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

XXXX XXXX Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies Experian, XXXX, and XXXX. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.
Product: Credit reporting or other personal consumer reports

I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions.

Sent certified mail to XXXX, XXXX, and Experian. Sent Certified Mail on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification was stolen and the person opened a XXXX account and I keep receiving letters regarding fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Consumer Loan

On XX/XX/2016, I was at a retail store and was denied my purchase due to my credit dropping. It was a total shock and embarrassment to me as I had been getting increases in the recent months on other cards I had. 

So I pulled it up on XXXX and saw that Conns reported a 30 to 59 day late payment on my credit. This never happened! I immediately called Conns and they researched it and I spoke to 3 different people that day including a supervisor named XXXX who confirmed that it was reported in error and they would escalate this situation to have it handled immediately as it was affecting my XXXX shopping and a big gift for my kids. 

XX/XX/XXXX I contacted all 3 credit bureaus to dispute this with them. 

On XX/XX/XXXX I called back because it had not been corrected and I had not gotten correspondence. They informed me that on the XXXX the ticket was closed because they needed me to send a copy of my credit report ( made no sense because they reported it ) but nobody ever told me I needed to send it. So I immediately emailed it and was assured it would be taken care of. 

XX/XX/XXXX I called back and nothing happened. I spoke to XXXX who sent me to a supervisor named XXXX who assured me it would be sent to escalation team and I opened a complaint at that time number XXXX. 

XX/XX/XXXX I spoke to XXXX who said it would be at least 30 days because it was in credit dispute department ... I told her the 30 days started on the XXXX. She was going to have a manager call me back within 48 hours because there wasnt one available for me to speak to. I NEVER GOT THAT CALL XX/XX/XXXX I called back and they said the ticket was closed because they need a copy of my credit report ... THAT I EMAILED AND THEY CONFIRMED RECEIVED PREVIOUSLY. Miraculously that person was able to find the credit report and send it back to the credit department and it would take 30 days ... 

XX/XX/XXXX Spoke to supervisor XXXX after talking to XXXX for 10 minutes who told me she could n't find what I was talking about. XXXX said she sees that it has been put in and deleted and put in and deleted but did n't know why they were doing this. Again, sent it to escalation department ... at this point I am sure this is a tactic to buy time and pacify the customer, I do n't think it exists. 

Today nothing has been removed or fixed, XXXX is 4 days away.
Product: Credit reporting or other personal consumer reports

When I first heard that something went into collections, the first thing I did was dispute it with Experian, 1st one was denied, and I tried 2 more times to only get same response, after I spent explaining my situation, sent documents, only to have them gave me the same outcome, its like their not acknowledging the documentation, or anything. I spoke to XXXX so many times, to where they do t want to resolve the issue, like i said before the policy was started in early XXXX. There were XXXX claims filed, due to mechanical issues that I thought were covered. I later learned that mechanical breakdowns were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was front end damage and also damage underneath the XXXX XXXX XXXX. The extensive damage was documented and an assessment at a local dealership was performed. The XXXX stated that there were aftermarket parts on the vehicle, which XXXX would not cover. There were never any aftermarket parts added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a XXXX  complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over XXXX months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. My Car WASNT DRIVABLE, hence why I cancel the insurance, and was going to cancelled my policy in XXXX for no reasoning, so if I would pay the money, if would of been no point, and that I was up to date with my XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to me i have called the company and the credit bureau about this and i told iam responsible for these accounts. I have not gave anyone permission to use my name of info to apply for credit. 

XXXX XXXX  opened date XX/XX/2020 XXXX XXXX opened date XX/XX/2020 XXXX XXXX opened date XXXX XXXX XXXX XXXX opened date XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX not only has neglected to protect consumers But has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

On XX/XX/XXXX I had received a missed call from an XXXX XXXX. However after several attempts she refused to pick up the phone and according to her Co. Worker XXXX she can not speak to me because I has an Attorney by the name of XXXX XXXX however he withdrew himself as you will see on the attachments on or about XX/XX/XXXX. He lied to me prior to getting my money that he had absolutely no association with Wells Fargo only to find out after he sold me out working undercover for them that he has a Checking Account with them. So now Wells Fargo is spitefully attacking me over this. And sadly XXXX XXXX who wrote the letter dated XX/XX/XXXX With the phone number XXXX XXXX XXXX appears to be an outdated or maybe false contact individual due to the fact she never answers her phone and her voicemail greeting is dated XX/XX/XXXX. And the supposedly Home Preservation Specialist XXXX XXXX XXXX XXXX XXXX XXXX Ext XXXX hasnt returned any of my calls. And sadly this is a case of fraudulent conduct and retaliation tactics because I had complained to you all and fired their counterfeit lawyer whose been working undercover for them by the name of XXXX XXXX. They fails to mention that XXXX XXXX, XXXX has been communicating with real attorney on my behalf but they continue to lie and play games despite my mother XXXX XXXX being deceased which means shes no longer on the mortgage. However because its too much like right Wells Fargo doesnt want to do whats right and originally this case was actually supposed to go to a Jury Trial. But when I got rid of a prior Attorney by the name of XXXX XXXX from legal aid who was also working undercover with them. Then all of a sudden they filed the Sheriff Sale Action against me but I didnt have the time to even file a legal response because by that time the Courts were closed due to the COVID 19. I would however request that these harassing games stop immediately and that I can get on to paying this monthly mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had this account. I believe that somebody used my personal information and applied for this. I'm not responsible for any transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit cards ( 2 credit cards ) and XXXX XXXX XXXX has accounts on my credit report that are being fraudulently reported.
Product: Debt collection

