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

XXXX XXXX. XXXX : XXXX. XXXX : XX/XX/XXXX This FCBA complaint is being filed to request pursuant to FCRA that you, the transunion reporting agency block information appearing on my consumer report that is the result of identity fraud and identity theft within 4 to 5 business days of receiving this complaint. The following accounts and collections are the result of that identity theft and I have no recollection of said accounts. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$2600.00}. XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$170.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$900.00}. XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$430.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$440.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$400.00}. The following accounts have resulted in several fraudulent, hard inquiries and fraudulent collections on my credit profile. None of these accounts were made or initiated by me. I will be attaching several FTC complaints that I have also filed as proof that these accounts were opened fraudulently and were the result of identity theft. The reference numbers for said complaints are as follows. XXXX and XXXX. I will also be attaching identification verification
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX # XXXX - Date Opened 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 # XXXX 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and
Product: Checking or savings account

My company was victim of a pishing case. Some fake email, requested payment to a fake bank account in name of a company that we do business. The account is : Beneficiary name XXXX XXXX XXXX XXXX account number / XXXX  XXXX Beneficiary bank name CITIBANK NA Beneficiary bank address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Beneficiary bank code/ XXXX  address XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan These is a closed account yet it reports charge off every month since XXXX XXXX to XXXX XXXX then it stops reporting on experian. 


These account shows charge off since XXXX XXXX to XX/XX/XXXX then on XX/XX/XXXX a payment was made then a another charge off on XXXX to XX/XX/XXXX on XXXX These account shows no payment history after the charge off on XXXX XXXX. 

why are these reports all different if its been reported from the same creditor.
Product: Debt collection

I've disputed with Experian on XX/XX/18. I did a follow up with dispute letters and a call on XX/XX/18. I explained to the representative that the collection accounts were not mine, but I received no help. I sent this letter and made the call in regards to the inaccurate information reporting on my report. Today 's date is XX/XX/18. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. I have collections on my account that have been hurting my credit score and I want them removed immediately. The FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Debt collection

Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Date Assigned : XXXX XXXX, XXXX Original Amount Owed : {$49.00} Collection Amount : {$110.00} Collection Agency : CCS COLLECTIONS Original Creditor Name : XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$170.00} Collection Amount : {$170.00} I have disputed these accounts numerous of times for identity theft as I am not the responsible party. I have provided the police report and supporting documents in regards.
Product: Debt collection

Cedars Business Services is attempting to collect a debt that is not mine. I received a demand letter in the amount of {$2200.00}. This debt is not mine and I will not pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against Exter Finance and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries that I command to be removed from my credit report with TransUnion. TransUnions policy doesn't supersede federal law. They are reporting information on my report that is inaccurate and the result of identity theft. 
15 USC 1681C-2 ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are 100 percent a scam.
Product: Credit reporting

Transunion fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( nationstar ) old outdated information from over 10 years ago I have not received one update or letter or email from them
Product: Credit reporting, credit repair services, or other personal consumer reports

On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. XXXX Experian and XXXX have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.
Product: Mortgage

In mid XXXX of 2020 I contacted the " special loans '' dept. of my Mortgage servicing company ( Dovenmuehle ) and I spoke to " XXXX '' regarding a one time " recast '' request in order to lower my monthly mortgage payments. 
On XXXX I received mail from Dovenmuehle dated XX/XX/2020stating that if I were to wire them {$130000.00} plus a {$300.00} fee my monthly mortgage payments going forward would be reduced from {$2300.00} to {$1500.00}. On XXXX I requested my credit union ( XXXX ) to wire Dovenmuehle {$130000.00}. Unfortunately, XXXX made a clerical error and wired {$150000.00} instead. 
When I received my XXXX mortgage statement I noticed that my monthly mortgage payment still remained at {$2300.00} and the {$150000.00} payment went to reduce my principal. 
I contacted my credit union and they acknowledged their error and suggested that I contact Dovenmuehle and claw back the difference. I contacted " XXXX '' again ( not an easy feat ) and she stated they would fix my issue within days. When I did not hear back from " XXXX '' I contacted my credit union and a senior officer " a problem solver '' conducted a 3 way phone call ( poor guy was on hold for over half an hour ) between me XXXX and him. In order to make this transaction more expedient I agreed to give Dovenmuehle the entire XXXX and not to claw back any monies wired to them in return would have a lower monthly payment of {$1400.00} communicated to me via a letter dated XX/XX/2020. 
When I went on their website to make my XXXX payment I was not able to do so as it required that I pay the original {$2300.00} I made several calls to Dovenmuele and the reps. had no knowledge of my situation and would not transfer me to " XXXX '' or anyone else in the " special loans '' dept. 
On XXXX XXXX I received several documents from Dovenmuele which I had to get notarized and send back to them via self addressed XXXX envelope. I got the documents notarized the same day and attached my XXXX payment of {$1400.00} in a clear sealed envelope attached to the notarized documents. 
I have since gotten several debt collection calls from Dovenmuehle even though I have called several times and spoken to two seperate " supervisors ''.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX 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. I would like a full copy of my report.
Product: Credit card

I transferred a {$6700.00} balance to my Barclay XXXX credit card in XXXX, 2015. I transferred what I thought was that balance plus some ( {$6800.00} ) OUT of the account 14 days later. Now EVERY SINGLE MONTH since I 'm charged interest on that Barclay card even though I pay off my statement every month. When I called the card company, they said that even though I transferred out the amount that I transferred in, they see it as I still owe interest on that money. They said that the only way to make it go away is that I pay off my statement balance AND any transactions that occurred AFTER the closing date of that statement balance. In other words, PAY MORE than what my ending balance is every month. They have credited me back the interest so far, but I have to call them every single month to get them to do that. There is something seriously wrong with this practice and it almost seems illegal.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with XXXX, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX XXXX Account number : XXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX : Account number : XXXX, I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Remove this extremely damaging inaccurate information immediately from my credit report. 

