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

Consumer Name : XXXX XXXX, XXXX, XXXX : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX under the account number ( XXXX ), A personal loan account from XXXX opened XXXX, XXXX XXXX under the account number ( XXXX ), An inquiry from XXXX  XXXX on XX/XX/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: Mortgage

XXXX XX/XX/XXXX To Whom It May Concern, I am filing a formal complaint against Santander Bank regarding issues with my line of credit. 

Institution Details : Santander Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Outstanding Debt Details : - Total Principal : - {$40000.00} - XXXX Credit Line Originally : {$41000.00} - Total Current Balance : {$51000.00} Account Information : -Account Number : ending in XXXX I have been making the minimum payments on my line of credit, with my last payment of {$510.00} made on XX/XX/XXXX from my Santander checking account ( Account Number : ending in XXXX ). I have been a loyal customer for XXXX years. 

However, when attempting to make the next payment of {$510.00} on XX/XX/XXXX, the payment was repeatedly returned to my checking account without explanation. Despite my efforts to resolve this, I received no answers. 

Several months later, I started receiving pre-foreclosure letters and texts. I eventually reached a representative and submitted the required financial package, including non-borrower details ( my mother 's information ). Despite this, I was asked to resubmit the same information along with additional documents not initially requested, such as proof that Santander was added to my insurance ( waiting on my insurance company to add as quickly as possible ) and confirmation that flood insurance was not needed. 

As of now, I owe {$11000.00} due by XX/XX/XXXX, which I can not pay in full. Additionally, I have faced issues accessing my bank statements online. I am now receiving threatening letters stating that my home will be auctioned off on XX/XX/XXXX. 

I utilized this line of credit to repair my roof and make other home XXXX. It is distressing to receive threats of repossession for a {$41000.00} line of credit. I have been paying my primary mortgage through XXXX XXXX XXXX XXXX  for almost XXXX years and have been offered support options if I ever fell behind. It is shocking that Santander does not offer similar assistance for a line of credit. 

How is it possible that there is no payment plan option available? Considering the current economic crisis, how is this even legal? I have a XXXX father living with me, and I am the first homeowner in my immediate family since my parents immigrated to the XXXX. Families deserve better treatment during these difficult times. 

I have attached all necessary documentation for your review. I truly appreciate the existence of services like this to protect everyday families. 

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

I return phone before I left because It was a simple flip phone that easy to operate, push buttons not easy to push, display screen hard to read and understand, so before I left store I around stated I did not want phone gave it back with box it came in non used condition, ( which is the best and proper way to do ) .Then I look at the XXXX XXXX to turn off my phone line service, ( that I have just open, not used yet ), and I was leaving store the employee yelled you left your phone, I never got a phone bill, are receipt for phone I bought because all that information would be on my first month bill, and no customer account number.XXXX  has listed me as a credit not paid {$220.00} dollars.
Product: Mortgage

Attached are two responses from LoanCare , LLC which regards the previous complaint filed XX/XX/2024.

The first response datedXX/XX/2024 states that the company received a " notice of error regarding the loan referenced. '' I did not send a " notice of error '' nor did I ever refer to the matter as an " error. '' I, respectfully, made issue with regard to a " breach '' in the company 's system and the " timing '' of the breach. 

The second response dated XX/XX/2024states that I " questioned the validity of the loan transfer. '' My wife and I are well aware that mortgage companies can and do sell or transfer loans. My letter addressed the " timing '' of the security breach with respect to the loan transfer. 

During the brief two week period for the " announced '' transfer, I had contacted LoanCare , LLC customer service with respect to a " physical address '' for XXXX, XXXX for mailing Certified Mail to the company. Customer Service could not or would not give out that information. I found an address via my own investigation. 

The following day after the phone call to LoanCare , LLC customer service I received multiple phone calls with voice messages to contact LoanCare. These calls came in while I was out of town. I had already mailed our mortgage payment for XX/XX/XXXX. When XXXX, XXXX received our payment the calls from LoanCare , LLC stopped. 

My wife and I made the " transition '' of our loan being transferred from Loancare , LLC to XXXX, XXXX without a problem. There was no chaos with respect to making " timely '' payment ( s ). 

