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

I, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent. 
According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely Equifax, XXXX, and XXXX, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your immediate attention and resolution of these matters. 

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

I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for these accounts. 
I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. 
I spoke with someone at XXXX XXXX 's security dept. in XX/XX/2023 whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet. 

These accounts are fraudulent and reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. 

I sent via priority mail the minute order by the courts disposition along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which XXXX XXXX has failed to properly investigate. 

This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. 
Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled account with Conns Appliances in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX XXXX XXXXXXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the Conns Appliance is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted Conns Appliances ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that Conns is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I opened an Amazon Store card, operated by Synchrony Bank on XX/XX/XXXX as the result of an email offer that i received. The offer was for an {$80.00} statement credit, upon approval, and a {$120.00} statement credit upon making {$500.00} in purchases within the first 90 days of the account being opened. At the time i was planning on making a purchase of solar panels and batteries, so i decided to apply and was approved shortly thereafter. The statement credit of {$80.00} showed up and was credited to a purchase. After my initial purchase of {$890.00} ( for batteries ) the {$120.00} credit showed up in my Amazon account, as well as pdf statements viewable on line. This credit is still currently visible on Synchrony 's website, amazon.syf.com when i search for prior statement of XX/XX/XXXX. I had not used the card, and statements were not issued. 
On XX/XX/XXXX, i was shopping on Amazon, knew that i had a prior points balance that i had not used, and tried making a purchase using points. When i was trying to check-out, the Amazon Store card did not reflect any rewards points of {$120.00}. I completed the transaction using a different payment method. After that transaction, i contacted Amazon customer support, who recommended that i call Synchrony. I called twice on XX/XX/XXXX, the first representative told me to try again. The second, ( XXXX XXXX told me that my points had expired. I asked for a copy of the card holders agreement where that was referenced, she asked me to hold, and came back and told me that my rewards points were still available, but i would not be able to see them because my account did not have a balance. I have the original card holders agreement as well as the current terms which can be printed off of Amazon 's site. I asked why i could not see the rewards on Amazon 's website, and was not given an answer. 
I made a purchase on Amazon with the ( Synchrony ) Amazon Store card, so the card would now have a balance. Today XX/XX/XXXX, the purchase has posted, and i called Synchrony in order to pay with the points. I am told the only way to do that is to pay through their website, amazon.syf.com. Their website HAS NO OPTION to pay with points. I have been told by their customer representatives that i need to download the APP for a smart phone and that will work, IT DOES NOT. I was told that i need to access their website using XXXX XXXX as a browser and then i can pay with the rewards points, that didn't work, now ( XXXX ) another representative is telling me that there is an issue with my three devises and i need to contact Synchrony tech support ( XXXX ). The bottom line is i signed up for a credit card with certain features and benefits and Synchrony is refusing to deliver on their credit cards terms and condiions. I can not be the only consumer that they have done this to!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a credit card offer from Wells Fargo directly in my email inbox stating I had been invited to apply for their Platinum credit card. I responded to the offer and applied for said credit card. A week later, I received a letter denying my application stating as the reason : " Not a XXXX XXXX XXXX XXXX  ''. 

I am a working, highly educated lawful XXXX, on a XXXX XXXX  and I have been a client of Wells Fargo since XXXX. The fact that my application was denied due to me not being a US XXXX XXXX  holder demonstrates that I was clearly discriminated against due to my XXXX XXXX  and lawful XXXX  status. They pre-approved me for a credit card but once I responded to the offer, I was unfairly treated, discriminated against on the basis of my XXXX XXXX. 
As a woman of color, XXXX  and belonging to an XXXX minority, I could not, in good conscience, stay silent as many now in America face discrimination and unfair treatment due to being a minority. 
I have reached out to Wells Fargo via email on XX/XX/XXXX, in regards to this matter but they have not responded to my claim. 

According to the Equal Credit Opportunity Act : " The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, NATIONAL ORIGIN, sex, marital status, age, or because you get public assistance. '' In XXXX, Federal Judge XXXX XXXX from XXXX XXXX ruled " the right of noncitizens, including those with XXXX status, to be offered credit on the same terms as U.S. citizens in a lawsuit against Wells Fargo in a case identical to mine. 

In that sense, I do have grounds for legal action, however, I would rather settle this matter amicably, that is why I am reaching out to CFPB for assistance.
Product: Money transfer, virtual currency, or money service

I purchased 500 rounds of XXXX brand XXXX XXXX ammo from XXXX  on XX/XX/22. The website didn't redirect me to paypal.com like it should have, I emailed XXXX and they responded and told me to send the total of {$190.00} to XXXX through paypal using the personal/friends and family option and to email them once it was done. I did and they said the received the payment. I never got a tracking number or another email from them since. I have sent them many emails with no response as well as messaged them on their websites messenger. They do not respond to those messages either. I tried to call the phone number listed on their website and it goes to a XXXX voice mailbox that they also did not respond to. I have tried to report them to paypal but their only option to report the transaction is Issue with remittance. They closed my case and told me that the money was successfully sent to the seller and that that was the extent of their investigation. I have tried to escalate the case but they have not responded. I can give screenshots of all the messages on their websites messenger as well as copies of the emails with XXXX and paypal. I can also send a copy of the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife refinanced what was our joint mortgage in XX/XX/XXXX. That should have happened in XX/XX/XXXX but that is a different story. I contacted Wells Fargo and they claim I am responsible for a loan that was modified by a single borrower that changed the terms of the loan. I would have never consented to the changing of the terms and would have pushed for a sale of the property instead.
Product: Credit card or prepaid card

Today, XX/XX/2020, I spoke with an associate who could not explain why the decision to close my account was made. This account has a {$0.00} balance which was paid in full in XXXX of this year. Bank of America decided to close the account 4 months later for inactivity. This is absurd! The other reasons, for closure are inaccurate as well.
Product: Money transfer, virtual currency, or money service

My mother has an account with Robinhood financial ; she passed away XX/XX/XXXX. I reached out to Robinhood and sent all required documents following their estate instructions and until this day ( XX/XX/XXXX ) noone has reached out to me to dissolve her assets. Robinhood closed and deactivated her account without any notifications and will not respond to any of my emails. Below is the timeline of my communication via email as that is the only way to reach them. 

