23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have notified Capital One Auto Finance on several occasions about a fraudulent account that was not set up/established by me. I'm truly a victim of identity theft as well as true name fraud. I do have the perpetrator that established this account using my information without my knowledge nor my consent. 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. Capital One Auto Finance account number:XXXX, with a fraudulent balance of {$15000.00}. 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has caused us financial hardship, costing us potentially close to {$90000.00}. 

We were ready to lock in our interest rate at 2.7 on XX/XX/21. Our mortgage loan officer called and said something showed up on my credit report. I was confused because weve never had credit issues and pay our bills EVERY month. 

After two days of speaking with people at synchrony bank I was finally able to talk with someone in upper management. Here is what she said : I cant really see where the issue took place. Yall paid every month. The only thing I can see that MAY have happened is there was a {$2.00} interest charge that kinda fell between the cracks. The only thing I can do is draft a letter to the credit bureaus asking them to provide you all a courtesy of taking it off of your record since you never missed a payment. 

Synchrony Credit never once called us asking for the {$2.00} that we had no idea existed, if they had I would have gladly given them {$20.00}! 

We paid our bill every month and had no way of knowing we owed {$2.00} worth of interest. 

This MISTAKE by Synchrony Credit has now caused us to be unable to lock at 2.7 and now either accept 3.3 or wait until XXXX and pray instrest rates stay low AND hope the credit bureau does us the COURTESY and scrub the mistake from my credit. 

At this point, regardless of if the credit bureau will accept Synchrony Credits responsibility in this, we can not lock in the interest rate because of a damaged credit score that we played no part in damaging. If this mishandling by Synchrony did not have such poor timing, while we are closing on our home we have been building the last 6 months, we may have never known what they did! This very well may cause financial hardship for the next 30 years, even if the my credit report is fixed. If this is to be case, at the very least Synchrony Credit should have to pay the difference this will cause monetarily for the loan, if not more for causing undo stress and harm. 

This MISTAKE by synchrony credit, as it sits now, has costed us almost {$90000.00} over the life of the loan for a {$2.00} interest charge we never knew anything about! 

When you go to their XXXX  page, apparently this is common for them. I saw so many posts from people who have had their credit scores drop because of these MISTAKES by them.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Somebody stole my identity and opened two checking accounts in or around XXXX of 2020 at Chase bank. I figured this out when Chase sent me a debit card in the mail. 

I called Chase customer service for the first time soon after receiving the debit card to let them know it wasn't me who opened the accounts and to close them. They said they would close them. I destroyed the debit card. I thought the matter was taken care of. 

I have since received three mailings from Chase. First, I got checking summaries for both checking accounts for XXXX. It said there was a beginning balance of - {$220.00} and - {$220.00} for each account, respectively, but it was Charged Off ( guessing that means cancelled? ) and the ending balance was XXXX. I was concerned that the accounts seemed to still be open, though, so I called Chase again. After a long time on the phone and being transferred multiple times, they assured me the accounts were closed, and told me to report my stolen identity to the credit bureaus, which I did. 

Since then, I got collections letters from Chase for both accounts two times. So, 4 collections letters total. One set was dated XXXX XXXX, 2020. The other set was dated XXXX XXXX, 2020. They were both asking for the {$220.00} and {$220.00} that the previous letters said were Charged Off to XXXX. I called Chase again. They kept me on hold for a very long time and bounced me from department to department. They told me that they didn't have a record of my identity theft, even though I had already called them twice about it. 

In my most recent call on XX/XX/XXXX, I eventually I got sent to a woman named XXXX ( I think? ) in the Fraud department. She was talking about sending me a correspondence packet that would allow me to officially report that my identity had been stolen, and presumably stop Chase from sending me any more collections letters. I had been on the phone for over an hour by the time I talked to her. I asked her to send me some sort of email confirmation that we had talked and that the correspondence packet was on the way, since nobody fixed or even internally documented anything after my previous calls. She refused to send me an email confirmation. I asked her to hold for a moment while I talked to my husband, an attorney, for what other type of documentation would be acceptable for a paper trail. I talked to my husband for under 2 minutes, I went back to the call, and XXXX had hung up on me. 

I contacted Chase customer service on XXXX that evening. I told them about my situation and how I got hung up on. They told me they wanted to help me, but I'd have to call them. I declined. 

I have spent several hours at this point dealing with accounts I never opened at a bank I don't do business with because my identity was stolen. I am not responsible for this. I have tried MULTIPLE times to resolve this and Chase has not cooperated, and seems to have actively tried to make it hard and frustrating, I'm guessing so I'll give up and pay. I will not give up and pay.
Product: Mortgage

On XX/XX/XXXX I notified XXXX XXXX  that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with XXXX XXXX  on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment XXXX XXXX drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to FCI Lender Services , Inc. effective Thursday XX/XX/XXXX but according to FCI Lender Services the loan was transferred by XXXX XXXX with very little information. FCI claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. 

After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately XXXX XXXX did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to XXXX XXXX on my behalf. I then immediately call XXXX XXXX and was told that they had an entire servicing team which FCI can contact and request clarification if there are any missing documents. 

I have attached the most recent Payment Statement sent by FCI, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with XXXX XXXX as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to FCI Lender Services at XXXX. 

I am requesting that FCI waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with XXXX XXXX. If FCI has additional questions I am requesting that they reach out to XXXX XXXX. 

I am also requesting that XXXX XXXX  send me a payment history of my account as well as send all relevant information to FCI.
Product: Credit reporting or other personal consumer reports

Navient student loan opened XXXX. Amount {$2100.00}. This was supposed to be under forbearance from XXXX but it was never documented as so and it was documented as late payment.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 
13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 21. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX
Product: Debt collection

While completing my taxes I discovered a charge on my Debit card of {$740.00} from XXXX XXXX, from Commonwealth Financial. There was no phone number. I XXXX  the company and found the phone number disconnected. 

