23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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

I contacted the credit bureau when i noticed i had several inquries that didnt belong to me XXXX called. They told me to notify in writting. i did so and all they said is they sad was send my id card and a bill with my address which was not true. my info is on the dark web i sent them the info. im contacting again because i just recieved inquiry on my credit and called and they did same thing. 

please help
Product: Mortgage

My XXXX XXXX agent referred mi to a guy named XXXX with Mclean Mortgage and I told him that I was out of state & not to pull my credit until I meet him in person. Since he never returned any of my calls I assumed he wasnt interested until I recieved a credit monitor alert that Mclean Mortgage used XXXX XXXX different times to access my credit report I disputed with XXXX that they were impermissable and contacted his boss CEO XXXX XXXX to addressed my complaints. I asked him by phone to remove any reference of affliation with his company. He agreed according to these enclosed responses but has not gave XXXX XXXX manager XXXX XXXX the formal release on letterhead by fax or email as he promised XXXX XXXX.
Product: Bank account or service

Santander Bank, branch @ XXXX PA closed our XXXX ( XXXX XXXX ) accounts on or about XX/XX/2015. Representatives at branch & compliance told us they mailed XXXX checks for the ending balances. As of this date Santander Bank has lied misrepresented and refuses to return our deposit money, {$28000.00}. Branch Manager XXXX XXXX is not cooperating, nor is XXXX or XXXX ( branch assistants XXXX. Compliance Dept has told us XXXX times that the branch closed the accounts and is able to issue us a bank check at the branch however, no one is cooperating. Our XXXX may close as a result of Santander Bank 's fraudulent representations and refusal to return our demand deposit money, principal amount owing {$28000.00}. We ask the honorable CFPB to open an investigation and seek justice which we believe is the principal amount plus penalties and interest. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at 0XX/XX/XXXX - XX/XX/XXXX for both accounts.
Product: Student loan

cosigner with my daughter have asked several times to make a principle reduction on the loan and they keep applying it as paid ahead status ... would like to know why I cant make a principle reduction to reduce my repayment schedule
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on Transunion and XXXX shows an Auto Loan but on XXXX it appears to be blank. 
2. The open date for XXXX and XXXX shows XX/XX/XXXX but Transunion shows XX/XX/XXXX. 
3. The balance on XXXX and XXXX shows {$9.00} but Transunion show {$0.00} 4. The day active date for XXXX was XX/XX/XXXX, XXXX XX/XX/XXXX, and Transunion XX/XX/XXXX. 
5. The last payment date for Transunion shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for Transunion is XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit reporting or other personal consumer reports

I sent letters to each bureau on XX/XX/year>. I attached the FTC report as they requested. I have sent a follow up letter on XX/XX/XXXX and still no response with updates of fixing the inaccurate accounts on my credit. There was also no verifying information or how they investigated these accounts that are still reporting. The items that should have been investigated and eventually removed are : 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 XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

opened XX/XX/2022 account says still open.I tried to get it disputed and its still on my credit, Its XXXX accounts open with the t mobile company, they are asking for XXXX $ that i did not aprove or did myself
Product: Credit card

I opened up a credit card with terms that if I spent a certain amount I would get a bonus of XXXX miles. I did that and the credit card did not honor the bonus.
Product: Debt collection

( PROFESSIONAL FINANCE C ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, COXXXX ) has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, Exeter is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through XXXX have resulted in the information continuing to appear in the account.
Product: Credit card

Synchrony Bank accepts fraudulent information, they do not verify identity, or they're downright fraudulent on purpose. Someone is trying to open a credit card in my name and it's not me. The bank they are trying to open a card in my name through is called Synchrony Bank. The address listed for the bank is ; XXXX XXXX XXXX, XXXX XXXX XXXX. Another address listed is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone number they have listed is XXXX. I DID NOT give this company permission to send me anything nor have I applied for a credit card. They have my credit score listed in the letter which I did not authorize them to look up. I don't know if the company is trying to scam me or if someone is trying to do a credit card scam through this company in my name, but I need them to not be allowed to open a credit card in my name. I am very concerned as my ex-step-dad used to do credit card fraud using my name before I turned XXXX  and I am concerned this may be what is happening again. I am VERY concerned that this is happening and would greatly appreciate if the criminal responsible is at least forced to stop, or even better, charged with the crime of fraud because that is what they're trying to do. Also, it's pretty suspicious that Synchrony Bank would even allow this to happen without verifying the persons identity.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, resulting in unauthorized XXXX accounts and XXXX inquiries on my credit report. These were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XX/XX/XXXX I have reported this identity theft to the FTC. I insist on the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Checking or savings account

I signed up for a Usbank checking account as the result of a solicited offer of {$300.00} bonus if I met certain criteria within 60 days. I met all requirements but Usbank refuses to honor advertised promotion even though Usbank states they have no doubt that I received the offer. There excuse is that the code wasn't included in the application even though the Usbank website stated the promo code would automatically be entered as I proceeded through application web pages. I contacted Usbank but they refuse to honor their terms even though I said I could provide screenshot of the terms. Correspondence can be provided and also can be posted publicly to provide proof of my claim and Usbank 's refusal to honor their promotion.
Product: Credit reporting or other personal consumer reports

I hope this finds you well. I am writing to request information regarding a dispute that I submitted on XX/XX/2023. I would like to obtain details about the dates on which the dispute was received and the dates on which Equifax contacted the respective furnishers for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  What are the names ofthe technicians who conducted the reinvestigation? What are the names of the employees at the furnishers who completed the XXXX and/or XXXX  forms in connection with the disputes? Please provide a copy of the relevant XXXX and/or XXXX  forms for my reference.

I believe this information is crucial for me to better understand the status and progress of my dispute. Your prompt attention to this matter is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX, have been discriminated against pursuant to the Equal Credit Opportunity Act which is Regulation B by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX have communicated with TRANSUNION my personal nonpublic information without my consent. XXXX XXXX XXXX XXXX has denied myself the applicant an extension of credit that I applied for claiming that I had a low credit score and delinquencies that caused my denial of my credit. There is no law that requires a score or that any score exist in reference to denying me credit. This have caused the applicant grave discouragement applying for credit in believing that I need a high score to receive my credit. This is a violation of Regulation B. XXXX XXXX XXXX XXXX also has not given the initial terms of the application to the applicant in order for the applicant to send a counter off. XXXX XXXX XXXX XXXX must let me review my private information before they commit adverse action against the applicant to make sure all my information being used is fair and accurate. This is a violation of the Fair Credit Reporting Act as well. My information must not be communicated unless given consent by the consumer before reporting such information. I have been injured by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This information isn't authorized and I didn't take out or use any student loans. I have tried contacting the creditor and the school but they keep giving me the run around about closing the account or investigating the account as it wasn't used by me. 

There are XXXX accounts open totaling {$10000.00} being reported on my credit report. It shows open and never late but I never made any payments on an account I have no knowledge of. I would like this closed and removed immediately. I have also contacted XXXX, XXXX and XXXX and they fail to investigate to validate the loans to have them removed and deleted! 

Attached is FTC report that lists the loans as a creditor or apartment but not sure why it doesn't list as loan. 

FCRA law. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT :
Product: Mortgage

I closed on my house and was apparently issued an escrow refund check from Freedom Mortgage. I never received the check. It wasnt until XXXX of 2020 that I received a letter from Freedom Mortgage stating that I had 180 days to cash said check or the check would not be negotiable. I contacted Freedom Mortgage and explained that I did not receive anything. I was told that the check would be cancelled and a new one issued. Almost a month later I called again and I was told that the check is in the mail but the postal service has been backed up. Im starting to feel like they are stalling and just gon na wait this out until XXXX and not pay me my money back.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Product: Debt collection

I have never heard of Midland Funding LLC.

Their monies owed is unfounded. I would like this so-called debt off my credit report immediately.
Product: Credit card or prepaid card

I received an email on XX/XX/ from Synchrony Bank that stated the following : " Adjust Autopay to avoid paying off planned transactions prematurely [ My first name ], our records show you recently made a promotional financing purchase, and are currently enrolled in Statement Balance Autopay. 

To take advantage of the promotional financing period and pay over time, we recommend updating your Autopay setting from Statement Balance to Minimum Payment Due. 

If you do not change your settings, your next Autopay amount will be your new total balance including the total remaining balance on your recent promotional purchase. 

It's easy to change your Autopay settings '' And then it proceeded to describe how to change the Autopay settings. Apparently all purchases are " promotional financing purchases, '' since I have never actively engaged in any of the Synchrony promotions. Customer service, when asked which of my purchases qualified, simply listed my three most recent purchases. 

This is a shockingly blatant predatory marketing email : encouraging ( all? ) customers to stop paying off their debts in order to lure them into growing accustomed to not doing so, giving them a false sense of security. Then, inevitably, the promotion will expire, and Synchrony will ramp up the interest payments, pouncing on the unsuspecting customers who are not on their toes or are slow to adjust. 

Amazon is preying on the same psychological vulnerability that theXX/XX/XXXX companies did : habit formation. The goal is to get customers XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them but good for profits ( XXXX/debt ). This is disturbing and, if not illegal, obviously should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1100.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX & I am reaching out about a XXXX point credit score decrease from Experian I received on XX/XX/XXXX. I have reached out to them to request an explanation of the decrease due to there being no change in my credit report to warrant the decrease of any points but especially that amount. I have not received any assistance except being advised to review my credit report which I have done & there has been no changes. The last change to my credit report prior to the decrease in XXXX was a score increase on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had different accounts with Springleaf Financial from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX  and Springleaf and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX  and Springleaf Financial. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.
Product: Credit reporting or other personal consumer reports

Why until now these XXXX accoounts are still here it's been a while since I've done this I have filed a complaint with the XXXX  for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of XXXX  accounts that I want as soon as possible.