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

Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent landmark financial XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX   XXXX XXXX. XX/XX/XXXX. XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX 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 XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX   XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX   XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine I have no accounts like these credit cards or anything else like this I have been going back and forth with the bureaus since XX/XX/2020 and I need this taken care of asap!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$340.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of multiple late payments by these creditors to Experian. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Checking or savings account

On XX/XX/XXXX. Chime closed my account with no warning. All the email said is that they decided to end our relationship. No reason as to why or next steps. I immediately called and of course, can reach No one by phone so I emailed them same day. All the rep said was that they escalated the issue and someone would reach out to me shortly. I havent heard nothing sense, no one reached out to me and no one is responding to my follow up messages. I have no idea where my money is that was in my account.
Product: Debt collection

I sent a validation of debt letter to XXXX XXXX XXXX XXXX, KS XXXX on XX/XX/2023, I have still not received a letter back with anything that asked on the debt validation letter. 
The following was asked : state what the money you say I owe is for, how did you determine that amount, and provide copies of the agreement bearing my signature stating that I agreed to pay that amount. SHOW PROOF YOU ARE LICENSE TO COLLECT IN MY STATE ( PROVIDE LICENSE NUMBER ), provide me with a statute of limitations have not expired. Licenses In accordance with my rights under the Fair Debt Collections Practice Act, I disputed this account and requested validation of the debt. 15 USC 1692g sec. 809 ( b ) I have not received any of this information in a 30-day period. 

I ask you to do what is right by the law to have this debt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in many disputes and not getting a response it been more than 30 day since last compliant filled. EQUIFAX BROKE THE LAW an I am stressed out emotionally and it causing me financial damages This is the fourth time I put is a dispute to resolve this issue. I even done it through CFPB a COUPLE TIMES THIS IS MY FINAL NOTICE. IF YOU failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please be advise verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove late payments ANY LATE PAYMENTS OPEN CFPB COMPLAINT XXXX, XXXX
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 names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I would like to report XXXX XXXX and XXXX also the collectors and creditors as I told all three credit bureaus back in 2020 that I was a victim of identity theft and fraud also that I'm also a hurricane Harvey victim and that a lot of my personal information had been stolen when some homeless people broke in my home and I was transfer to XXXX XXXX Texas by bus. I have disputed these several times and nothing is being done there's only three accounts that have been paid in full with certified letters I turned in all information I even received a letter from XXXX XXXX saying thank you for the payment and yet a month later they still sold my information to a collector 's agency called NCA they want me to pay {$110.00} so they can close it and it says closed already but it's not removed the initial payment it says {$220.00} which is not right! I want this resolved immediately it's hurting my credit and so is another one for {$920.00} it says account status charge off and paid in full yeah it's still on my account sold to XXXX XX/XX/2020 this has been also taken care of with the certified letter and needs to be removed from my credit report. I worked hard for my country and I'm a XXXX XXXX of 22 years with heavy metals in my blood not by choice I don't deserve this my credit needs to be where it needs to be good I pay all my bills and I've been working really hard to get my credit fixed and these people are not helping me one bit they just keep asking me for money to boost my credit this is an outrage and very disappointing they also have not removed all the different addresses during my lifetime I'm XXXX years old I need this fixed I live in XXXX XXXX Texas and plan on staying here and buying a home as soon as my credit is where I need it to be! They also have a dispute from XXXX  my bank which I never asked for dispute because I use them and they're the ones helping me with my credit right now and keeping track of all my payments of my bills insurance and rent so they have everything mixed up! I have a couple of hard inquiries that I don't even know of and that is probably due to the fact that I was a victim of identity theft and that also needs to be removed immediately and they have not done so when they promised me that they would. There is specifically five hard inquiries that is hurting and harming my credit with all three credit bureaus and this is unacceptable because four of them I don't even recognize like I said I'm the victim. The only dispute that complied was Universal payment core they did say I paid in full and they closed my account as promised on XX/XX/XXXX other than that nothing else has been done and that's sad because I don't deserve this how would you like it if this was happening to you and what would you do? I'm being harassed from XXXXXXXX XXXX  and I needed to stop! Please help me.
Product: Checking or savings account

