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

[ XXXX XXXX XXXX ; Account Number :XXXX ] YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XX/XX/year> Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows someone tried to open a new account with XXXX XXXX my name in XXXX of this year and wont give me any more information
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING, and send the required notifications to all furnishers of this information I have not initiated any transaction with, that obtained your credit report ]. Further, under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). 
As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C. 1681n ( a ). 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
Fair Credit Reporting Act Section 605B
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Disputing the XXXX status and date validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to TRANSUNION. It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXXmay be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Checking or savings account

I got a number of calls from people saying someone was trying to steal money from my XXXX account. Then someone claiming to be with the Billing Team/Fraud Protection from Chase bank called me and said his name was XXXX ( XXXX XXXX XXXX . XXXX told me that I had to move the money that was currently in my Chase bank accounts into other accounts to keep the money safe. He said that he would give me the new account information when I got to the bank. He stayed on the phone with me all day on XXXX  and XXXX  ( XX/XX/XXXX and XXXX ). He told me that I couldn't tell the bank tellers or anyone exactly what we were doing because this wasn't usually how they handled fraud situations, but it was the most expedient way to keep my money safe. 
On XX/XX/XXXX, I went to the Chase Bank in XXXX. XXXX ( on the phone ) told me to withdraw XXXX dollars from my checking account, which I did. The bank tellers asked me if someone was forcing me to do this, and I told them " no, '' because XXXX had told me not to tell anyone. XXXX was on the phone with me the entire time. He told me not to hang up. The bank tellers did not ask any more questions. 
Then XXXX told me to go to a XXXX XXXX machine and deposit {$1000.00} into an account that he would send me. I went to a XXXX XXXX machine at a XXXX XXXX and deposited the money. He told me that I needed to go to a different Chase bank than the first bank and deposit the rest of the money into an account that he would give me. 
I went to a Chase Bank on XXXX XXXX and deposited the rest money into an account called XXXX XXXX XXXX XXXX. 
XXXX then told me to go to a different Chase bank to make another withdrawal and deposit. I went to Chase bank on XXXX XXXX XXXX and withdrew XXXX dollars from my checking account and then deposited {$6500.00} into the XXXX XXXX XXXX XXXX Again, the tellers asked me if anyone was forcing me to do this, and I said no. XXXX was on the phone this whole time. They did not ask any other questions. In total, I withdrew XXXX dollars on XX/XX/XXXX. 
On the next day, XX/XX/XXXX, XXXX called me again and told me to withdraw the rest of the money in my accounts in cash, which I did. The total withdrawal amount was {$20000.00}. I withdrew this from the Chase on XXXX XXXX. The bank teller did not ask me any questions about this. XXXX was on the phone with me during this transaction as well. 
XXXX sent a " courier '' to my house who collected {$20000.00} dollars, which I was told would be placed into my new secure accounts. I recognize now that this was a scam. I wish there had been more checks in place when I was withdrawing large sums of money from Chase in a short time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Inquiries on my credit reports for Experian XXXX XXXX I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I did a tour of a XXXX property on XX/XX/2021. After touring the property I came home to several notices that a credit card had been opened in my name. I never authorized a credit card with Comenity Bank. I contacted Comenity Bank to advise them of the same. Comenity stated that the account had a {$0.00} balance and my understanding is that they would close the credit account. I then received a bill in XXXX for a transaction dated XX/XX/2021. I contacted the bank, Comenity and advised that we did not complete a transaction on this date. Comenity refused to allow me to dispute the transaction. I had requested several times to dispute the transaction and it was not until I recited federal credit laws and argued with a supervisor that I was able to dispute the transaction. 

The response from the dispute was received and stated that I was liable for this transaction. But provided me with documentation for a transaction dated XX/XX/2021 with XXXX but no credit application with Comenity. The credit card statement still reflected a transaction date of XX/XX/2021. This is not in fact what occurred. I have been trying to get Comenity Bank to remove the transaction according to the regulations. Our disputes with Commenity are that we never received the goods ( ie timeshare points which is a separate legal issue ), we never applied with a credit account with Comenity, the transaction date is incorrect, and incorrect spelling of my name. I am looking for resolution from Commenity Bank as they have placed us in a delinquent status as this has not been resolved.
Product: Credit reporting

Remarks : Unpaid balance reported as a loss by credit grantor. The account was paid in full. Incorrect information. Please delete account from my report. In violation of the FCRA &amp; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Mortgage

I have applied for a Home Equity Line of Credit ( HELOC ) from Citibank.. I submitted the application in XX/XX/XXXX ; it took until XX/XX/XXXX to initially be approved. It took five monthsbecause my XXXX had a mechanic 's lien attached to our deed and Citibank dragged their feeton identifying this as the cause. The coop kept on stalling and finally admitted that the did not pay the {$55.00}. filing file to prove satisfaction of the lien. Citibank paid the {$55.00} and anticipated at closing I would pay them back and the XXXX would then reimburse me. 