Again, I do question the " timing '' of the security breach which raises questions about other borrowers maybe enrolling in " identity theft '' protection via LoanCare , LLC letters sent out to other borrowers.
Product: Debt collection

I have reached out to your company asking for proof that we have a contract together. I asked for hard evidence. You did not provide any proof that such occurred. Are you even licensed in my state to collect debt? Legally, I never made a binding contract with your company using my wet signature. If I did, please provide proof. I in fact know that I did not. Please delete this from all three of my credit reports immediately as you are a collection agency, and it is against the law to be on my credit report without my consent.
Product: Credit card or prepaid card

Synchrony XXXX has closed two of my accounts without any notification ; one which was paid off. They have continuously pulled my credit report without my permission.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violates consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform leaving accouns vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electric funds transfer act and regulation E. These actions have cost significant inconvenience and financial loss I seek appropriate redress for these violations
Product: Debt collection

I atgneoted to apply for a mortgage and it was brought to my attention a judgement was made and a lien is on me for XXXX $ by company LVNV funding. I attempted to call to settle this unknown lien from XX/XX/2016. I have the lien information and the lvnv company has no record of me or my SSN and can not help me erase this.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX. I found out a young lady did try to help me through Bank of America when I talked to her she was very helpful her name was XXXX I wanted to find out my husband had been in the hospital since around XXXX the XXXX or XXXX I was unable to have any calls and get any type of information due to phone issues I didn't get a new phone until around XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX so I contacted the bank because I found out that my husband 's check was direct deposited somebody went to the ATM machine I was told on XXXX the XXXX XXXX at XXXXXXXX XXXX. and took one transaction {$1000.00} and then they turn around and took like {$1100.00} or XXXX I mean {$110.00} or something like that when I spoke to XXXX after waiting almost an hour at Bank of America he basically was very nasty in our helpful he told me I couldn't find nothing else out about this account the bank is basically not trying to resolve this issue and just let me know if that wasn't my husband at the ATM machine if it wasn't him then I know it was someone else they are not authorized to go in the account if the man is XXXX XXXXXXXX so if it was not him at the ATM machine then something needs to be done I want it whoever it was if it wasn't him fully prosecuted and the bank failed to acknowledge this they dismiss this and basically want fraudulent activity if they if it is some to go on and not do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting Transform Credit Inc . I never opened a loan with them and I sent a dispute with XXXX and they say that transform will remain in my credit and like I said I never opened anything with them and they are charging my credit card every month I want them removed this is fraud and Ive dealt with fraud in the past I dont want to go through this again because someone else can be using my identity this is very frustrating
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite all of my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of these items as they are incorrect and does not reflect my true credit score
Product: Credit card or prepaid card

Capital one incorrectly reporting my payment. I never missed a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This pertains to XXXX credit cards that I had with XXXX. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted XXXX ( via phone on XXXX, XXXX ( XXXX different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. 

These four calls centered around multiple handoffs between Customer Care Specialists, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. At this time, all XXXX cards were cancelled, and I only asked to receive a replacement for XXXX of those cards. 

During this period, I continue to be unable to access my remaining account online, and the solution from XXXX was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the XXXX 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from XXXX XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. 

On XXXX, I began receiving credit reporting alerts from XXXX XXXX, Experian, and XXXX Identity Theft groups. XXXX had posted a negative report ( late payment ) for a balance on XXXX of the closed cards. Experian made initial attempts to rectify, and XXXX rejected the claim as invalid. I provided Experian with the written confirmation from XXXX that this was fraud that I was not responsible for, yet it appears that XXXX tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times with my updated personal information in an effort to report fraudulent accounts in my credit file. They have updated the address I provided, then sent a postcard stating they don't have an account in my name. 
Equifax 's failure to follow federal laws written to protect victims of identity theft, they are engaging in defamation of my character and engaging in third party debt-collection activities over unverified debt. Equifax continues to state that they do not have a file in my name, however I have proof that they have my name listed in my credit file, and are failing to update it as my current name. After updating the Equifax several times and providing documentation of my name change, they continue to refuse to update it. The other major credit bureaus, including XXXX and XXXX have updated my information. This leads me to conclude that Equifax is knowingly and willfully engaging in identity theft, fraud, and use of my private information without my consent. Their automated system is failing to provide the required protection written by federal laws. 

