23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. 

I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to XXXX . Appointments and handle the mail and bills. 
I have my own separate bank accounts. He had his. 

However, XXXX XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. 
To my surprise I started getting bills from different credit card companies in my name. 

I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. 



Most recent I received new credit cards showing my name with a second card showing his name. 

In the more than 40 years that I intrusted him I would have never imagined him doing this. 

I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. 
XXXX : ( an:XXXX ) XX/XX/XXXX Spoke to Mr. XXXX advised of the ID theft. He advised to complete and return a fraud form which he mailed. 

XX/XX/XXXX returned fraud form. 

XX/XX/XXXX called for status since nothing was received. Spoke to Ms. XXXX who advised that allegation was denied. I advised her that documentation was sent to which she said was not received. She said to fax them the documentation. Severl attempts were made, and their fax machine was not accepting infor. So, it was mailed with tracking number : XXXX. Which was received on XX/XX/XXXX at XXXX At the end of XX/XX/XXXX a letter was received dated XX/XX/XXXX advising that they are not approving the fraud allegation request since according to them 1 ) customer benefited from use of card/participated in the purchases 2 ) customer released account information to a third party. 

This is ID theft, permission nor authorization was never given at anytime to obtain this nor any other credit cards. 
I do not know what was done/transacted with this and all the other accounts that were opened in my name. I surely did not benefit from anything. 

This was done without knowledge nor consent.
Product: Money transfer, virtual currency, or money service

Scammed by a fraudulent seller on XXXX today XX/XX/2022 for XXXX. Scammer persuaded me to XXXX send {$500.00} through XXXX app, partnered with Chase. Both Chase and XXXX refuse to refund the money and do not protect their customers against scams!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from 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 XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX You applied for a credit card on XX/XX/2023 I received the above information via email from XXXX bank and XXXX XX/XX/2023. I did not authorize the credit card application and the address used was an old address ( XXXX  XXXX XXXX, XXXX, OH- I have not lived in Ohio for 7 years ) XXXX  XXXX XXXX that someone used my name, DOB XXXX and SS # to apply for a credit card. It is now noted as fraudulent. I froze XXXX and reported fraud to Equifax and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I have contacted the creditor SYNCHRONY BANK in XX/XX/XXXX. 

I noticed that the account information between XXXX, XXXX, XXXX  DOES NOT MATCH. 

This account is under XXXX XXXX XXXX SYNCB/CARECR XXXX which is reporting erroneous, inconsistent, unverifable account information. 

The date opened, date closed, date of last activity, credit limit, date of first delinquency. 

I sent a letter directly to the Synchrony Bank which was delivered on XX/XX/XXXX by certified mail and they have not responded in 30 days as required by the FCRA and they did not update the account as disputed AS THEY ARE REQUIRED. 

I also sent a letter directly to the XXXX to conduct an investigation which I also did not receive a response which was delivered on XX/XX/XXXX. TODAY IS XX/XX/XXXX. 

This account should be removed NOW and all reporting should cease immediately. 

The Creditor is aware that the account fields of METRO2 is their industry standard and require MAXIMUM POSSIBLE ACCURACY given the criticalness of the automatic underwriting process WHICH ALL lenders use to provide me lines of a credit, a vehicle loan and a mortgage. 

Thank you Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

In 2011 we attempted to refinance through our local bank. We wanted to refinance because our mortgage, through Ocwen Loan Servicing, is prohibitively high at nearly {$7500.00} per month. We had an appraisal done and had the new mortgage loan all set up. But the day before all legal papers were to be signed, Ocwen Loan Servicing contacted our bank and our local XXXX XXXX XXXX to say that Ocwen would only let us out of the mortgage obligation if we paid the entire remaining mortgage PLUS a $ XXXXXXXXprepayment penalty! Everyone at our bank and at XXXX XXXX were shocked and said none of them had ever heard of such a situation and it certainly sounded like predatory lending. We knew nothing to do about this situation until the recent XXXX XXXX article on the Bureau of Consumer Financial Protection. We have continued to pay this monthly mortgage fee so we do not lose our home and business. It is difficult and discouraging, especially since interest rates have dropped so much, but we are still stuck at 9.75 %. We have tried asking Ocwen to let us refinance at a lower rate, but they have ignored us. Our local bank is still offering to refinance us at a much better rate, but we can only do so if we are able to get out of this prepayment penalty obligation with Ocwen. Please see if you can help us.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT
Product: Checking or savings account

