23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was briefly held by XXXX XXXX. On XX/XX/XXXX I received a letter with the date in the heading of XX/XX/XXXX which stated, " after XX/XX/XXXX, all correspondence you receive will be directly from SLS. '' I had already sent in my XXXX, XXXX payment. I confirmed with XXXX that the payment had been applied but, when I went to the SLS website to set up a login, the site I was sent to alerted me that the site was unsecured and may be attempting to fraudulently obtain my information. 
If I am going to be required to enter my SS #, as the XXXX rep stated I would, I am not going to do so through an unsecured site. I looked the number for SLS up which had a high scam alert and there are many complaints online about SLS mishandling payments. What recourse do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date of Birth : XX/XX/XXXX SS # : XXXX ( Last XXXX ) TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Greetings The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me 1. The following personal information is incorrect XXXX, XXXX, XXXX 2. The following personal information is incorrect XXXX, XXXX 3. The following personal information is incorrect XXXX, XXXX, XXXX 4. The following personal information is incorrect XXXX, XXXX 5. The following personal information is incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Please Delete these inaccurate personal identifiers from my credit report. I have provided my true correct and accurate information. I give permissible purpose for the following personal identifiers to be furnished ONLY : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : N/A Please delete any other personal identifiers. I do not wish to have any employment information be furnished on my credit report, per the FCRA I also have the right to privacy. 


Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 



With Kind Regard, XXXX XXXX XXXX ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : - Identification -Social Security Card -Utility Bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.
Product: Credit reporting or other personal consumer reports

I am writing to you today to address concerns regarding my credit report and request rectifications in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, 15 USC 1681c-1, and 15 USC 1681c-2 .

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports, I would like to assert my rights to an accurate and up-to-date credit report. The FCRA stipulates that consumer reporting agencies, like yourselves, must ensure the accuracy of the information they provide. I have reviewed my credit report, and I believe that there are inaccuracies and discrepancies that need immediate attention.

Additionally, I wish to invoke 15 USC 1681c-1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts, and 15 USC 1681c-2 - Block of information resulting from identity theft. I believe that my personal information may have been compromised, leading to fraudulent activity on my credit report. To protect my credit profile and financial well-being, I have placed fraud alerts and actively monitored my accounts for any signs of identity theft. These actions have been taken in compliance with the FCRA, and I expect your cooperation in rectifying the inaccuracies stemming from any fraudulent activities. 

Furthermore, 15 USC 1681c-2 provides me with the right to request the blocking of information resulting from identity theft. As a victim of identity theft, I hereby request that you block any information on my credit report that has resulted from this criminal activity. It is crucial to my financial stability that these discrepancies are removed promptly. 

In light of the above, I kindly request that you investigate the inaccuracies on my credit report and take the necessary steps to rectify them as per the FCRA. I believe that once these issues are resolved, my credit report should reflect an above-excellent standing on all accounts, as it should accurately represent my creditworthiness and financial history. 

I understand that the FCRA requires consumer reporting agencies to investigate and respond to consumer disputes within a reasonable time frame. I request that you adhere to these legal obligations and provide me with written documentation of any actions taken in response to this request. 

Please acknowledge receipt of this letter and begin the investigation process as soon as possible. You may contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with federal law to ensure the accuracy and integrity of my credit report. 

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

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXX XXXX XXXX XXXX, and XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2023 I disconnected service with XXXX  ( my phone number XXXX ). On XX/XX/2023 XXXX charged on my credit card for {$150.00}. They subsequently owed me {$110.00} in prorated amount due to my disconnection of the service. I received multiple statements in the mail from XXXX  stating I was owed a credit of {$110.00}. I made XXXX phone calls between XX/XX/XXXX, XXXX XXXX, XXXX inquiring about when I would be receiving the refund. I was told numerous times that the money would be refunded to my original payment method which was my credit card. Despite my XXXX attempts to receive my refund, they never refunded my money. I then filed a dispute with XXXX ( my credit card company ) for a partial refund of {$110.00} of the {$150.00} I paid to attempt to get my money back. XXXX  then immediately sent me to collections, I received a bill from Transworld Systems Inc saying I owe {$45.00}.
Product: Credit reporting or other personal consumer reports

On, or around XX/XX/XXXX, XXXX XXXX was an open fraudulent account. The account is now delinquent and is reporting negatively on my credit report. It recently was closed and still a derogatory mark on my credit report. 

On, or around XX/XX/XXXX, XXXX fraudulent inquiries ; from XXXXXXXX XXXX XXXX XXXX XXXX XXXX were reported on my credit report. 

On, or around XX/XX/XXXX, a fraudulent inquiry from XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed that there were some things that is not correct. I sent a letter to Transunion on XX/XX/year>. Here is my tracking number. ( Compliant ID ) XXXX. It has been more than 30 days since the credit bureaus haven't responded. This is a violation of USC 1681i ( a ) ( 1 ) ( A ) Under USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item or information contained in a consumers file at a consumer 's reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, the agency shall, free of charge, conduct a reasonable reinvestigation to whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX. 
And an XXXX buyer named XXXX said he would buy my XXXX XXXX XXXX XXXX for {$950.00}. 
The buyer had no choice but to purchase through XXXX because his XXXX ID was hacked, and asked him to pay {$950.00} with his XXXX account. 
The buyer said he paid, but this was a phishing e-mail. 
XXXX XXXX ( XXXX ) I didn't know I was fooled and sent the product directly to XXXX on XX/XX/XXXX. In XXXX, battery handling is strict, so I applied to XXXX through a delivery agency. So, the location is XXXX. This was a big mistake. The tracking number is XXXX. Here 's the link. XXXX XXXX XXXX XXXX XXXX XXXX And on XX/XX/XXXX, the signature of the unknown XXXX was confirmed in XXXX. At the time of delivery on XX/XX/XXXX, the seller offered a condition that the XXXX account limit would be lifted only when {$1000.00} was refunded, and the scammer lied that he would deduct {$2000.00} in credit. At first, a scammer asked for remittance in XXXX, but I said no, and I was forced to ask for my account number and try to transfer it, and I remitted {$1000.00} to a remittance company called XXXX XXXX at around XXXX XXXX on XX/XX/XXXX. Related pdf was extracted from the text. Yesterday in XXXX time, they said they paid {$1000.00} falsely to the XXXX XXXX ( XXXX ) address, and as a result of checking, XXXX is still pending and only requested sent. Unfortunately, as a result of checking at XXXX XXXX. on XX/XX/XXXX, it was an obvious fraud and XXXX said it couldn't be helped. 
The scammers took my money and the things I was trying to sell. 
I need help.
Product: Debt collection

