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

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

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation.
Product: Debt collection

In XXXX of 2014 I paid off an online payday loan. The original creditor was XXXX XXXX with a loan amout was {$300.00}. In order to avoid any legal action I had to pay {$760.00} to XXXX XXXX XXXX. They said someone was on their way to serve me with papers because I 'm being accussed of bank fraud and writing a bad check. I panicked and paid the {$760.00}. A XXXX weeks later I started getting calls from Clear Credit Solutions and they left me voicemails stating it was a legal matter that I needed to resolve before it goes further. I have only received funds from XXXX online payday loan which was paid off. These people continue to call both me and my finance ( who 's name is not on the loan only used as a reference ) and threaten to take legal action if I do n't pay. I 've filed compliants before with the attorney generals office, FTC and CFPB but nothing happens and I 'm scared.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, XXXX  and Equifax but the credit dispute has not removed the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Balance Owed : {$340.00} US DEPT ED XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was notified of a back pay of XXXX I owed on purchases I did not make. Someone hacked into my apple account and went haywire on my credit card that I was paying on. The balance was updated to appear as if my credit was available. But the person was using someone elses credit card to pay on the credit card the person reported it as fraud and I was slapped with XXXX plus dollars I never spent! I notified apple immediately. They have yet to get rid of these high charges! As a result they have ruined my credit. Which is incorrect considering I did not spend any of that money. My identity was used and I never received any of the packages.
Product: Credit reporting or other personal consumer reports

I have been recently informed that there is negative information reported by Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity XXXX Account Name : XXXX Account Number : XXXX Identity Theft Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect Address : XXXX XXXX, MD XXXX Identity Theft Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number XXXX XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a credit card account XXXX XXXX XXXX XXXX XXXX fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and Experian are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report.
Product: Credit reporting or other personal consumer reports

FNB OMAHA Account XXXX appears as a charge-off on my credit report. According to the IRS, an unpaid charge-off is income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the above account and be removed from credit report. This account can not be reported as a charge-off on my credit report. If the account was sold to another lender. Please send the 1099-C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows that I opened a line of care credit when I never did. I do n't know who or where this came from!
Product: Debt collection

NCB MANAGEMENT has placed negative information in my credit file, WITHOUT notifying me first, as per the FCR Act. I would have then told them, as i have written, them and the bureaus, this is not my debt, I have no relations with XXXX, and have never benefitted from such. A company is a " dead '' entity, and only exists because we the people created the State/Government, then gives this " dead entity '', limited powers. When does these powers include, now telling me who i am, or what i did, or am doing, XXXX, thus runs the show. 
The law does not presume an agency relationship exits just because an alleged agent says so, Armato v. Baden Restaurants, 71 cal. App. 4th 885, 84 Cal. Rptr. 2d 294 ( 1999 ).

a claimed existence existence of an agency relationship forces a fact intensive inquiry. See, e.g. C.A.R. Trans. Brokerage v. Darden Restaurants., 213 F. 3d474 ( 9th Cir. 2000 ).

NCB MANAGEMENT flaunts all DUE PROCESS LAWS, by placing this negative information in my file, without proving anything, that it is me, and/or i am the one responsible, only creating ultra vires acts, interefering in my Constitutional right to contract.
Product: Credit reporting or other personal consumer reports

Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Product: Payday loan, title loan, or personal loan

I have a small business and an 11 year relationship with PayPal for XXXX XXXX XXXX. They have a company call XXXX XXXX  or XXXX loans that they say is now owned by PayPal. 
They supplied me with a XXXX loan and I have been paying it off without issue every week with XXXX increments. I was getting down to the end of my loan and I applied to see if I could get a small increase, due to COVID and Pandemic issues my business is not back as we service XXXX XXXX XXXX around the US with XXXX XXXX XXXX Reps. 

