23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or around XX/XX/XXXX I applied for XXXX separate cards with synchrony bank. One ( secured card ) of which I was approved and another ( amazon store card ) which I was not. Upon approval I attempted to find my debit card in order to make a deposit. When I opened my phone up I had been logged out. Shortly after that I logged back in to the account to try and fund it, but there was no such place to do that. So my first step was to reach out to XXXX, which I did. I spoke with several people who claim to have no idea how to fund the account and said that it was synchrony who I should be speaking with in order to fund my account. Shortly after that I reached out to synchrony and they could see the approval but was unable to fund me on there site which lead me back to XXXX.. who lead me back to synchrony. These people are the worst ... XXXX  should cut ties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX tel : XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1681a ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general 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. 
I was not notified, nor did I give permissible consent to add an account without the purchase agreement and report negative items
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$53.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, and XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Santander continues to call my references after I 've asked them, to stop. I never took down the dates but they should have them noted in their system as to how many times a day they call me and how many times they have contacted my references and left messages. Additionally, I asked them in XX/XX/XXXX or XX/XX/XXXX2017 not to call XXXX and they told me they would not because it is a verified phone number for me and a way to stay in contact. Today XX/XX/XXXX, they called me and left a message on my home then immediately called my reference and left a message. I have saved voicemails where they have talked about the debt without disclosing that this call is from a debt collector. They call me 2 to 3 times a day and they have a good confirmed home number so I do n't understand why they continue to call any other number on my file except for the reason to intimidate or harass me in to calling back.
Product: Credit card or prepaid card

XX/XX/23 at XXXX XXXX I have had a credit card with this company for XXXX. I also have another credit card and was trying to talk with this company to transfer the balance of the other card to them. I wanted to work with them to get the lowest APR rate on the transfer amount or, try to get it interest free for a period of time. Everyone I talked to repeated the same thing, could never provide me an APR rate on the transfer and when I asked to talk with supervisors I would be transferred to other people who would transfer me to other people and finally was given a " direct number to our specialty department '' to call for assistance which turned out to be their general customer service department. I was placed on hold for 15 minutes and, twice was disconnected from their system. I realize I am just a small entity compared to what Citi typically deals with however, I find this to be horrible service. Especially when I ask what department manages balance transfers and am told " Customer Service does everything '' which I feel is not true especially with a company this size! The company is Citibank-
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX  {$21000.00} ; XXXX XXXX XXXX  XXXX XXXX  {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report. I am a victim of a data breach, and these items have been fraudulently added to my credit history. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action in removing these inaccuracies. 
Fraudulent 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 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: Other financial service

Both XXXX & XXXX refuse to cash my federal tax return check. They both use Telecheck & XXXX. They say my SSN does not match what they have. We tried it multiple times at each store.
Product: Credit reporting or other personal consumer reports

Trying to get this removed for 2 years it was identity theft
Product: Credit reporting or other personal consumer reports

I have a personal statement on my credit file that I would like removed. The identity theft report FTC Report Number XXXX and statement is no longer useful. This statement prevents me from monitor and improving my credit. because I can not get a credit report from transunion. I am requesting that this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Checking or savings account

I filed a claim onXX/XX/XXXX and was told that once the transaction posted I would receive a temporary credit within 12 hours its almost 4 days later and I have not received the credit. all I have received if different bull XXXX responses from reps as to why the credit was not processed -- the merchant after I threatened to sue refunded the amount -- instead of still applying the temp. credit I am being made to wait another day for my funds. As a customer I am looking for another banking institution because I do not like how this situation was handled. I should not get 4 or more different versions of a policy and as a customer am now going to be without funds that were fraudulently taken from my account for almost a week. I had better response from the company who fraudulently charged my card than from my own bank ..
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 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX 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: Debt collection

I sent my very first debt validation letter on XX/XX/XXXX via certified mail asking Kross, Lieberman and Stone to send me valid documentation proving that I owe them {$90.00}. I am aware that I used the Dental Services of XXXX XXXX back in XX/XX/XXXX. However, the charges were submitted and paid by my XXXX XXXX XXXX. I am unable to ascertain why I owe {$90.00}. In addition, the generic print-out that they sent actually shows that my dental insurance did pay. Are they balance billing me, if so, this is illegal. 

In response to their correspondence dated XX/XX/XXXX, I sent a second request for validation in XX/XX/XXXX via certified mail asking them to explain and breakdown the requested payment. The company simply sends me the same generic print out and in theIraq last response they included a copy of my drivers licence and a copy of my dental insurance information form. None of this helps me to understand their request for XXXX In addition, this bogus request has been removed from my XXXX and my XXXX credit files because the information they submitted for validation was insufficient. However, they are still reporting get erroneous information to XXXX. 
.
Product: Credit reporting or other personal consumer reports

I disputed with TransUnion on multiple occasion and Transunion Deliberately refused to comply with FCRA section 15 U.S. Code 1681e ( b ) which states : " ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' TransUnion claimed that they verified the information from Bankruptcy court. The court states in the letter that they do not provide anything credit bureaus. 
TransUnion is falsely claiming that the Bankruptcy court is the furnisher and that is false. 
I did my own research and found out that XXXX is the data furnisher. TransUnion refused to noted that XXXX is the data furnisher in violation of FCRA. 15 U.S. Code 1681s2 which stated that : " ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' FCRA. 15 U.S. Code 1681s2 ( b ) specifically prohibit TransUnion and XXXX from furnishing inaccurate information. TransUnion and XXXX are so bold in their disregard to FCRA and CFPB that they will not even bother to investigate this but wait out for 60 days and close it because they know that CFPB will not do anything. 
Under FCRA. 15 U.S. Code 1681s2 ( b ) I have a right to legal action against Transunion and XXXX. 
FCRA stated as follow : ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. '' Under this I have a right to personal legal remedies. 
XXXX send me a letter with the copy of bankruptcy and when I pointed out that I never reside at the address mention in the bankruptcy XXXX deliberately refused to answer the inaccuracies knowing that CFPB will not compelling them to follow FCRA. 
XXXX, XXXX XXXX and XXXX already removed the bankruptcy. Only XXXX and TransUnion are refusing to do an investigation. TransUnion will deliberately closed the the dispute within XXXX hours and tell me it is verified even though on the report is show that last updater is XX/XX/2022. The last time they attempt investigation. Now they are no longer doing investigation but just close the investigation without doing investigation under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquires from XXXX XXXX and I did not apply for any credit with XXXX XXXX and did not authorize them to pull my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company pulled a hard credit inquiry on my credit. I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Someone opened an online account in my name. I have sent letters, called ( I can't answer security questions because I did not set up account ) I have a police report for this fraud, sent an identity theft letter x2 and get no response. They just send me bank statements. 
USSA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX I have never served in Military I did not open this account
Product: Debt collection

This account has already been disputed with my bank. Also in the Florida state attorney 's office and both were favorable for me.
Product: Debt collection

My name is XXXX, a federally protected consumer, and I am making this complaint against ( National Credit System ) for committing identity theft. I have never given ( National Credit System ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with ( National Credit System ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ( National Credit System ) any right to collect on this alleged debt. I have never received any documentation requesting validation from ( National Credit System ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit System ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit System ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit System ), continues its collection efforts, I will file for litigation for actual damages caused and, ( National Credit System ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

We are first time homeowners. I had applied to Rocket Mortgage, previously known as Quicken Loans for a mortgage. I did pre-approvals with a few different lenders to compare rates including other well known lenders such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX had provided the lowest estimate by far, like almost too good to be true and in fact it was. We had asked a few other lenders if they would match and everyone one of them said it was not possible since the rate was so much lower than anything they had seen. Literally a competing loan officer said " run, dont walk '' to get that rate. 

Rocket Mortgage, loan officer name XXXX XXXX NMLS # XXXX, told us we'd be able to get a rate of 2.0 % with no points for our loan ( including relationship discount w/ XXXX ). We excitedly paid the {$500.00} deposit to lock in that rate. However, when our loan estimate processed, we noticed it was not what we were verbally communicated over the phone. XXXX assured us that everything will be ok but that he did not want to put the real rate in so that we couldn't send it to a competitor. That seemed reasonable to us at the time. 

Slowly things started to unravel. Many calls and emails went to Will to see if he could get our loan estimate updated because we were uncomfortable proceeding with inaccurate information and a lot of money was at stake. He said everything was fine and that his team would take care of it ( see attachment ). Nearly 3 weeks elapsed and still nothing. 

Finally got ahold of someone that looped in his supervisor and when we informed him of the situation he basically told us to get lost. At this point 2.25 % was the best they do, even though we paid for a rate lock and every previous communication was that we would be able to close with 2.0 % no points. At worst this is fraud / predatory / bait and switch / lying / deceit / scam whatever you want to call it. At best, XXXX is a terrible mortgage broker that should have his license revoked. 

Had they communicated at literally any other time that this was not possible, we would have gone with another lender. Now our entire home buying process is in jeopardy because of their negligence.