23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of birth : XX/XX/XXXX. Contains of complaint : This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.B. Section 1681c-2 ) that you, the TransUnion credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Buisness days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of hard inquires at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I Do Not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquirys appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirys are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint XXXX XXXX XXXX XXXX XXXX XXXX as Proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, or hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

This letter is in regard to the XXXX XXXX XXXX. 
This vehicle was purchased on XX/XX/XXXX of XXXX. The finance company GM Financial violated the Service members relief act ( SCRA ) by repossessing our vehicle on XX/XX/XXXX of XXXX without a court order. Which is illegal under the SCRA. The SCRA prohibits creditors from repossessing personal property, including your vehicle, without a court order, based on breach of a contract you entered into prior to XXXX XXXX military service. That means that even if you violate your contract by, for example, failing to make your monthly payments, the creditor must first file a lawsuit and get an order from a judge before your vehicle can be repossessed. We never received any court orders, nor did the lender ( GM Financial ) send any notification of the repossession. Neither did the repossession company identify themselves. 
the protection applies only if you : * purchased or leased the vehicle, or other personal property, before entering military service ; and * made a deposit or installment payment on the vehicle, or other personal property, before entering military service.Which BOTH applies to this situation. The SCRA rights are being exercised. 
SCRA rights may be exercised by anyone holding a valid power of attorney for the servicemember. Some SCRA protections also apply to dependents. 
To resolve this violation rather than taking legal action we would like the property ( vehicle ) along with the illegal down payment ( XXXX ) returned and restitution for pain and suffering this has caused. If the down payment, payment of restitution, and property is not returned legal action will be rightfully taken! 
* A person who knowingly resumes possession of property in violation of subsection ( a ), or in violation of section 3918 of this title, or who knowingly attempts to do so, shall be fined as provided in title 18, or imprisoned for not more than one year, or both. 
* ( 1 ) may order repayment to the servicemember of all or part of the prior installments or deposits as a condition of terminating the contract and resuming possession of the property ;
Product: Checking or savings account

My mother has an account with Regions Bank in XXXX, XXXX  XXXX I was added to her account a couple of years ago to help her as she has failing health. I was called by the Regions Bank branch on XX/XX/2022, I was asked if I had made an electronic withdrawal for almost {$4000.00} on XX/XX/2022. I said that I hadn't and went to the branch to find out what happened. They showed me a copy of a check with my mother 's account number on it, but a fake name, address, and email address on it. I was speaking with XXXX XXXX and as she pulled up the account, she realized that there were other checks starting back around the middle of XXXX. My mother 's account was completely drained of {$56000.00}. She doesn't receive statements in the mail or email statements. She doesn't even have a computer. So, we didn't know the fraud was going on. The bank never caught these transactions, so they continued to happen until all of her money was gone. 
I filed a fraud report with XXXX XXXX and a police report with the XXXX Police Department. I also filed a complaint with Regions Customer Protection Center in XXXX, AL. 
I waited the 10 business days to hear back from the bank, then I received two letters from the bank. One listed all but four of the checks saying that I didn't dispute the checks within the time provided in the Deposit Agreement. They have yet to tell me what the time limit is. The second letter said that four of the checks the paper needed a signature to continue the investigation. I have no idea what the " Deposit Agreement '' is, as this is my mother 's account, and I was just added on. 
Bottom line, the bank is claiming no responsibility. That money is for my mother to live on for the rest of her life. Without it, she will be desolate.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-Investigated
Product: Credit reporting

Previously the XXXX account was stale reporting XXXX XXXX and my mortgage lender requested a credit supplement. I provided TU with documentation showing updated account balance of {$0.00} ; however, they did not update accordingly. Currently the reporting is 60 days stale showing last reported XXXX/XXXX/XXXX. I have provided a XXXX/XXXX/XXXX statement with the redispute XX/XX/XXXX but they have not yet updated the account to reflect accurate reporting.
Product: Debt collection

ON WEDNESDAY XX/XX/XXXX ... XXXX XXXX XXXX SENT A GARNISHMENT TO MY EMPLOYER. I DID SOME RESEARCH AND REALIZED THE JUDGMENT WAS DISMISSED. THEREFOR I WAS NOT RESPONSIBLE FOR THE DEBT ANYMORE. THEY ARE TRYING TO COLLECT FOR A JUDGMENT THAT IS DISMISSED AND THERE IS NO GROUNDS FOR THE GARNISHMENT. THERE IS ALSO NO JUDGMENT ON MY CREDIT REPORT HISTORY. I HAVE ALREADY EMAILED AND FAXED THEM A COPY OF THE COURT CASE THAT I FOUND ON OREGONS PUBLIC COURT XXXX
Product: Checking or savings account

XX/XX/XXXXI made a purchase for a XXXX  website. The company scammed me and did nothing. They just held my money. I filed a dispute with chime and it's still being verified to this day. I have finally gotten a response from the scam merchant and they told me they'll be refunding my money to my account. I informed chime of this and even attached the chat the merchant and I had about this and chime is still not reimbursing my account. They told me it's gon na take until XXXX. I can't wait that long. Chime is a horrible bank I will never recommend them for these reasons.
Product: Debt collection

