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

I have been disputing and trying to erase fraudulent accounts from credit report. I am a victim of identity theft. I've requested to have certain addresses and phone number removed. I have never lived on XXXX XXXX XXXX XXXX XXXX, never lived on XXXX XXXX XXXX XXXX Never had credit cards in my name. My identity has clearly been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the XXXX. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced XXXX from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over XXXX, mine never made it past low XXXX. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and XXXX practices?
Product: Credit card

I was notified by Discovercard on XX/XX/2017 that due to a change in my credit profile, they were lowering the available credit. Nothing has changed in the last year, I have never made a late payment to Discover or any of my other creditors, my debt ratios have been the same, I have not applied for any bank loans, my last bank loan was exactly 1 year ago. What did change was I accepted a balance transfer with Discover for a 0 % promotional interest rate offer good for 1 year. Now that Discover has lowered my available credit, I am forced to start paying back this balance transfer early. This bank changed the terms, even though I have a near 3 year relationship with them, with perfect credit, no missed payments ever! Since I already paid the balance transfer fee, I am out those funds, without the full value of my 0 % APR!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was in a car wreck on XX/XX/XXXX when I was hit by a driver who said he fell asleep at the wheel. I have been dealing with his insurance company XXXX to have them send the payoff check to Santander consumer USA. The check was sent off on the XX/XX/XXXX and has still not been posted by Santander. Ive called Santander each day and they are rude and unhelpful. The car was totaled and Im waiting on them to post the lost check from XXXX so I can get a new car. Im very frustrated with Santander and they are not providing me any information on getting my claim resolved.
Product: Credit card or prepaid card

I applied for a Target Credit Card in XXXX of XXXX. I charged the account that day since the cashier did my application and gave me a temporary bar code. The amount was about {$3.00} and some change. They stated I would receive my card in the mail but I did not receive it and I was so confused about everything that I thought I had paid cash back in XXXX, so I thought I decided not to put a balance on it until I received my card. Months went by and I decided to call to see where my card was, because you normally do n't get any bills when you do n't have a balance on a credit card. Then they sent me to the collections department of Target and said I owed about {$7.00} and some change. I told them I did not receive my card or any bills at my address. They later said that I gave them an incorrect address and everything was being forwarded back to them. They also said I gave them the wrong address, when I remember giving the cashier at Target my driver 's license that has my address. I paid the amount I owed, and they took off any charges on their end and said for me to call within 24 hours, so I did. Then later I told them that this is affecting my credit, and it should not affect it because it was their error. They stated they would send me some sort of form to submit to the credit bureau, I did n't receive that either. So now I ask for them to fix this because I did not receive anything from them and I should n't be punished by having a horrible credit score, just because a retail store can not get an address correct.
Product: Checking or savings account

I opened my new checking account and the offer was to receive a new account opening bonus after 60 days of completing offer. I opened the account mid XX/XX/XXXX and fully funded the account Mid XX/XX/XXXX. I called to inquire about the status of the bonus last week around XX/XX/XXXX and they told me it would be ready in 2 more days as it would pass the 90 day mark. I called today XX/XX/XXXXand now another phone representative is stating i have to wait another month. It seems they do not know and understand the products they are selling and giving me the roundaround. If two employees tell me two different things then who's information am I suppose to respond too.
Product: Mortgage

Wellsfargo services my home mortgage ( Loan # : XXXX ) from XX/XX/XXXX - XX/XX/XXXX. The first issue is that I was informed by the loan officer that I only qualified for a 20 year mortgage prior to closing after all of documents indicated a 30 year mortgage. The loan officer informed that I should pay on the 20 year mortgage for 6 months and refinance to a 30 year mortgage. I completed the process to refinance into a 30 year FHA mortgage in XX/XX/XXXX and the original FHA loan was XX/XX/XXXX. My second issue is that Wellsfargo requested {$3100.00} from HUD in XX/XX/XXXX by informing HUD that I was behind on my mortgage. I was not late or behind on the mortgage in XX/XX/XXXX. I actually refinanced the mortgage in XX/XX/XXXX from Wellsfargo to XXXX. I would not have been able to refinance the mortgage in XX/XX/XXXX if I was late/behind on the mortgage in XX/XX/XXXXas indicated by Wellsfargo to HUD. I was not aware of the {$3100.00} mortgage taken out on my home untiXX/XX/XXXX by the title company that is handling the sell of my home. I did not sign documents for the {$3100.00} mortgage. Finally, I am in the process of working with Novad Consulting due to Wellsfargo negligence of not filing the cancellation with the Clerk of Court office. I had to pay for the shipping for XXXX to XXXX me the cancellation due to immediate closing date on my home and I must pay the filing fee at the Clerk of Court to file the cancellation of {$3100.00} that was erroneously take out on my home in an effort to clear the title for sale of the home. I have attached the mortgage that was filed with the clerk of court in XXXX XXXX XXXX. Wellsfargo attempted to file the cancellation, but the mortgage was sent back by XXXX XXXX XXXX  Clerk of Court due to a president not signing the mortgage and Wellsfargo did n't send the corrected cancellation back.
Product: Debt collection

XXXX XXXX / First Source Advantage is calling my phone number. After researching the number I learned that this collection agency will call friends and relatives and discuss personal business against federal law. This letter serves as notice that THIS IS NOT VALIDATION OR VERIFICATION OF A DEBT. All calls to XXXX must cease immediately. No contact whatsoever. No further information will be given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX due to my 100 % XXXX VA rating in XXXX and XXXX of 2020
Product: Payday loan, title loan, personal loan, or advance loan

I notified Uplift on XX/XX/ about a XXXX XXXX purchase that did not occur, but their system was showing I had a loan that originated on XX/XX/. However, the merchant, XXXX XXXX verified that I did not make a purchase. 

