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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please look the attachments XXXX, Equifax and XXXX? Listen, Im a little concerned because I received notification since XX/XX/2020 when I called this original creditor XXXX XXXX XXXX card and they mentioned that they did their investigation and noticed that Im not LIABLE for this account and theyve ordered all the major credit reporting agencies to DELETE this tradeline from my credit report as shown on the screen of a letter I received from them. Why are you still continue to report this account on my credit report? Not only Im NOT LIABLE, this account continues to report mullite inaccuracies and I want this deleted effective now. Look, at the pictures below, its reporting 3 different dates of last opened, last reported, last active, different account status, different account HIGH balance, different and inconsistent with payment history, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.
Product: Money transfer, virtual currency, or money service

I did my ny state unemployment with state benefits the state gave me back pay and in direct deposited to my account. They gave me a XXXX $ balance I go take off XXXX then another XXXX $ so I can have XXXX ) because if the XXXX $ cap limitation limit. My car payment was XXXX $ next I needed gas so I tried to get gas card declined.. then. Go home I try to pay rent XXXX $ denied. We have been waiting on unemployment money for weeks and PayPal close my account with my money in it. I need to pay my bills during the corona virus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX  XXXX {$660.00} XXXX  XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, for months. XXXX and Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

On XX/XX/XXXX I was alerted of a collections account being posted to my credit report for {$120.00}. I was unaware of this debt, and had not received any notification of an outstanding bill to my home address or by phone. I contacted the collection agency known as SUNRISE, and was told by a customer service representative an account was found, but it was in a status of " Revoked '' and was from TWO years ago. She further stated I could not pay or do anything with the account. I did not understand what this account was from, and was unfamiliar with it. She continued to advise it could possibly be an accidental report, and would fall off, and to not worry about it. 

On XX/XX/XXXX I observed my score to be impacted by a loss of XXXX points. On XX/XX/XXXX I called XXXX ( XXXX XXXX ) who advised they did have an active balance of {$120.00}. I submitted payment, even though I disagree with this, and further did not receive any notification of a debt prior to it being posted to collections.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my vehicle repossession, specifically the lack of proper notification and failure to comply with consumer protection laws. The details of the complaint are outlined as follows : XXXX. Lack of Written Notification of Repossession : I was never notified in writing of the repossession of my vehicle. According to federal and Delaware state laws, creditors are required to provide written notice prior to repossession. However, I received no such notice from XXXX XXXX XXXX. 

XXXX. Failure to Provide Notification of Reclamation Procedures : Following the repossession, I did not receive any notification regarding how or when I could reclaim my vehicle at auction. This lack of communication deprived me of my rights as a consumer and prevented me from taking necessary actions to mitigate the situation. 

XXXX. Absence of Notice Regarding Auction Sale Proceeds : Additionally, XXXX XXXX XXXX failed to provide me with a letter stating the amount for which my vehicle was sold at auction. This lack of transparency violates consumer protection laws and deprives me of crucial information regarding the disposition of my asset. 

XXXX. Failure to Provide Required Tax Documentation for Charged Off Account : Furthermore, the account related to the repossession was charged off by XXXX XXXX XXXX. Under federal law, companies are required to issue a Form 1099-C to taxpayers when a debt is canceled or forgiven. However, I did not receive any such documentation from XXXX XXXX XXXX, despite the account being charged off. 

I believe that XXXX XXXX XXXX 's actions not only violate federal and state consumer protection laws but also demonstrate a disregard for ethical business practices.
Product: Debt collection

Sent numerous letters, in 2020 to Vance & Hoffman LLC. Stating that I am a victim of identity theft and that they must cease and desist all attempts to communicate with my in any attempt to collect a debt that I have no knowledge of and all are to discontinue from reporting false and misleading information to XXXX and XXXX and any other credit bureau that exist. 

Vance & Hoffman LLC - XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to XXXX XXXX XXXX XXXX XXXX, CitiBank National Association and XXXX XXXX and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions.

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act XXXX. XXXX Acct # Card ending in XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Citi Bank National Association Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX
Product: Checking or savings account

I signed up for a free sample of XXXX and the company automatically signed me up for a membership without my permission or knowledge and charged my bank account {$81.00} and will not refund money which put me in overdraft I am experiencing extreme medical hardship financial And on XXXX I need the refund NOW XXXX XXXX XXXX Do not email me Only text my number
Product: Credit card or prepaid card

I sent a letter to capital one requesting a 1099 and that my account be listed as private. 
They sent a response letter verifting my name social and address, that had nothing to do with my request. I did NOT ask for a verification. 
Capital one falsely claimed IN WRITTING that I disputed my account and restricted access to my cards because of said allegations. 
Capital one stated they can't respond to 3rd parties, and in addition reported FALSE damaging information to the credit bureaus claiming I disputed my accounts as fraudulent.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the SAVE PLAN. They have erroneously denied and/or processed my PSLF application incorrectly. I selected SAVE when I submitted my consolidation request on XX/XX/XXXX. It is showing on your site as cancelled, so I resubmitted another IDR request in XXXX, which was closed out as a duplicate. Please process my request for SAVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to reach Experian they have not a single person you reach by phone. They are unethical and fraudulent. I understand they get by on advertising and selling credit cards to people but they will not speak to me about my issue. I paid off a loan of {$53000.00} and my score has continually gone done the past 3 months. My credit was almost nearing perfect and I was downgraded almost 53 points for paying a loan off. Experian should be stopped and shutdown for there interfering with the truth. They lie and cheat to make money. 

Please let me know how I can fix this issue with Experian XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I sent in a personal check in the amount of XXXX in an attempt to pay off my loan. I took the envelope with the payment into the post office and paid an additional fee for priority mail with a tracking number. The address for the company 's payment processing was a P.O. Box. The payment was delivered to the company 's P.O. Box on XX/XX/2019 according to the post office tracking information. 
I have attempted numerous times to inquire as to the status of the payment ( whether it has been received, etc. ). Netcredit constantly puts me off, never answering the question as to when it is they actually pick up their mail for mail-in payments. I have sent them images of the check as well as the receipt from the post office showing when and where it was mailed. All they do is ask for a copy of the back of the check, avoiding answering the question of receipt of payment. 
I've had issues with this company in the past regarding making any early payments which is why I am attempting to pay them off as soon as possible. The amount sent,XXXX would have paid off all if not most of the loan but since " they do not see any payment received '', additional interest accrues daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've so far tried simply freezing my credit to make sure I don't get any more unauthorized credit inquiries. I don't believe I'm able to dispute those inquiries just yet and might just wait until they fall off. I had viewed the report ( Experian ) over the weekend and found a list of inquiries that I didn't recognize. Although some I did recognize, those were mostly auto loans made by XXXX XXXX and XXXX XXXX. Most of the inquiries on the list that don't recognize are at the tail end of XXXX.
Product: Debt collection

My name is XXXX XXXX, just after my XXXX birthday on XXXX XXXX, 2012, I went to XXXX XXXX XXXX center for an XXXX. I was brought directly into the XXXX and my mother and father filled out the paper work, putting their information in the phone number and address section, by mistake. After receiving treatment I paid the hospital in full and got a receipt of payment. 

After paying the hospital, I thought that everything was handled and taken care of. I am now XXXX, and looked up my credit score, before applying for a credit score. I then found that I have an account in collections through a company of RBC collections, in XXXX, OH for {$400.00}. So I called RBC and they said that XXXX XXXX XXXX XXXX XXXX, billed my for services provided by the doctor, even though I paid the hospital. At this point I ask if there is anything they can do to lessen the amount, because I do n't feel I owe them that money. RBC replied that they contacted my father and mailed papers to my father, and he replied back by telling them not to contact him with my debts. So RBC sent the debt into collections without ever contacting me, I was never aware this existed until I saw the debt on my credit score. 

I then told RBC that this is the first time that they have had contacted me and that I need a validation of debt within 5 days in accordance with the Fair Debt Collection Practices Act, or their is no way I 'm paying the bill and I will ask for the account to be closed. The woman from RBC then replied that there is no way they can work with me on the price because the account has been in collections for so long, and because my father never replied to the letters they mailed years ago, the debt is already validated, and there is no way I would be able to close the account, without paying it in full. Well the FDCPA reads, within 5 days of first contact from the collections agency to the consumer, a validation of debt must be mailed out. 