I was charged {$86.00} dollars from fraudulent transactions on XX/XX/year>. I was off work that day. I was at home. It was the day of the network outage around the world ( XXXX ). Systems were down, so a lot of things could have happened with those transactions. The transactions that I reported were made in the cafeteria where I work. That is why, there is no way I made those transactions. I was not the only person affected ; several of my coworkers had the same issue. The only proof I have is my working schedule that I always keep for work purposes. Chase didn't believe my story and they said that my card was physically used along with the pin number.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I sent a letter to Southwest Credit Systems and disputed the item with XXXX on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.
Product: Checking or savings account

I reached out to Regions Bank to pay off an old and to open a new account. I was told that would be a problem except for the branch had 10mins until close. They stated the process and I email a form and they stated they would do everything a head of coming back in to finish the process the next morning. I came back in and we fished what process we had started and then was denied. I was then givin a number to call and they stated it was a normal process to call and then I would be able to finish. Well I did and called back and now there is no asnwer. 

Regions Banks dont want to help you. 

Good to Bad Customer Service Unacceptable & Unprofessional Business behaviors
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation of Charge-Off Accounts Dear Equifax Dispute Team, I am writing to formally request a reinvestigation of three charge-off accounts that were recently reviewed in a previous investigation. I disagree with the results, as I believe they contain inaccuracies, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request a comprehensive reinvestigation. 

Under the FCRA, specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I believe these charge-offs meet these criteria. Thus, I am requesting that XXXX : Reverify the accuracy of these charge-offs, ensuring all relevant documents and data from the original creditors are thoroughly reviewed. 
Provide me with all documentation from the furnishers verifying the legitimacy of these charges and their accuracy. 
Remove or correct these charge-off entries if they are found to be inaccurate or unsubstantiated in the reinvestigation process. 
Please consider this a formal reinvestigation request, and I would appreciate a response within the timeframe stipulated under the FCRA. I trust that XXXX will follow the due process in accordance with FCRA guidelines and ensure that my consumer rights are fully upheld. 

Thank you for your attention to this matter. Please reach out to me directly if you need additional information to facilitate this reinvestigation. 
ps : i have attach all the accounts below ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with an account not belonging to me on my credit with we financial. I informed all three bureaus along with the original creditor. The original creditor agreed to remove accounts hints the letter Ive attached. XXXX and XXXX have removed account. However, Experian validated this account and has yet to remove it. I previously sent a complaint to the cfpb and for whatever they said they couldnt verify me. So Im submitting my Complaint AGAIN along with proof of deletions with this account
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunions violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address a fraudulent account ( XXXX XXXX XX/XX/XXXX, under account number XXXX ) on my credit report despite my proper notification and submission of required documentation. 

On [ XX/XX/XXXX ] Complaint Number # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Transunion with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and The " VERIFIED '' fraudulent account consist of a credit card account opened at XXXX XXXX  in XX/XX/XXXX under account number XXXX Despite this, XXXX failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. XXXX 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings. 

Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. XXXX 's refusal to comply with this requirement constitutes a direct violation of federal law. 

Transunion failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

Transunions inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, XXXX failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit card

I updated my email through the Kohls website and they were not sending me my statements. It appears they have charged my account over XXXX dollars in late fees, and did not notify me they had not been receiving my payments on time. I had no way to determine they were not receiving them onetime since the statements did not come to me. and the payments are automatically withdrawn from my checking account each month. I asked if they would assist me and they said NO. I want some assistance in having these fees removed/reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to medical debt collections by Meade & Associates, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and XXXX days later to get the amount updated on my credit report, however, despite receiving full payment Mead and Associates refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what Meade and Associates have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on Meade and Associates website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with XXXX showing the false validation provided by Meade. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2022, I was approved for a loan with Quickcredit ( aka XXXX ) for {$900.00} The total cost of this loan was well over $ XXXX dolllars. Despite making payments faithfully from XXXX to XXXX, I noticed the balance kept growing. In that time, I had to stave off the ever growing balance by refinancing and extending numerous times. 

This is an extortion. The company has made enough $ on fees, late fees, origination costs, ungodly interest. I as going nowhere quickly and had to stop. 

Im not a bad person, but this was a vicious cycle that sucked me in.
Product: Credit card or prepaid card

I talked with several Barclay representatives. The last one, XXXX, explained to me they made a sole discretion to recharge me for a portion of disputes from many months back. This card has been a headache with these disputes. It shows a huge credit amount but they billed me again for almost XXXX.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

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

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.