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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I do so. Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00}
Product: Mortgage

XXXX XXXX XXXX, Loan Officer NMLS XXXX, from Guild Mortgage ran a credit inquiry pull on my credit without first asking for my permission. I did grant him permission to perform a credit pull back on XX/XX/2021 for a pre-approval which expired 90 days afterwards. I did speak with XXXX 's branch manager, XXXX XXXX on XX/XX/2021 whom basically told me well they " assumed '' and just pulled my credit since the home my wife and myself are still contemplating on closing on would be XX/XX/2021. This home is a new build, but we are still considering and entertaining other options for a home purchase, along with other options for financing. I asked both XXXX and XXXX to reverse the credit inquiry and was told that isn't going to happen and to void and shred any documents they received as I won't be conducting business with them. 

Ultimately, I want them held accountable and forced to remove the unauthorized inquiry for all 3 of my credit reports with XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied for an Amazon Store Credit Card in the beginning of XXXX. I believe it was in XXXX, but I can not recall the actual date. I applied online, through my Amazon Account, when I was offered a promotion to get {$50.00} off the current total cost. I received the {$50.00} discount although I never received any notification in my personal email or in the mail about the credit card. 

Synchrony gave Amazon my credit card information before sending me the card, and Amazon went into my Amazon Account, removed my Prime card from default charge and replaced with the new synchrony store card. There was a letter with the details, dated XXXX XXXX, in message Center of my Amazon Account. This letter mentions that I " will '' receive my card at a future date, pointing to the fact that the past mentioned actions have taken place prior to my having received my physical card. The letter also states that the store card was automatically added to my Amazon.com account as my default payment. 
I have attached a copy of transaction sheet listing charges two charges totaling {$63.00} for two items and the late fees of ( {$38.00} per month ) up to the current date come to the account balance of {$340.00}. 
XX/XX/XXXX - {$7.00} XX/XX/XXXX - {$56.00} Complaint Amazon and Synchrony violated CA law by distributing a card in CA and to a CA resident that does not require activation, and by not divulging this information to me before I signed up for the card. If I had known the card did not require activation prior to use, I would not have applied for it. Both companies put me at risk for fraud and identity theft by violating CAs credit card law. 

Both Synchrony and Amazon took part in committing financial fraud when Synchrony gave Amazon my full credit card number and the three digits on the back, enabling the card to be charged without my permission and before the card was in my possession. Amazon not only entered my personal Amazon account without my permission, they manipulated the credit card arrangement, changing the default so that any charges made to the account would automatically go to the Synchrony Store Card. This was something someone at Amazon did with the help of someone at Synchrony. 

Request It is my desire that all charges involving this Amazon Store Card through Synchrony that are connected to either or both companies be cleared along with any and all late fees.
Product: Debt collection

I have recieved a letter from XXXX. In this letter they claim that Providian bank is the creditor as well as XXXX XXXX. This is FALSE. Providian was sold in XX/XX/XXXX to Washington Mutual inc which continued to run it as wholly owned subsidiary. Class action suits began in XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. In XXXX, Washington Mutual was seized by the federal government and then sold to J.P.Morgan Chase. I have spoken with a Chase executive named XXXX XXXX ext. XXXX. She assured me that Chase does not collect on accounts that are as old as this. So, with that said, XXXX and XXXX are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. Chase bought up the bank that bought Providian. They do not have Chase 's permission to try and collect this debt, I have spoken with a Chase executive They list Providian as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.
Product: Debt collection

I am filing a formal complaint against Sallie Mae for knowingly misreporting credit information, failing to provide verification of debt ownership, and engaging in unprofessional conduct during my attempts to dispute incorrect reporting. 

Key Issues : Sallie Mae refuses to provide the name of the company they allegedly sold my student loan to, despite reporting " purchased by another lender. '' This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. 

The charge-off continues to update monthly, making it appear new, which is an illegal re-aging practice. Sallie Mae stated that this will continue happening due to a previous balance, even though the account was charged off years ago. 
My charge-off balance increased from {$7600.00} to over {$10000.00} years after charge-off, which is an illegal practice. A charged-off balance should not be increasing after being closed. 

