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

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Credit card

Starting XX/XX/year> ; I charged a line of credit to my Synchrony Bank Care Credit Account. As Synchrony Bank was experiencing difficulties accepting payments using a XXXX directly to my Synchrony account ; I was making payments using my bank to Synchrony Bank via bank checks with my account number listed on the checks, to post to my Synchrony Bank account. Each month from XX/XX/XXXX through XX/XX/XXXX ; I would submit my payments by bank check to Synchrony Bank ; and each month I would get a notice or call from Synchrony Bank stating that I had not made a payment to my account. This is causing late fees to my Synchrony account ; and it is damaging my personal credit. As of XX/XX/XXXX ; I received a phone call stating that they had not received my last XXXX payments to my Synchrony Account. On or about XX/XX/XXXX ; while speaking to a Customer Service Representative ; I had stated that it would be good if Synchrony Bank would accept a bank XXXX for payment ; which the representative said they could. I then attempted to use my bank XXXX to process a payment to my Synchrony account ; and Synchrony Bank declined the payment, even though more than sufficient funds were available for the payment. Since XX/XX/year> through XX/XX/year> ; I have had to file financial disputes with Synchrony Bank inquiring as to why my payments are not being posted to my account. However, I have never received a response from Synchrony Bank stating where my payments are being applied to ; or what steps Synchrony Bank is doing to resolve this problem. As of today ; I was informed that my Synchrony Bank account is still delinquent, XXXX weeks after I submitted my last dispute with their company. I have yet to get a response from Synchrony Bank as to any resolution.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. when i contact the debt collector they are unable to give me information on the account. 

i tried to include my driver lisences, social sercuirty card and proof of address, but unable to up load over 10MB
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE DISPUTED THESE ACCOUNTS AND THIS IS A VIOLATION THAT THE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION. THEY CLAIM ITS BEEN VERIFIED AND ACCURATE BUT HAVE NOT PROVIDED ME NO INFORMATION SAYING THIS ACCOUNT IS MINE. HOW CAN XXXX REMOVE THE ITEMS AND THE OTHER BUREAUS DOESN'T? THIS IS A VIOLATION BY ITSELF. REMOVE IMMEDIATELY. 
SEE ATTACHED :
Product: Mortgage

I set up a XXXX XXXX account, although I did n't provide enough information to receive an actual loan quote. I began to receive email marketing because of that, and one lender, XXXX XXXX at First Ohio Home Finance, sent me a marketing email that is very concerning. 1. It was sent to numerous recipients, with all of our email addresses made public. 2. It does n't contain an opt-out option. 3. The subject line does not specify it is marketing, it simply says 'This Weekend '.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE A FRAUDULENT ACCOUNT XXXX XXXX XXXX. IN THE AMOUNT OF {$650.00} ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. IT IS HURTING MY ABILITY TO OBTAIN CREDIT ALSO I DO NOT RECOGNIZE, NOR DID I GIVE XXXX XXXX XXXX AUTHORIZATION TO CONDUCT A HARD INQUIRY ON MY REPORT DATED XXXX. PLEASE REMOVE THAT AS WELL
Product: Debt collection

I Received a Summons and complaint XX/XX/2017 from XXXX district court from Discover Bank Attorney in, in the amount of {$6000.00}. 
- I have reached out to discover on numerous occasions and reported that this was not me nor is the debt incurred mine, they have yet to validate my debt. I have also informed them that my identity was stolen and I have Documentation from the police and also the IRS to prove so. 
I have sought counsel in regards to this matter. 
I have also checked My credit report and I have no debt from Discover on there either.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

Amex Serve has a policy of holding a consumers funds 7 days after a transaction is cancelled. They claim to not have the ability to release the funds even if you submit proof from the merchant that the transaction has indeed been cancelled. I submitted a complaint within the last 3-4 weeks and received a vaguely worded response that in no way addressed my concerns. While I 'm quite sure this practice is not illegal, it is a great inconvenience to the consumer.
Product: Debt collection

I was paying a debt that I owed and entered into a payment arrangement with the collection agency. and when the debt was settled they continued to charge my debit card and collect the arranged amount. after the second time they collected this amount from me I received a letter stating the debt has been satisfied .it was satisfied XX/XX/XXXX but there was an overpayment XX/XX/XXXX and they collected again XX/XX/XXXX .when I received a letter stating they were going to charge my account again XX/XX/XXXX. I called them and it was then she told me they were now collecting for another debt. that I knew nothing about. I have never received notice of this debt. or any statement for this new debt. so I asked for them to refund the money that they took from me but she said they would not refund it even though I disputed the debt. to me this is criminal and should be treated as theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues reporting a late payment, depite me asking them to provide proof of sdaid late payment. I have disputed this with XXXX XXXX and XXXX and XXXX has simply updated my consumer report and " updated '' the account meanwhile this derrogative and innacurate information continues blemishing my reputation. In accordance with 15 U.S.C. 1681 ( b ) of the FCRA, I have not provided written permission for XXXX XXXX to furnish inaccurate information about my creditworthiness.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently called and mailed Equifax to remove inaccurate reporting on my credit report. I have called numerous times and have sent certified mail to their fraud department. I have filed an FTC report and provided the information they have requested. I called again today to ask the status of the removal of inquiries and I have been told something different every single time I call by a different agent. I have requested to speak to supervisors, but I get lost in the transfer or hung up on. I have not had any success with this company and it has been months.
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following account that do not belong to me : XXXX XXXX XXXX account XXXX
Product: Mortgage

My house was sold while I was under review, I tried everything the service conmpany asked me to do to stop the sale date, I was told if I did everything they would postpone sale date, I submitted everything on time and was calling to see status leaving messages and my house was sold on XX/XX/XXXX. The next da it had been sold I get a call from Nation Star mortgage serviser asking me for some docs that were in file to do a modification on my mortgage. My loan came from XXXX XXXX XXXX and they never worked with me so they sold my loan to Nation Star Mortgage on XX/XX/XXXX, 10 months into Nation Star Mortgage they foreclosed my house violating my rights and laws of my modification. I was evicted within 6 weeks without a place to go leave or stay, I had to leave in a hotel for a month and than a month into an empty house that was for sale and they let me stay in the kitchen with some mattresess with my XXXX kids ages XXXX and husband. We hit rock bottom with this action.
Product: Bank account or service

Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and two bill payments within 3 months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed chat with a citi representative. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their promotion.
Product: Student loan

XXXX University  sold my information in exchange for payment to GENERAL REVENUE CORP-Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I admittedly accrued a large amount of credit card debt while I was in XXXXXXXX XXXX I took out a loan with this creditor to consolidate this credit card debt in XX/XX/XXXX. With the financial strain of XXXX followed by some XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I was struggling to get on top of things and partnered with a debt settlement law firm in XXXX, XXXX XXXX XXXX XXXX XXXX. I enrolled three debt accounts at that time. Two of the accounts were resolved within a year. XXXX XXXX ( XXXX ) refused to negotiate with the firm before serving me with a legal notice at my home earlier this year. There was a settlement payment schedule approved XX/XX/XXXX- XX/XX/XXXX. I have made every payment on time through an escrow account since XXXX of XXXX ( $ XXXX ). I disputed through Experian some addresses and phone numbers I did not recognize. XXXX took the opportunity to update my account at that time to " XXXX  '' collections. My credit score took a huge dive at that time. My credit report indicates this account was " XXXX  '' charge off from XX/XX/XXXX to XX/XX/XXXX. To arbitrarily update my account to " XXXX '' as of XX/XX/XXXX seems retaliatory and has greatly impacted my creditworthiness.
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.XXXX laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, it is very difficult to speak to someone at American Express they are transferring you to multiple reps that are not assisting you, I have several inquiries that were administered by American Express upon applying for 1 card with that being said I am a victim of identity fraud and what is happening before the company speaks with you they are already doing a hard pull before speaking with me and once they speak with you they are doing another hard pull after speaking with me why is the company doing multiple inquiries within 1 week when I only applied for 1 business card but there were 2 additional inquiries done and none was able to explain, they give you credit fraud information phone number and they will state to call credit bureau, you call the credit bureau and they state call American Express since the inquiry came from them. All I ask if American express removes the inquiries as I had no other additional service but the 1 card.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX AGAIN. When you call this company and speak to different people you get different answers to your questions.
Product: Debt collection

XX/XX/2022 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted .i also challenged the incorrect information account where credence clearly violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2
Product: Debt collection

The debt was made back in XX/XX/XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off two of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX The collection is XXXX
Product: Checking or savings account

I have been contacting Wells Fargo since XXXX about accounts personal lines of credit debit card accounts that I did not open etc. On XX/XX/XXXX. I received a text message from wells fargo concerning my account. When I call or go to the location I am told I don't have an account. I continue to recieve messages and continue being told that I do not have an account at wells fargo. This is happening because government officials and federal contractors have made a forgery Maryland durable financial power of attorney that states an unknown agent to have power and control of my money or property if I am able to or not.
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 8058 ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX and Equifax credit reporting agencies, block 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 personal credit cards account opened at XXXX XXXX in XX/XX/XXXX under the account number, also XXXX XXXX in XX/XX/XXXX under the account number and another XXXX XXXX in XX/XX/XXXX under the account number XXXX  account was also a business line of credit opened from XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX also a XXXX  XXXX XXXX credit card was opened up on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent aacounts. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number ) as proof from the US 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

Transunion is reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

I was not informed during the application process for a XXXX  ( SYNCB/ TJX ) store credit card a Hard Credit inquiry will be initiated that I applied for on XX/XX/year>. I filed a report with Synchrony Bank to remove the inquiry and no further action was taken because I did not add a source of income.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting the account XXXX ( Account Number : XXXX ) with a 30-day late payment history. I did not authorize or consent to report this account, and its reporting violates my rights under the FCRA, specifically 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. Additionally, I have noticed discrepancies between the information that TransUnion and other credit bureaus reported, indicating a failure to maintain the maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). This inaccurate reporting has caused significant harm to my credit profile and has negatively impacted my ability to secure financial opportunities. I demand an immediate investigation and removal of this account from my credit report. If this issue is not resolved promptly, I will pursue {$1000.00} in damages for willful non-compliance under 15 U.S.C. 1681n. Please address this matter urgently to avoid further action on my part.