Arcon Credit Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Another collection letter was sent regarding subject account ref # XXXX, after company accepted payment of {$XXXX} as settlement of this account on XX/XX/year>, I have received the attached letter that does not show the account as being paid and requests further payment. This is a formal notice that your claim dated XX/XX/year> is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Furthermore, I am requesting that you supply documentation showing that per our previous conversations, that this account has been completely paid and there is no outstanding balance due and no legal obligation on my part further exists.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom it may concern The options you guys had listed was different from my concern. However I got a solar loan for about XXXX XXXX back in XXXX there were a group of people passing around there were XXXX XXXX company who I guess Goodleaps is partner with however I have never got solar not once and goodleap is sending me build after bill to paid for something Im not getting through a solar company that is unlicensed for the state of Nevada I refuse to pay the bill because I dont see where this is my fault for a big company like good leap to sign contract with someone whos not state licensed Like Im the customer here how have been a victim of fraud here I dont see why I should pay for something Im not getting the solar panel is sitting on my roof and have to pay for that with no power when I sign the contract to pay for a working solar.. There send the bill to collection now its affecting my credit score so even if I never get solar I still have to pay for the solar along with my XXXX energy bill that Im still paying too
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a fraudulent account to the credit bureaus. I have never taken out a loan with XXXX however XXXX is reporting that I took out a loan in 2012. I never took out any loans in 2012. XXXX is also fraudulently reporting that I took out a loan of over $ XXXX. I've never taken out a loan of that amount. XXXX is also fraudulently reporting that I am in XXXX XXXX. I have gathered evidence that would prove that XXXX is reporting false information to the credit bureaus in an identity theft scheme. There is lawsuit to follow soon with XXXX, Experian, and others as defendants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXXNow I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Product: Debt collection

When I logged into my bank account this morning, I noticed that XXXX had been debited out of my account. It said, XX/XX/XXXX Adjustment - XXXX XXXX - {$180.00}. When I called Navy Federal I was told it was for an account that was overdrawn, however, neither of my checking accounts were. I came to realize that they were referring to an old account, 4 or 5 years old to be exact, that had been discharged in my bankruptcy that was discharged XX/XX/XXXX. The lady connected me to the bankruptcy department and I explained to the gentleman over the phone that this is against the law and that I had contacted my bankruptcy attorneys office and was awaiting a return call. This is not the first time I have had to fight with these people over unethical practices where my bankruptcy is concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX  XXXX  XXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I have no acknowledgement of these accounts
Product: Credit card

I had about ten credit ( maybe more ) cards with Synchrony and they arbitrary closed them all. All the balances on them are paid off except for one with a {$220.00} balance. On Thursday, XX/XX/2023, is when the cards were closed. That Tuesday and Wednesday I had pending charges, on Friday morning the charges were cleared, but with this credit card with PayPal when charges clear I get the cashback instantly, but since Synchrony closed the account, they will not pay the cashback. 

With the reduction of the massive buying power my credit score will significantly decrease. All summer I worked hard to build my credit score. I used the credit cards and paid the balance off frequently, rarely kept a balance. Prior outstanding balances are paid off. I eat off several credit cards and then pay them off. Now Black Friday is coming, I desire to carry a balance into Spring. I planned this Black Friday since XXXX by building a massive buying power, to spend only a portion of it so I can keep my credit utilization below 30 % and not max out one credit card to not significantly impact my credit score in a bad manner.

My credit report has many inquiries due to mainly applying to Synchrony Bank, no one will lend to me due to the many inquiries even though my score is at a XXXX, no derogatory information, and all balances with other lines of credit is at a {$0.00} or up to 5 % utilized. As mentioned before, I did this to shop within a responsible budget for Black Friday ; to get things my parents never bought me as a child and now I work and can afford through credit to maximize the reward system. 

This is not a duplicate complaint but a new complaint. I am complaining about the cashback that is owed to me.
Product: Credit reporting or other personal consumer reports

Went to XXXX website to obtain my report and was unable to get it. Logged in, but system keeps kicking me out.

Statute of limitations has expired on XXXX XXXX XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX. This has to be deleted. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX are not my address delete address off my report. 

My address is XXXX XXXX XXXX, XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

XXXX from XXXX and XXXX keeps calling me on a debt that I have paid three times on. I am actively pursuing legal action as it is damaging to my good name, credit, and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


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

This complaint is for the multiple late payments found on my credit report as of XX/XX/2024. 

According to 15 USC 1681a Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, & Equifax are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$6100.00}
Product: Credit reporting or other personal consumer reports

I have put XXXX, Transunion and XXXX on notice for months. I am a victim of identity theft. I sent in police reports FTC REPORTS to no avail. I even identified the persons who stole my information and used it to set up multiple accounts in my name for XXXX XXXX. XXXX XXXX has video evidence of the fraud. this amount to willful non compliance 15 USC 1681N this is hurting me and harming my business and mode of living see attached documented 1 identity theft letters identifying the fraud accounts 2 ftc report 3 police report 4 state ID 5 SSN 6 Proof of address insurance card this fraud listed in my letter is not related to any transaction initiated by me If this continues to report I will send all said docs including this complaint to my North Carolina Attorney General XXXX XXXX please remove asap 15USC1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX