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

After filing my first complaint to another bank the government might give a bailout too in the near future or did a few years ago in any case when you jump to the idea that I have accounts with Typo and Fraud Issues before contacting the CFPB and with my support behind Mrs. XXXX XXXX will bring bankers under oath for unfair practices that are ok. SYNCB retaliate by closing all my SYNCB accounts. XXXX being first and XXXX XXXX, and XXXX   XXXX. I have sent a wonderful letter to XXXX XXXX office advising her of some of her need to investigate SYNCB from top to bottom like a bad IRS Auit. This simple bank Who who is lending to me I file a complaint on a different issue and they simply retaliate and close my accounts because I reported them for a violations in the lending act. I want this looked into! I am not too fond of SYCNB right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a address I want removed from my check systems report. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

Every XXXX  years or so, Capital One threatens to freeze my account ( like they did in XXXX ) or threatens to change my account ownership ( like they are doing in XXXX ). My checking and savings accounts are owned in trust. I went through all the paperwork they required to change the account ownership. I'm even willing to do maintenance confirmation every so often, but each time they ask me to confirm or update my information, the process for doing so is confusing and burdensome. There is no way for me to confirm what I need to do, who can I ask questions, did anyone receive these forms that were mailed? 

The letter they sent contains some phone numbers that end in automated phone tree hellscape where I can't get through to a live person to ask questions. When I tell the automated system why I'm calling " Trust Department '', it says " hm, I don't know about that '' and then it keeps asking me why I'm calling, after trying several variations on keywords that might work- it still won't let me talk to a representative. 

Last time, in XXXX, when I went into a bank branch in person to get them to unfreeze my accounts, the people there had no idea what process I was talking about. This time feels a lot like that. If I could even talk to a person, chances are that person also doesn't know how to handle trust ownership of bank accounts- how to create one, what type of maintenance process they undergo.

Now they're threatening to take my trust accounts out of trust ownership if I don't do something within 30 days but I don't know what to do. The form they list in the letter is for creating a new trust owned account. A ton of hoops. I already have trust owned accounts. I don't need to go through that initial burdensome process to keep what I already have. I just need to talk to someone but don't know how to reach someone who knows anything about this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of securing a VA mortgage. I checked my credit report and it shows 1 ( one ) collection account with EOS-CCA for {$1700.00} toXX/XX/XXXX XXXX, NY. On XX/XX/XXXX I contacted XXXX XXXX billing office to get a definitive total owed. Talked with C/S rep XXXX and she gave the amount owed to EOS-CCA {$320.00}. I contacted EOS-CCA XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX the same day and spoke with C/S rep XXXX. XXXX informed me I owe EOS-CCA {$2500.00}. I asked her to send me an itemized statement of the charges and dates. Called EOS-CCA XXXX, NY on XX/XX/XXXX to inquire about the itemized list. C/S rep wouldn't give his name but said the list was mailed out. To date I have not received the itemized list. I also filed a dispute with XX/XX/XXXXfor 9 ( nine ) amounts on my report. On XX/XX/XXXX I called XXXX XXXX to get an update on my charges because I had paid a previous bill on XX/XX/XXXX for {$30.00} and XXXX XXXX stated I now owe EOS-CCA {$290.00}. I called EOS-CCA XXXX XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX, the C/S rep would not give her name. She stated I owed EOS-CCA {$2500.00} and she insisted I set up a payment plan right then over the phone. I explained that EOS-CCA is the only collection listed on my credit report and according to their client XXXX XXXX, who I had just spoken with that morning, the amount is incorrect and not owed. I then requested she mail/send me an itemized list of the charges. She requested to put me on hold because " I want to check something ''. I agreed. She returned 5 ( five ) minutes later to verify my address and said the list will be mailed out. Also, I went over the amounts line item by line item on my credit report with XXXX XXXX XXXX and the dates. ALL dates and amounts on my credit report are XX/XX/XXXX. XXXX XXXX stated the amounts and dates are incorrect and not owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing my personal information on XX/XX/XXXX - XX/XX/XXXX, I've been sending letters and now there are addresses that I have no knowledge of or no access to. These addresses are still being reported on my Experian credit report and affecting my credit history. Experian has closed each dispute attempt with the same outcome, the invalid information is still being reported today as of XX/XX/XXXX. This has really affected my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES IN CREDIT REPORT : ID THEFT REPORT INCLUDED 5TH ATTEMPT TO CORRECT THIS 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 AND XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I receive a copy of my credit report and found the following items to be error. See the list of errors below. Here as follows are the items in error : XXXX. XXXX XXXX XXXX- {$23000.00} XXXX. XXXX- {$79000.00} By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the credit can not verify. I understand that under XXXX U.S.C Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Sincerely yours, XXXX XXXX
Product: Debt collection

Upon applying for a home loan I was notified about a debt in collections from a business I have never had services from. I reached out t this company for proof of this debt via email and phone over 30 times, with no response. I know I ordered an product from this company in XXXX and never even received the XXXX XXXX from them, therefore making it impossible for me to have EVER rendered services from them. I sent over 10 emails to customer service about this. I disputed it with my bank, was refunded the amount, canceled my account and never heard anything more until this went company sent a bill for services never provided almost 4 years later after canceling my account. I was never even contacted i owed a bill. Let alone a returned call from the company of proof that this debt is owed. I never received any services, or notice, nor bill.
Product: Credit reporting or other personal consumer reports

I value your efforts in addressing some of the fraudulent items in my file resulting from an alleged identity theft. However, there are remaining items that require removal. Upon reviewing my records, I observed that several fraudulent entries, not associated with me, persist despite previous correspondence. This marks my 11th communication on this matter. According to Section 605B of the FCRA, it is a legal obligation to promptly remove fraudulent items opened due to identity theft. The disputed items are not linked to my identity. I have attached the necessary FTC Report # XXXX and the required identity verification documents for your reference. Kindly proceed with the removal of the following fraudulent items : -- -- -- -- -- -Experian : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1100.00} -- -- -- -- -- -XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XX/XX/2022 -- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

Please see attached Documents XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Apartment Account opened at XXXX XXXX reporting XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, an XXXX account under Helvey & Associates account number XXXX opened XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to the 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agency Experian did not modify nor remove anything. 

