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

After viewing my consumer credit file on from XXXX, and XXXX XX/XX/21 I the consumer XXXX XXXX noticed a consumer report furnished by Capital One Bank USA NA account # XXXX without my consent and instructions that they need to have to furnish such report according to 15 USC 1681b ( a ) ( 2 ) the permissible purposes section of the FCRA ; Capital One Bank USA NA included in the consumer report things that shouldn't be included in their also according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ), ( B ) of the FCRA exclusions subsection. It stated the following : 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) says a consumer report does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' While 15 USC 1681a ( d ) ( 2 ) ( B ) States that a consumer report does not include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. For Capital One Bank USA NA furnishing a consumer report without my consent or instructions this constitutes as identity theft under the FCRA. Which makes them civilly liable pursuant to 15 USC 1681n and their negligence according to 15 usc 1681o for them failing to take proper care and the mismanagement of their procedures for them reporting inaccurate information as well as invading my consumer privacy, actual damages occured on the bases of defaming my character for them furnishing a deceptive according to 15 USC 1692j ( a ) in them opposing as the creditor of me when I am was the original creditor in this manner by way of offering and having my consumer credit be extended from my open end consumer credit plan. I by way of notice on XX/XX/21 sent a notice to Capital One Bank USA NA of FCRA violations by way of certified mail receipt # XXXX XXXX XXXX XXXX XXXX I attached all said FCRA codes that they are in violation of
Product: Credit reporting or other personal consumer reports

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting

Equifax Information Services has been reporting negative inaccurate information in my credit file. I 've been disputing with this company for over 2 years to get this information removed and they refuse. 
The XXXX accounts have me listed as an authorized user which I never authorized anyone to add me to their account. I have been a victim of identity theft which I have sent them copies of XXXX police reports and nothing has been done. They stated that the company ( XXXX XXXX XXXX XXXX ) verified that it belongs to me which in the report clearly states AUTHORIZED USER so how am I being held responsible/liable for someone else 's debt. Under the Fair Credit Reporting Act, if the debt ca n't be verified within 30 days, then it must be removed. The letters they have sent to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. Now I will be suing Equifax as well as XXXX XXXX XXXX XXXX for causing me damages such as denial of credit and increased insurance premiums. I have provided more than sufficient evidence to get these false accounts removed. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and XXXX XXXX XXXX XXXX for violation of the Fair Credit Reporting Act and Defamation. 
This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX CU Account # XXXX
Product: Credit card or prepaid card

On XX/XX/21 I applied for a retail Fortiva Card at XXXX XXXX auto shop and was approved. On XX/XX/21 I called the number at the bottom of the approval slip to get my ENTIRE account number and they claimed had no record of me in their system after telling me they found me 3 times. They were able to repeat Information back to me but then transferred me to someone who then claimed I was not in the system who also refused to give me the FULL account number.
Product: Credit card or prepaid card

As I continue to pay down credit card debt, Citibank along with other companies have been lowering my limit down to my current balance which in turn makes me look maxed out on my cards which is detrimental to my my  credit score  and perpetuates my credit worthiness problem. I wish they 'd just let me pay down my cards without constantly lowering my limit, especially since I 'm trying not to charge anything!!!!!
Product: Debt collection

today XXXX I got a Credit alert on my Bank app saying that I had a Mayor derogatory cause by an account with a company named { Amerifinancial Solutio. 

but i have never contact this company.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.


Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Payday loan, title loan, or personal loan

It seems an account was applied for, money received, some payments made and then payments stopped. Now I get notices of amounts due that are very high. I never applied for this loan in the first place! They are claiming to send it to collection and ruin my credit. Loan was done online without my knowledge. Used my bank account too. When I noticed payments coming out of the account I stopped auto payments. Now they claim its past due and are asking for double the amount someone applied for initially! 

I am not paying this loan. 

Filing ID theft report as well. 

Company name they go by is Balance. 

Fraud mixed with exorbitant fees!
Product: Debt collection

On XX/XX/XXXX I received an email from PayPal sending me and invoice for {$500.00}. I ignored it and didn't think anything about it until I noticed on my credit report that a collection agency was attempting to collect a debt from PayPal in the amount of {$440.00}. In the email I received from PayPal, it states that there is evidence that my account has been compromised. The company holding this debt is XXXX XXXX and it appears four separate times on my credit report. I was even sued by them in my county over these debts. I have no recollection of ever having owed PayPal any amount of money. 

I am disputing an unrecognized debt appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate and remove inaccurate information. Additionally, 15 U.S.C. 1681s-2 prohibits furnishers from reporting incorrect or fraudulent debts. This debt does not belong to me, and I request an immediate investigation and removal. 