It has yet to be 5 days, but when the lady from RBC said that she contacted my parents, and they did n't reply it validated the debt, it presents a major issue, as that is not in accordance with how the law is written. She also told me that since that 's the information I provided her client it is valid, but my parents provided mercy medical with that information not me, and it was given to the hospital not the doctor or the company the doctor went through to start the account. I do n't feel as if proper legal steps were made in this case, and that the account should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX my credit got pulled 5 different times without my consent. 





Credit Plus  XX/XX/XXXX XX/XX/XXXX Hard pull without consent or communication with company.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach and identity theft which resulted in unauthorized accounts being on my credit report. I have attached all necessary documentation along with my complaint.
Product: Credit card or prepaid card

I received a Mastercard gift card from my employer in the amount of {$200.00} in XX/XX/2018. I tried to use the card at a hotel to pay for part of my stay and it did not process. Upon returning home I tried to register the card online and found out someone had used the card ( nobody I know ) and this was fraudulent as the packaging was not tampered with or open when I received the card. On XX/XX/18 was the date I tried to use the card. Whomever stole the card and compromised it used it in XX/XX/2018 for a purchase of {$170.00}. I have contacted the customer service line to have them issue me a new card for {$200.00} and have submitted them the details I have, along with a copy of my drivers license and address to mail the new card. I have contacted them two times now with no resolution of when the new card will be mailed to my home. I have provided all the information I have to the Mastercard gift card company, along with to US Bank. I was informed that US Bank is who the card is issued from.
Product: Credit card or prepaid card

Our Bank of America Visa card has been on autopay for the last six months. We tried to use the card today ( XX/XX/20 ) and it was declined. We called Bank of America to find out why and they said it was non-payment of last month 's bill. We noted that the card has been on autopay for many months and customer service said it was taken off autopay last month ( we never did that ) and they said we had to pay our bill plus penalty plus interest. 

I asked customer service to tell me where on our credit card statement it says autopay is on/off. She said BANK OF AMERICA DOES NOT PRINT THAT ON THEIR STATEMENTS, YOU HAVE TO LOGIN ONLINE TO SEE THAT. 

We have three complaints : 1 ) Our account was on autopay and Bank of America took it off autopay and we incurred extra charges because of that ; 2 ) We were never notified that autopay was removed from our account ; 3 ) A financial institution such as Bank of America should be required to print on their statements whether autopay is on or off.
Product: Checking or savings account

I tried to close my account on XX/XX/XXXX and there was a maintenance fee charge of {$25.00} that was refunded however had to call back the next day to close the account. I did not get around to calling tillXX/XX/XXXX and was charged another {$25.00} Maintenance fee for an account that has not been in use for the last 2 months. The customer service representative said I had to pay the {$25.00} before closing my account. I told her that I'm not paying for something that I am not using. I used all the funds in the account to buy a house and left the account with XXXX  funds in XX/XX/XXXX.

I don't have time to keep calling and the account should have been closed the first time I called. Why did I have to call back again and did call back in the same month an now have another fee and can not close the account. I requested to speak to a supervisor and was on hold for 15 minutes. The supervisor refused to close my account unless I paid the fee. This is an UNFAIR DECEPTIVE ABUSIVE PRACTICE. I would like my account closed and fees waived. Also TD should not be reporting me to XXXX XXXX for fees that I'm not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint case to make sure that XXXX  will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the Securities Fraud Scheme of XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXX XXXX XXXX fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX
Product: Checking or savings account

I received an email from M & T Bank regarding an account opened in my name using my social security number and address. I was able to successfully close the account before any activity occurred but the individual created an online account using a separate email.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Cease and Desist To whom it my concern at Aldous & Associates at this time I would like to make it clear that I wish for you to cease and desist all communication attempts. Please refrain from contacting me by phone, any relatives, my work place, by text messages, email and by postal mail. Please do not contact me at all! Further unwanted communications will result in legal action against your business on the account of violation of section 805. Communication in connection with debt collection, 806. Harassment or abuse and 809. Validation of debts of the Fair Debt Collection Practices Act.

Please make accommodations to stop contacting me at once as I have never done business with your law firm nor have you shown proof that I have any signed contracts from the offices Aldous & Associates stating that I owe your firm any debt. 

regards XXXX XXXX