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

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have repor
ted these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1.XXXX XXXX acct. # XXXX bal. {$13000.00}
Product: Credit card or prepaid card

This was a corporate account for a company I had only worked for and had not worked for them since XXXX. They and I have went to court and all accounts were dismissed, I never was an officer, I never filled out an application, I never had access to a bill or made a payment. It was provided by the company. And against n it was dismissed in court as fraud which I have the documents for. They continue to harass me by phone and email and will not take it off my credit report. Even after judge in 17 th judicial court said it was dismissed! Please help my credit has always Been in the 820s up until this fraud! It needs to be removed! The company I was employed by was XXXX XXXX XXXX! There was a president and share holders which I never was one of them. I lived next door. The bills never were sent to me or were ever paid by me or addressed to me until it was in collections! Court dismissed as fraud!
Product: Student loan

I took out {$49000.00} dollars in loans ( direct subsidized and unsubsidized ). I have fought with Navient to allocate my payments to ONLY the unsibsidized loans so I dont gain interest while I am in school and they keep applying evenly. This has led me to gain over 10,000 in interest plus all the money I paid to try to keep my loans at how much i took them out at.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is both distressing and unacceptable that the information listed below has found its way into my credit profile, indicating a failure on your part to maintain reasonable procedures ensuring the utmost accuracy in the credit reports you disseminate. Credit reporting laws explicitly mandate that credit bureaus report only 100 % accurate credit information. I must insist that you take immediate and thorough measures to rectify this egregious error, as every effort must be exerted to guarantee that the information you report is entirely accurate and correct. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}. The presence of this inaccurately reported item is not only misleading but also a grave violation of credit reporting standards. I insist on the swift deletion of this erroneous information. Furthermore, I demand that you supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, provide the name, address, and telephone number of each credit grantor or other subscriber. I was the victim here & im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.
Product: Credit reporting or other personal consumer reports

I applied for credit with Sycroney Bank. The ad said it would only be a soft pull. 
When I pulled my credit report it show 's under hard inquiries. I have tried to contact them, which is almost impossible. When I finally got through, I gave them the date XXXX, and they pulled a list by my phone number and asked me what I applied for. I don't remember but he then informed me that they have over 300 financial products and that they showed nothing in there system that I applied to. Yet, I still have a hard inquiry from them on that date. I have contacted all credit bureaus. They refuse to report this correctly and it's impacting my score. I am getting ready to apply for a mortgage. I need help getting this resolved with them. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to credit bureaus and have not receive a response from any of them. I sent a letter on XX/XX/XXXX and XX/XX/XXXX. Received no letters in the mail or email. It has been XXXX months so far. There are not following the rules. They have 30 days to respond. I want these items removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion credit bureau have about 4 hard inquiries and about 15 soft besides anything from XXXX XXXX XXXX witch is my doing but all others listed that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my ssc inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me
Product: Credit reporting or other personal consumer reports

Tred to dispute things on credit report credit scores other services thing were all wrong
Product: Money transfer, virtual currency, or money service

On Sat. XX/XX/XXXX, {$600.00} was withdrawn from my checking account. At around the time of the withdrawal ( between XXXX pm and midnight ET ), I was at a concert in downtown Washington. My home computer was left on and running -- I do not know if someone had access to it while I was away, but it could be the case. When I was at the concert, I did temporarily offer someone my phone so she could allegedly call her mom to pick her up. I do not know if that is when the transaction happened, but it could be. 

On XXXX XXXXXX/XX/XXXX, I noticed the transaction in my records and knew it was fraudulent. I called Chase Bank to notify them of the unauthorized transaction. My passwords were changed and I was told that I would be given a final update on the case within XXXX to XXXX days. A temporary deposit of {$600.00} in credit was given to my account then. I requested information on the IP address and the name of the account that took money from my account. XXXX told me that they would mail me a physical report and to expect it in my mailbox within XXXX to XXXX  days. I did NOT receive this correspondence, but I noticed in my latest bank statement that XXXX had withdrawn the temporary deposit with no explanation given. 

On XXXX XX/XX/XXXX, I called XXXX to file a police report. The police officially filed the report as an unauthorized transaction on XXXX XX/XX/XXXX. I have attached the police report.
Product: Credit card

Elan Credit Card was issued through a bank I have other accounts with. This bank merged with another bank and the automatic bill payment that I had setup did not process on time. I received a late fee and called Elan to explain to have resolved. The representative told me no problem you have never been late and we will refund. I explained, I can get the amount credited by Bill Pay as I have proof that it was Bill Pays error, not mine. She said not to worry and I left it at that. the next month, the new bank that has the Bill Pay who told me it would be setup did not make the payment again and I have another, higher late fee. Also, received a letter in the mail that my credit line is cut in half. I called Elan to explain that the first time was not my fault and if I had been told that not fighting to have Bill Pay held accountable that it would effect me in this way then I would have done so. I asked what I could do to get this corrected now. They told me I would have to ask for a credit line increase. Really! You just lowered my credit score because you cut my credit line in half and want me to let you run my credit report. No way! They told me there was no other way. I will pay the remainder of the existing balance and cancel this card. No way I should be inconvenienced for what was not my error and they should restore things to where they were before. I also had received a letter in the mail asking me to upgrade my card by XX/XX/2017 or they would inactivate it. Possibly the reason they lowered my credit line is because I did not respond to their offer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a call from XXXX rep after I placed a complaint with FCC regarding improper billing due to me closing the account. And they didn't close my account on time resulting in XXXX dollars charge. I paid it over the phone even though I didn't agree with that charge. However now the collection agency is refusing to remove the charge from my credit report. And the charge is double on top of that. Meanwhile XXXX is refusing to give me XXXX balance statement. I need that fixed right away. I was a XXXX customer for over 15 years and never late. I feel I am being scammed. Please help.
Product: Credit card or prepaid card

I purchased a set of mattress with Rooms 2 Go XXXX synchrony bank card ) XXXX. Had a problem with mattress sinking in XXXX account was also paid off in XXXX. Rooms to Go replaced the mattress set under warranty XXXX. Paid off account was closed prior to me filing bankruptcy in XXXX by synchrony at which time I had a zero balance did not owe anything. Again during XX/XX/XXXX during pandemic mattress set began to sink again. I contacted Rooms 2 Go, they sent a tech out to examine XX/XX/XXXX, XXXX it was determined the mattress could be replaced under warranty. i chose to choose a different mattress and paid by debit card for difference and received a receipt. On XX/XX/XXXX discovered an email from Synchrony stated I had missed a payment. i immediately called synchrony  and told them I had not had a card with them since XXXX and that I had a XXXX balance when they closed the card. They informed me that a charge was placed on the card XXXX the day I paid the difference for the upgrade to the warranted mattress. I immediately called the XXXX store spoke with store manager XXXX explained what happened. He reviewed the account and discovered during the transaction the clerk credited the original form of payment and then attempted to charge it back to the card that was closed. said they would correct it, called synchrony as well and neither have corrected it, I am still getting harassed and being reported to my credit report as delinquent, Manager confirmed it was a clerical error on Rooms 2 go side but it has not been fixed. which is affecting my employment search due to it reflecting negative on my credit and I am being harassed with email and letters. Getting the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several XXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX account # XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 2 It also state a consumer Reporting agency can not furnish account account without my written instructions.
Product: Credit reporting or other personal consumer reports

I Checked my Credit Report and I have been a victim of identity theft. I am requesting the immediate blocking of the fraudulent information on my credit report pursuant to 15 U.S Code 1681c-2. 

XXXX Accounts : XXXX and XXXX XXXX  Accounts : XXXX and XXXX XXXX  account : XXXX. 

I Request that you block the above referenced information from my credit report within the 4 business days as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. Inquiries
Product: Checking or savings account

Bank of America won't let me close this account, I've called 3x today asked for a supervisor repeatedly, been told endless different stories on why they can't close it, been hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION IS NOT MINES AND SOME OF THE INFORMATION IS REPORTING INCORRECTLY
Product: Credit reporting or other personal consumer reports

I have 2 loans from the Missouri Higher Education Loan listed on my XXXX report. 
I did not request these loans and they do not belong to me. 
I have opened a XXXX  complaint, left a XXXX review and tried reaching out by phone on numerous occasions and can not speak to anyone. 
I disputed the items on my credit with no response as of yet. 
MISSOURI HIGHER EDUCATION LOAN Account Number XXXX XXXX Amount {$1700.00} MISSOURI HIGHER EDUCATION LOAN Account XXXX XXXX XXXX Amount {$3000.00}
Product: Debt collection

Called repeatedly asking them to stop calling me. Each time I was told calls will stop. Calls and messages persist multiple times a day, every day.
Product: Credit card or prepaid card

Barclays Jetblue Master Card sent me a notification on XX/XX/XXXX requesting account information. they determined that they needed to collect additional information for their files. they requested a copy of my drivers lic, my social security card and an electric, gas or bank statement. They went on to say if they don't receive this information within 30 days my account will be blocked. Seven days after receiving this letter I sent the information by faxing it over to them. I faxed this information on XXXX XXXX at XXXX XXXX. There station Id no was XXXX and results were ok sent. XX/XX/XXXX I received another letter stating that my account has been blocked. I than placed a call to Barclays and was told that they never received the information that they requested. I resent the information again on XX/XX/XXXX at XXXX XXXX Again to the same station Id XXXX. 
Since Than I have been calling and spending countless hours on the phone with them. They did advise me that they have the information needed and it will take 24 to 48 hrs to unblock the account. Well, this has been going on since XX/XX/XXXX. I Tried again today XX/XX/XXXX and was told the same thing that It will take 2 days to unblock. I have done everything that they requested to no avail. At this point I am being transferred from agent to agent that does nothing. I fly JetBlue frequently and use the card for that reason Can you please help me with getting this issue resolved. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/ ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Mortgage

On XXXX XXXX, we respectfully filed a complaint with the Florida Attorney General against Bank of America for failure to abide by a stipulated agreement on XX/XX/XXXX. In exchange for a loan modification, BOA demanded that we sign a consent to judgment. What happened next will blow anyones mind. After the consent was signed, BOA failed to provide a loan modification and instead transferred the loan to fraudulent Rushmore which they tried to sale our home a few times while ignoring many mortgage assistance request. BOA entered into a consent to judgment in all 52 states including Florida for Unfair Business dealings in regards to loan modifications. BOA failed to abide by its own consent to judgment with the United Sates of America in connection with our loan. The last correspondence from BOA they indicated to have a resolution by XX/XX/XXXX. As of today XXXX XXXX, BOA not only failed to provide a resolution but also failed to answer the complaint to the Attorney General. Sanctions should would be appropriate at this juncture.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Unauthorized Access to Credit Information for ACCOUNT # XXXX Dear Portfolio Recovery, I am writing to formally notify you that I did not provide consent for your company to obtain my credit information. Your actions constitute a violation of my privacy rights and may also be indicative of identity theft. 

Please be advised that I demand you cease all actions related to this unauthorized access immediately. I require that you take the following steps : 1. **Cease all collection activities** associated with my name and personal information. 
2. **Provide written confirmation** that you have ceased all actions and will refrain from accessing my credit information in the future. 
3. **Investigate and rectify any potential misuse** of my personal information within your records. 

I am keeping a record of this correspondence and may pursue further action if this issue is not resolved promptly. I expect a written response within 15 days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo is a t it again! They have been lying to me ever since I refinanced with them 4 years ago. The most recent issue, they gave me specific instructions on how to pay off a loan. When I called today, they said that was not how mortgages are paid off and that I needed to send additional funds to a different address with a loan payoff letter. The loan has been paid and there is both money in the escrow account and extra funds that have been sent to the lender to cover all fees.
Product: Debt collection

I received a threating letter from this Debt Collection agency Fair Capital asking me to pay them {$1000.00} for a loan from another credit. The information is outdated, wrong amount owed. This Debt Collection company doesn't have the correct information and are sending me unwarranted letters to pay them money i don't owe. They have violated Debt Collection compliance laws and regulations. I have filed a complaint against Fair Capital with the FTC and state offices. I will not be bullied or harassed by this company to pay them money i don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report inXXXX XXXXXXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

on becoming aware of my consumer rights. I obtained a copy of all my credit reports. on review I've noticed numerous inaccuracies on my reports and also that my data has been breached. I reached out to all the agencies. but still haven't had my info corrected.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX  - XXXX {$5200.00} XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX - XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

My right to privacy is being violated, and I never authorized this information to be included in my credit report. As a consumer, I am aware of my rights, and they are being infringed upon by the inaccurate information reported on my credit. This not only breaches my privacy but also harms my credit score and is negatively affecting my life.