I discovered a link to CFPB of this company which engaged in fraudulent debt collection services. I do not recognize this company name and never did business with them. I have contested this through my XXXX  XXXX
Product: Checking or savings account

Wells Fargo paid a settlement to which I am entitled to a portion
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

Since XX/XX/2016, the loss of use of this vehicle due to the negligence of XXXX. Byridder 's claims has been greater than 115 days. 
This is completely unacceptable. We have continued to pay the car payments due, yet, have had no use of the car in over three months. 
Although XXXX. Byrider claims no to sell cars with salvaged, restored or rebuilt titles because as they say " Cars with branded titles often 1 ) Wear though tires more quickly, 2 ) have mechanical issues 3 ) have a significantly lower resell value 4 ) May have Safety Issues ''. 
XXXX, states that this XXXX XXXX XXXX would be included in the Buy Back Protection program. We were never offered XXXX or Buy Back Protection. 
On XX/XX/2016, when were in the process of the purchase of this vehicle we were presented with XXXX-XXXX different XXXX reports that did n't belong to the car we were planning to purchase. Unclear why it was so difficult to get us the right one the first time. The XXXX XXXX that we were presented with finally on the XXXX mentioned nothing on the unaddressed recalls on the vehicle and lacked previous records. 
Also, on XX/XX/2016, XXXX. Byridder did not provide a Buyer 's Guide to us on the XXXX XXXX. There was nothing in the vehicle window nor any Buyer 's Guide provided at closing. There was no price posted in the window, as well. 
When we sat down with the General Manger, XXXX, and he presented us with a Preliminary Purchase Worksheet. He had the price of the car listed at {$11000.00} & trade difference listed as {$11000.00}. However, we asked about the {$4000.00}, incentive deduction that they had going at the time. At that time XXXX, wrote in {$15000.00} & wrote in - {$4000.00}. So instead of the selling price of the car to be {$7900.00} it was now {$11000.00}. XXXX stated that he had already deducted the {$4000.00} before bringing us the paperwork. However, the paperwork does not represent the same. The car at the time of purchase had XXXX miles as of today XX/XX/2016, the car XXXX miles. The XXXX XXXX XXXX value of the car in Great condition is {$1500.00}. 
We believe these matters with XXXX. Byridder needs be addressed immediately. 
XXXX and XXXX XXXX are requesting that XXXX. Byridder, XXXX, XXXX XXXX XXXX and all affiliates release XXXX XXXX XXXX & XXXX XXXX XXXX, from any further financial obligations. Clear this car as paid- with only positive reporting to all XXXX credit agencies and refund the monies paid on the vehicle to this of {$2600.00} point due to the loss of use since XX/XX/2016, and at that time we will release the vehicle back to XXXX. Byridder. 
Out of less than 180 days the vehicle has been at XXXX. Byridder in XXXX, greater than 105 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U S Code 1681 section 602a ( 4 ) states that consumers have the right to privacy. My rights as a consumer has been violated by the company list below. XXXX XXXX, XXXX Acct. # XXXX. 15 U S Code 1681c ( a ) ( 4 ) ( 5 ) states that except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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 Code 1681-2 ( B ) ( i ) the PERSON has been notified by consumer at the address specified by the PERSON for such notices that specific information is inaccurate. I have notified this company by disputing with them, CFPB, XXXX, and credit reporting agencies.15 U S Code 1681b ( a ) ( c ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I never gave written instructions for this company to furnish anything on my consumer report.15 U S Code 1681a section 603 ( d ) ( 1 ) states the term " consumer report '' means any written, or, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establish the consumer 's eligibility ; ( 2 ) EXCLUSIONS ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company has report damaging transactions or experiences that has affected my credit standing, credit worthiness, general reputation, and my mode of living. 15 U S Code 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I never authorized any interest, fee, charge, or expense for this debt. The debt is charged off to profit and loss. I received a 1099-C form from the company.15 U S Code 1692e ( 2 ) ( A ) the false representation of ( A ) the character, amount, or legal status of any debt is a violation. The amount and legal status of this debt is inaccurate. My consumer report states that the account is listed as closed. It is still being reported as in collection with a balance of {$8300.00}, monthly payment of {$190.00}, and a payment history that is reporting transactions or experiences which is excluded under 15 U S Code 1681a ( 2 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 10 months I have sent in disputes, disputing the negative items on my credit report as of todays date the only thing that was postive done on my credit report was that Equifax removed the bankruptcy from my credit report Eperian and XXXX have not removed the bankruptcy nor have they made any major change on my credit report.My personal information is STILL INCORRECT AND THERE ARE STILL INACCURATES ON MY CREDT REPORT!! All 3 credit bureaus ARE in violation of FCRA -FAIR CREDIT REPORTING ACT, MYname is incorrect see : social security card! this my last attempt for all 3 credit bureaus to correct and delete all items from my credit that I attached with this complaint if not I will consult an lawyer and file a law suit see : attachment!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX XXXX XXXXXXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the CRA Experian. Experian verified these accounts and sent me my results via email, which I did not ask them to. I requested method of procedure in regards to the XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX accounts. As of XX/XX/2022, I have not received those results. Experian opened up another dispute instead of sending the requested information. There is no indication of dispute comment noted on any of these accounts as of XX/XX/2022. Experian has violated my consumer rights. Experian has violated 1681c ( f ) and 1681i ( 6 ) ( B ) ( iii ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

BY REPORTING THES INACCURACIES YOU ARE IN VIOLATION OF 15 U.S.C 1861b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a huge amount of injury