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

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX ( XXXX ) Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX  Account # XXXX
Product: Credit card

Dear Wells Fargo Claims Department, Subject : Request for Reinvestigation of Claim # XXXX I am writing to formally request a reinvestigation of Claim # XXXX regarding a {$2900.00} transaction dated XX/XX/year>. While I authorized this purchase, I have not received the item as described, and the handling of my case appears to have overlooked key details. 

Summary of Concerns : Tracking Number Provided Indirectly : After my initial dispute, the merchant provided a XXXX tracking number to Wells Fargo but did not share it directly with me. 

Inconsistent Evidence Provided by Merchant : When I disputed again, the merchant eventually sent me a XXXX tracking number along with a blurry image of a used XXXX shoe box with newspaper from XXXX, which is entirely inconsistent with my purchase. 

My purchase was a luxury XXXX  bag, and the image provided does not reflect this item. 

The blurry photo provided by the merchant does not clearly show the ordered merchandise. The image includes an XXXX package and a used blue XXXX box, which are unrelated to my order. 

When I initially stated I did not receive the goods, it was because I could not relate an empty, used XXXX XXXX to the luxury XXXX  bag I ordered. This discrepancy remains unresolved. 

Misrepresentation of Dispute Details : The bank has repeatedly stated that my dispute was based on an unauthorized transaction and non-receipt of goods. 

While I did claim non-receipt, I clearly stated that the transaction was authorized but the item I paid for was not delivered as described. 

The merchants submission of a generic XXXX tracking number does not address the core issue that the goods delivered ( if any ) are not the items I purchased. 

Supporting Documentation : To assist with the reinvestigation, I have attached the following evidence : The XXXX tracking details. 

The image was provided by the merchant. 

Request for XXXX : I respectfully ask for your assistance in : Reopening this claim for a thorough review. 

Investigating the merchant 's failure to deliver the purchased item as described. 

Issuing provisional credit during the investigation, if applicable. 

Please let me know if additional documentation or clarification is needed. Thank you for your attention to this matter. I look forward to your response. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$26000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 items. 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 # ( private 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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification
Product: Credit card or prepaid card

I had several retail credit cards issued by Synchrony Bank. Every credit card account in excellent standing and half of these accounts, if not more paid in full with no unpaid balances. On XX/XX/2020, Synchrony Bank closed ALL the accounts. When I called, they placed blame on XXXX and stated the agency contacted them and shared issues on my credit report. I contacted XXXX and they indicated that they do not report issues ( which I had no issues ) to credit issuers. I called Synchrony Bank back and all they continue to tell me was that I would receive letters in the mail explaining why! Well, two weeks later, I began receiving letters. Many the same explanation that I am a HIGH RISK of not being able to pay, even though I have shown excellent payment history! Other letters were complete inaccurate. Some stating account closed due inactivity. This information is completely false! I also received a letter for one of my accounts stating no activity over a 12 month period. Again, completely false information. The account for that particular letter was a new account not just barely opened 6 months. This type of business practice that Synchrony is doing to hundreds upon thousands of customers is wrong and they should be investigated! My credit over all is ruined because of synchrony bank. My credit score reflects my credit utilization is at MAX. I made many attempts to at least have my interest rate lowered and or completely removed since they closed my accounts AGAINST my will but still expecting to pay their high interest rates! In this current economy, people are struggling and yet this institution continues this in order to stay profitable. Something must be done!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. Neither do these inquiries- 1. XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021 XXXX XX/XX/XXXX. 2021 XXXX. XXXX XXXX, 2021 XXXX. XXXX XXXX. 2021 6. XXXX XXXX XXXX , 2021 7.XXXX XXXX XXXX  XX/XX/2021 8.XXXX  XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I want these unauthorized inquiries gone within this week from my credit report.
Product: Mortgage

See complaint Case number : XXXX It took XXXX days for them to tell me that the refinancing to not go through. I will settle this matter for {$11000.00} dollars. The refinancing was to be used to pay off my credit cards. Now my credit cards are suing me. I have paid over {$100000.00} to JP Morgan Chase which is more than I paid for the house. Most of these funds went to interest. JP Morgan has mishandled my refinancing, my loan modification, and my options. Now I have to untangle this mess!!
Product: Debt collection

I'm not liable for the debt with XXXXXXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Product: Checking or savings account

I am a victim of identity theft. An unknown entity keeps opening up bank accounts with my name, address, birth date and social security number. Funds are being taken or removed from my checking account with citizens bank and deposited in a bank I have no business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been sending echecks to XXXX for years, on time. I was contacted on XX/XX/18 by phone stating my XXXX payment wasn't received. Even though at the time, and still am recovering from XXXX, I called the number for their customer service. I spoke with someone and told them about my XXXX and was baffled why this was happening. Nothing had changed and I had writing and verbal confirmation from the paying bank that the payment was received. I also just sent a photo shot of confirmation of payment received directly from XXXX. They continued to harass me even after I sent them proof from my bank that payment was received. They told me my credit score was going to change. Also, on my first call, the customer service representative wanted all my banking information?? When I called my bank they told me that the representative should never have asked for that information. I believe since my payments were always on time and this was a zero percent interest account, they are trying to get late fees and raise my interest to get the interest they getting get because my payments were always on time. I have it set up as echecks from my bank. 
At this point in time, they continue to harass me saying my next payment wasn't received again! I have proof that it was. 
I would like this situation immediately remedied so I can transfer my balance to a reputable company! 

