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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX
Product: Student loan

XX/XX/2025 they denied my deferment which it they use to accept, they didn't show proof of classes taken they don't list school I attended they just sent amount of a debt they over estate which they bought from XXXX XXXX the debt is over 25 yrs old an I didn't get a degreeI will attach copies of letters also the negative on my report has prevented me from get an apartment I'm homeless an they look at credit report an see negative deferrment, I was paying XXXX XXXX till they sold debt this company is a scam an don't report payments
Product: Debt collection

I received a hit on my credit for a phone bill with XXXX XXXX . I have not been with that company for 10 years. I contacted XXXX and they find no record of me. They had me go in store could find no record of me. XXXX has filed a dispute with Frontline Assetts. I called Frontline Assetts directly. She was very nice and said this came up only a few years ago ; verifying it is not mine. The problem is Frontline Assetts wants me to pay {$170.00} to try to solved the dispute. That makes no sense for one and second again that this is not my debt. This was after Frontline Assetts making me give them my CC to pay a XXXX $ feom some company to verify my information, which, of course, made no sense. And, now, I have to cancel with that company before I get charged XXXX XXXX
Product: Consumer Loan

My case number is XXXX. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my XXXX credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. 

XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX We will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
Product: Credit card

Synchrony offered a promo rate on XXXXXXXX XXXX XXXX. I applied for financing. Before I could review any information or select to move forward, the sale went right through apon approval. They provided me no details on terms etc and after more than XXXX days, they still cant give me info I requested on payments, terms, etc.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$7700.00}, XXXX XXXX XXXX XXXX : {$8100.00} & XXXX XXXX Balance : {$4100.00}
Product: Credit card

I requested multiple balance transfers to the card. After carefully reading their terms and conditions payments are supposed to be applied to the oldest balance when there are more than one balance with the same interest rate. This is NOT being done by the credit card company. I contacted them on XX/XX/XXXX  to alert them to the payments not being applied correctly. They are not willing to follow their own terms.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE INQUIRIES, DELTE PLEASE 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 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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

XX/XX/2021 - I was informed by XXXX XXXX XXXX  my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from XXXX XXXX XXXX. The name on the judgement was XXXX XXXX XXXX. I contacted XXXX XXXX as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. XXXX XXXX XXXX failed to provided me a validation of debt letter at the address they filed the lien on. XXXX XXXX failed to contact me prior to obtaining the judgment or lien on the property. XXXX Mortgage per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. This is also the address in which this individual was served notice. XXXX XXXX knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. XXXX XXXX knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. XXXX XXXX has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.
Product: Credit reporting

Data Furnisher hereby referenced as 'credit reporting agency CRA ' declines to comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block upon receipt of filled police report confirming identity theft. CRA is in violation of the FCRA 616, 617 with monetary penalties in legal damages under administrative enforcement 621. 
616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Data reported to CRA was compiled using wrong social security number and wrong address. Furthermore, CRA previously deleted information from consumer 's file confirming the alleged 'true name identity theft ' on more than 10 occasions. CRA has records of past deleted information due to 'true name ' identity theft. 

Enclosure : 1 presents verification of debt provided by reporting agent XXXX to the consumer. Address reported does not match on consumer 's report. Other information such as SS # Employment and insurance is incorrect. Enclosure : 2 Legal action against debt collector CFPB complaint by the consumer. 

Remedy : Comply and block information on consumer 's report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) within four business days.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have been wanting to pay off on my private loan but they want me to pay XXXX a month which is too expensive. They will not work with me on lowering my payment. My co-signer and I are divorced and he does not work enough to contribute to the payment. I am simply seeking a lower month ly payment. 

I have also applied for some forebearances that I am told I am eligible for then I am denied. Inconsistent information and advice gets frustrating especially when I am doing what to can to pay my loan off.
Product: Checking or savings account

Suffered a casualty loss to my home due to a hail storm.
Insurance check made payable to me and my mortgage holder ( mortgagee ).
We endorsed check and the mortgagee deposited.
When we submitted bid for repair, mortgagee issued a check payable to contractor and me.
Contractor and I properly endorsed check and deposited Bank declined deposit because of " improper endorsement '' When we initially contacted bank, they indicated a corporate seal is required. In Texas corporations, LLC 's and sole proprietors are not required to have a corporate seal. When we pointed this out the bank told us the check could only be deposited in the contractors account.
The bank upon which the check was drawn indicated this is not true, that they would honor the check Contractor bid was 50 % at start, remainder on completion with the job to start 45 days in the future.
The insurance company will inspect my property upon the completion of the work to ensure the work was completed based on the adjusters appraisal and recommendation.
By denying the deposit of a properly endorsed check the Chase Bank of Texas is denying for no valid reason access to my funds. Furthermore, by their policy they promote contractor fraud by allowing the contractor full access to the funds before any work is undertaken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters of dispute on XX/XX/XXXX, XXXX disputing the originally {$16000.00} but is now XXXX. They responded that they had done their investigation and that the information was verified and they updated my report. 

On XX/XX/XXXX, I sent a letter requesting a description of their investigation procedures which was to be completed within 15 days as per FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 2 ) ( B ). 