I am XXXX. When I filed initially, I was making $ XXXX/year. Then that job ended, I took another job paying $ XXXX/year. By the time the lien was satisfied, my XXXX job ended and I then was working XXXX job making around $ XXXX/week. 

Since the process dragged on, Citibank asked me and my wife to resubmit our pay stubs. 
At the point we resubmitted, since my income had dropped, Citibank changed the acceptance to a rejection. 

About three weeks ago, I secured a full time job paying $ XXXX/year. We again submitted our pay stubs and we were asked again many questions. At this point, we are now at 9 months since filing the original HELOC application and, in my most recent conversation withCitibank, I was told to have patience. I indicated my patience has worn out. Since I had been underemployed and my son started College, I borrowed funds from my IRA in anticipation of securing the HELOC. I am quickly approaching the 60 days and the penalty period forrepayment of these funds is quickly approaching. 

In my opinion, I think this process should never had dragged out so long. If we had closedby XX/XX/XXXX ( which I think is reasonable ), I would still be at my $ XXXX/year job and we would not be discussing any issues of not having a high enough income.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Scrng Reports made a hard inquiry on my XXXX credit report without my authorization. On XX/XX/2018 XXXX  confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what Scrng Reports is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted XXXX, XXXX, and Experian Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and XXXX XXXX Account number XXXX that is still in dispute after 60 days. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about thes 2 unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX  XXXX  Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I dont recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY!! I believe this is a violation of the Credit Reporting Act Section 1681b ( c ) and it is also a serious breach of my privacy rights. Please validate this info with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand that this company produce a contract between them and I, a consumer bearing my signature showing that I gave permission to furnish any information on my behalf. According to my credit report I have the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Yes my complaint is with synchrony home I purchase some furniture last year in XXXX for {$5000.00} not knowing that synchrony was the financial company so I received a statement from them the next month to start making payment an I have been faithfully making before the day an I pay way more than the minimum due and its almost been a year an my balance is {$4200.00} an every month I pay almost XXXX XXXX dollars an I call them an the clerk said that the interests rate is 29 % an {$110.00} goes towards the interest that makes only {$60.00} that goes toward my payment this has me where I have to may two payment a month an right I dont have my whole household just got over the XXXX XXXX  When I spoke to someone there about it she said that the interests rate is 29 % an we cant change it I responded back an ask if the interests rate are going down why isnt it here she said that we dont lower the interests rate I responded back and ask why were in a pandemic cant the company lower the interest rate this is so wrong this is how people can never pay off thing because all of their payment is going toward interest, how can I get the company to lower there interest rate after a year all I paid toward this bill is {$700.00} an over {$1000.00} dollar has gone to interest an they can just go up on the interest rate at any given time this is so not right to consumers if this was explained to me when I was purchasing it I would have never brought it, the salesman told me my payments would be only {$75.00} a month an when I got the first bill it was {$150.00} and I paid almost XXXX a month what can be done
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

I initiated a Refinancing Transaction with PennyMac Loan Services , LLC on XX/XX/2020, to refinance my current mortgage with them. 

An appraisal report was performed on my house and PennyMac told me that they will not move forward with my application because the appraisal report shows that my front steps need repair. This is the reason why I am going through the refinance so that I can have some funds to repair my front steps. 

This was not disclosed to me upfront by PennyMac that they will not move forward with my refinancing when I contacted them on this refinance transaction. 
Therefore, I withdrew my application and moved forward with another Mortgage Company. 

I have been requesting from PennyMac for 2 weeks now the XML file of the Appraisal Report, a copy of the invoice, and a copy of the Paid Receipt which I paid for using my VISA Card. 

The Mortgage Loan Originator from PennyMac Loan Services , LLC NMLS  : XXXX who I have been requesting this information is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, XXXX, CA XXXX. His Direct Line is XXXX XXXX XXXX XXXX and his email address is XXXX. Branch NMLS # XXXX and Corporate NMLS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Shows two credit card accounts over seven years old 1 ) XXXX XXXX Bank .Open date XX/XX/XXXX ( account closed ) 2 ) XXXX  XXXX Bank Open date XX/XX/XXXX ( account closed )