Thank you
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my accurate credit score and report for several weeks. I have spoken to at least 4 different representatives who each time allege that they will be solving the problem however the problem still exists. I have no idea what my accurate credit score is because they can not refresh my credit report. This has interrupted several financial transactions i am trying to complete. Please help me with this issue.
Product: Payday loan, title loan, or personal loan

I took out a loan on XX/XX/22. I borrowed {$1000.00}. This place is taking {$360.00} each month out of my XXXX check. They have taken {$730.00} already. There is supposedly no penalty to pay the loan off early. However, the website lists my principal balance as {$930.00}. And the payoff amount is {$1200.00}!!! Meanwhile, NO ONE ANSWERS the phone at this company. I can not pay my bills with this place taking half of my income. I only receive {$840.00} each month. I want and need to be out of this situation. I am not paying this place three times the amount I borrowed and then some simply because they refuse to accept my calls. I borrowed {$1000.00}. Technically I should only owe {$300.00}, or less. But I will pay the {$930.00}. Only the {$930.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, resulting in the unauthorized addition of several fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I now request the immediate removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Mortgage

Hello this is more of a general complaint that I felt obligated as a professional to let the CFPB know of illegal practices taking place in my area. There is a mortgage company Acre Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. The loan officer name is XXXX XXXX. He charged one of my clients {$2000.00} cash to help her find a loan a week before closing and told her that she would not get the loan or do the closing if she did not pay him. He also filed her tax return in the work office so that she could have a fake business loss so he can qualify her for a low income loan. He also did not sign the return as a tax preparer. Unfortunately this person is only XXXX  speaking and a first time home buyer and was unaware of what Mr. XXXX XXXX was doing. Its unfortunate that as a XXXX he is taking advantage of other minorities instead of helping them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX SXXXX XXXX XXXX XXXX # XXXX Bankruptcy XXXX XXXX reference # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent disputes to XXXX, Equifax, and XXXX regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30  days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named ECMC is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and ECMC orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Product: Mortgage

I believe my issues may fall under JUDICIAL MISCONDUCT, Federal District Ct, XXXX, XXXX. I can appreciate how convoluted this may sound My purpose is to learn if XXXX XXXX dept will even condisder a review of my situation. Assuming I can get an ear without wasting cfpb valuable time. I was awarded my claim for title of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX by XXXX XXXX, XXXX, XXXX late XXXX XXXX. Judge XXXX held a hearing at requet of AHMSI, XXXX XXXX, attorney for AHMSI. At this hearing Judge XXXX asked XXXX if she had any lawful " note '' to prove American Home Mortgages legal standing under TILA XXXX. XXXX answered " NO ''. With that admission Judge XXXX dismissed AHMSI. Iwas XXXX and was hen under instructions to draft his order funding in favor o ( m ). A week later I used that order to place lawful title in my name. From that point I commenced doing expensive improvements totaling some approx {$50000.00}. and commenced living in my home. 

Approx 1 year later I received notice to appear inXXXX Federal Dist Ct, Judge XXXX XXXX Presiding. In approx mid XXXX after I preparedly self for defense, XXXX. Not too long after I received Notice of Dismissal in favor of XXXX, OCWEN, AHMSI, Option One tat I XXXX XXXX XXXX was dismissed with prejudice, precluding me to be flushed down the Federal Ct toilet. Subsequent to that I was forcibly evicted about the same time I was in a life threatening XXXX and was hospitalized with XXXX. During my recovery I was forced to vacate. My life became an unholy terror ending up with me being forcd to leave XXXX to be assisted by my older brothe and finally settled in a mobile home in XXXX XXXX. I live now in near abject poverty having lost not just a valuable home bur the over $ 50k Judge gave to the criminal bank XXXX and the equally criminal OCWEN, and AHMSI. For me, well educated, it XXXX of justice spearheaded by Fed Judge XXXX XXXX. It smacks of a Federal Judge acting in collusion with several criminal ( aledged ) banks and absolute and total disregard of TILA XXXX which I followed to a T from way back in XXXX when AHMSI CEO XXXX ) e mailed XXXX promises to provide that which TILA requirers under law. AHMSI merely lied an d laughed at me failing al my XXXX ret Rec proof of delivery required by TILA. They commenced lying in writing mid year and refused to honor the CEOs promises to provide data. 

Like I said, quite convoluted but all tue and I have never found any counsel to assist me. Back then, before XXXX XXXX took hisCFBP position, all XXXX attorneys were gun-shy of all these fat kat mortgage servicers. I actually contact XXXX XXXX just before he left Ohio and was never able to reach him up ti l. 

In Advance I thank you for the look see that put this XXXX yrs old XXXX Vet on XXXX. I am reduced to begging for constructive help. Kind of given up all hope. 

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

I bought a car from XXXX  XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.