On XX/XX/XXXX I asked for the item to be removed as they did not send the information requested on XX/XX/XXXX nor did they respond within the 15 days as per FCRA 611 ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there are several accounts reflecting badly on my credit report today XX/XX/20 when I was denied from opening a credit card at my bank. None of those accounts belong to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts. I have never had any written/verbal contracts with any of these companies.
Product: Credit reporting or other personal consumer reports

The persistent inclusion of this fraudulent accounts on my credit report is utterly unacceptable. It has inflicted substantial harm on my financial standing, making it exceedingly challenging to obtain credit, secure reasonable interest rates, and advance toward my financial objectives. Despite my persistent efforts to resolve this matter, these fraudulent accounts persistently undermine my creditworthiness and financial stability. It is incomprehensible that your agency has not taken prompt and decisive action to address this issue. Your agency 's failure to effectively address this matter not only violates the Fair Credit Reporting Act but also demonstrates a blatant disregard for consumer rights and well-being. 

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Failure to take action will compel me to explore all available legal options to safeguard my rights and financial interests. This situation has caused me considerable distress, and I demand a swift resolution to bring an end to this egregious ordeal.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 around XXXX, I searched online for a hotel reservation in XXXX XXXX SC for XX/XX/22. I found one on XXXX and submitted for reserving a room for XX/XX/22 and paid {$190.00} for it through PayPal. When my wife and I arrived at the hotel on XX/XX/22 we were told we had not reservation. I showed the confirmation and was told that was for the night before, XX/XX/22. I disputed this with the hotel ( XXXX ) and was told to contact XXXX. I contacted XXXX and submitted my dispute. They said it would take some time to process. My wife and I went to another hotel and paid for a nights stay. I contacted XXXX for several days without any resolution. I then filed a dispute with PayPal for a refund. After approximately one month I received no resolution. I then went to my bank, XXXX XXXX XXXXXXXX and filed a dispute. My bank was able to resolve and refund my amount. I now am trying to close my PayPal account but PayPal has placed limitation on the account and refuses to allow me to close this account after numerous attempts to close. I am filing this complaint to make PayPal aware they need to close my account immediately as I do not want an open account with this company any longer.
Product: Credit card or prepaid card

I received an email from Chime stating my card was in the mail, this was approximately 1 month ago. I never applied for a card or an account with them. Today, XX/XX/2022. I received the card in the mail. I neither applied for nor wanted this card. I called the number on the back of the card to find out why it was sent and to get it canceled. I received no help from their staff to get this done other than say I could only accomplish this by sending them an email which I was not comfortable doing. I didnt want to send any info to a company I didnt know or have a relationship with in an email. 
All I wanted was to get this card canceled and my name and info removed but to no avail. 
In my opinion they are sending out cards fishing for new clients which I think is unethical. All I want is to have whatever info they have on me to be removed and the card canceled. 
I have already filed a complaint with the XXXX
Product: Credit card

Fake fees " XXXX XXXX '' where on bill. I call AmEx XXXX to remove charge. They refused. I canceled credit card and next month that charged me the same kind of fee again even after card was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Portfolio Recovery Associates on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation? 

I also sent letters to XXXX, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

I opened an Amex credit card in XX/XX/XXXX ending in XXXX. 

In XX/XX/XXXX, I received an alert that there was fraud on the account. It was a charge from XXXX. 

I cancelled the account and reopened it to prevent future fraud. 

On XX/XX/XXXX I received a charge for {$350.00}. I did not authorize this charge. I contacted customer service and they stated this charge is irreversible. 

I have paid the charge to not impact my XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/XXXX.
Product: Mortgage

when paying my mortgage i call and pay over the phone the mortgage company all way harerass me. by say that i am later or i miss a payment an they keep on .this has been gone on for a year and just are try to make say taht i miss a payment they get mad then i dont say taht miss a payment or later i dont what to do iam trying to pay my mortgage that is all
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I corresponded with XXXX XXXX requesting that they provide verification, validation and accuracy of the account # XXXX which they where reporting on my consumer report via TRANSUNION and XXXX. See : Letter I submitted this letter certified mail. XXXX failed to respond or sign and return the XXXX  card. See : Certificate Receipt.

I also, requested that TRANSUNION reinvestigate the aforementioned account due to its failure to report complete, accurate and factual information. They failed to throughly provide a investigation as well.

In light of the above, my constitutional and FDCR rights has been violated. 

1. 15 US Code section 1692 ( a ) 2. 15 U.S. Code section 1681 ( a ) 3. 15 US Code section 1681e ( b ) 4. FDCPA section 807.

5. FDCRA section 808 6. FDCRA section 809 Clearly, this account reflects deception and misleading information against the law. There is no indication of a late payment on TransUnion to validate a XXXX XXXX 

However, Transition still penalized my FICO score XXXX  behind this deceptive tactic. XXXX  details that this isn't reflecting XXXX  accuracy by showing that the account took over XXXX XXXX XXXX XXXX years to reflect a XXXX  XXXX. This is illegal and against XXXX  rules for financial institutions. See : Credit report. 

XXXX, this demonstrates that TRANSUNION and XXXX is in collusion with XXXX XXXX to criminally break the law by failing to accurately report information to the XXXX. 


In short, XXXX XXXX failed to verify this account therefore, this misleading and inaccurate account MUST be deleted immediately. 


Thank you in advance.