validation under the Fdcpa which is federal law. I then asked him to send the debt validation within 14 working days so that we could sort this out. he then said OK. I still have not received the copy of the check given to XXXX XXXX from Exeter Finance. I have no proof that this debt is valid and need to see the copy of the check before we can move forward. I also want to bring up the fact that I heard from another Exeter FInance LLC representative that all down payments have nothing to do with the finance company. So the {$3000.00} down payment I paid for the vehicle in question did not go to the finance company : Exeter Finance. If that is the case, why was it on the FEDERAL TRUTH IN LENDING TABULAR at the top of the retail instalment contract? It is against the law to lie on the FEDERAL TRUTH IN LENDING TABULAR located at the top of the contract. Also, why does the retail installment contract say EXETER FINANCE CORP when that place does not exist. Another error in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted XXXX XXXX XXXX to pay off debt {$1700.00} to restore my credit. I have a Credit Monitoring account with Experian, to help monitor my Credit file, as I monitor my credit report and file, I notice, discrepancies on my Experian account information which needs to be corrected by Experian they have on my credit report that I have a balance of {$38.00} and that's incorrect, I have documents that show evidence of the balance between XXXX XXXX XXXX and me {$0.00}, and will like for Experian to correct this matter.