A Sallie Mae representative engaged in unprofessional behavior during my dispute call, making personal and irrelevant remarks about my degree and financial situation. This was highly inappropriate. The Sallie Mae representative, XXXX XXXX ID # XXXX, made unprofessional and misleading statements, including falsely claiming that charge-offs continue to update indefinitely and that my loan balance can still increase after being charged off and sold. The representative also made inappropriate personal remarks about my financial situation.
Product: Debt collection

I recently obtained copies of my credit report and noticed inaccurate account reporting. An alleged debt is being furnished on my credit report which is a violation of 15 USC 1692 b ( 2 ), because it being furnished would mean that I owe the alleged debt but you are not authorized to claim I owe anything and this reporting on my credit report, this is also advertising to coerce payment which is illegal.

In addition, banks can not loan money or extend credit 15 USC 1692a, banks are borrowers and I am the original creditor. 15 USC 1602, defines the term " Credit card '' which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property.

I am the original creditor, 15 USC 1692 a ( 3 ) and am invoking my cease and desist rights, according to the Fair Debt Practices Act, 15 USC 1692a, there is no definition for the term '' loan ''. Also banks can not lend money, nor extend credit. A bank has no power to lend its credit to any person or corporation " Bowen v Needles Nat Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, Ct 1024, 176 US 682,44 LED 637.

I am requesting Wayfair Inc to cease and desist all communications, payment be submitted to me for all violations per 15 USC 1692 k listed in the attached.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. The account is for XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. 

If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

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

LVNV FUNDING LLC  XXXX This company was supposed to have sent a report to the credit bureaus indicating this account did not belong to me, I never signed a contract with them and had identity theft a while back which I included various police reports and FTC Reports indicating this and was deemed fraudulent by the company this company BOUGHT THE DEBT FROM- yet it remains in my credit report blocking me from purchasing a home. It needs removed immediately.
Product: Debt collection

Fair collection and outsourcing, a collection company that has report to all 3 credit Bureaus- XXXX, XXXX XXXX XXXX. The Original creditor- is XXXX XXXX XXXX XXXX that sent inaccurate information to this collection company. I dont owe this Fair Collection & Outsourcing the Fraudulent amount of {$4800.00} that been reported by fair collection and outsourcing is not true. The original creditor XXXX XXXX XXXX which I sent all my receipts proof all payments made on time. Has deleted there company off my credit profile. But they dont contact thie collection company who they place the account with to remove collection company from my credit profile knowing that they receive all payment proof but havent had the collection company they hire to be remove off of my credit profile this had cause me pain and XXXX  of scuffing not to be able to to get approved for a place to live because of inaccurate information beings place on my credit profile by the original hire fair collection company and outsourcing - collection company asking for a fraudulent amount that I dont owe to them the original creditor has not contacted them to have them to removed collection off my credit profile profile.when the original creditor been removed off because I sent in proof of all payments made on time this account should have never went to collections any way. The fraudulent collection amount and Fair collection and outsourcing be remove from all 3 credit bureau.
Product: Credit reporting or other personal consumer reports

From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my XXXX, XXXX and Experian credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.
Product: Credit reporting or other personal consumer reports

I have a credit card that has been paid off and closed that equifax is still reporting as open with a balance. i have a dispute thru equifax showing said card paid off and closed but they are still reporting it as open and with a balance, i want this corrected immediatley as this is going on 90 days
Product: Debt collection

Credit Acceptance sold a 19 year old debt to XXXX XXXX XXXX, XXXX in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX County under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost 20years old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my anxiety has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.
Product: Credit card or prepaid card

Citizens credit card corporate office in XXXX RI I ordered a stationary bike for {$120.00} from XXXX on XX/XX/XXXX ; i decided to cancel the order on the above mentioned on XX/XX/XXXX I was charged on my citizen credit card {$120.00} on XX/XX/XXXX, was credited for cancelled purchase. 
Then on XX/XX/XXXX was billed again for same item stationary bike {$120.00}, issued a credit once i called on XX/XX/XXXX. 
Then again on XX/XX/XXXX billed again on my credit card {$120.00} I filed disputes with Citizen credit card regarding this constantly being billed for this above mentioned item, that i cancelled and NEVER received! 
Dispute dates : XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XXXX # XXXX NO ONE ever gets back to me by mail, email or phone regarding this issue, and now they have charged me interest on this erroneous charge! 

