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

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership According by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding has reported three collections to public consumer credit file with the credit bureaus. LVNV Funding has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. The debts that LVNV have reported to my public consumer credit file are not valid thus LVNV Funding has no legal right to report this to my credit and attempt to collect a debt. I never authorized any accounts in relation to the debt amounts of {$1000.00} account ending in XXXX, {$760.00} account ending in {$8900.00}, and {$580.00} are the accounts and amounts that LVNV Funding is reporting. Reporting these invalid debts to my public consumer credit file is a violation of the FCRA.
Product: Credit card or prepaid card

Chase Bank NA has me as applying for a credit card with them on XXXX XXXX, XXXX and I never applied for anything.
Product: Vehicle loan or lease

Due to less hours in one my part time jobs i fell behind on payments
Product: Credit reporting or other personal consumer reports

I am writing to follow up the persistent issue of fraudulent items on my credit file, marking my several attempts to rectify this matter. It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items persist unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. 

Despite repeated efforts to dispute and remove these fraudulent items, they continue to remain on my credit report, causing significant distress and detriment to my financial well-being. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 Balance : {$11000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep frustration and disappointment with the lack of action taken by Apple Card/GS Bank USA regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. 

I discovered an unauthorized credit card account under my name with Apple Card/GS Bank USA XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. 

As soon as I became aware of this fraudulent activity, I immediately contacted Apple Card/GS Bank USA 's customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. 

Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, Apple Card/GS Bank USA has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter. 

I am appalled by the lack of urgency and concern displayed by Apple Card/GS Bank USA in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. 

I demand that Apple Card/GS Bank USA promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. 

I trust that Apple Card/GS Bank USA will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It's stuff on my credit report where my name is wrong and you can the amounts
Product: Credit reporting or other personal consumer reports

This was a personal loan. Payments were deducted from my checking account with the bank that gave me loan. They reported XXXX days late on the in the last week of the loan. Please fix this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first sent my complaint to Equifax back in XXXX XXXX XXXX  2017. Along with police report and supporting documents.  Explaining to them about the problem that I was having with XXXX XXXX for a fraudulent foreclosure against my property. After receiving my credit report. I asked to please remove XXXX XXXX  from my credit report. And said me a letter in writing updating the report wish Equifax refuse to do. I was told that there were not be able to do that write a letter but they would remove it from the credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'll sue for the following if not removed. 


1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Money transfer, virtual currency, or money service

Coinbase transfer XXXX/XXXX/XXXX for {$200.00} twice {$1.00} {$1.00} Total : {$410.00} XXXX/XXXX/XXXX I was trying to reach XXXX technical support by telephone about a XXXX charge of {$130.00}. The person on the phone took " virtual '' control of my computer. It was my fault for providing my bank information and debit card number. I realized shortly after that I had been scammed. Immediately I went in person to XXXX XXXX XXXX to dispute the charges. XXXX XXXX contacted me by email about these charges and initially provided me with " provisional credit. '' The XXXX XXXX XXXX Debit Dispute Department was unprofessional in the follow up contact with me. Initially I had contact with XXXX XXXX, a representative of the Debit Dispute Department via email. I was assured that most matters where  resolved within 90 days. XXXX/XXXX/XXXX I discovered that my ( new - changing debit cards after the scam ) debit card was declined at a local vendor Friday night, XXXX/XXXX/XXXX. I went to my nearest ATM to discover my account balance was negative {$380.00}. 

XXXX/XXXX/XXXX I received an unknown call on my XXXX from in XXXX, Texas at XXXX XXXX. I did not answer the call. The caller tried again at XXXX XXXX. and when I answered all I could hear was my voice echoing back. I hung up the phone. I found out Saturday, XXXX/XXXX/XXXX that XXXX XXXX XXXX had tried to reach me regarding the reversal of the " provisional credit. '' I received a written document that Saturday from XXXX XXXX from XXXX XXXX that is documented XXXX/XXXX/XXXX that the XXXX, Oklahoma XXXX XXXX XXXX  Monday, XXXX/XXXX/XXXX I took this issue and documents to the bank where my account was established in XXXX, Oklahoma. I was told in a meeting that Monday by the bank president, XXXX XXXX pointed that I " agreed to these charges. '' XXXX XXXX was demeaning and referred to my situation as a " little whoopsie. '' His only solution was that the bank meet me halfway and provide me with a refund of {$200.00} and that I was still be responsible for {$200.00}. When I requested 24 hours to think about this offer, I was told it would be taken off the table immediately. 

