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

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; CONNS XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$120.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

In XXXX, I was scammed by the merchant, XXXX XXXX XXXX in New Jersey, and reported it to Bank of America which they conducted their investigation and found it in my favor. I also informed the merchant of the request of the funds in XX/XX/XXXX. I need all copies of the documents from the Fraud Dispute Department regarding the 2 Fraud Claims because the Merchant, XXXX XXXX XXXX, is saying Bank of America never contacted him, and now in XXXX the Merchant is trying to come after me for the return of the money Bank of America Fraud Department conducted their investigation and returned the credit back to my credit card properly to me in XX/XX/XXXX. 

Transaction Date : XX/XX/XXXX Claim Number : XXXX Return Credit : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - {$1100.00} Transaction Date : XX/XX/XXXX Claim Number : XXXX Return Credit : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} The above fraud charges are on the credit card number XXXX XXXX XXXX XXXX. 
Thereafter, a new credit card was issued to me from Bank of America from the same account XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  / XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  / XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$900.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX -- -> XXXX XXXX XXXX  XXXX XX/XX/2015 {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent TransUnion, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

My account is in good standing for 14 years! 
Ally bank has blocked all access to my checking account. 
Ally bank has changed the customer service phone format to asking for games to be played e.g.questions.etc.before connecting to customer service people. 
Also, the same problem when trying to chat or e-mail. 
I did connect to a person by the nane of '' XXXX '' on XXXX. This person was extremely rude and said I had the wrong department. 
Ally bank has made it impossible to get any information regarding my account!
Product: Credit card

XX/XX/XXXX Subject : Complaint against Synchrony Bank and demand for Investigation File for Account : XXXX  ( {$3400.00} ) Substantiated Identity theft against XXXX XXXX XXXX XXXX. In accordance with the Credit Card Accountability, Responsibly, and Disclosure Act, the Consumer Credit Card Protection Act, the Truth in Lending Act, and all other applicable federal and state laws, I demand all documentation relating to Synchrony Bank account XXXX and all other accounts with your bank has collected, stored, or transmitted, associated with me. For your reference, I am an active-duty XXXX XXXX XXXX protected by the Servicemembers Civil Relief Act and other federal law and regulations. I demand a written copy of the documents used to open any accounts with your company under my name or personal information, all charges substantiating the full amount of any debt against me, the full investigation regarding accounts associated with me and your company, and all communications I, or anyone else, has had with your company about this debt. Close this account and any debts your company alleges against me. 

Notice. I am sending a copy of this letter to your board of Directors in XXXX Connecticut and the Consumer Financial Protection Bureau. 

Facts. I have spent over a year dealing with Synchrony Bank on this issue. My last contact was on XX/XX/XXXX, when I called your Fraud Investigation Unit and talked to a person who identified himself as XXXX with a company identification number of XXXX. He told me that that in XX/XX/XXXX, your company determined that my estranged wife opened an account with your company under my name without my knowledge or authorization. XXXX told me that even though Ive filed a police report for identify theft for this fraud and previously notified your company in writing about the fraud, that I was, regardless, responsible for the charges because my estranged wife and I are still married ( pending a final divorce degree ). Over the last year, I have repeatedly asked, in writing and by telephone, for the above documentation substantiating how your company allowed someone to open an account under my name and information ; but your company has refused to provide this information which is required to be provided to me under U.S. federal law.

Conclusion. As you are aware, there is no provision under U.S. law that allows someone to open a credit card under someone else name or personal identification without that persons knowledge and authorization ; not even a spouse- its a crime. I am the victim of identity theft, and I have notified your company as such. The perpetrator has other accounts with your bank ; seek redress through her. Provide me with all the above documentation and close this account and any debts your company alleges against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( 15 USC XXXX XXXX ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : XXXX XXXX Bank : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

You sold me a loan that cost over {$30000.00} That is a high cost mortgage. 