I have a very good credit score, and pay all my bills in full every month. 

Please help correct this incorrect charge of {$120.00} plus the {$10.00} interest on this incorrect charge. ASAP Thank you XXXX XXXX XXXX ... XXXX XXXX XXXX ... .XXXX, delaware XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses Collections Names Hard Inquiries These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Debt collection

On XX/XX/21 CSR XXXX called my cell phone 4 times including once from her personal cell phone within about a 30 minute time span. That is harassment and illegal
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Transunion.
Product: Payday loan, title loan, or personal loan

I Received a check in the mail That was addressed to not even my real name I contacted the company and went in because they offered me a certain amount of money at the time I was XXXX  being forced to give up the baby fir adoption because of financial stress with my fiance sentenced to prison was being evicted and had XXXX  and the post office losing 12 packages of mine at once costing me my savings my XXXX account which was my onluly income source and i hsvent gotten XXXX back from usps over that and was the only reason i took the loan then to not e en recieve the entire loan. When i noticed the paperwork and the insurance policies i contacted tower immediately where i had to go sign papers that were to opt me out of these iklegal practices and i would recie e my money back. Nay nay i havent recieved a XXXX back and they want me to pay back what .the amou t they stole from me to buy these bogus unwanted unwarranted policies wouldve canceled out the amount i did recieve. when I went in there and they asked me some questions basic questions and then when it was time to sign the woman told me that it was just a reiteration of everything that she had just went over because I told them that I could not read and needed her to explain everything to me and come to find out they took half the money and bought bogus insurance policies for life Auto and collateral that had nothing to do with the loan I have never received a loan in my life I did not ask for this loan I did not apply for it nothing my credit was great before this the fact is they are practicing predatory behavior and phishing and picking two scams they've been brought to court over. They had not refunded me any of the money that was put towards these policies. I dont feel I should have to pay monies back on a loan that I did not receive nevermind their illegal practices including harassment showing up at my residence calling me and my family non stop when I've already contacted the company to express my concerns and was met by attitude profanity and unprofessional behavior like being hung up on. I don't have any money my bank account was closed because of this situation and identity theft as well as excess overdraft fees from my bank im dealing with. I filed for XXXX  and have no income im sorry
Product: Debt collection

I am receiving double jeopardy on a Midnight Velvet account I had. Midnight Velvet is reporting the balance. They sent it to XXXX and XXXX and THEY are reporting the balance ... it subsequently was sent to XXXX and THEY are reporting the balance. XXXX collection balances reporting on my bureaus for XXXX ACCOUNT. This is a violation of federal law. 

I have disputed this with all XXXX bureaus and they left the balances on my files
Product: Mortgage

In a previous complaint filed with CFPB # XXXX PHH Mortgage responded they have no recollection of receiving a payment of {$4200.00} from the Bankruptcy Court! I have provided documentation from the court as well as PHH own document showing they received the payment.

This response is not a final response to PHH regarding our previous complaint. Further review of their provided documentation is necessitated as we believe payments made from the suspense account where not correctly documented by them. 
We will also be reaching out to our CPA/Forensic Accountant within this time period to further assess the accuracy of their accounting methods!
Product: Money transfer, virtual currency, or money service

My financial institution allowed a withdrawal of funds out of my savings account to another institution that requested it on behalf of a false claimed report. The agent I spoke to in the fraud department was not willing to help me make a dispute to get my funds back. The fact that they allowed a transaction that is irreversible to be withdrawn from my savings account without my permission is a breach of security and trust and they have violated my consumer rights in regards to the Fair Credit Reporting Act