If order to get you to send over all of your personal documents, they bait you into saying you are approved, for {$20000.00} they were going to provide the final pay off of my loan of XXXX and then provide remaining XXXX or so as I opted for XXXX as I never take on more than I need. 
I sent in my documents and then they turned me down due to my business obviously being still down but on it way back up when XXXX XXXX XXXX start in May of XXXX 
There are a large number of comments from others on their website who experienced the same thing.
Product: Credit card or prepaid card

WHAT THE XXXX IS WRONG WITH YOU PEOPLE????? YOU SENT ANOTHER USELESS CHECK RECEIPT ( SEE ATTACHED ) VIA XXXX DELIVERED TO MY FRONT DOOR ( AND LEFT IN THE POURING RAIN ) BUT NO VALID CHECK!!!!! AND IT WASN'T EVEN FOR THE RIGHT AMOUNT!!!! IT'S {$15.00} SHORT!!!! DO I REALLY HAVE TO SUE YOU TO BE MADE WHOLE BECAUSE YOU ALL ARE SO COMPLETELY INCOMPETENT???? TO BE MADE WHOLE YOU ALSO OWE ME THE {$15.00} XXXX XXXX DEDUCTED BECAUSE YOU ILLEGALLY STOPPED PAYMENT ON A CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR ( SEE PREVIOUS ATTACHMENTS PROVING XXXX XXXX TOOK MY {$15.00} )!!!! IF I HAVE TO SUE FOR {$50.00}, I'LL ALSO BE SUING FOR THE COST TO FILE THE LAWSUIT, THE COST TO SERVE CHASE, THE COST OF MY TIME OFF FROM WORK. WHAT DO YOU THINK MY CHANCES ARE IN COURT???? PROBABLY PRETTY GOOD SINCE I'VE GOT ALL THE PROOF THAT YOU STOLE MY MONEY TWICE AND NEVER SAID I HAD TO CALL TO CONFIRM I'D RECEIVED THE ONLY CHECK YOU SENT OR YOU'D STOP PAYMENT ON IT!!!!! THIS IS ILLEGAL AND COMPLETELY UNACCEPTABLE!!!! STOP SENDING USELESS PIECES OF PAPER VIA XXXX AND SEND ME AN ACTUAL XXXX CHECK FOR {$50.00}!!!!! WHAT DID YOU DO WITH OTHER NON-CHECKS YOU DIDN'T SEND ME????? DID YOU STOP PAYMENT ON THOSE TOO WHEN I DIDN'T CALL TO CONFIRM I NEVER GOT A CHECK YOU CLAIM YOU SENT???? COMPLETELY INCOMPETENT!!!!!
Product: Debt collection

To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. 

I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because XXXX, Experian, and XXXX  should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/22, Comenity Bank added a new account to my credit reports that list the credit card as a Bonton credit card. I have never had a Bonton credit card. 

This Bonton card is a duplicate of another commenity credit card called Carsons. Both account numbers end in XXXX and other data are mostly identical. 

Comenity removed the Carsons account from both my XXXX and XXXX reports leaving just Bonton. They have not removed either the XXXX or Bonton account from XXXX. This duplicate reporting resulted in a significant hit on my credit report. 

Additionally, Comenity provided data information on the Bonton reporting that is slightly different than the Carson reporting which results in a re-aging of the account and makes the Bonton account look like a new derogatory account thereby further hurting my score. 

I have disputed this via XXXX with Comenity confirming the Bonton account. Comenity verified the duplicate reporting which is amazing to me that both accounts can be verified when they are duplicates and report slightly different payment histories, months reviewed and activity designators. Additionally, Comenity added a current date to the Delinquency First Reported date which not only makes the duplicate reporting look as though it recently happened but is completely incorrect.
Product: Payday loan, title loan, personal loan, or advance loan