I deposited XXXX dollars into atm in XXXX XXXX at bank of america on XXXX. I inserted cash into atm and it started counting money and then computer screen froze and shot out my card and didn't get a receipt or anything .so I went into bank and told the manager and they said you aren't going to like my answer but I have to call claims .so I did and they said it can take up to 45 days to receive my money .it was cash it should be available right away .my bills are going to cause my account to be overdrawn and they don't seem to be caring
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX  XXXX ( Equifax ) Unauthorized Inquiries : XXXX ( 2 TIMES ) EQUIFAX MTG ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Best Buy credit card through CBNA that was closed with a {$0.00} balance in XXXX. Citibank confirmed this with me on the phone on XX/XX/18. However, XXXX is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, Citibank is telling XXXX there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!
Product: Checking or savings account

I am filing a claim against Capital One for financial harm caused by their deceptive practices regarding the XXXX XXXX account. I was misled to believe this account provided one of the nations best interest rates, as advertised. However, Capital One failed to notify me about the higher-yielding XXXX XXXX XXXX account, which offered substantially better rates. As a result, I lost out on significant interest earnings, and I seek appropriate compensation for these losses as outlined in the CFPB 's lawsuit
Product: Credit reporting or other personal consumer reports

Experian is displaying a collection account I never owned.Contacted the original account holder as well as experian and the account is still reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX
Product: Student loan

In XX/XX/2018 I completed the application for Public Service Loan Forgiveness ( PSFL ). I completed more than 10 years of employment with a qualifying nonprofit and made the required 120 payments. During the 10 years I reached out to my loan servicer ( Navient - Sallie Mae ) to make sure my loans were the right kind of loans and were eligible for PSLF. Each time I was told yes and given assurances that as soon as I completed 10 years, the loans would be forgiven because they were Federal Loans.

My application for PSLF was declined because my loans are in the wrong classification. Navient apologized for giving me incorrect information 4 different times and said I could consolidate my loans again and restart the process of 10 years of employment with a nonprofit and 120 more qualifying payments. 

Navient knowingly committed fraud, and said they are unwilling to correctly classify the loans because that would be considered admitting fault which could make them liable for the loan balance. The have decided instead to call me every day with excuses. This is unacceptable. I understand why the Attorneys General for so many  States are suing Navient for fraud.
Product: Vehicle loan or lease

I co signed for a car with credit acceptance corp and the vehicle by the insurance company has paid out for the car deemed to be a total loss by the insurance company XXXX XXXX XXXX XXXX XXXX my policy number is XXXX XXXX XXXX and XXXX XXXX effective XX/XX/XXXX XXXX XXXX XXXX and then it's still on my credit report showing 120 days late the car got paid off in XXXX due to the insurance claim in XXXX and all they did on my credit report is switch it from XXXX XXXX which the car and contract is under and they switched it to XXXX XXXX III to still receive payments from me it should not be on my credit report at all that would make it identity theft and they sent me a check book for XXXX I believe XXXX to make payments for a car that's been deemed a total loss by insurance through credit acceptance corp and I have all evidence as facts and it's been on my credit report holding me back from other things
Product: Mortgage

Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. 
Now Iam facing foreclosure.
Product: Debt collection

This company is fraudulently reporting information on my report without my consent. I am not aware of this account who opened it and the account is being reported as charged-off. That means someone was paid off the account and my name. Who gave them consent to report this account? They have not provided my wet hand original signature that gave them consent. This is damaging my reputation and causing injuries as I am not able to obtain credit. The account has been charged off so why is it on my private report. 

Regulation P stated they are required to provide an opt out notice which means they are moving in dishonor by not respecting my privacy disclosing information to a third party without my consent. 

15 USC 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 

15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They have not provided any documentation of that was obtained through personal interviews with neighbors, friends, or associates. 

Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) An act or practice is unfair if ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or competition. 12 U.S.C. 5531 ( c ) ( 1 ). 

I KEEP GETTING DENIED CREDIT BECAUSE XXXX XXXX IS FRAUD WITH THE REPORTING ON MY PRIVATE CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX