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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX XXXX note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Checking or savings account

Bank of America has been charging fees after the account goes overdraft for every transaction even when is one dollar I get charge {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

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. I am filing this FTC identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my credit report FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under account number XXXX. Another student loan account opened at XXXX on XX/XX/XXXX under account number XXXX and lastly a student loan account opened at XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent open accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection / opened student loan activity related to said items cease to pursuant to my rights within the FCRA and FDCPA laws 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 XXXX 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

I have attempted to resolve this issue multiple times. The items listed below are not mine nor factual as Equifax has claimed. I was a victim of identity theft and filed a report with the FTC as a result. That report has been provided to Equifax. Equifax is claiming the items listed below are factual, they were not completed by me, but someone who stole my information. 

Again, After review of my EQUIFAX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted an affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Requested from XXXX XXXX XXXX exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTY THEFT I Have contacted Experian multiple times disputing the the accounts on the Identity theft report attached to this complaint. Experian refuse to remove fraudulent accounts and continue to report negative information on Consumer credit file.
Product: Credit reporting

I submitted a request for verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days.
Product: Credit card or prepaid card

I applied for a credit card to be used for an international trip in XX/XX/XXXX. I let the bank know I never received the credit card, it was closed and I received another card. Shortly after my trip I paid the balance off and closed the credit card the following month. XX/XX/XXXX I noticed monthly payments were taken out of my checking account ( Total amount {$570.00} ) I called and complained of fraud. They said the payments were going towards a credit card and the only one I could think of was the one I used for my international trip which I paid off in full and closed. Another major issue was that I never authorized these auto payments towards this credit card and I complained about that. I was told the balance on this card was the annual fee that was never paid and it inured interest - there were no purchases made so the balance is only annual fee and finance charges. I made the full payment and closed the card therefore there should not be an annual fee nor finance charges. The bank has made a huge mistake and making me pay for their mistake. I've had other international cards, paid them off in full and closed them. This one they failed to close when I requested it. 
Theyve sent to collections and ruined my credit history. They also did not renew my current credit card which expired XX/XX/XXXX which Ive had for many years and always paid my monthly balance in full. Ive been a loyal customer to this bank for over 20 years. This has caused me extreme stress, very upsetting and disappointed with this bank.
Product: Payday loan

They are now sending Arrest Warrant emails threatening me to pay the loan back. Yes I know I still owe the loan, but they have been very unreasonable with trying to agree on payment arrangements. Now they are sending me very threatening emails.
Product: Debt collection

XXXX and the debt collector XXXX XXXX refuse to remove an account open fraudulently having never contracted nor communicated in any form or manner with XXXX Within the past month or so a collections account appeared on my credit reports as well a few unknown addresses not associated with me nor have they been a former residence. I contacted both debt collector and XXXX reporting to them this account is not mine nor have I given permission for anyone to use my Identity. They refused to accept facts as I offered them my residential history for the past 9 years they refused to share the location of account activity and connection, as well XXXX refused to give me the dates of account creation, activity, refusing to provide proof of account holders identity saying account created over the phone sales no real proof of identity was required. Having communication of debt nor any attempt of contact in regards to viability of debt. Immoral business tactics illegal forceful collections of fraudulent account threatening manner in malicious purpose to due consumer harm. Having no contract bearing signature having no copy of Driver 's License, no copy of Social security card, no lease from landlord citing I had resided at location I've demanded and request immediate removal and compensation and penalties fines against XXXX  and MRS BPO.
Product: Debt collection

I have been fighting with a collection agency over debt from XX/XX/XXXX. The statute of limitations has been reached, twice, and they are filing another court case against me. 
The original case was filed in XX/XX/XXXXand they weren't able to collect the debt then, and now my wages are set to be garnished. I didn't even know they were going to do this. I have not had any communication with them since I last spoke with their lawyer and informed him that the file dates were beyond the statute of limitations. Now the court docket does not have any lawyer information on it, only the company that is suing me for debt that was charged off over 11 years ago. 

Collection agency : Account Brokers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed the completeness and accuracy with Transunion and XXXX and i received reinvestigation results from each of them and there were very noticeable inaccuracies. They verified these accounts as accurate when each of the companies documents are reporting very different things. 

For Transunion and XXXX the account XXXX XXXX acct # XXXX the account has multiple violations and inaccuracies. 

1. They failed to mark the account as disputed even though they said the account in dispute was verified as accurate. They Violated 15 usc 1681s-2 ( a ) ( 3 ). Transunion is knowingly reporting this account without being marked as disputed when they are not allowed to do so. 
2. The payment history from XX/XX/XXXX to XX/XX/XXXX they are reporting the account 120 days late consistently every month when XXXX is reporting the same account as 180 days late consistently in the same time period. 
3. The payment status is incorrect. Transunion is reporting the payment status on the reinvestigation results as 120 days late or past due while XXXX is reporting 180 days late or past due. 


For the other XXXX XXXX account Acct # XXXX the account was not marked as disputed from either one and is a violation of 15 usc 1681s-2 ( a ) ( 3 ). To take it a step further Transunion is reporting the last update as XX/XX/XXXX when the reinvestigation results were issued to me on XX/XX/XXXX. This shows negligence and willful non compliance. 

These obvious inaccuracies are hurting my ability to obtain credit and i demand they be removed immediately from Transunion and XXXX. 

I have Attached the Letters i sent out on XX/XX/XXXX and the reinvestigation results from each company I have also attached My identification
Product: Checking or savings account

I got a text from a number ( I usually get texts from my bank whenever I use my card ) asking if I made this recent purchase. Right before this I made an unusual purchase for me ( $ XXXX ). I didn't think anything of it because my bank is very good at securing my money. The text read " If you didn't make this purchase, click this link ''. I clicked the link provided and entered all of my information ( act #, routing #, SSN, driver 's license, etc.. ). Yes, I'm an XXXX, feel free to make fun of me. I didn't realize until after I was finished that the text came from a 10 digit number ( XXXX ). That's when I got nervous and contacted my bank, closed everything, changed all my accounts, withdrew everything, contacted XXXX and report fraud. I still need to contact Social Secruity, but have to wait because it is the weekend. I am hoping to get a new SSN.
Product: Credit reporting or other personal consumer reports

I am writing regarding the debt referenced in your recent communication, XXXX XXXX XXXX and an alleged balance of {$4500.00}. I dispute this debt and request that you cease any further contact regarding this matter. 

According to my records, the statute of limitations applicable to this alleged debt under Florida law has expired. The last payment or activity on this account occurred on or around XX/XX/year>, which exceeds the [ 4 or 5 ] -year statute of limitations for debt collection in Florida . As such, any legal action to collect this debt is barred by law.

Under the Fair Debt Collection Practices Act ( FDCPA ) and Florida state law, you are prohibited from taking any legal action to collect this time-barred debt. Additionally, any further attempts to collect this debt, including phone calls, letters, or any other form of contact, may constitute a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Im not sure who this company is nor why they are reporting to my credit Ive never done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts listed on my credit that isn't mine.
Product: Credit card

I ordered a luggage from Macys.com. I was charged under the macys credit card. The shipment was delivered to my apartment but no one was there to receive it so the shipment was sent back to the warehouse. I called Macys and reported the incident. The person I spoke with asked if I still want the item. I said yes. She said that we will have to file a new order transaction and that I have to pay for it again. At that point, i used my XXXX credit card for this transaction. She told me that as soon as their system confirmed the return of the first order, they will return the credit to my macys credit card. The second order went through. I was able to received the package and was able to pay the full amount in my XXXX card. Then macys credit card did not issue me a credit for the first shipment that was sent back to their warehouse. I kept calling their customer service and they promised that the credit will be posted in my account in 3-5 business days. But then I keep receiving letters from macys stating that as per their investigation, the package was confirmed delivery. First of all, they have a wrong order number. They used the tracking number of the order that was returned to their warehouse so I do n't know how they were able to verify the information. It was frustrating that they will not take the bill off my credit card even when all the information I provided them already stated that the shipment was returned to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account XXXX XXXX number XXXX balance {$4300.00} Accorcing to 15 USC 1681b Permissible purpose I did not authorize anyone to report this info to my report. To continue to report this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm providing more information to an address an issue with XXXX reporting XXXX accounts on my credit report. Even after the data breach that happened with XXXX somehow they still will place the wrong information on my credit report. I have the contract that isnt my name from XXXX and multiple letters. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; ( ii ) the information is, and in fact, inaccurate. THIS IS THE LAW XXXX REFUSES TO ACKNOWLEDGE THE LAW.
Product: Vehicle loan or lease

Following the recommendation of the FDIC, I am requesting your help executing a lien release for a vehicle I paid off 16 years ago. 


Unfortunately, my attempts to resolve the matter directly with the lien holder, Synchrony Bank, by both phone and mail were unsuccessful. As a result, I followed up with the FDIC, who indicated they could not assist because Synchrony Bank, which acquired the original lender GE Capital/Consumer Finance , is an open institution. 


I am hoping if I provide you with the chronology of events and relevant paperwork, you can assist. 


* XXXX : Purchased XXXX XXXX XXXX XXXX  XXXX ; financed through GE Capital/Consumer Finance XXXX XXXX : Fell behind on payments after losing job and going through nasty divorce * XXXX : Debt went into collections with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Negotiated debt of {$1800.00} was paid by check to GE Capital out of Trust set up by attorney XXXX XXXX to settle joint debts as part of divorce proceedings ; the check cleared on XX/XX/XXXX ; note the check was mistakenly made out to a XXXX more ( {$1800.00} ) * XX/XX/XXXX : Gifted scooter to a neighbor who plans to convert it to electric * XX/XX/XXXX : Requested duplicate Title from OR DMV * XX/XX/XXXX : Was informed by OR DMV that Synchrony Bank is lien holdeXXXX XX/XX/XXXX XXXX Called Synchrony Bank at XXXX to try to resolve the problem. I was told that because the debt was so old, I needed to write a letter to XXXX XXXX XXXX XXXX XXXX XXXX 


* XX/XX/XXXX : Sent letter to Synchrony Bank XXXX XXXX XXXX As of XX/XX/XXXX, I did NOT receive a response. 


* XX/XX/XXXX : After determining GE Capital/Consumer Finance was a failed bank, I sent a request for lien removal to FDIC via online form. 


* XX/XX/XXXX : FDIC informed me via email that the lien could not be removed b/c acquiring bank Synchrony Bank was still in operation. They recommended I follow up with the Consumer Financial Protection Bureau * XX/XX/XXXX : Sent email to info@consumerfinance.gov requesting assistance I realize that the documentation does not explicitly tie the debt to the scooter, but I am certain that I financed it through GE Capital. In addition, as part of my divorce proceedings in XXXX, ALL of the outstanding marital debts, outside of property mortgages, were paid off through a Trust set up by my ex-wifes attorney XXXX XXXX , funded from the sale of a jointly owned rental property. So, this debt would have been part of this sweep. 


Anything you can do to assist in this matter would be greatly appreciated. The 19-year-old scooter has little resale value, but my neighbor is a mechanical wizard and plans to convert it to an electric engine. Hed like to have the Title in his name and keep current with registration and insurance. 


THANK YOU.
Product: Debt collection

Threatening to take legal action but keeps postponing the court date. Will not take a lesser payment than what they feel is appropriate. Filed financial hardship documentation stating affordability of payment. Lack of communication with agency. Original debtor ( hospital ) is unable to contact agency. Agency refusal to work with plaintiff. Self identifies as collections agency and lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX   {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof.

{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.