Additionally, Equifax has failed to follow FCRA, FACTA, and E-OSCAR guidelines which state that information reported from identity theft must be blocked within 4 days. I have proof and record that Equifax received proper notice pursuant to federal law requiring them to block the fraudulent accounts. They have also failed to include a fraud alert, while the other major bureaus have updated my account with the fraud alert. 

Equifax additionally is obtaining information under false pretenses which holds them liable under title 18. Equifax has produced consumer reports to creditors whom submit application using my new name, which Equifax has also stated to me that they don't have a file on. How could a creditor pull my file using the same name I am using to contact the bureaus and these creditors are given access to my private an person information, but I can not access my file using the same information? 
I am prepared to sue Equifax if they continue to engage in criminal activity that is harming me and my reputation, for their engagement in third-party debt collection of unverified debt and for failing to following the federal laws that were written to protect me from this exact behavior Equifax is engaging in. 

I have record of all contacts between Equifax and myself, including certified mail return receipts and a Notary witness who signed that the relative documents were mailed out and received.
Product: Debt collection

In XXXX, a credit card Amazon store card from Amazon.com has been contracted without my consent and on my name. I dont know who or how, but l didnt ask that card. At that time l had never used a credit card because its not in my culture to use it, and because l didnt need any. I always use my debit card - especially to avoid this kind of problems. The same year, for some reason that credit card was used to pay my Amazon XXXX XXXX. Which was an error because l always pay with my debit card ( and l can prove it ). I was living in a different address at that time, and l moved a couple of months later still without being aware yet of all that. In about XXXX, l start receiving Synchrony bank and XXXX XXXX XXXXXXXX letters saying l owe them money for a credit card. I thought as my husband, that those letters were scams and not legit. I never heard about Synchrony bank and XXXX XXXX XXXX before, l didnt know these companies and what they are doing. So, it sounded not legit to us. So we ignored it for a year until l checked my XXXX XXXX XXXX! There was no reason for me to owe any debt. I have never had any debt in my life, even in XXXX my home country. So, when l figured this collection was real ( and l found out when l checked for the first time my Credit Score because we had the project to buy a house ), l have started disputing it. So, here l am. l now owe about {$500.00} just because bank and Amazon look like they made an unclear business offers for credit card to customers and contracted one that l have never needed and asked. I have never signed any contract and consent to get that AmazonStore credit card. The documents attached will show my good faith by indicating that l always pay my XXXX XXXX with my debit card. Only the payment in XXXX was made by the credit card by mistake. Again, I have never needed and asked this card and no idea how it was used for that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC XXXX XXXX XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX
Product: Debt collection

I have a credit card debt with XXXX. Im not sure the date on that but its been a couple years. XXXX I believe. They call from different numbers every day. I call back and tell them to leave me alone when I have the money I will pay them. I have tired this, I have tried to actually pay them and they try to take more then what I owe. They call all the time and leave threatening voicemails from different numbers telling me that they are taking me to court that if I dont give them the money I will have legal action taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviwed a current copy of my credit report and show inaccurate on incompleted information listed to my credit report. I sent a request for investgation to Transunion with to an alleged public record listed of bankruptcy. I recieved incompleted on unverified information back from transunion states that alleged public record verfied per data funisher. I understand that per the law of FCRA under permissable purpose. That I have not given any funisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investagtaion to the matter and request lawful reply.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

ON XXXX, I MAILED COPIES OF MY FTC REPORT, POLICE REPORT, AND IDENTITY INFORMATION TO ALL XXXX CREDIT BUREAUS REQUESTING THAT ALL ITEMS LISTED ON MY FTC REPORT BE DELETED. ALL XXXX COMPANIES HAVE YET TO DELETE THESE ITEMS. ALL ITEMS LISTED ARE XXXX XXXX ACCOUNTS AND DO NOT BELONG TO ME. I HAVE CONTACTED ALL XXXX BUREAUS AND INFORMED ALL AGENTS THAT I AM NOW NOT HESITATING TO TAKE LEGAL ACTION.