I purchased furniture last year, XX/XX/2018 overXX/XX/XXXX, through Value City Furniture. Credit was given through Synchrony Financial. First issues were with Value City where it was damaged upon delivery. Took over 3 months to finally get undamaged furniture after multiple calls, incorrect deliveries, and failed customer service. Am actually still waiting for financial reimbursement from them, but thats another story. Two months later I XXXX XXXX  to my XXXX child where there were XXXX, and due to my husbands traveling, got behind on payment. Every few months Im a bit late on payment due to having to wait for payday, etc., but I do always end up paying my bill. This brings me to today. I am aware Im currently behind ; however, due to my employment, Im not able to discuss via telephone. Have never had issues before. But today starting at XXXX til current time as of XXXX XXXX, I have received 63 calls from Synchrony from number XXXX, and they never leave a voicemail.
Product: Credit reporting or other personal consumer reports

This is my 8th 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 Balance Owed : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020 a transaction for {$830.00} was charged to my account in error. The account number on the check is the same as mine except for one digit. I informed the bank, Fifth Third, of  the error on XX/XX/2020 and was directed to contact the Dispute Department. They seemed to be treating this as potential fraud when in reality it is a mistake. I contacted their Dispute department again this morning, XX/XX/XXXX, but they still have not resolved the problem. A similar problem with this bank occurred a few years ago. 

They acknowledge that is an account number problem, but they seem to have some bureaucracy in place that prevents them for providing reasonable customer service.
Product: Debt collection

I wrote a CFPB complaint in XXXX of XXXX requesting that Security Credit Services provide a validation of debt and that they have proof of claim to this alleged debt. They responded with a generic letter and a copy of the lease agreement. XX/XX/XXXX I mailed out a letter to them requesting everything in detail, because maybe they didn't understand what I was requested. I wrote a 5-page letter, specifically asking for detailed items to show proof I owed them a debt. Included in that letter was also an affidavit, I requested an affidavit in return signed, but did not receive anything but another generic letter stating that they " have the right person in their records ''. Again attaching a copy of a lease agreement, since when did a copy of a lease agreement constitute a proper validation of any debt? I also have been contacted by XXXX other companies, do they also have a valid claim because they have a " copy '' of a lease agreement? This is an ongoing thing where Security Credit Services doesn't acknowledge anything in my correspondence and just responds with a simple letter hoping to collect money. Last year in XXXX of XXXX XXXX XXXX was fined for their numerous violations of consumer rights, deceptive collection practices, and not providing full disclosure. Which also questions the amount owed in any alleged debt. This was my biggest issue with XXXX because they never could provide me with an explanation of the amount owed, and I believe it was exaggerated. I also believe Security Credit Services and XXXX XXXX are working together, and with the many bad reviews on XXXX about Security Credit Services apparently, I am not the only one with that sentiment. Not only did Security Credit Services ignore what I requested, they also ignored The XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Court. The court has notified everyone of my filing, and Security Credit Services has chosen to ignore them and continue reporting inaccurate information on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I can not unfreeze my Transunion Credit Report the same day that I am requesting it online through my account anymore. It use to work for years up until earlier this year. The same message I have been receiving all year is an error page saying all 3 of these : The credit freeze service is temporarily unavailable.

An error occurred when we tried to perform the action you requested. Rest assured, were working on the problem and expect things to be back to normal soon.

We are experiencing very high call volumes right now. 

The process has worked well for years but starting earlier this year it wont let me unfreeze it on the same day that I request the unfreeze. The only work around is I have to request the unfreeze for a future date and not the current day, then it magically works fine after denying my same day request. It is incredibly disruptive and annoying when trying to conduct any type of business that was not planed out a day ahead. 

Neither of the other 2 Credit Bureaus have this problem and can do same day unfreezes immediately once submitted
Product: Mortgage

After foreclosing on the property in XXXX XXXX Chase rescinded the foreclosure in XXXX XXXX. I then began the process of qualifying for a loan modification, I entered into a agreement with Chase in XXXX XXXX with payments of {$4100.00} per month until XX/XX/XXXX, the agreement further called for a principal reduction of {$440000.00} if my mortgage payments were made on time and I was not in default. My payments are current and I am paid through XX/XX/XXXX XXXX, more than one year since the agreement. Chase has not kept their part of the agreement by reducing the principal balance as they have stated in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXXXXXX {$100.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I was charged by XXXX XXXX XXXX XXXX XXXX XXXX for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX XXXX ( 1= {$990.00} ; 2= {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing XXXX simply kept sending duplicate copies of their bills. Eventually they turned XXXX billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first XXXX billing only. I still have absolutely no idea what " services '' these people performed during either one of my XXXX visits that would substantiate these charges ( that are over and above what the hospital XXXX charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported XXXX of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/2019 I went to the store early morning try to charge a debit for {$22.00} I found out that it declined I called the bank and found out that somebody charge around {$2300.00} on my checking account from XXXX XXXX I told her since they were still processing to cancel all the charges cuz I did not make them she said to let them go through and I would be issued temporary provisional credit for them until the claim was this investigated I was never issued any temporary credit I was issued a letter of denial I was asked if I made the charges or if I knew who made the charges I told him no I was asked if anybody knew my ATM pin I said my daughter did but she did not make the charges investigated a second time it was and I was denied again I contacted the merchants they told me to file another flight claim with XXXX Bank of America and they would issue the credit to me they also gave me the names of the individuals who made the charges they made the charges and their name not mine just using my card I filed another claim to Bank of America I got another denial letter and contacted the merchants and they said they would never contacted by Bank of America at all about my claim they still insist at Bank of America with contact them with my flight claim they would issue credit Bank of America still to the state refuses to listen or to file another claim even though I told them the merchants are willing to give back the money. I even filed a police report for Bank of America that once they got it they said it didn't make a difference