Where are my disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX I reviewed my credit report and I noticed a collection item from Fox Collection Center ( XXXX XXXX XXXX, XXXX, TN ( XXXX ) XXXXon my credit reports, XXXX, XXXX and XXXX, a collection for XXXX XXXX XXXX   XXXX for {$490.00}. It also states on my report that it is old, but it has a new date for collection on XX/XX/XXXX and it was placed on my report again on XX/XX/XXXX, when the agency said thetreceived it XXXX XXXX XXXX XXXX. I did not receive any information from Fox Collection agency before this was put on my reports. I call the collection agency and the representative stated that it was an old account maybe from XXXX or earlier and I told her that this was on my files years ago and it removed, also the amount is different, increased. She stated that they did not have it back then so it is a new account to them and they could put it back on my file. Own my credit file it does not show the old date, just as though it is recent. I call XXXX and they would not give me the date of the actual bill. I call XXXX and they stated that it was old and I stated that this was an account that came off years ago and I asked don't you have records that this is old and he said they can not see what was on my credit file years ago. So I am told that this is a new account and the 7 years starts again. I asked all of them to removed this information from my file and all have refused. I have also disputed this information.
Product: Mortgage

I refinanced my existing mortgage from XXXX XXXX XXXX, serviced by LoanCare, to another company, XXXX. In this process, I have a remaining balance in my escrow account of {$800.00} that has not yet been returned. The loan funded on XX/XX/19. I obtained the loan payoff agreement from LoanCare which explicitly states " A refund of any remaining money will be sent to your address of record within 10 business days '' ; however, this time has since passed. Upon calling LoanCare, the representative advised the policy is 20 business days and that this is according to their policy despite what was sent to me as the loan payoff agreement. She then placed me on hold and returned to the line before advising the policy is actually 15 calendar days. I explained once more that a written agreement can not be verbally modified after the fact and also noted that even 15 days have passed since this period. She then transferred me to XXXXXXXX   ' in the escalation team who then reverted back to the 20 business days and when asked why it takes so long to return my money considering they received a wire from the title, he could not answer. Further, when advised of the written agreement from the loan payoff, he could not answer their either. When asked when they intend to send the money, they stated it would be the XX/XX/19 at the earliest. This is contrary to their documented time frame and unjustly holds onto money they are not entitled to and unjustly enriches them with them opportunity to earn interest on funds they are delaying in returning to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, THURSDAY, XX/XX/2019 I tried to order my first credit report online today. 

I went through XXXX XXXX first. When I was trying to set up an account with them, I received a notification that impeded me from moving forward. It read : " Your personal information doesn't match with credit bureau records. '' To my knowledge, the information I was providing to them was and should be correct. 

I filed a complaint email to XXXX XXXX to seek a solution. Their response was that my information did not match up with the file TransUnion had on me. 

So I contacted TransUnion, spoke to one of their representatives ( XXXX ), provided them with the same information and they found no file on me. The representative offered that I send documents to start a credit report, I declined and did not take any further action. 

I let XXXX XXXX know that TransUnion did not have a file for me, and as of this moment, I have not heard back from them. 

I tried to access my free credit report via the Annual Credit Report website and chose to receive it from TransUnion to keep consistent, and I could not access it either as a notification that said " We do not have a record that matches the information you entered '' appeared. 

I am filing this complaint because : 1 ) I want to check if I have a credit report. If I do have one, why can't I access it?

If I do not have one, should I be concerned of fraud or of another problem since XXXX XXXX   mentioned TransUnion DID have a file on me? 
( I do not know if I have a credit history, something I was trying to find out through XXXX XXXX, but as you have read, it was not possible to set up an account because my " information did not match with credit bureau records. '' ) 2 ) I want to check what information is available on me to confirm that it is correct. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.
Product: Vehicle loan or lease

On XX/XX/XXXX I began a credit consumer transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon my consumer Credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission period on XX/XX/XXXX when I initially made a cash down payment of {$1000.00} the sales rep that I work with Advertised to me that I had to make a down payment in order to obtain the XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of a down payment in installments says, no advertisement to aid, promote or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my consumer rights were clearly violated therefore being defrauded in regards to subsection 15 US C 60 802A. A notice of requirement obligation with respect to disclosures of personal information. I was not made aware that hi could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction to be furnished on my report yet it has been furnished without my consent which is technically identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Bank Of America has stipulated to a settlement in a class action settlement to which I am a plaintiff. They admitted to error that has continuously damaged the principals credit score. I respectfully demand as stipulated in the settlement for XXXX  Vs Bank of America that the bogus debt reporting be removed immediately
Product: Vehicle loan or lease

On XX/XX/XXXX, we traded in our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX, PA with a balance remaining on our Chase Auto Loan. On XX/XX/XXXX, XXXX XXXX paid off the auto loan according to the payoff terms provided by Chase Auto. On XX/XX/XXXX, XXXX XXXX received a letter from Chase saying " Your account is now paid in full '' as well as the vehicle title. 