I was told by the company XXXX ( XXXX XXXX ) that I had the ability to refinance or request more money upon paying a certain amount of an existing loaned opened up months ago. I was told that restructuring the loan would not report any different other than the balance. Upon checking my credit report today, I noticed the unauthorized closing of my current paid up to date account on the XXXX of XXXX. I did not request or authorize these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I placed an order with Macy 's, first online then ( I thought ) a correction order by phone. I was trying to place the Macy 's order using XXXX to get cash back because it was a large order. The Macy 's representative told me it was too late to cancel the first order, so I was to let it come in and then return the first items ordered to Macy 's. The order by phone did not net me the XXXX cash back either when I checked, so I decided to return both orders. I was told to let everything come in, then return to the orders. I RETURNED EVERY SINGLE ITEM I RECEIVED -- EVERYTHING!!! Macy 's insisted I still owed them monies. I returned every item and should have been credited what I was charged at the time of the order. Macy 's is continually charging me late fees from {$29.00} to now {$40.00} and reporting late pays on my credit report, even in the face of my monthly rebutting the charges and asking for investigations. All charges were supposed to stop until the investigation was completed -- nothing stopped! My problem is I've been calling Macy 's since XX/XX/2020 to get this issue clarified and cleared up. They refuse to let me speak with a supervisor. No one can tell me why I owe them monies. Macy 's has reduced my credit limit, essentially ruining my credit, which I work very hard to keep clear. I believe Macy 's overcharged me but didn't give me full credit on my returns. No item was opened or broken, I should have gotten full credit for all my returns. Why should I owe Macy 's money when I returned each item in non-opened condition and timely as well? Can you please help me? My credit is being ruined systematically. My receipts are in my photos and email, not sure how to get that to you for proof.
Product: Debt collection

Hello I'm reaching out to you. I received numerous calls to collect a debt. I have actually two collection agencies trying to collect on the same debt from XXXX XXXX. The one agency is XXXX XXXX XXXX  and also Direct Recovery XXXX. I don't want to be paying twice for something and the same debt. I was wondering if you could help me out and letting me know if two debt collectors can actually do this. If you could please help I appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alert from XXXX XXXX of an inquiry from XXXX, XXXX and XXXX XXXX  dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Money transfer, virtual currency, or money service

Truist bank Mobile deposit XX/XX/XXXX - on XX/XX/XXXX between XXXX and XXXX XXXX I made a mobile deposit for a check for {$2900.00}, Ive been with bb & t/truist for over 8 years and also have my auto loan through them. Money goes in and out of my account every month to atleast pay for my car loan and Ive done multiple mobile deposit before. The have put an administrative hold on the check and says that my money wont be available until XX/XX/XXXX. I dont see why there is a hold being that the check is from an insurance company to pay for a comprehensive collision I was in. My car is currently needing to be paid for, I have to get to work I have bills to pay and also Im struggling at that so it doesnt make it any better. That means I would have to struggle to go and make my money for the day cause I wont be able to get my car for another week! Ive called this on XX/XX/XXXX and the first represntive told me that my money was deposited on XX/XX/XXXX and should be in the account on XX/XX/XXXX, I was a little skeptical about that because Im clearly looking at the app and mobile deposit receipt and it says XXXX so then i decide to call a few hours later with little to no help at all and was told the check has to be verified first and would have to wait to access any of my money. This isnt the only problem every time I try to send money to my checking account on truist the payment fails but works with my other bank chase. I get that there could be good reasons for this but seemingly everyone has been having this problem since a the merger with little to no help putting them in tonight positions and something should be done about it. This is really giving me a debate on Wether to continue banking with truist or not.
Product: Credit card or prepaid card

I am a victim of identity theft. I discovered that an account had been fraudulently opened with Fifth Third Bank on XX/XX/ when XXXX had notified me that my personal information had been used. I confirmed with the bank that my SSN was being used and immediately disputed the account as fraudulent. I was advised by the bank that an investigation would take place that could take up to 90 days to complete. XXXX The bank required supporting documentation be sent which XXXX sent to the bank via fax on XX/XX/. The documentation included an FTC affidavit, a police report, proof of my identity and proof of my address. This documentation was confirmed to have been received by the bank. Both myself and XXXX have attempted numerous times to receive an update on the banks investigation but have yet to receive any such update. I would like the bank to close the fraudulent account ( credit card ), remove any liability associated to my name, correct my credit report and provide me a release letter with the results of their investigation.