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

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account from XXXX {$6700.00} XXXX XXXXXXXX opened XXXX, XXXX {$3300.00} # XXXX opened XXXX, XXXX {$4100.00} # XXXX opened XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} # XXXX opened XXXX, XXXX {$3700.00} XXXX XXXX opened XXXX, XXXX {$5400.00} # XXXX opened XXXX, XXXX XXXX XXXX {$8100.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX 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 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. 
What would be a fair resolution to this issue? ( demand for relief. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email tothe email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputes were not accurately investigated or resolved. 
Dispute would be removed to only re-emerge under new creditors name and as a new collection account. 
Personal information like my name, addresses, phone numbers, jobs, is always inaccurate or changes, always in accurate I am a victim of identity theft and I was told that the identity protection insurance that I paid for every month in my plan that I was not eligible and kept putting me on hold bouncing me around with no help.
Product: Debt collection

I 've sent this company multiple letters ( certified ) asking for proof of validation of this dept. they refuse to respond with actual proof the dates of the letters are below. 

XXXX the dates are as follows letter sent onXX/XX/XXXX received by them : at XXXX am onXX/XX/XXXX in XXXX, CA XXXX letter sent XX/XX/XXXX received by them : XXXX am on XX/XX/XXXX in XXXX, CA XXXX. 

letter sentXX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX. 

XX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX **** I have asked multiple times for proof ( signature validation ) this is my debt.. I 'm running out of patience on this. and am considering filing a civil suit next if this does not work.. I have no idea who these people are or why they are ignoring my requests but its getting old..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ;
Product: Credit card

Lowes store uses Synchrony Bank as their store credit card offering extending time to pay or a 5 % at purchase discount. I've used the Lowes card sporadically for purchases at the store when there is a need so I do not receive communication from them often or a monthly bill. I pay my bill in full whenever I use them. It appears that earlier this year they started charging a {$1.00} paper billing fee. I am not sure how this is even LEGAL b/c I'm sure there continues to be older Americans who must pay this JUNK fee b/c they do not like to conduct their finances online. I received no notification that they would be charging this paper billing fee- upon discovery that they were charging this fee, they removed one month but refused to 'go back ' and remove previous months. 

While I admit it that I didn't notice it's appearance on my XXXX, XXXX and XXXX bills ( I received a total of XXXX bills from them this year ), I did just recently notice on a XXXX statement since I had expected no charges and was surprised to receive the bill. 

They waived one months fee, but not the previous months. This is a very bad business practice and exactly the type of JUNK fees that credit card companies try to get away with. They claimed the notice was sent out in XXXX but I received no such notice. 

What is also odd is that this very same bank did use different methods to notify that they were charging a fee for paper statements for the TJX credit card that I have from them as well. I immediately changed to online statements when I received that notice - so I know they know what they need to do to notify people properly but did not in this case. 

I also think it is absolutely ridiculous though that a company can charge you a fee for sending you a piece of mail when it should be part of their normal business operations. I can not imagine how many more late fees, missed payments etc this will lead to for people as notices do not arrive to their email, go to the spam folders etc - all of it is a SCAM to get more JUNK fees from people. 

Synchrony Bank is engaging in bad business practices that will lead to more fees for unassuming Americans who do not have the time to chase after their bills each month.
Product: Mortgage

As of XX/XX/XXXX, the issues with loss mitigation are still ongoing. I have been requesting a hardship mitigation ( pause on payments / forbearance ) since XXXX of this year. The fire / total loss on my property happened on XX/XX/XXXX this year. 
The loss mitigation department is mishandling my documents and requesting redundant documents again and again. There has been so much paperwork piling up from my document submissions that no one knows where to start when I call to check on my file. 
" Consecutive bank statements '' for XXXX account XXXX were requested on XX/XX/XXXX when more they had previously been submitted. I resubmitted them. Now three previous consecutive bank statements for XXXX XXXX account XXXX are being requested ( at least six months have already been submitted ). Amerisave is also requesting a lease renewal on a rental property that does not exist ( XXXX XXXX XXXX ). I have explained several times with these leases that they automatically renew - this is at least the third time I have been asked for a lease renewal on a property that does not exist / auto-renews. I am now being asked to resubmit the original application itself for at least the third time ( some arbitrary correction on page XXXX and XXXX this time ). This document was completed several months ago and multiple corrections on this same document have been asked for already. Amerisave arbitrarily states that " incomplete documents '' have been submitted by me as their reasoning for the constant delays and inaction ( see previous complaint ) when the loss mitigation department is in fact constantly mishandling and misreading the documents that I send in. I have asked repeatedly to speak with XXXX XXXX, the apparent supervisor working on this and I have never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

my business account with XXXX XXXX was compromised and my account was changed to a fraudulent and the card was closed almost a year ago, now axp is reporting the fraudulent charges on my personal profile. i have sent in very much proof of the fraudulent unauthorize charges, they have collection for {$33000.00} on my credit report, i do not owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting Act XXXX, Transunion, XXXX has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report 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 and phone XXXX XXXX
Product: Credit card or prepaid card

Citibank closed my credit card of 5 years without any warning or reason. I have never had a late payment on the card and ensured it was properly managed. This adversely affected my credit score since it was the only credit card I had and wiped out my entire credit history. I am trying to recover on the shock on my credit score. 
On a separate note, I got a mail that they'll be closing my checking and savings accounts but nothing on my credit card, for no reason! However, while inquiring from one of the branches, I was told it could be because I have family in XXXX which is a high-risk country. I was also told my bank contract has a clause that the company can close my accounts without any credible reason. However, discrimination should not be allowed on any level. This is a big discrimination, as I have this account since my student days and when I got a full time job. On no occasion, did they give me a credible reason why they would closed my checking/savings accounts and did not have the courtesy to warn me before closing my credit card.
Product: Debt collection

I contacted XXXX XXXX XXXX on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my home mortgage with another lender and closed on XX/XX/XXXX. The mortgage to be paid off was with Freedom Mortgage. The disbursement date was XX/XX/XXXX. Around the same time, the servicing of the Freedom Mortgage mortgage was transferred to XXXX XXXX. Freedom Mortgage was paid in full ( {$340000.00} ) as part of my refinance but the funds were never transferred to XXXX XXXX to close out my mortgage with Freedom. I am now receiving late notices from XXXX XXXX due to the fact that Freedom did not close out the loan nor transfer payment to XXXX XXXX to close out the loan. I have called Freedom Mortgage repeatedly ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I have also faxed a copy to Freedom Mortgage of the wiring info showing payoff payment information ( copy attached ). I have spoken with XXXX XXXX and they still show my loan as open with them. Freedom Mortgage has been uncooperative with no direct phone number or email address to assist in resolving this matter. I continue to contact Freedom Mortgage on a daily basis and I am constantly placed on hold with no resolution.
Product: Credit reporting or other personal consumer reports

found out Experian, XXXX XXXX and XXXX are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX debt collector XXXX XXXX XXXX referencing XXXX number XXXX is reporting on my XXXX and Experian. I've disputed with the company on XX/XX/year> on violation of communication when I sent a cease and desist letter that was mailed out, previously disputed XX/XX/year> debt validation of debt and never got a respond from debt collector, I've noticed on the NMLS that they are not registered to collect on this alleged debt. I've never got proper notification XXXX days prior debt was put on my report. My next steps will seek arbitration from credit bureaus, if this don't get resolve promptly. Has XXXX notified that this account is being disputed?
Product: Checking or savings account

On XX/XX/XXXX I submitted a request with Chase bank through my checking to have them pay {$2200.00} to my mortgage company, XXXX XXXXe. On XX/XX/XXXX Chase bank gave notice the check was sent. However, XXXX XXXX never received the money. They sent me a late fee of {$71.00}. I went into the Chase branch on XX/XX/XXXX to complain about the lack of service. Chase bank started an investigation ( Case # XXXX ) It is now XX/XX/XXXX. Chase bank has failed to return my money even after I was told by a woman named XXXX who is in charge of my case that the money would be delivered within 2-5 business days. That was on nearly 2 weeks ago. I called again today and she was out to lunch at XXXX. 
It is very close to Christmas and I am now suffering financial hardship because of this Banks blatant disregard and willful negligence to recover my money. They have had this money {$2200.00} for nearly 2 months now without any recourse on my part to be able to pay my mortgage and take control of my finances. To add insult to injury, they have charged me overdraft fees due to insufficient funds into my account. 
I am a veteran and fought for this country. We, the XXXX people bailed this bank out with our own tax dollars and this Bank has treated me and others with financial impunity. Shame on this bank and it 's greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called Equifax credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XXXX report. ( Bankruptcy dischargedXXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that XXXX is the most professional to speak with of the XXXX, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, VALLY NTL BK/XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

Fraudulent and Unauthorized card Transaction : On Saturday XX/XX/2021 I received a text message from Bank of America at XXXX  AM which isn't unusual. The text stated that my card was temporarily suspended and needed further verification to continue. I clicked on the link to verify my identity. The link took me to a website that mirrored Bank of America 's mobile online banking. I found nothing to be suspicious. After filling out the information, the website let me know verification could take up to 72 hours and to be on the lookout for follow up communication. I continued with my day as normal. I received the exact same text from the same number at XXXX PM. I found this to be strange because I was told that I had filled out the information. I panicked and walked to the nearest Bank of America to find out that my account had been wiped from an online external transfer. The perpetrator had used my information to hack into my Bank of America and my XXXX XXXX bank account. I received a fraud alert text message from XXXX XXXX that Saturday XX/XX/XXXX at XXXX AM, following a series of online purchases. And another fraud alert on Friday XX/XX/2021. Both of these fraud alert transactions were for billings outside of California. I have attached a copy of the text threads about fraudulent activity on my account. The text includes a link of the mimicking BOA website. Bank of America has denied my claim because the evidence shows that the information provided was correct and someone managed to log on and make an external transfer. However, someone used my information illegally. I have proof that the only withdrawals from this account have been ATM withdrawals until Saturday XX/XX/XXXX, when a cyber thief took all of my money and made an external transfer online because they are not me and wouldn't have been able to withdraw the money in person. XXXX XXXX has been diligently working with me and has credited my account of everything that was taken. Bank of America has not even credited me. The total damage from Bank of America, {$3200.00} were taken. I want to solve this case and I want justice to be served. I deserve my money back. I filed a police report, and want everything to be diligently checked.
Product: Checking or savings account

I called to talk someone about money being in my account during the pandemic. I was told they placing funds due to the stimulus we were receiving. I didnt ask for these funds. They were just placing in my account. Then wind up owing them over XXXX dollars. So theyve close my account and sent it in collections. So I have to go a debt collection company. Which dropped my credit score way down. So Ill have to pay the collection agency before I can get another account. This is crazy.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Debt collection

I recieved a notice of 2 credit card balances that were paid in full with a settlement. Over a year ago 1 ) 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