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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to remove these accounts I never opened or authorized them, Im a victim identity Theft : ( Equifax ) XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 an account without my written instructions.

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. 

These accounts has hurt my ability to obtain credit!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XXXX XXXX XXXX. After that, another company ( XXXX XXXX XXXX ) took money from my bank account. I disputed the debt and requested debt validation by certified mail within 30 days of discovery, which was accepted by XXXX XXXX XXXX on XXXX XXXX XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from XXXX XXXX XXXX with the XXXX XXXX XXXX  contract with the XXXX XXXX name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number. 
Both companies are claiming the same debt which is why I requested debt validation in the first place.
Product: Mortgage

We have purchased our second home mortgage through XXXX XXXX XXXX. This was complete XX/XX/XXXX. The loan was sold to XXXX within the month after we settled. Now we received a text from Hancock Mortgage partners llc former representative for the company XXXX XXXX ( who has left that company ) to notify us that XXXX XXXX the mortgage processor sent us emails that they need more information ( that they missed ) about our Primary home mortgage insurance coverage to calculate the debt to income ratio. We received the text Wednesday XX/XX/XXXX. We were not able to get complete clarification on why they needed more information and the email reads they will call up the note if they do not get this information by Friday. I sent an email Thursday evening hoping to fix the issue with further information on how this will affect the current loan in place. Her response email is she is now out of the office till MondayXX/XX/XXXX. I tried to call XXXX XXXX but no response to my voicemail either. 
We have paid on time. We have asked prior to settlement if anymore information was needed but it appears due diligence on the companys part was not done as they now need to calculate the debt to income ratio again. 
I feel this is unfair to the consumer as we did our part already and now it is six months later. We do not even understand why XXXX is not contacting us but Hancock Mortgage who already sold the loan.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXXl XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX is on my credit twice for the sane day XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX these companies has pulled an hard inquiry that i did not obtain, please remove from my credit report. thank you
Product: Credit card or prepaid card

Synchrony Bank closed an account of mine without any prior notification, and have negatively affected my credit. 

I have several relationships with Synchrony Bank, and have been a customer for over 10 years. I got a notification this morning from XXXX XXXX that one of my account was closed. In checking, I noticed Synchrony had closed my XXXX XXXX line of credit because it's been 3 years since I used the account. Why I am filing a complaint is because they closed this account without any prior written or verbal communication to me in that regard. When I contacted them, they informed me they would not be able to open the account again, and if I wanted a new account I would have to apply. I've had this account open for 7 years, and have never missed a payment. They just recently even increased my limit. It isn't typical that car tires are replaced but every 4 years. By them closing the account it has affected my average age of credit and lowered my credit score. If I apply for a new account, it will only further lower my credit score, this was a horrible experience, and it's extremely unprofessional. If it was a matter of me using the card then you should have sent me a notice, and I would have happily used the card to keep the account active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see that the Credit Reporting Agencies are not giving their all in order to remove the accounts from my Credit Report that resulted due to Identity Theft. The Credit Bureaus failed to comply with the FCRA regulation section 605b and continued the reporting of the Disputed Items without proper Verification despite all my efforts to inform the Credit Bureaus regarding the matter. I have been sending multiple written appeals to the Credit Bureaus asking them to remove the accounts the fraudulent accounts completely from my Credit File. On my Previous letter sent on XX/XX/XXXX, I emphasized the importance of the Fair Credit Reporting Act section 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I am a victim of Identity theft and I never received any benefits from the theft of my Identity. The Credit Bureaus can not decline to remove these accounts since I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions. I am Submitting this complaint today to remind the Credit Bureaus that they have to comply with the Federal Law FCRA section 605b and remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

A check was deposited in Bank of America and few days later they hold the money and part of that money was spent, so I called the bank and they said I lost that money
Product: Debt collection

The agency and XXXX XXXX has repeatedly spoof called my phone and my work phones. She does not identify herself as a bill collector or that the call is being recorded. She also does not mention that this is to collect a debt but rather first asks if shes speaking with me by name. 

She will also leave harassing voicemails on all phones, and in the last conversation was very harassing, unprofessional, and automatically reset the debt date.
Product: Debt collection

Hello, My name is XXXX, I have received an email twice one from XXXX and one from XXXX, which i have never request a loan to this speedycash! Please help me with this scam collecting company! They using speedycash Business logo to get money from me!! My identity has been stolen and This is not my debt and I have never get money from this place!! 
They should Stop harass me on treating me on take legal action against me! 
Thank you so much! 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXXXXXX XXXX sends me receipts and checks XXXX my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XXXX XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX XXXX and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
This account : 1. XXXX XXXXXXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to unfreeze my credit with all three credit services in order to refinance my mortgage. This is a time sensitive process and all three companies promote easy web based freeze and unfreeze procedures. 

However when I try to login to Experian website they do not recognize my login credentials.I suspect they deleted mine and many others credentials in response to security breaches. 

When I follow their procedure for 'forgot username ' they do not recognize my email address so will not send me my my username. When I follow their procedure to resolve this they ask for my social security number and date of birth. When I enter these they say they don't match their records. Good grief, I think I know what these are!!!!! Tried multiple times and there is zero chance I entered them wrong. 