" Further, due to the well-documented XXXX XXXX data breach ( FTC v. XXXX, XXXX ), I believe my personal information may have been compromised, leading to this unauthorized debt. As a victim of potential identity theft, I invoke my rights under 15 U.S.C. 1681c-2 to block this fraudulent information from my credit report.
Product: Mortgage

trying to refinance with XXXX XXXX XXXX -- XXXX -- after turning in all required paperwork and paying XXXX dollars for an appraisal on XX/XX/XXXX the company quit corresponding and was not returning my emails -- they did email a form to sign that I received my appraisal within 3 days and I did not sign it, nor did I receive my appraisal -- I have emailed XXXX different people and left messages for 2 different people -- just getting the run around -- I 'm not interested in working with this group at this point but I do want my appraisal, or my XXXX dollars back
Product: Mortgage

I applied for a refinance with AMERISAVE Mortgage. In the beginning of the process, they requested a ton of documents and I responded to each immediately by uploading the requested document. Then I received a notification that the upfront loan fee of {$500.00} had to be paid to continue the refinance process. Additional records including changing the mortgage company name on my homeowner 's insurance policy were requested, done, and uploaded. I have attempted to call every phone number on the web and on the emails for this company and now all the phones are disconnected and no longer in service. They took my money and they have all my personal information. What can I do?
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. XXXX XXXX- XXXX XXXX ( Acc. # XXXX ), XXXX XXXX XXXX XXXX XXXX # XXXX ), XXXX 's XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 the information is inaccurate.
Product: Vehicle loan or lease

XXXX has my loan for our car that was totaled in XX/XX/2019. My insurance company and I have been calling weekly over the last two months attempting to get a letter of guarantee to get the loan paid off. XXXX has changed their story every time we call. I was told the letter was sent back in XXXX then it was they needed additional information from the Insurance company which was received on XX/XX/XXXX. Then it was they had the wrong fax number then it was the letter was never created as the total loss department is backed up. Then last week i was told that the total loss department is caught up but mine was overlooked. They can't communication with the Total loss department other than email. There is no way to call them. I have called 1-2 times a week and keep being told i have to wait there is nothing they can do. Multiple emails have been sent by my insurance company and the customer service team to this total loss team, but yet not one of them have been responded too. My husband and I both work and have a XXXX XXXX XXXX. We need 2 cars, we have had a hard time getting another loan as this one is still reflecting on our credit report over 2 months after it's been totaled. We had to get a loan for a new car with a higher than we ever had interest rate and we can't afford to pay three car payments. So now this loan is behind and they are reporting it to our credit when it should have been paid off over two months ago but we are waiting on them. I talked to two supervisors over the phone with customer service who keep telling me i'm XXXX there is nothing they can do as they can only email the total loss team. The stress and time i have put into this totaled car over the last three months is ridiculous. How can a company 's only contact with a department be by email? XXXX is gaining interest and fee on this account by not allowing us to pay it off. But yet i have to continue to take time out of my already busy schedule to call and get told that i have to wait longer. I have been waiting long enough! All the insurance company needs is the letter of guarantee and this loan could be paid off.
Product: Student loan

On or around XXXX XXXX, my XXXX XXXX was taken over by Navient & my due date was changed with no notice. I began paying my student loans monthly through Navient ( I have never missed a payment since I started paying approximately the XX/XX/XXXX ). Although making payments in a timely manner, I noticed it continuously said late & they were charging me late fees. I did call & spoke to a customer service representative who confirmed I was making my payments. Around XXXX XXXX I submitted a payment ; however, my account said delinquent. When I called they were extremely rude and explained I had been overpaying on XXXX loan and failed to pay on the XXXX loan. I had originally consolidated my XXXX with my private loan through XXXX XXXX so supposedly they had put my payment towards XXXX and not the other. My credit score had subsequently dropped in 2-3 months from an XXXX to around a XXXX with a delinquency on my credit report. I have been working hard to raise my credit score since and according to my credit report I range anywhere between a XXXX and XXXX now. I had made numerous complaints through Navient and was told by their customer service reps : " too bad. '' Since then, I have consolidated my federal loan through XXXX to receive loan forgiveness as a government worker and also to get XXXX loan out from under Navient ; however, my private loan is still through them.
Product: Credit reporting or other personal consumer reports

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of the following accounts.XXXX XXXX XXXX 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: Credit reporting

XXXX XXXX XXXX erroneously mismanaged this account and fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion. They have erroneously reported me as a charge off collection remark since XXXX but more importantly the stature of limitations regarding the FCRA guidelines is from date of last payment which on this dates back is XXXX. And this needs to be deleted off my credit profile as of XXXX. This needs to be updated to current or deleted now for fraudulent reporting activity
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  was sent a letter regarding incorrect and inaccurate reporting to my credit report. They are falsely reporting 60 days late on XX/XX/2019 to which I alerted them of. The company dismissed the issue stating the information is accurate even though the information is clearly available in previous statements. I have attached a copy of my Equifax credit report, a copy of the letter sent to several Executive employees as well as their negligent response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about my payments to XXXX XXXX XXXX XXXX in XXXX MA. At the end of the year they went back and applied all my payments that were only a couple weeks late to my upcoming payment, making it look like I had missed my XXXX payments. I have checks with dates and withdrawal dates that prove I paid them all within 30 days. Late payments should not be reported to credit bureau unless > 30 days late. So for example my payment is due on the XXXX of every month. In XXXX. My check was sent XX/XX/XXXX and was cashed XX/XX/19. Then in XXXX I sent it 2 weeks late and they didnt cash it until XX/XX/19. But that is still within the 30 days. They applied this payment to my XXXX bill early and reported to credit that I missed my XXXX payment. UNACCEPTABLE. I have never missed a XXXX dollar payment since I got the loan 3 years ago. This dropped my credit score 100 points right as Im about to start applying for mortgages!!!!
Product: Debt collection

I have been back and forth with this company. Im unaware of this debt. I have never received the opportunity to dispute this before they put it on my credit report, I never received notification. If company feels that I have can they please send me trail of content on which the day they received the debt, the day they mailed the notification out and the certified mail receipt slip that says that I received it and the signed copy with my signature all within that 5 day period date stamped. To date I have received none of these items