Since this episode with XXXX XXXX, I have moved my bank account to the XXXX XXXX XXXX in XXXX, Oklahoma. I have banked with this institution for over 20 years. I had no indication that I would be treated in such an unprofessional manner. I did not receive any mailed correspondence from the bank. The last email that I had received from the bank debit dispute department had been emailed XXXX/XXXX/XXXX from XXXX XXXX. 

It would cause great difficulty to move to another banking institution with my electronic pay from the XXXX of Oklahoma and with my electronic bills. I am still unsatisfied with the outcome of this situation. {$130.00} XXXX dispute with XXXX ( that was resolved and was refunded XXXX/XXXX/XXXX ) cost me over {$410.00}. 

I would appreciate if the scammer ( who is unknown to me ), XXXX, Coinbase and XXXX XXXX XXXX be made accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I, SENT TRANSUNION A NOTICE OF LIABILITY TO BLOCK AND REMOVE ALL INACCURATE AND INCOMPLETE INFORMATION BEING REPORTED ON MY FILE DUE TO IDENTITY THEFT, ALONG WITH MY FTC IDENTITY THEFT REPORT, OUTLINING MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681c-2 ( a ) A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS. IT HAS BEEN PAST 4 BUSINESS DAYS, AND TRANSUNION HAS FAILED TO BLOCK THE REPORTING OF THE UN-AUTHORIZED ACCOUNT ( S ) IN REFERENCE THAT ARE STILL FRAUDULENTLY REPORTING ON MY FILE, WITHOUT PROVIDING ME WITH THE DOCUMENTARY EVIDENCE THAT WAS USED TO MAKE SUCH LEGAL DETERMINATION, TO CONTINUE TO FRAUDULENTLY REPORT INACCURATE AND INCOMPLETE INFORMATION ON MY FILE. PER 15 USC 1681b ( a ) ( 2 ) TRANSUNION HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE I, NEVER GAVE THIS AGENCY MY WRITTEN INSTRUCTIONS TO FURNISH A CONSUMER REPORT AS THE CONSUMER. I NEVER GAVE THIS AGENCY MY WRITTEN CONSENT TO REPORT THE ATTACHED LISTED ACCOUNTS ON MY CONSUMER REPORT. TRANSUNION VIOLATED COMPLIANCE PROCEDURES PER 15 USC 1681e ( b ) ACCURACY OF REPORT AND FAILED TO CORRECT THE RECORD. TRANSUNION IS NOW WILLFULLY NON-COMPLIANT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

As of XX/XX/2018 ( 10 mos ) i was suppose to had open up an account with XXXX XXXX XXXX XXXX! I NEVER EVER EVER HAD XXXX XXXX AND I DIDNT EVEN HAVE MY OWN APARTMENT AROUND THIS TIME FOR ME TO HAVE HAD CABLE. this needs to be taken off my credit ASAP IM VERY UPSET BECAUSE THIS IS FRAUDULENT. And is making my credit score poor. The balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my personal credit file with Experian credit reporting agency. This account was opened fraudulently. You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report. 

( XXXX XXXX XXXX XXXXXXXX )
Product: Student loan

I am writing this letter about a Credit Bureau dispute with Sallie Mae. This account is up to date. I have uploaded a School Verification form twice. I have also spoken with 3 different counselors from Sallie Mae and I was told this would be taken care of. I have been harassed by this company every day since XXXX, 2020. I do not owe anything at this time except monthly payment that I have always made on time. My daughter has an in-school deferment that they have and have not processed. I am requesting they take off the extra monies, fees and send a letter to the credit bureau to restore my score. Sallie Mae needs to update my account and halt the harassing phone calls and take care of this matter ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the immediate removal of the fraudulent accounts and information being reported on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. 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/block any accounts listed on an id theft report. 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 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 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 XXXX XXXX XXXX. 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

On XX/XX/2019 5 items were removed from my credit report by a company called MCNEIL & MYERS XXXX On XX/XX/2019 the very same five that were removed were reinstated onto my record. 

*Reaging*
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, a financial wire transaction for sum of {$210.00} USD was executed with Western Union XXXX Co. Western Union XXXX Co for reason unknown to me my bank account was charged three times in the sum of ( 1 ) {$210.00}, ( 2 ) {$210.00}, ( 3 ) {$210.00}. A total sum of {$630.00} monies were withdrawn from my XXXX account and {$210.00} was payout by Western Union XXXX Co. Promptly, as soon as the error was detected dispute form was filed with XXXX XXXX XXXX XXXX in XXXX XXXX. All reasonable efforts initiated in good faith to reconcile the financial error by Western Union. 