So there is no way to unfreeze my credit online or access my Experian account. 

I called Experian at XXXX I followed the voice response unit instructions to unfreeze my credit entering SSN, PIN, start and stop dates etc but this does not result in unfreezing credit report ... .it only gets you to instructions on how to unfreeze by mail or website. I already tried there website and the mail is not an acceptable solution ... .this process is time sensitive. 

Experian provides no opportunity to speak to a representative to resolve their website login issues and therefore their claim that the consumer can freeze and unfreeze credit reporting easily is false. I tried to resolve this with them on XX/XX/XXXX and XX/XX/XXXX without success.
Product: Debt collection

XXXX XXXX kept poor account records, double billed for procedures, failed to submit insurance claims fully, in a timely manner, or at all, and engaged in questionable billing practices. I notified XXXX XXXX that I was moving to another state and they settled my account. A year after the move, XXXX XXXX called about a past due amount. After discussion on two separate calls, the account was again cleared as settled. After nearly a year, XXXX XXXX submitted a claim, without notice, to Capital Accounts for collections on the debt it had already stated was cleared. 

I immediately disputed the debt with Capital Accounts. Capital Accounts failed to immediately provide alleged evidence of any debt. When it finally did so, the information it provided did not clearly show an accounting of each transaction. Without critical analysis of the account statement provided by XXXX XXXX XXXX office, Capital Accounts validated the debt. However, after a critical analysis of the debt ( attached to this complaint ), the account record provided by XXXX XXXX XXXX office shows a number of accounting errors and inconsistencies, and questionable practices that refute the existence of any debt at all.
Product: Credit card

There is a capital one venture credit card inquiry application that I never applied for.
Product: Student loan

We are making more than the minimum payment so the loan can be paid off. I asked specifically for the extra money to be placed on the principle, but they refuse. Even though we are making extra payments every month, our next payment due date is in 2025. 
They refuse to put the extra money on the principle. 
I asked for a payoff amount and they wo n't give me one, because of the problem with the interest on money that is projected out to 2025. 
They wo n't allow me to make separate payments on the two loans. I have to pay one amount and they decide how it is allocated.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed each credit bureau ( Equifax, XXXX, and XXXX ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a 2nd letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from XXXX stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.
Product: Debt collection

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : FIRST FEDERAL CREDIT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 2 Macys Credit cards on my account that were paid and close on XXXX. However Macy 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage through a lender after significant research. Yesterday alone, my husband and I received 144 unsolicited cold calls from various mortgage lenders as a result of Equifax and/or other credit agencies selling our personal information. I can not believe this is legal and that these " Big 3 '' who have a monopoly on the entire industry make billions of dollars a year by selling private information when consumers have no choice but to have their credit report pulled from these companies.
Product: Checking or savings account

I was advised when I filed this initially im XXXX, That a fair and rational investigation would be done regarding a blatant and fraudulent charge for {$610.00} on my Citi bank account. Well that's not the case, as Citibank, XXXX store, and XXXX itself have all denied the claim that I filed for this charge from XXXX. I have a police report, granted the police did nothing but I still have one ... they never asked for that, they went by 3 pieces of paper from XXXX that show that I bought a XXXX XXXX XXXX phone online using my mobile wallet purchase without a pin number being used, sent the phone to a different address over an hour away from my address in XXXX to XXXX Oklahoma. This person clearly ripped me off. I do not live anywhere near XXXX in fact, you can look up the address and it's listed to a completely different person... not me. 

I would like a formal investigation to be continued, and the provisional credit reversed back into my account. No one on the phone or the fraud department will even respond to me and I'm in the negative in my account through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a follow up today to inform the XXXX, Equifax and XXXX XXXX of the urgency of this matter. I already submitted a report to the XXXX XXXX XXXX and Per FCRA section 605b Credit Reporting Agencies are obliged to remove any items listed on an id theft report. Please refer to the attached documents to assist in the removing of the erroneous information which is being posted to my report. Once more, here is the list of items which I need the 3 Credit Bureaus to remove from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX. ) XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I had 4 charges to my XXXX XXXX Citi card that I did not make. All charges were made at stores in the other side of the country as well. One was a charge from XXXX for {$250.00}. The other 3 were from XXXX in Ohio for {$300.00}. I went through the Citi fraud process and they will not issue a credit to my account. I have followed all necessary steps to request information on how to resolve this but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently went to open a bank account and found out that an account has been opened in my name and ssn # in another state. I live in Arizona but the account was opened in Connecticut. So i pulled my credit report and found over XXXX inquires that are fradulent and are not mine and I am requesting for all these items be removed from my credit report. 
XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THE POLICE AND HAVE A CURRENT POLICE REPORT AND ALSO HAVE CONTACTED " ALL '' CREDITORS AND BUSINESS ABOUT THE INQUIRIES AND NO ONE WILL HELP REMOVE THESE INQUIRES WHICH WERE DONE WITHOUT MY PERMISSION AND FRADULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.