XX/XX/XXXX : Sent initial email with all documents and information to Robinhood estate department. 
XX/XX/XXXX : An email was received from XXXXRobinhood acknowledging the required documentation has been received, including a case number. 
XX/XX/XXXX : I emailed estate dept asking for a status update. 
XX/XX/XXXX : Received email from XXXXRobinhood apologizing for delay and asked to be patient and give them another 2-4 weeks. 
XX/XX/XXXX : I responded and asked for more information if anyone is reviewing my case XX/XX/XXXX : Received a response from XXXXRobinhood saying my case is currently under review. 
XX/XX/XXXX : I reached out to Robinhood asking for an update. 
XX/XX/XXXX : XXXXRobinhood responded apologizing for delay and asking for another 1-2 weeks. 
XXXX XXXX : I reached out to Robinhood asking for an update. 
XX/XX/XXXX : Robinhood apologizing for delay. They asked me to send convenient days and time for them to reach out via phone call. 
XX/XX/XXXX : I responded with my availability, which was any day and time XX/XX/XXXX : XXXXRobinhood thanked me for the info and said someone will reach out to discuss the account XX/XX/XXXX : I emailed asking when I should expect the call XX/XX/XXXX : XXXX responded with someone will reach out via email before they call and case has been escalated XX/XX/XXXX : I emailed and said I have not received an email or phone call XXXX XXXX : XXXX apologized for delay and repeated someone will reach out via email before phone call XX/XX/XXXX : I emailed expressing my frustration XX/XX/XXXX : XXXX apologized for delay, asking for patience XX/XX/XXXX : I emailed saying I'm still waiting for a phone call XX/XX/XXXX : I emailed again telling them I haven't heard from anyone XX/XX/XXXX : I emailed asking for a status update Today, XX/XX/XXXX I haven't heard from Robinhood.
Product: Mortgage

This is the XXXX time I am filing the same complaint in the hope that NDSC will be truthful for a change and provide a proper response to my complaint under penalty of perjury as requested so we can close this complaint out.

NDSC claims to be foreclosing on behalf of XXXX XXXX However, based on the evidence presented by XXXX XXXX, and information available from SEC, the note was securitized. XXXX sold the note and it was securitized within days after the closing occurred on XX/XX/2005. Once XXXX sold the note, XXXX can no longer be the holder in due course and therefore, have no right to foreclose. Furthermore, there is no assignment of deed of trust to the new buyer recorded after the sale occurred. According to the law, this has to be done within 120 days after which it becomes an unsecured debt and it can not be re-attached to the Deed of Trust on record. Therefore, NO BODY can any longer foreclose on that Deed of Trust. Period! Hence, the claim by NDSC that they are foreclosing on behalf of XXXX is an impossibility and false and they have no standing whatsoever. A rebuttal is demanded from NDSC in order to continue with the foreclosure action. Here are the details of the Security. [ XXXX XXXX Mortgage Pass Through Certificates Series XXXX Portal - XXXX  Investor Online Portal Closing Date XX/XX/200XXXX XXXX - XXXX XXXX - XXXX Seller XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX Delaware corporation XXXX XXXX XXXX XXXX XXXX ] . Numerous requests have been made to NDSC ( Trustee ), XXXX ( Seller of the note ) and XXXX  XXXX ( Servicer ) to produce evidence under penalty of perjury that proves XXXX XXXX. is in fact the current holder in due course of the note and therefore, XXXX has the right to foreclose under the Deed of Trust securing the note. If this is the truth, then NDSC should not have problem providing a response under penalty of perjury. Failure do to so confirms my statement is true and NDSC they have no standing to conduct any foreclosure and by doing so they are acting illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; 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 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 XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 As follow-up to identity theft, I began checking credit reports per FTC instructions. XXXX provided the credit report plus a free credit score which I understand is available free yearly. 

XX/XX/21 Continued with XXXX and had the same positive experience. 

Later, went to TransUnion site. Got free credit report then clicked on the large button for getting credit score. This then required giving bank card info which seemed suspect to me, but since there was no listing of a price, I figured I would be offered some sort of upgrade after I got the score. 

I was appalled to learn that I had just signed up for a subscription product and had already been charged {$24.00}. I cancelled the subscription and called customer service to request a refund. A very polite customer service rep verified that I had indeed cancelled my subscription for the future but it was not possible to refund the {$24.00}. She reassured me that I could continue to access my information for the next 30 days. 

Its appalling that a company with access to so much of my personal information and to which I am referred for help with identity theft would engage in such a deceiving practice. They are preying on the vulnerable. 

I see there have been complaints in the past, and thank you for all you at CFPB do to help monitor the industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about a company called credit acceptance I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the credit acceptance people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me XXXX and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. Credit acceptance just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me XXXX XXXX interest as a resident of XXXX  when you can only charge someone XXXX XXXX   above prime for used car loans in XXXX. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.