Finally, On XXXX XXXX XXXX, my identify theft protection service alerted me to XXXX debt collector attempting to collect {$210.00} dollars. I contacted XXXX, who reported they are a collection agent on behalf of Western Union to collect a debt of {$210.00}. Contact was made with Western Union by emails and phone calls multi-times without adequate resolution. On a follow up check of Western Dispute # XXXX case opened XXXX XXXX, XXXX, Western Union informed me that the case has been closed. Western Union said they would reopen the case and look into it. As many times as I have attempted to communicate this error in good faith, they simply have been no resolution. I am concerned because negative financial information will affect my sensitive Government security clearance and position, I am concern that this may not be a isolated incident, I am concern that Western Union has repeatedly failed to resolve this rather simple issue. Documents have been submitted which clearly indicate that the statements above is both accurate and truthful. 

Please advise.
Product: Money transfer, virtual currency, or money service

Every time money is took from scams they claim I have to wait and never help or money just dispears of my cards and they can never find the source and help chat they have always close the chat never help causing stress anxiety and doesnt let me make a new account because I complain to much which is no help
Product: Debt collection

The following Violations were violated as a consumer - 15usc1692 ( B ) " an attempt to collect a debt '' is language that indicates your in the debt collection business which is a direct violation of 15usc 1692 ( b ) 5 -1692 ( C ) being contacted at a time that is inconvenient for the consumer -1692 ( C ) did not have my prior consent to contact me, the consumer at all which included via mail, telephone and email.
Product: Mortgage

PLEASE REFER TO CFPB REPORT XXXX REGARDING XXXX XXXX. THIS IS BORDERLINE XXXX. I EMAILED EARLIER REGARDING THE LETTER SENT BY XXXX XXXX DATED XX/XX/XXXX AND I ATTACHED A COPY OF THE XXXX XXXX TRACKING PRINT OUT WHICH BASICALLY STATED NO SUCH TRACKING NUMBER BASICALLY EXISTING. NOW WE ALL KNOW THERE IS A XXXX XXXX XXXX WHICH IS GOING TO RETRO ACTIVATE THE PREVIOUSLY UPLOADED TRACKING NUMBER AS IF IT WAS AN OVER SICK. 


AS A RESULT OF MY EARLIER COMPLAINT XXXX  SHOES UP AT THE DOOR AGAIN TODAY XX/XX/XXXX WITH THS SAME EXACT LETTER FROM XXXX XXXX DATED XX/XX/XXXX. THE TRACKING NUMBER XXXX XXXX XXXX XXXX POPS UP. IT APPEARS IT WENT FROM XXXX XXXX XXXX / XXXX AND HIT MY ADDRESS XX/XX/XXXX. AND IT WAS NO EVEN SENT PRIORITY. LOL SUGGESTION IF SOMEONE IS TAMPERING WITH THIS TRACKING SYSTEM IT IS ALL INTERNALLY. 

AS FAR AS XXXX XXXX IS CONCERN SAVE YOUR MONEY., STOP SENDING THIS CRAZINESS. YOU KNOW WHAT YOUR BANBK IS GUILTY OF XXXX AND MORE FRAUD. THIS BACK TO BACK ACTIVITY SCREAMS GUILTY. WHAT IDIOTS! 


YOU SHOULD HAVE INVESTIGATED THIS ISSUE FIRST REPORTED BUT, YOU FOLLOWED DIRECTIVES FROM THE RETAINED ATTIORNEY XXXX XXXX XXXX AND PREPARED A FRAUDLUENT PAYMENT LEDGER TRYING TO MAKE IT APPEAR WE PAID XXXX XXXX FOR MORGTAGE PAYMENTS NOTE. WE NEVER HAD AN INITIAL MORTGAGE! 


JUST STOP!
Product: Student loan

I applied to renew my income driven repayment plan. It was denied. I called advantage on XX/XX/22 to get information to be placed on a more affordable repayment plan. I was told my payment plan would be XXXX $ /month. I agreed to this. I then received a message the next day denying my plan. I called aidvantage on XXXX was supposed to be connected to a representative but was instead sent to a survey to rate my satisfaction with the representative whom I never spoke to and then the call was automatically disconnected by the servicer at the end of the survey after never connecting me to a representative. I called back and was finally connected with a representative. They asked to put me on a hold. My call was then taken to the survey and again disconnected before any resolution was resolved.
Product: Credit reporting or other personal consumer reports

Im really disappointed to see unauthorized inquiries suddenly appearing on my credit report tonight. I check my report regularly, but this time, these unexpected discrepancies showed up. I tried refreshing my browser, hoping it was a technical error, but the inquiries are still there. This is really frustrating, and I ask that my documents be carefully examined so I can avoid this worry in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX XXXX  XXXX  XXXX ACCT XXXX : XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX