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

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 
XXXX XXXX -XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XXXX of XXXX advising I had sent in a check for {$5000.00} to pay on my account as I was struggling due to cut hours due to Coronavirus. I had included detailed instructions on how to apply the check which was an insurance payment check for hail damage. Due to the restrictions imposed due to COVID i was not able to repair my car. A customer service representative said they received my check but would not be able to apply it to my account as the check was expired. I stated I would reach out to the insurance company for a replacement check. I reached out to the insurance company who stated that XXXX had cashed the check on XX/XX/XXXX. I reached back out to XXXX and they stated they did not see the check but would do more reseach and in the meantime requested a payment to make my account current. I made my full car payment of {$520.00} on XX/XX/XXXX. I continued to reach out to XXXX who then advised me that they had received the check but they did not know why it was not applied to my account. I explained the situation many times to different representatives and XXXX They said they could not apply the check to my payment as they could only apply it to my principal. I told them that was not what i was told back in XXXX, but they still did not apply the check to my account. I XXXX XXXX XXXX on XX/XX/XXXX and was XXXX for 15 days then bedridden for months after. I reached out to XXXX again in XXXX and stated that i had XXXX XXXX XXXX but i would make my payment for XXXX and they would need to apply the insurance check to my payment in XXXX as i was out of work due to my injury. They still stated they did not know why my check was not applied to my account and would have a supervisor review. I made another payment on XX/XX/XXXX and advised that I could not make the XXXX payment as i was still not working and to apply the insurance check to the outstanding payment. THey finally applied the insurance check to my account on XX/XX/XXXX. This is FOUR MONTHS after they cashed it. They continued to charge me interest on that balance during that time. They continued to pretend they did not know why it had not been applied to my account. The previous response stated the money was in an escrow waiting to see if i would repair my car. That is an outrageous lie. They held my money while they charged me interest and late fees and continued to report my account as delinquent. I want the interest removed from my account for the 4 months that they held my check hostage. I want my account reported as current from XXXX to current. I paid another {$8000.00} on XX/XX/XXXX which they have also failed to report to the credit bureaus. I will be paying off this loan at the end of the month and reporting them to the XXXX and the Attorney General for fraudulent business practices. They received a payment every month since XXXX and i expect them to correct the credit bureau delinquencies.
Product: Checking or savings account

After receiving my SSI benefits XXXX  my id bank account I was informed out the XXXX  XXXX my account was closed and id be receiving a closure notice and if my XXXX check came it be rejected back to social security XXXX In between. XXXX - XXXX XXXX I've recieved dispute resolution letters. Us bank csr also told me ask ssa to transfer my $ or ask for paper check The XXXX XXXX I get a notification my deposit had posted to the account .so I call us bank only to be told now my money is on hold due to fraud no one will give me any info in writing or by phone as XXXX my money is held. I was advised to go into branch but have no $ to get there also told them I was without food or money for my XXXX XXXX  due to them holding my SSI check unjustly .everytime I called was told something diferent after they. Got my check that I was told would be rejected.. So I called them back. And ask y they had it then they said account was pending closure after I was told was already closed, even no longer had access to my online banking due to it being closed now all of a sudden it's pending. I have no means of paying rent or request social security. Reissue check due to us bank won't provide documentation my account is closed
Product: Mortgage

Seterus is trying to charge me for things I am not responsible for. I have sent XXXX disputes and continue to receive a lying response from Seterus. The total amount I disputed was {$390.00}. They finally credited back {$370.00} of my dispute because they were wrong BUT they lied in their letters to me. The remaining amount is {$15.00}. Does n't seem like much because it is n't. It 's the principal now. They received my loan from XXXX XXXX in XXXX 2016. Seterus is charging me {$15.00} for a `` drive by '' inspection of my home on XXXX XXXX 2016. I did n't request this nor should I be responsible for the `` drive by '' inspection. I am not in default, I am not in foreclosure, I have never made a late payment with Seterus either. They have declined my dispute 3 times now. I am now filing complaints against Seterus becuase they are horrible!!!!!!! Their customer service is less than adequate and they argue over the phone with me. Then they tell me they only respond to written disputes. I am DONE with them and I will NOT pay the {$15.00} ....
Product: Credit card

Capital one credit card services has been reporting a fraudulent account to the CRA 'S, I have attempted to talked to the co. that this account was opened not be me, I sent disputes to The XXXX CRA 'S seeking identity theft as well as asking for the verifying documents that support the claims that this account belongs to me, I have got no documents such as the application and any other info that would suggest that this fraudulent account belongs to me. This account is definitely affecting my creditworthiness, and according to the FCRA Laws that are in place for the consumer if this is clearly unlaw because it states that within the dispute the CRA 'S should be able to report and issue supporting documentation to the consumer when it is requested as to how this verification process of this account was obtained, and they have not with the 2 attempts that i have tried in wrinting disputing this account with Capitol one.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I applied for a new Care Credit/Synchrony Bank credit card on XX/XX/2016. I applied on the phone, in the XXXX and was approved for {$11000.00} ( exact amount of XXXX work ). I was told I would be receiving the paperwork and bill in the mail. I received the paperwork and 1st bill in late XXXX which showed I was charged an interest charge of {$81.00}. I called their XXXX # and asked why I was charge interest on a bill I had not yet received. I had just opened the account and before I received any paperwork, they charge me interest. Plus, I looked at my credit score information and it showed this account to be over it 's limit - before I ever received a bill. I was told by the XXXX # that, 'it 's unfortunate that the {$81.00} was n't paid by the due date. ' And, 'Just because it 's on a credit site, we did n't indicate it as a negative comment on your account '.
Product: Debt collection

Comenity Bank is reporting an account ending in XXXX on my credit report without providing sufficient validation of the debt. I requested complete documentation, including the original signed contract, a detailed account history, proof of legal authority to collect, and compliance with IRS regulations ( 1099-C if applicable ). Instead, I received insufficient documentation, such as billing statements, which do not meet the legal standard for verification under the FDCPA and FCRA. I am disputing this account and requesting its removal until full validation is provided
Product: Bank account or service

Simply, I am trying to locate and ascertain the whereabouts of CDs from XXXX, Issued for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX AND XXXX XXXX is common knowledge that XXXX was acquired by WASHINGTON MUTUAL IN XX/XX/XXXX WHICH SUBSEQUENTLY FAILED IN XX/XX/XXXX and was sold to JP MORGAN CHASE by the FDIC after WAMU was seized and placed in receivershipCHASES RESEARCH DEPT CAME UP WITH NOTHING AND CAN NOT LOCATE THESE FUNDS, THE ACCOUNT NUMBERS, OR MY FATHER 'S NAME. MY dad, XXXX XXXX, passed away on XXXX XXXX, XXXX. I have contacted the New York Stae Controllers Office and they claim they never received these funds and is not being held there. My Complaint is that these Funds just do n't vanish into thin air and I need to settle my fathers estate and, as the Executor, need to distribute assets accordingly. I need an accounting and paper trail as to where these assets were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX  Original XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to promptly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Futhermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. 

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

I have had this XXXX  XXXX card and its not being reported on my credit. i have attached the bill
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 USC 1681. 

1. XXXX bank # XXXX 2. XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my account that was prompted by fraudulent activity. I never applied for a home loan with a XXXX XXXX! I was not in the market for a new house. There was malware or something on their website that caused this. They admitted wrong and promised to correct the issue. They said it would take XXXX months for my credit to be repaired. This has never happened. I waited XXXX  months! The hard inquiry is still on my record! I talked to someone on XX/XX/2024 and they talked around in circles for an XXXX. I DID find the original letter. I attach it.
Product: Credit card or prepaid card

On multiple occasions Kohls Credit has withdrawn 2 payments from my account when I authorized 1 payment. This is a reoccurring issue and has been occurring for well over a year. I have alerted their customer service where I was told they can not reverse the duplicate charge so starting with the duplicate charge in XX/XX/2021, I have been reporting to my bank to get the charges reversed. This is a deceptive practice where the site shows one payment as being scheduled but 2 payments are withdrawn from the account. I have no idea how wide spread this issue is but it can not be only me.
Product: Debt collection

The following Company " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' has contacted my employer stating that they are going to serve me legal papers for a past debit from XXXX-XXXX. The are acting on behalf of XXXX XXXX XXXX ( XXXX ). 

When I XXXX the phone number XXXX and XXXX it reflects as scam. And we I XXXX XXXX XXXX XXXX   ( XXXX  ) its reported as scam as well. 

I dont know where to pay them or not as they are threatening my employer, never contacted me directly or sent any information by mail. 

I received only a settlement letter from them via email. 

Company Information : " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH XXXX PH XXXX PH XXXX Settlement Sent on XX/XX/XXXX Amount : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX im writing regarding XXXX credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.
Product: Credit card or prepaid card

I attempted to make a payment with Synchrony Bank. They failed to process the payment and rolled the account to XXXX. Now I have XXXX delinquencies listed on that account and neither Synchrony nor XXXX will take responsibility. I asked both to close the account and they failed to do so. This month AGAIN I was charged a fee despite mye previous efforts to close the account. PLEASE HELP. I can not have this effecting my XXXX XXXX. It is illegal.
Product: Debt collection

I do not owe this debt. The merchant, XXXX XXXX never issued a refund to Affirm to cover the outstanding balance due to the package not being received. I have attached proof that I am not responsible for the debt and that XXXX, the delivery courier had to step in an resolve my matter as the Merchant never resolved the issue properly. I want the debt collector to stop sending me emails and contacting me via phone. I want my credit bureaus updated and all negative remarks associated with this account removed immediately. The merchant charged and Affirm charged me for items that never arrived which is fraud and illegal.
Product: Credit card

I would like to amend my previous complaint [ Case number : XXXX ] to include recent facts. 
On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. 
I believe that Discover Card is acting in bad faith to my detriment. 
Because Discover Card determined in their letter to me ( dated XXXX XXXX ) on page XXXX that I would have to return the merchandise at my own expense or have my dispute resolved completely in favor of XXXX, I requested and received a RA # from the vendor and shipped the items out on XXXX XXXX at a cost of {$530.00}. Because this action deprived XXXX the opportunity to ship at their discounted rate, Discover Card should cover this expense. Also, since Discover Card will not complete their decision process until after my billing cycle, and my outstanding balance would be negative without this disputed charge, I want Discover Card to remove any interest or late payments charges incurred as part of this process. They should also remove any record of this late payment from my credit history.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. Please remove this information from my credit report. According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove from my credit report. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. 

I have proof attached where XXXX deleted this from my credit because of the above. Please do the same and remove this from my TransUnion credit report.