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

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( U.S.C. U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at CHASE BANK with a balance of XXXX XXXX This account has resulted in several fraudulent hard inquiries on my consumer credit report. I have attached a screenshot of the consumer credit report maintained by you all, 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 all 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I also attached a copy of the police report filed with the XXXX Police Department and a copy of my state issued IDENTIFICATION CARD.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 

XXXX XXXXXXXX XX/XX/year> The following inquiry was not and should not be reporting.
Product: Vehicle loan or lease

I have an auto loan and the Lender does not provide paper statements. When I go online I am able to see the payments/fees that I have made or been assessed. However the Lender does not have how the payments are being applied ( what goes to principal and what goes to interest ). I know they are doing this on purpose to avoid questions from other consumers who are experiencing the same thing. I have to submit a request ( which can take 2-3 days ) to show how may payments are broken down in principle and interest. Why? All other loans/credit cards I have show this information right on the screen/billing statement and it is readily available ... this lender doesn't. I feel like this is a violation of Reg Z.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from the company that someone applied for credit in my former name. I denied completing any application for credit. The company closed the application. I then contacted XXXX because my credit score decreased XXXX points. I contacted the XXXX XXXX Department who took the inquiry off my account. I was then told to file a fraud report with FTC.gov/Fraud Alert which sent me to CFPB to file a fraud report. I sent the fraud report to all credit reporting agencies. 
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Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 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 an 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. The list of inquiries below should not be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Inquiry Privacy Violation and Defamation of Character To Whom it May Concern ; Peace and blessings on to whomever is reading, I am writing this letter in reference to the fallacious XXXX XXXX Inquiry discernibly furnished on my consumer report on XX/XX/XXXX. This fallacy came to my knowledge on XX/XX/XXXX and due to this fallacy and many others like it, I was discriminated against and refused for the following ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Increase In reference to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

At this moment, I am clearly and conspicuously notifying your organization of the fact that I have never consented to having any information being furnished on my credit report. Also, there is no law which states that I, as a consumer, is required to have anything reported to my credit report. In addition, due to the severity of the role that this organization plays in my livelihood, this fallacy has terribly affected me mentally, physically, emotionally, and spiritually. 

According to 15 USC 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Within the construction of this consumer report, there wasnt any regard for my right to privacy since I did not receive any adequate notice asking me for my consent to have this inquiry placed on my report. 

I beseech you to provide the evidence that this information was properly solicited as well as the details of your system used to determine if this inquiry actually transpired. 

In connection with 15 USC 1681 ( a ) ( 2 ), it is stated, An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Due to the deceptive furnishing tactics employed by your company, not only has my credit standing been damaged, but also my reputation as a consumer has suffered due to the inquiry placed on my account showing that I was not approved of the extension of credit. This has left me with societal, financial, and emotional damages which leaves your company liable to 15 USC 1681o. 

At this moment, I offer your company the right to rectify these infractions with the following actions
Product: Checking or savings account

On Saturday, XX/XX/2023, I deposited four checks at a Wells Fargo Bank totaling {$17.00}, XXXX. These checks included a check for {$5000.00} drawn from the XXXX XXXX XXXX and another check for {$12000.00} from a different credit union. On XX/XX/XXXX, the checks cleared and the money was withdrawn from the respective credit unions. On XX/XX/2023, a hold was placed on my Wells Fargo account which does not allow me to access the money deposited until XX/XX/XXXX. I need the money on the 10th. I contacted Wells Fargo today XX/XX/XXXX. The first two people I spoke to ( one was the manager of the first ) told me that the money was on hold. The manager told me that the hold was due to the credit unions ' request due suspicious activity. She was unprofessional in her interaction with me. I told her it did not make sense my account showed that the credit unions had released the money on XX/XX/XXXX. Moreover, neither credit union had informed me of any suspicious activity. She was adamant that was nothing she could do. I was transferred to a third person to file a complaint. She told me that Wells Fargo had the money but that the hold was placed nevertheless due the large deposit being suspicious. I told her that I have banked with them for over 20 years and have made large deposits before. I asked her that if making two deposits instead of one or making a series of deposits different days totaling the same amount would have made a difference. 
She did not know what criteria was used or what is typically used since that is not her department. She said there was nothing she could do as the policies are in place to protect me. The deposits were drawn from accounts in my name and I have made deposits from those credit unions to Wells Fargo in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rightsXXXX XXXX XXXX XXXXXXXX  XXXX account number XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXXXXXX XXXX  account number XXXX, XXXX XXXXXXXX XXXX  XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX, US BANKRUPTCY COURT ID NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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: Debt collection

On XX/XX/2020, I, received a collection letter from Synergetic Communication , Inc, trying to collect on an alleged debt with current creditor : XXXX XXXX XXXX, XXXX, from an alleged original creditor : XXXX XXXX XXXX XXXX I never had anything to do with XXXX, neither XXXX XXXX XXXX XXXX current collection company. I do not recognize this debt, I have no other reason but to believe that I am a victim of Identity theft, the debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights as a consumer to request all documents related to an account reporting on my consumer report. I did not ask for a re investigation i asked for a method was used to determine what was being reported .I specifically asked to see copies of the documents Transunion is harboring to produce such results on my report. Instead of getting the documentation that I asked for I was denied for a reinvestigation. Again, I did not request a re investigation I requested copies of the documents showing where they had the right to report. This clear disregard is an indicator that they are truly not doing there job but instead using automated stall tactics as a way to cover the tracks of wrong doings. Consumer reports should not be handled in such a manner as they effect people 's livelihoods. Attached is copies of what was set to Transunion with guidelines on exactly what I wanted. They received this info and still chose to ignore my request and now I am exercising right right to demand that they either produce the documents that they have on file or correct my report and delete invalid info. This is a clear violation and Transunion is now liable for damages up to {$1000.00} and I will not hesitate to take further steps in order to ensure fair and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found on my report 2 different address that didnt belong to me and somebody elses ss number
Product: Credit card

Application was filed online on XX/XX/29. 
Received a letter stating that additional information needed for application. I called and they needed documentation stating that I was the owner. I submitted the RI copy of the Articles of Organization.