On XX/XX/XXXX ( 15 months later ), we received a letter from Chase Auto requesting that we pay a remaining balance. After calling to dispute and provide documentation, a representative assured us that he would take care of it. Follow up calls were not returned. On XX/XX/XXXX, we received a letter from a debt collector that gives us 30 days to pay or dispute before our credit is affected.
Product: Credit reporting or other personal consumer reports

BMO Harris NA reported to XXXX on XX/XX/2023, a hard inquiry on my credit report that I did not give written authorization. I have no active account with BMO Harris NA on XX/XX/2023 therefore inquiry should be removed.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX and XX/XX/XXXX my credit report was wrongly refreshed and amounts would change every couple months not all reports matched had wrong account numbers amount owed and the company XXXX XXXX and XXXX XXXX which I never had a loan this is not right I have disputed and asked numerous times to fix until I got bullied with a judgement in XXXX of another amount that doesnt match reports of XXXXmy credit score was XXXX and now barely XXXX because of this I have been back and forth for months with all of you to remove inaccurate information All credit reports Dont have accurate information this isnt right please fix this before i seek other measures
Product: Credit reporting or other personal consumer reports

Received information from XXXXXXXX XXXXs and XXXX  stating that I allegedly owed them {$9200.00}. I sent a dispute letter on XX/XX/XXXX certified mail ( XXXX ) with a return receipt ( XXXX ). They sent back half of the information that I requested on XX/XX/XXXX most of which I already had from the original creditor themselves. Afterwards, I sent another letter on XX/XX/XXXX ( XXXX ) requesting the information that they failed to send when they sent back information that I already had. They failed to send me proof of chain of ownership of the alleged debt and proof of assignment from the original creditor. This company violated my rights willfully and knowingly dishonored my presentment/dispute. They neglected me. They furnished an alleged debt on my credit report without my permission which is a violation of 15 usc 1681e ( b ). They have also violated my rights in pursuant to 15 usc 1692g ( 2 ) by not providing proof that have a legal right to collect the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XXXX I traded my car in, XX/XX/XXXX payment in full ( check # XXXX ) was sitting in TD Auto Finance 's XXXX XXXX ( got from their website ) sent from dealership certified mail. Middle XXXX TD had not cashed check and reported on credit report as late. Called TD gave them dealer info. Dealer had to cancel first check, send new check ( certified ) to an address in South Carolina. TD signed for check on XX/XX/XXXX ( check # XXXX for {$18000.00} ) TD held check until XX/XX/XXXX then charged off loan on XX/XX/XXXX. XX/XX/XXXX TD reported a charge-off in the amount of {$17.00} claiming is was interest on the loan that was charged during the time they refused to go to the Post Office and get the original check ( check # XXXX ). XX/XX/XXXX TD reports " Paid, was a charge-off ''. which is incorrect and fraudulent.
Product: Mortgage

I am with the title company and Prime lending does this on several deals I have had them on the other side more than a handful. As for them working with Title to get CD worked up and making sure that we are balanced they do not we get figures and when we do get figures its a couple of hours before we are to close then we are pending the wire and loan docs to come over. ( buyers and sellers are sitting at the table for hours vs. an hour and half that it normally does. They send out only their lender cd with their fees there are no other fees being disclosed like transfer fees HOA dues etc. This is very frustrating and I have had buyers at the table very frustrated and annoyed at their process. 

I have attached initial request to prime lending on XXXX/XXXX/2015 requesting CD so we can balance with their net funding and cash to close for buyer. still at this time we still do not have anything from them this closing has been delayed from XXXX/XXXX/2015 to XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach.

Im noticing unfamiliar accounts on my report.