XXXX XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

XXXX XXXX : Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from XXXX regarding the resolution of my dispute.
Product: Credit reporting or other personal consumer reports

This is my numerous request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00}
Product: Debt collection

Afne and a man XXXX keep calling about a bill i do not owe them. 
Ive asked communication to stop. it needs to stop. 
No phone calls no mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is Reporting on my credit report some Personal Information that is FDCPA Section 807 Volition and Misleading False Reporting and this Inaccurate Information I don't have clue to why this Information is on my credit report.. 


This not my Address Delete this item ASAP XXXX XXXX XXXX XXXX, MD XXXX This not my Address Delete this item ASAP XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Checking or savings account

I set up a savings account with Marcus by Goldman Sachs and deposited {$90000.00} dollars with the intent to move it into a CD. 0n XX/XX/year> I discovered my account was locked and call to have it unlocked, which they did. I then found my account locked again on XX/XX/year> and after more than an hour on the phone the agent informed me the bank was closing my account with no explanation and would send my money back but couldn't tell me how until a manager was available the next day. I called back on XX/XX/year> and spoke to another representative who said there must have been a mistake and after another hour unlocked my account. On XX/XX/year> I found my account once again locked and call the bank again on XX/XX/year> and was told the account would in fact be closed and they would mail me my check and the accrued interest. I then received a call the next day XX/XX/year> stating that they could not mail my check and I would need to have it transferred back into the account I transferred it from. I then provided the routing and account number for the TEST transfer. XX/XX/year> and the test transfer was not received and after two calls the rep told me she didn't see a transfer and would have someone call me back in 3-5 business days. At this point I feel the bank is holding my money hostage and from what I have read online this is a very common practice for them as a means to take advantage of their customers. At this point I have no access to my money which is my life savings and don't even have access to the account numbers as everything is locked.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the handling of disputes by Zelle, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which underscores significant issues with the platform. 

Despite my extensive use of Zelle and my reports of discrepancies, both my financial institution and Zelle have not conducted a thorough investigation into my claims. I was informed that the recovery of lost funds is not possible and that tracking these transactions is unfeasible. 

The findings from the CFPB suggest that Zelle has not adequately protected consumers and has permitted repeat offenders to exploit the system, thereby leaving users vulnerable to potential scams.
Product: Payday loan, title loan, or personal loan

I was approved for a loan of {$750.00}. I received an email about my loan and was told I would pay {$120.00} every payday. After my first payment of {$120.00} I was charged {$220.00} and have been paying {$220.00} every payday since then. If I wouldve known Id be paying that much each payday I wouldnt have agreed to the loan. Im paying close to {$460.00} a month and I cant afford to pay that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit bureaus XXXX, Experian, and XXXX about false inquires on my credit report impacting my credit in a negative way, however they still have not removed said inquiries and information form their reports. Ive called and sent letters and am still waiting. I want them to remove these inquiries and false information!!! XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX, XXXX on XX/XX/XXXX.
Product: Debt collection

Client Service submitted a response. Their response in insufficient. They continue to provide old credit card statements, just showing fees on top of fees. There is no transaction history. I have asked several times, for them to provide me with a signed contract, full details of every purchase on the credit card. Client Services doesn't get to choose what it sends in to verify the debt. Please refer to my previous submission for what I asked for. This is required by FCRA and FCDPA. If your going to ignore these requests I will hire an attorney to sue you back for insufficient validation.
Product: Credit card or prepaid card

I have a " Care Credit '' account with Synchrony Bank. In XX/XX/XXXX, Synchrony Bank converted the account to " Paperless Billing. '' Unlike all other financial institutions, apparently Synchrony Bank allows access to only twelve months of statements, rather than five to seven years of statements. 

On XX/XX/2019, I contacted Synchrony via " chat '' and spoke to a representative " XXXX '' who assured me that my back statements would be furnished within 24-48 hours. These statement were not, in fact, available until nine days later, on XX/XX/2019. 

It is my opinion that Synchrony Bank unfairly pushes " paperless billing '' and does not act in a responsible manner to be able to generate back statements in a timely manner in instances of loss of these " paperless statements '' that they general instead.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unknown inquiries from my credit report. 

Despite my repeated efforts to dispute these unauthorized inquiries with the credit reporting agencies, the inquiries remain on my credit report, adversely affecting my creditworthiness and financial standing. The persistence of these unknown inquiries is deeply concerning, as they suggest potential unauthorized access to my credit information. 

I have diligently followed all procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these inquiries, providing detailed explanations and supporting documentation to prove their unauthorized nature. However, the credit reporting agencies have failed to take appropriate action to remove these inquiries from my credit report. 

Given the seriousness of this matter and the potential implications for my financial security, I request that you intervene to expedite the removal of these unknown inquiries from my credit report. I urge the credit reporting agencies to conduct a thorough investigation into these inquiries and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of these unauthorized inquiries, including reimbursement for any costs incurred in disputing these inquiries and potential financial losses resulting from unauthorized access to my credit information. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.