Which is a violation this is impacting my life and business in so many ways. 

I will attach my credit report to show Experian didnt removed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX auto loan was discharge through my chapter XXXX bankruptcy, on my experian credit report it stills shows that its open, they have not updated the status its been four years now and the other two credit reporting agencies showing that this account is closed. Experian is still showing that its still opened.
Product: Credit reporting or other personal consumer reports

I've told them multiple times these inquiries and debt collections that are not giving me XXXX fair chance at living the " american dream '' need to come off they are not mine nor am I aware of any of the collection agencies. 
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 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I sent a certified letter to Santander Consumer USA requesting the presentment or exhibition of the original loan agreement to verify their status as the holder in due course. 

I referenced Title 9 regarding the perfection of security interests under the Uniform Commercial Code ( UCC ) and cited UCC 3-505, which pertains to the exhibition of the original contract or commercial agreement upon demand. 

I expressed my intent to honor any legitimate demands but requested verification of their authority before proceeding with payments. 

They failed to certify the loss, theft, or destruction of the original document and have remained silent on the matter. 

In XX/XX/XXXX, after conducting research into the U.S. Code, corresponding Code of Federal Regulations, the UCC, and Federal Reserve Bank publications, I sent another letter to Santander. 

I expressed concerns that the alleged lender might not be the holder in due course of my promissory note and may have breached the loan agreement. 

I requested adequate assurance of due performance pursuant to UCC 2-609, seeking confirmation that the lender used their own funds to purchase my promissory note and did not utilize my note to fund the loan Santanders failure to provide the requested documentation and assurances has led me to question their authority to enforce the loan and demand payments. 

I am concerned that the original promissory note may have been altered or securitized without my knowledge or consent, potentially entitling me to certain offsets or dividends under applicable laws. 

Then today, XX/XX/XXXX after not hearing anything from Santander since Before XX/XX/XXXX, they came and took the car. The only thing they have ever sent me was a copy of the credit application and a copy of the contract which I can't say whether it's the original or not because its a copy. 
eresion The paperwork I have attached is the typed out version not the signed version as I sent the signed version but I do have the return receipt that Santander signed to recieve
Product: Credit reporting or other personal consumer reports

Cavalry Portfolio Services checks my credit twice a year in the past ten, verified by my XXXX XXXX XXXX from XXXX. They have no legal right to view my credit. They are stalking and violating the Truth in Lending of the FCRA. I seek that the FTC put a stop to their illegal entries into my file.
Product: Credit reporting, credit repair services, 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, Transunion, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

This is for both my checking account and my savings account, but CFPB web site only allowed me to check one. 

On XX/XX/XXXX I asked through XXXX 's web site how to fill out a POD or TOD. No response. 

On XX/XX/XXXX I phoned XXXX and spoke with XXXX, who said it's XXXX 's policy that customers need to go to the bank in person. I can't do that because the governor has a stay-at-home order, and even if he didn't it's not safe to be that close to other people. XXXX the nearest Chase Bank is well over an hour away. XXXX connected me to a Chase Bank in the XXXX area ( the nearest one that's still open ) and I spoke with the manager XXXX, who confirmed the policy. He said the he'd escalate the issue. 

On XX/XX/XXXX I received a phone message from XXXX, I phoned her back and left a voicemail, but haven't received a call back. 

This is ridiculous. It is perfectly legal to do a POD / TOD through the web site - I have an Ally Bank account with a TOD/POD and was able to set it up online. 

Lots of people are dying now and undoubtedly there are many other customers who are concerned about filling out a POD/TOD.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 


XXXX XXXXXXXX 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 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 a account without my written instructions.
Product: Mortgage

On XX/XX/2023 I made my last payment to PHH Mortgage Services https : //www.phhmortgage.com/ They have been holding my money and not applying is to my last principal balance of {$5500.00}. 
I sent them {$5600.00} which shows they are holding in a suspense account since XX/XX/2023. 

Thank you for your time and assistance in resolving this issue. 

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

I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. Equifax and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on it
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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
Product: Credit reporting

TransUnion has an incorrect SSN on my file with them. As a XXXX, I do not have a US SSN, only an Individual Taxpayer Identification Number ( ITIN ). TransUnion has refused to remove the incorrect SSN ( which according to a " Special Message '' on my file with them belongs to someone who died in 1991 ). They have made me obtain a letter from Social Security Administration confirming that I do not have an SSN, and do not currently qualify for one ; I have obtained that letter and sent them a copy, yet they still will not remove the incorrect SSN from my file.
Product: Debt collection

ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, XXXX  ALLIED COLLECTION SERV {$2800.00} This account was previously removed from my credit report for fraud. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. Allied Collection Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They can verify that I was a victim of identity theft. My signature is not the one on the receipt that the company sent to me. you can compare my signature on my ID with the one on the receipt and you can see that it is not the same. You are committing an illegality by putting this debt on my credit since the signatures are not the same and besides, I am not the one who made these charges. send me evidence that it was me. and you will see that they do not have them since I was not the one who made these accounts.