I was never contacted about my debt. I had to find out about it after trying to get a mortgage and then : My account at the debt collection company was paid in full XX/XX/XXXX, yet every month it is being reported as a {$0.00} balance. Upon speaking with a credit bureau representative I 've understood that this is incorrect and is negatively affecting my credit score and ability to receive a lower interest rate on a mortgage. 

The credit bureau shows that the account was opened XX/XX/XXXX, but due to the fact that the collection agency is reporting a {$0.00} balance every month, my credit report at the Mortgage company shows the {$0.00} balance reported last month, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I have written PRINCEPARKER which says I have a debt of {$4300.00} multiple times asking to verify this information and to show me the original copy of me and the Creditor contract with my signature they have failed to respond to me it has been over two months which violates my rights under the FCRA I am a victim of identity theft and this false information on my credit report is stopping me from achieving my goals
Product: Debt collection

Companies reporting unauthorized accounts to my credit report and I ask for the hard impacts toward my credit report be removed immediately.
Product: Vehicle loan or lease

I am a XXXX XXXX and receive only one paycheck over summer. So on XX/XX/2018 I submitted three months of payments for my loan with Santander Bank. 

On XX/XX/2018 I called because I was unable to view my account online. 

When I called the women informed me that I was delinquent. 

When I asked why I didnt have access to my account she said I couldnt have access because I had filed Bankruptcy. 

This seemed like odd news since I obtained this car loan two years after filing bankruptcy and had historically had access.

When I questioned this she told me that they had changed their policy and would now only allow you to prepay payments for up to two months. This was never disclosed to me. Nor was their new inability to grant me visibility online to my account. 

I was told that I need to pay an extra payment to now bring my account current. 

This appears to be both unfair and deceptive lending practices to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer report.
Product: Checking or savings account

They have changed method of receiving an access code for online banking from email to phone calls which do not function at all. Email is the standard for most banking and financial institutions as XXXX XXXX and XXXX XXXX. 

Chase has changed the way a customer receives this by sending to a phone. Many of us no longer use phones. They also do not accept XXXX to send a code which uses wifi for phone use. There are many locations in upstate NY whereby there is no cell service and also in XXXX apartments where I am located. 

I have endless issues accessing my account since they changed this to receiving a phone call only and to a landline. and not email. I am not far from the Corp offices of Chase. We in our building had all of copper wire removed due to XXXX storm and cell phones also do not function in my apartment. 

This is an outrage that I am unable to access my account of hard earned funds in this manner and is a form of abuse and should not be allowed. This is beyond an outrage. 

I called Chase on numerous occasions and often disconnected. I then began to document each and every call with others in the room to verify the calls, or they simply disconnected calls. The United States is turning into a " XXXX '' driven status with few banks in control. 

Chase Agent XXXX XXXX XXXX, XXXX UPDATED so I could get a call to XXXX XXXX XXXX this then also stopped functioning and had to call executive office again. 
Chase Agent XXXX XX/XX/XXXX XXXX PM A case was supposedly created by XXXX again. He had an agent on the line from XXXX who again corrected it, but the call then disconnected and he did not obtain a ticket for this. 
Chase Agent XXXX XXXX XXXX XXXX Again 3rd time, the call function did not function. Agent XXXX could not at all understand the issue in executive office, & spent 1.5 hours on the call explaining it to her She refused to obtain a supervisor and also fabricated much information. 

XXXX - Business Banking- SUPPOSEDLY CREATED A CASE FOR THIS TO FUNCTION ON XXXX XXXX XXXX AND RECEIVE A CALL FOR ACCESS TO ACCOUNT. 
Case Number- XXXX It still does not function and I can not spend this massive time in order to access my account to pay bills. This is beyond outrageous. 

They send emails of encrypted messages that also do not open in older versions of XXXX XXXX systems. They also seem to fail to comprehend this matter entirely, and or any of their executive office agents.

I wish to also be compensated for late bills due to the inability to access my account and the inability for their executive agents to assist or correct this matter and endless time and calls. 
Further, no ability for anyone in the XXXX and XXXX XXXX branch was able to assist. They continually have managers leave the branch and no one to assist in this branch in the past year XXXX left XXXX left XXXX left XXXX left ENTIRE OTHER MATTER REGARDING CHASE. 
FURTHER- I am due funds from a case of : Cymbalista v. JPMorgan Chase Bank of More Criminal Activity by Chase -Chase loan XXXX XXXX. Apparently due to criminal activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX onXX/XX/2023XX/XX/XXXX I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, 5 more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/ 
The hard inquiries submitted onXX/XX/ are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I don't know anything about this, and the company acted without my consent.