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

My name is XXXX XXXX. I know I am a victim of Identity theft and I started this process and took the correct procedure to get the fraudulent activity off my report over a year ago, XX/XX/XXXX to be exact. The account and inquiries still continue to report even after a full year. This is ridiculous! I not only filed a police report, I also faxed and sent all documents certified mail. I also have hired an attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Al XXXX. He has noticed several breaches in the FCRA committed by XXXX, XXXX and EXPERIAN. This has to stop. Here is a list of all the accounts and inquiries that are fraudulent. 

EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX resource groupXXXX  XXXX XXXX XXXX {$950.00} Bankruptcy chapter 13 -petiton filed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX factual data leasing desk XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter 13 bankruptcy filingXXXX XXXX  XX/XX/XXXX ref no. XXXX I have never filed bankruptcy.. this is under a different name XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX XXXX {$1600.00} All these accounts and inquiries don't belong to me an I have the proof to show that. I have reached out to each creditor and informed them of the fraud that took place. 

As my lawyer XXXX XXXX stated in our claim, we feel as if these individuals ' are responsible for their bureaus negligence and non compliance with the FCRA and will be named on our lawsuit XXXX  XXXX XXXX EVP Compliance and Litigation XXXX  XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX XXXX Fraud and Identity management XXXX  XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President XXXX Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX  XXXX XXXX XXXX XXXX XXXX VP/Sr Manager of Regulation and Compliance XXXX  XXXX XXXX XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX vice president chief legal officer XXXX  XXXX XXXX EXPERIAN XXXX XXXX Customer Service Manager at Experian Experian XXXX Email : XXXX XXXX XXXX Operations Manager Experian XXXX XXXX XXXX XXXX CEO CEO Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator Experian XXXX XXXX  XXXX XXXX XXXX CEO North America Experian PLC XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX XXXX card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the XXXX XXXX credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to XXXX XXXX. Not once did XXXX XXXX send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is incorrectly reporting a Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcies to be " verified '' and therefore will not remove them. I have a letter from the United States Bankruptcy Court District of Oregon 's Chief Deputy Clerk, stating, " Ms. XXXX, The Bankruptcy Court does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all 3 Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX ( XXXX ), & XXXX. Please instruct TransUnion to remove the Discharged Ch-XXXX  Bankruptcy, Docket # XXXX, Date Filed XX/XX/XXXX, Date Paid XX/XX/XXXX, Date Updated XX/XX/XXXX ; lease instruct TransUnion to remove the Dismissed/Closed Ch XXXX Bankruptcy, Docket # XXXX, Date Filed XX/XX/XXXX, Date Paid XX/XX/XXXX, Date Updated XX/XX/XXXX ; as these items/information are inaccurate, unverifiable or unfair as per FCRA Section 611 ( a ) ( 1 ) ( A ). 
Thank you.
Product: Credit reporting or other personal consumer reports

Theres a hard inquiry on my credit report that states a XXXX XXXX credit card has been opened. However I didnt open a XXXX XXXX credit card and I reported it to XXXX XXXX as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to XXXX and Experian as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks
Product: Credit reporting or other personal consumer reports

The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX
Product: Credit reporting or other personal consumer reports

After looking through my credit profile I realized that I had inquiries that do not belong to me on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score because I am looking to rent a house, and I saw this unrecognized name of a bank I haven't heard of before. I am reporting it as fraud because this wasn't me and I have never heard of this bank name before.

Inquiry from XX/XX/XXXX Bank This inquiry could stay on my credit card report until XX/XX/XXXX. 

Institution Information Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion wont change my last name back to my maiden name even though I have changed it over 13 Years ago, I have contacted them over the years and it still dont change the only thing said was it dont matter on a few occasions its still me, I also got they cant change it since it is that with some creditors change it with them so we can change it. Send in paperwork to prove which I have mutiple times.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 12 CFR 1016.1 Purpose and scope. treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices,12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

I am OPTING OUT from XXXX XXXX willfully adding nonpublic private information to the third-party agencies, such as XXXX, XXXX and Transunion consumer reporting agencies without my consent. THIS IS A NOTICE.AGAIN I AM OPTING OUT FROM XXXX XXXX REPORTING SERVICES 15 U.S. Code 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Credit card or prepaid card

