23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX to open a credit XXXX without my permission Global lending services Someone tried to open about XXXX loans without my permission Ally financial Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX XXXX XXXX to open about XXXX loans without my permission Credit acceptance Someone tried to open about XXXX loans without my permission XXXX main I have more then XXXX inquiry from them XXXX XXXX XXXX XXXX tried to open about XXXX loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX AUTOS lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice Capital XXXX auto finance which is also my bank did the same thing mislead information to me
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are not mine the name XXXX XXXX XXXX XXXX XXXX are not mine addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine never lived there I have sent documents such as XXXX, BIRTH CERTIFICATE AND RENTAL AGREEMENT showing support yet the 3 credit bureaus will not remove info that is false which is giving me bad credit there's also inquiries like XXXX showing up if the acct is there why would I have them run my credit report
Product: Checking or savings account

On XX/XX/2024 my chime account was hacked. And XXXX was spent in XXXX California at store # XXXX. Then they went out to a place called XXXX XXXX  for XXXX before finally using a different card for XXXX dollars ant XXXX XXXX XXXX XXXX California. I first contacted chime less than an hour after the transactions showed pending on my account. I was told I had to wait for the transactions to clear before I could move forward with the dispute process. I filed an XXXX with the FBI and filed my disputes on XX/XX/2024. XXXX after filing my first dispute. I received XXXX emails from chime. The claim for XXXX was proven fraudulent and returned to my account. But the claim for XXXX was denied and no errors occurred. Even tho the exact same circumstances occurred. I filed my first appeal, I was told if I attached my copy of the XXXX it could help overturn my decision. I also requested the XXXX documents they used to deny my claim the first time. Not even XXXX hours has passed before I received a denial and that no errors had occurred. I called chime back and filed my second appeal. Attached information of my whereabouts at the time and a letter of reason. Only to receive another denial within XXXX hours. Chime support won't let me talk to the investigation team and have yet to receive the documents requested for them finding me at fault for the over XXXX dollars in transactions. I have proof that I was in Iowa an hour prior to the transactions being made in California.
Product: Mortgage

XXXX XXXX XXXX CEO, please notice there must be a release of mortgage doc. from land or county recorders office. Please clear title see docs and all warrants are signed and more to come ... 
Hope you understand this is very important as someone mentioned that none of these other Companies have any right to sell or post anything on my door or trespass me and title.. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX  XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ). 
As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations. 
Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Product: Credit reporting or other personal consumer reports

Heres a formal dispute letter you can use to address **Synchrony Bank** regarding incorrect delinquent reports on your credit file.

-- - **Synchrony Bank** XXXX c/o XXXX XXXX XXXX ] XXXX, fl XXXX **Subject : Urgent Dispute of Incorrect Delinquency Reports on My Account** To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my account with Synchrony Bank. Despite making my payments **in full and on time**, I have repeatedly noticed that my account has been **wrongfully marked delinquent**. I also opted to **settle the account properly**, yet these errors persist. 

This incorrect reporting is severely affecting my **livelihood**, causing undue hardship in my ability to secure financial stability. I have worked diligently to ensure my financial obligations are met, and I find it unacceptable that these errors continue to impact my credit standing. 

I am requesting that you **immediately investigate and correct** these discrepancies. Enclosed, I have included **proof of my timely payments**, which clearly show that these bills were settled **before the threshold time**. Given this evidence, I demand that all inaccurate late payments be **removed** from my credit report. 

Failure to rectify this matter promptly will leave me with no choice but to escalate my dispute to the **Consumer Financial Protection Bureau ( CFPB ) ** and other relevant authorities. I trust that you will take the necessary steps to resolve this issue swiftly and accurately. 

Please provide written confirmation of the corrections made to my credit report. If further information is needed, do not hesitate to contact me at or ** I appreciate your urgent attention to this matter. 



-- -
Product: Credit reporting or other personal consumer reports

Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a credit lab no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I missed XXXX payment and it wasn't even late yet yet they have been calling me non stop, they call XXXX  times a day even after I asked them to stop. They sent me an email stating they talked to their legal team and they are doing nothing wrong. But over received on some XXXX  calls within XXXX to XXXX XXXX  of each other, they are calling on my cell phone so everything is documented by my XXXX. On XX/XX/2024 they call at XXXX XXXX  and then again at XXXX XXXX, and this happens XXXX  some days they call me XXXX or XXXX times a XXXX. They are interrupting my work day and it's emotionally draining since I work a lot from my phone.
Product: Checking or savings account

Dates : XX/XX/2017 re : fraudulent deposit from identity theft. 

XXXX XXXX acct : Bank of America one : joint account with husband ( no longer together ) One checking account ( my own ). 
This is hurting my future and opening a bank account and my credit.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to sees Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I he me demand the following accounts be verified or removed immediately. 

XXXX XXXX  Account number XXXX Unverified account XXXX XXXX XXXX XXXX  Account number XXXX Unverified account
Product: Checking or savings account

Complaint against HSBC, NA Good morning, an Assign and Release Form between the POAs and HSBC, HSBC is to wire in the amount of {$8200.00} to mothers account which funds were fraudulently taken. When this agreement was drawn up we didnt return it right away due to taking care of mom, and finally getting her to sign the agreement which was no easy task. HSBC did not include a date for which this document was to be returned. As recently as XX/XX/2017, HSBC has requested the swift # to wire the funds again. Request from XXXX XXXX via e-mail to myself and communication with the other POA. 

We are seeking funds be credited to mothers account as stated in the agreement. We have made financial decisions contingent on these funds being sent to mother to cover expenses she is incurring at her senior facility. Every time one of us contacts HSBC, they claim the swift # was not supplied. It has been supplied. My last communication to XXXX XXXX, she was to check that the swift number was correct. It does not take weeks, days or months to verify swift numbers. 
Thank you for your time.
Product: Debt collection

Getting constant call every Sunday around XXXX PM from a robo call saying their CBE Group debt collectors. They say call XXXX XXXX XXXX, when you call that number you get answer machine that says call during the weekdays. I don't owe any debts so not sure why they are bugging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, i got a notification through my credit reporting apps that a accounts has been showing on my account. I am a victim of identity theft, I have been dealing with this for months. Some XXXX  is using my private information to obatin this auto loan, phones services and payment installments. I read in that the cfpb and the fcra protects consumers from fraud. I am a victim of identity theft and i did not make this transaction at all. Please delete these from my accounts.
Product: Credit reporting or other personal consumer reports

I tried getting my name off the credit card due to divorce settlement. Judge ordered for my ex wife to take full ownership of debt, filed a complaint within the credit bureau but they didnt remove my name and take the debt off my credit report.
Product: Credit reporting or other personal consumer reports

I have numerous unauthorized accounts on my credit reports that I didn't give consent Child support, inquiries that there is no accounts to verify connected to me trans union, Equifax, not reporting all accounts properly, Experian also aren't reporting properly improper investigation
Product: Checking or savings account

Multiple unauthorized transactions were made to my XXXX account, and I never authorized them, which led me to email XXXX to only get no response from them. I screnched every conversation to show Chase, but Chase was unable to side with me and change my claims and refill them.
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX XXXX disputing the this account I ask it to be deleted now I never opened this account my identity was stolen 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Law 15 U.S.C. 1681-1681x 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ACCOUNT NAME : XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$240.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2023 Account type Sales Contract Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid in settlement/Never late. 
Status updated XX/XX/2023 Original balance $ XXXX  Monthly payment - Last payment date XX/XX/2023 Additional info XXXX XXXX XXXX 24 Months XXXX sold - Original creditor - Comments Account paid in full for less than full balance Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
I am a veteran of the XXXX XXXX XXXX I am in the process of purchasing a home for my family and this is negatively affecting me.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting wrong information and all three credit reports have different scores and different accounts and last year I had my identity stolen Ive tried to resolve these issues Ive disputed multiple times and asked to validate the debt and havent received one single piece of mail.also I was in the Experian data breach and I request that all accounts be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, after receiving notice of another data breach, I tried to contact TransUnion to freeze my credit account at the number provided on the 'notice of data breach ' I received from XXXX XXXXXXXX XXXX XXXX XXXX I called TranUnion Security freeze ( XXXX ) but could only get sales pitches for a " XXXX XXXX XXXX XXXX '' from a recording calling herself 'XXXX  XXXX. After several attempts, I looked fro another number for customer service but couldn't find any on the XXXX web site. So I called a number XXXX listed as Trasunion Customer Service ( XXXX ). The recording said I had reached TransUnion and required my most private information to go forward. Sounded legit. Eventually a woman w an XXXX sounding accent came on the phone, but after asking " How can I help you? '' she could not apparently hear me. I checked this number on the web and it is not listed as TranUnion but others have also called this number trying to reach TransUnion. I think this is a Phishing number that is collecting personal info from people like me that are just trying to reach TransUnion but can not get anything but sales pitches from recordings. Thanks to Tranunion my information is further breached!!!
Product: Debt collection

In XXXX I had to move from XXXX XXXX XXXX in XXXX XXXX  because the apartment community decided to dig up the parking lot to begin building another apartment building slated for opening in XX/XX/XXXX. Because of this inconvenience I had to move out because I am a single woman and can not risk my safety by parking in a lot 5 or more blocks from the apartment community. Instead of them allowing the move with no fees owed due to this huge inconvenience, there has been a debt owed of {$3700.00}. I disputed this debt in XX/XX/XXXX with the XXXX because it is unfair and unreasonable my rent was $ XXXX monthly. I am unable to move to an affordable location because of this. So how can they expect me to pay them? As a result of my request In XX/XX/XXXX, this company removed the collections off of XXXX and XXXX  credit reports but not XXXX. I then made another complaint. XXXX  of XXXX, XXXX  has all correspondence. I am filing this complaint again on XX/XX/XXXX because this company added the collections back on my credit. So illegal and unfortunate because I am trying to move.
Product: Credit reporting or other personal consumer reports

I previously had an account with State Employee Credit Union. the account was charged of as bad debt. however no 1099c was ever provided to me and the account is listed don my credit report as charge off 14 months in a row a charge off only happens once and the balance should have been zeroed out when it was sen to that recollection company that they sent it to to collect on me who then threatened to take me to court and garnish my wages for the debt that is already being inaccurately reported, please delete as the company is committing fraud by showing it was a charge off and showing it still has a balance and showing charge of XXXX times.
Product: Credit card or prepaid card

At  Wells Fargo , I continually set up autopay to transfer payments from my personal checking to the  Wells Fargo  account. However, their online statement ( response ) after setting up autopay is that it takes several months for it to be invoked. During this period, they will call you and say that your payment did n't successfully work, and that you need to manually pay along with a late fee of {$37.00}. Therefore, every month they do this.      Wells Fargo als o states that the wrong account codes were used when setting up autopay, so they purposely setup the customer to pay late fees.     My guess is that  Wells Fargo  managers ( a ) instruct their staff to charge late fees no matter what, and also have setup their IT system to create transfer errors, due to the recent loss of capital from the class action suit over bad practice in mortgage accounting.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXX - XXXX ] Date Listed : [ XXXX XXXX XXXX ] This account is inaccurately reporting a balance despite being charged off. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, Event Code 7 defines a discharge of indebtedness as occurring due to a decision by the creditor to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, it indicates the debt has been canceled, making the continued reporting of a balance both inaccurate and misleading.

I formally request : Provision of the 1099-C Form : If issued, provide a copy to verify the debt cancellation and identifiable event.

Verification of the Balance : Provide documentation showing the accuracy and collectibility of the reported balance.

Deletion of the Account : If the debt has been discharged or can not be verified, this negative information must be removed from my credit report immediately.

Issuance of the Vehicles Title ( Pink Slip ) : Since the account has been charged off, I request that the vehicles title ( pink slip ) be released to me, as the debt has been effectively discharged under the law. 

Attached, you will find supporting documents for my dispute, including [ list of attachments, such as the highlighted credit report and any relevant correspondence ]. 

I expect your response within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act. Failure to address these issues adequately will necessitate further action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Student loan

My loans are with Navient. In XX/XX/XXXX I was " approved '' for a forbearance that I did not even apply for. The next month my payments went up by over 100 % and was told I had to pay it or be in default. Then they told me I had to reapply for the Income Based Repayment Plan ( which they never communicated with me in the first place ). I have now completed all the paper work for this plan. My primary concern is the forbearance that was given without my consent. I am not going to guess at their motives, but that seems to be something that would need my permission.