As of XX/XX/2023, this Uplift loan is still active in Uplift with an upcoming payment schedule.
Product: Debt collection

XXXX XXXX is contacting me regarding a debt they are claiming I owe, date of service starting XX/XX/2014. I replied to them that I was stationed in XXXX XXXX, AL until XX/XX/2014 and was not in the same state that the service was rendered. They are demanding my social security number, a police report identifying a suspect, and a utility bill proving my location. 
I advised that the XXXX does not provide utility bills when you are stationed in the barracks. I have my XXXX proving I was in XXXX XXXX AL until XX/XX/2014 and I have provided my bank statements showing that I was using the XXXX XXXX until early XX/XX/2014, proving that I could not have been in the same state they claim the services were opened. They are claiming the debt has been " verified '' - they have sent me paperwork with the wrong address, the wrong telephone number, and an illegible signature they claim is mine. I have provided multiple documents proving that my address had changed and that I was nowhere near the service location at that time. I have disputed this debt with all three credit reporting agencies and they have removed this debt from my account. However XXXX XXXX continues to harass me regarding this debt and will not respond to my questions regarding confirming or denying the debt.
Product: Credit reporting or other personal consumer reports

I am without prejudice the Agent AND NAME HOLDER XXXX XXXX heir FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THIS IS NOT A DUPLICATE COMPLAINT ANY COMPLAINTS MARKED DUPLICATE SHOWS CONSPIRACY TO DEPRIVE RIGHTS. Today got a credit monitor alert stating account reported as delinquent when account is not delinquent or in default. XXXX XXXX XXXX XXXX IS IN DISHONOR AND HAVE FAILED ITS XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS STOP MY ACCESS TO THE ACCOUNT BUT HAS BEEN USING IT FOR PERSONAL GAIN, XXXX HAS MADE PERSONAL CHARGES TO THE ACCOUNT. We dont have access to our own credit but NFCU get to use it as it please. Whos protecting the rights and interest of the people from dishonor, corporate corruption and securities fraud?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 30.5K financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, 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.

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ) appearing on my Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

XXXX XXXX Synchrony Bank issued a complaint in the District Court For XXXX XXXX XXXX. Synchrony Bank stated that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX : {$340.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am writing to formally notify you of my concerns regarding your debt collection practices in relation to my account with Santander Consumer USA, account number XXXX, for the auto loan associated with the balance of {$15000.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I believe your actions are in violation of 15 U.S.C. 1692c, which governs when and how debt collectors may communicate with consumers. Specifically, I have experienced the following : Inconvenient Contact Times : On [ Date ( s ) ], you contacted me after XXXX XXXX, which is in violation of the FDCPA. I request that you refrain from contacting me during these hours going forward. 
Failure to Cease Contact : On [ Date ], I sent a written request to cease all communications from your office. However, I have continued to receive calls and/or mail, despite my request. I demand that you immediately cease all further communications with me. 
Unlawful Third-Party Contact : If applicable, I would also like to bring to your attention that I have been contacted by a third party regarding this debt, in violation of the FDCPA. Under the FDCPA, a debt collector can not disclose information about my debt to any third party without my consent. 
I hereby request that you immediately cease all communication with me, as required by the FDCPA. If you continue to contact me in violation of the law, I will have no choice but to report your actions to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may pursue legal action. 

Please confirm in writing that you have received this letter and that you have taken the necessary actions to cease all communication with me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of 15 USC 6802.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXXXXXX XXXX is in violation of ( B, C ). I was not given opportunity to have my information NOT be disclosed! And was not not given the chance to excerise the nondisclosure option. Also this said account is a charge off which is consider a certificate of indebtness ( income ) WHICH CAN NOT BE ON MY CONSUMER REPORT Please make them aware that i am prepared to take legal action if this violation isnt fixed IMMEDIATELY UPN RECEIPT OF THIS COMPLAINT
Product: Checking or savings account

DATE OF TEXT : XX/XX/21 @ XXXX FROM XXXX ( XXXX ) XXXX CITI ALERT : WE CANCELED AN UNAUTHORIZED WIRE TRANSFER OF {$1500.00} ON XXXX, CLICK HERE HTTPS : XXXX FOR VERIFICATION! THANK YOU THIS IS A SCAM
Product: Credit card

Chase bank is reporting a charged off credit card on my credit file. I have requested the debt be validated and have yet to have any documents furnished. I recently recieved a cancellation of debt from the IRS on XXXX/XXXX/2015, which shows that Chase has written off the debt and has left with the tax burden .Also they are reporting and still actively trying to collect the full amount of the debt as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, USDOEXXXX, XXXX Account # 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 or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX DATE XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Equifax is reporting inaccurate credit information on my credit profile after I have submitted numerous disputes via mail, phone and online and provided documentation proving the information is inaccurate. I am very distressed that Equifax has continued to include inaccurate information regarding XXXX XXXX on my credit profile due to its damaging effects on my good credit standing. I am sure they are doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle when applying for a home loan.XXXX  XXXX XXXX is Auto Loan opened in XX/XX/XXXX the car was deemed a total loss and covered by GAP insurance. You are reporting on a payment on XX/XX/XXXX and also on XX/XX/XXXX the account was charged off which is incorrect. The account was charged off on XX/XX/XXXX. There has never been a payment made on this account since XX/XX/XXXX. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed or updated correctly ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Account Number : XXXX Also they are continuing to report an account from XXXX XXXX XXXX that the creditor deleted and reported to Equifax on XX/XX/XXXX. The online dispute service they provide on-line rarely works.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries that I do not recognize. Also I feel that I should not have to send my identification to get my information that they have no rights to. My scores on the XXXX are way lower than on the 3 major credit reports.