We are small business owners and we shop weekly at Sam 's Club. On XX/XX/XXXX, we were approached by a Sam 's Club employee at checkout who asked if we wanted to " save {$30.00} today '' and " earn 5 % cash back on all purchases. '' We were provided a flyer to review the Sam 's Club Business Mastercard benefits by the Sam 's Club employee. We agreed that we wanted to apply for the Sam 's Club Business MasterCard. Our application was processed on the spot and we were informed that we were approved for a $ XXXX credit limit. We state that the 5 % cashback would be helpful and the employee agreed. The Sam 's Club employee then processed our purchases made on XX/XX/XXXX to the card and applied a {$30.00} credit to our bill leaving a charge to the card of {$250.00}. The bill for this new card arrived a week later. The balance was {$300.00}. Upon review, we noted the bill from Synchrony Bank indicated we had a Sam 's Club Business Credit Card, not the Sam 's Club Business MasterCard that we requested. My wife immediately called Synchrony Bank on XX/XX/XXXX and spoke to agent in Ohio named XXXX, Operator # XXXX on XX/XX/XXXX. XXXX told her that we qualified only for the " business credit card, '' and not the " business mastercard. '' We were not told this at Sam 's. Wife told XXXX that the Sam 's Club employee had misrepresented this and asked operator to close the account and provided bank information to pay the bill ( {$300.00} ). Wife then contacted Sam 's Club to complain. The employee I spoke to said they see many angry customers daily who come to customer service to complain about this same issue. The employee was uncomfortable with this apparent bait and switch tactic. My wife also spoke to a manager at Sam 's Club who apologized but tried to excuse the misrepresentation that occurred. Manager said she too applied but did not qualify for the Sam 's Club Business MasterCard at first, but that if we waited about 6 months, Synchrony might invite us to get the Business MasterCard at that time. This is a betrayal of the trust we had in Sam 's and Synchrony Bank is complicit in this predatory and fraudulent activity.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification from XXXX on XX/XX/year> that a collection was added to my credit and I logged into my account to review it. I contacted the creditor on XX/XX/year> to inquire when they attempted to contact me via email, mail or phone and the debt collector by the name of XXXX told me that a letter was sent sometime in XXXX to my current address however, I never received it. I asked if he could please send me a copy of the letter which should have the date of XX/XX/year> on it and he said well its not going to have that date but I can send you a new one. I told him you should be able to just send me a copy of the letter and he said it wouldnt have that date. I told him that I was submitting a complaint with the cfpb as they failed to provide a written notice of the debt, which did not give me the opportunity to request a validation of debt letter. I called again to gather more information about when the letter was sent and he advised that he had flagged my account as a dispute and that automatically by doing the negative reporting would be removed from my credit which I find very suspicious if they did their due diligence why would they do that? He then asked if I wanted a copy of the letter they sent to me and I said yes and I viewed the letter and it does have a date on it of XX/XX/year> which I find it very suspicious that now it does have that date as he had previously told me it didnt. I think that this letter has been altered to reflect this date.
Product: Credit reporting or other personal consumer reports

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Product: Credit reporting or other personal consumer reports

I am unable to access my credit file and score through TransUnion. I have tried every week and have been denied access. Representatives have provided a variety of excuses or explanations, ranging from codes and escalations to system being or my computer being faulty. I have attempted to access from two different laptops with two different operating systems, and four cell phones. Recently, a representative informed me that he delete my and that could recreate it in 7 to 10 days. creating a user ID and password using the correct information, I am still unable access the credit file. I have made phone calls and escalation calls, yet after months, I am still denied access to my TransUnion credit and score even today.
Product: Mortgage

I applied for a mortgage and they denied me. They said I needed a debt to income ratio of more than 43 % and they denied me. I have two tenants whose combined rent is more than enough to cover the entire mortgage. He did not look at my current income which includes their rent receipts. 

He did not know how to read a income tax return.
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 XXXXXXXX, has violated my rights. 


15 U.S.C 16581 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.
Product: Credit reporting or other personal consumer reports

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning Exeter finance. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.
Product: Debt collection

I don't know who owns my debt. It is either XXXX XXXX or Carmel Financial Corp. 

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX Carmel Financial Corp : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.
Product: Credit reporting

I have been unable to pull my Equifax file either from commercial sites or XXXX 
I have also been denied credit due to the inability to pull my Equifax file to my detriment. 
I can not dispute my file online with Equifax because they have incorrect information on me and I can not begin until they correct it which they have not. 
I have spent many hours on the phone with Equifax , and have mailed the requested identity verification documents to Equifax without success. 
Please check carefully there is NO SPLIT FILE, and my date of birth and address is correct.
Product: Credit reporting or other personal consumer reports

1- A representative at XXXX XXXX informed me that I have a gold XXXX XXXX XXXX since XXXX but under a different name and in another state ( i have only ever applied for any/all credit/ debit cards in only one state ( residence ) 2- I received great communication with the fraud department of XXXX XXXX and was informed that i will receive more information via regular mail only. 

3- I have been dealing with several issues with the mail and failed to receive replacement cards for two other banks since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 4- I created an account with XXXX and discovered through the website that the XXXX XXXX letter had been sent but my mailbox was completely empty so i filed a claim for the missing piece.

5- There are several inaccuracies regarding both my personal information and credit card history on my credit report and I have spent endless hours trying to have the information corrected only to find the issue growing larger.

6- On my credit report 2 completely separate bank accounts were combined as one. XXXX and XXXX  XXXX ( XXXX XXXX ). I could not make any sense of these XXXX credit cards were opened years apart and XXXX had been closed several years ago. I also couldnt find any statements related to capital XXXX so i called capital XXXX and XXXX and XXXX with no luck.

7- On this day, i found that both XXXX and XXXX XXXX were entirely removed from my credit report as if they never existed. 

8- The initial reason i made all these calls before deciding to report is that i had assumed there to be some form of misunderstandings as both XXXX XXXX and XXXX  XXXX had been closed as a result of my recent divorce. 

9- XXXX  tricked me into believing my account had been closed during a few times i went to shop there without my card but with the provided drivers license and SSN. I was told my account was closed but i knew i had paid it off so I figured it was just their decision as I had similar experience with my Rooms to go account. I later discovered that the macys account had been opened for months with recurring charges and then closed! 

10- I had been instructed that i can freeze my XXXX through a local social security office And i did exactly that and even received a confirmational email of the freeze. This happened on XX/XX/XXXX at XXXX ( I scanned the ticket number XXXX ) however the email associated with this visit was hacked and i no longer have access to it. 

Note : XXXX  XXXX XXXX XXXX  was closed late XXXX or early XXXX no actual information specific to this account shows on my credit report. 

XXXX claim number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting erroneous information to XXXX  regarding a former car loan I had with them. They report a late payment/negative item for XX/XX/XXXX. 

On XX/XX/XXXX, I traded the car ( XXXX ) to a dealership when I purchased a XXXX XXXX XXXX. 

How could I have a late payment when I traded the car? 

This is the only negative payment on my record. I do have a bankruptcy that occurred in XXXX and the vehicle was covered in that bankruptcy ; however, I continued to make payments even though I didn't have to up until I traded the car on XX/XX/XXXX.