Received another letter stating that additional information was needed. I called in again and was told Articles did not specify me as the owner. Went to the Secretary of State and they told me the Articles state that it is owned by members and no one was listed. They do not update the Articles but can submit a Miscellaneous filling stating that I am a member which was done. Once received, I called Barclays back once filling was completed. I faxed in the Miscellaneous Filling and explained exactly what the state told me. The call center associate told me that was sufficient and it would be approved.

A month later no new information was received and I called into Barclays again. They told me it was not approved. For business credit cards, managers are not on site and require a call back. I was told that it would be in 1-2 business days.

A week later no call was received and I called into Barclays again. They told me to they would request a manager call me again. I mentioned that the Annual Report had been filed in that time and the associate looked up and said it would be denied as well.
Product: Checking or savings account

I have a personal checking account with Chase bank. I have been in the XXXX for over 3 weeks and have been using my debit card without issues until I tried to make a {$1000.00} purchase. I did this while on the phone with a Chase representative who assured me that I have a {$5000.00} a day withdrawal limit. The transaction was declined multiple times. Following this I got an email about fraud on my account. After spending over 2 hours cumulatively on the phone and having my issue escalated I was told the only recourse is to show up to a physical branch with a photo ID ( not possible in a foreign country ) or call a banker whom I have a relationship with ( havent been in a branch in over a decade and do not have a dedicated banker as Im not a private banking client ) and have them vouch for me. I need access to my money but Chase refuses to independently of these two options verify my identity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year> asking them to investigate these accounts XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.
Product: Credit card or prepaid card

I have this Amex XXXX card that was given to me from my employer XXXX XXXX for a reward i received on my team. The amount was {$200.00}. The expiry date on the card XX/XX/XXXX and I tried to use the card in the first week of XXXX and the card already had {$0.00} balance as of XX/XX/XXXX. Although the back of the card says the balance does not expire until end of the month mentioned in the expiry date which is end of XX/XX/XXXX. Technically I should be able to use my balance until XX/XX/XXXX. 

I tried to contact Amex Customer service and escalated opened a case # XXXX and spoke to someone high up on the chain but they did not reissue new card and asked me to send a hand written complaint. 

Need you help on getting my balance back.
Product: Vehicle loan or lease

We sent a payoff check with confirmed delivery on XX/XX/2020 and they have yet to process it as of XX/XX/2020. Every time they are contacted via telephone, they tell us to wait and that it is in processing. The date of the first payment was coming due ( XX/XX/2020 ) and we were getting worried, so we sent them a message in writing through the online account. They claim the check was never received via writing and now refuse to communicate in writing only sending a form message telling us to call every time we send a message. We are looking at additional fees now to pay off the loan ( stop payment, postage and signature confirmation ). Any reputable company would apologize and try to attempt a resolution. Extremely poor customer service on Santander Consumer USAs part. Please help us get away from this terrible company and help spread the word so other consumers are not financially impacted by their poor business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage was bought from XXXX XXXX to Carrington Mortgage in XX/XX/XXXX. Sometime in XX/XX/XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. Carrington also sent notice to the credit bureaus. We spoke with Carrington several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at Carrington and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak XXXX well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. Carrington was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XX/XX/XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with Carrington Mortgage several times about PMI insurance. When we bought our house in XX/XX/XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.
Product: Credit reporting or other personal consumer reports

According to section 602 ( a ) of the Fair Credit Reporting Act 15 USC 1681, it is essential that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and XXXX, being consumer reporting agencies, are bound by this, and as a consumer, I have the right to ensure my private information remains confidential.

This is supported by 15 USC 6801, which asserts that Congress mandates each financial institution to continually respect customer privacy and protect the security and confidentiality of nonpublic personal information. As defined under this title, a furnisher of information to credit agencies is a financial institution.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency can furnish a consumer report only under specified circumstances, primarily with the consumer 's written consent. However, neither the financial institution nor the consumer reporting agencies XXXX and XXXX have obtained my consent to share this information. Therefore, any prior consent given to XXXX, XXXX, or any furnisher of information is revoked, whether it was verbal, non-verbal, written, implied, or otherwise. 

Further, 15 USC 6802 ( b ) ( c ) outlines that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation on how to exercise the nondisclosure option. No such explanation was provided to me by the furnisher of information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that, except as allowed under subsection ( b ), no consumer reporting agency may include
adverse information older than seven years, barring records of crime convictions. This adverse account is being reported again without my permission, which is unlawful.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits anyone from furnishing consumer information to a reporting agency if they know or reasonably believe the information to be inaccurate. Meanwhile, 15 U.S. Code 1681e requires all consumer reporting agencies to establish reasonable procedures to prevent violations of section 1681c and restrict consumer report furnishing to the purposes listed under section 1681b. XXXX and XXXX are failing to maintain such procedures. 

Furthermore, 12 CFR 1016.7 grants a consumer the right to opt out at any time, and I am exercising this right to opt out of your reporting service. 

I have attempted to resolve this matter on several occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX XXXX XXXXXXXX Opened XXXX {$430.00}
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. 
I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Debt collection

i went to the XXXX for my XXXX but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this XXXX not my faultthey sent to progressive management systems collector can you tell me what can i do
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a wrong information on my credit and its damaging my credit and I want it gone