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

I was issued a 1099c for three ( 3 ) charged off credit cards, Synchrony Belk, Synchrony Home and Synchrony PLLC., however my XXXX credit report info does not reflect a discharge of debt. I have attempted to resolve this issue by phone, by calling both Synchrony bank over six or more times and still no resolve. I have also attempted to dispute this via XXXX over 6 or more times and still no resolve. This issue have been unresolved for over 9 months. 
See attached my most recent dispute attempt with XXXX and how my information have been reported currently. XXXX have also been rude and belligerent towards me in my attempt via phone
Product: Credit card or prepaid card

On XX/XX/2017 I received an email from XXXX showing I had opened a new account With XXXX XXXX for a XXXX XXXX XXXX XXXX credit card The application for this card was approved by Fortiva in the amount of {$5000.00}. A purchase was made the day the card was approved for {$4300.00}. I contacted Fortiva to advise them that I did not open this account. Fortiva representative said my credit was was checked through the credit bureaus and was approved. I in formed them that I have had a credit freeze on all three bureaus since XX/XX/2017 and that they could not have seen my report in order to approve the application. I also checked with all three bureaus to see if my freeze was still in affect and it was and also checked with all three to see if an inquiry had been made by Fortiva. Each bureau stated no activity on any requests from anyone. I contacted XXXX XXXX Fraud Dept. and explained the situation. They stated that my credit had been checked and again I told them it was impossible to to check my credit because of the freeze on all three bureaus. They still insisted it was checked. I informed them that someone in their company had to approve the application without checking my credit and they should investigate who approved it. On XX/XX/2017 I received the XXXX XXXX XXXX XXXX  credit card and I received a bill from Fortiva ( attached ).
Product: Credit card or prepaid card

Date back to mid-XX/XX/XXXX this year, my Citibank credit cards were all closed by the company with no reason. 

I have used Citibank for checking account and credit cards for a quite long time ( two years ). During the time, I always paid full for my credit cards balance, never produced problems, and never used it inappropriately. I even didn't ever make a dispute. Citi prestige card was even my favourite card and I brought it out everyday with me. 

I am a US resident alien and applied for card in-branch. I meet all the eligible requirement for the card. During the time I held the cards, I always paid full, rarely did refunds. I even rarely used the benefits for the cards. I used the card with me for everyday purchase. I can even recite the card number as I really used it a lot with online purchases. During the time I held the checking account, I believe I also did very well. The branch is just 2 minutes walk from my office of employment and I always had good time there. I really don't feel I did anything wrong. At least I should have a chance to defense for my self. 

The closure of the accounts with no reason is very disappointing and unacceptable. Moreover, after account closure, I called multiple times ( and also wrote to the executive unit as suggested ) about the reason of the closure of the account. Never got a mail or reply back, which is more disappointing. Moreover, the annual fee charged for both card should be working for a whole year, but during the middle of a membership year, my account was closed by Citibank, but annual fee still not refunded.
Product: Credit reporting or other personal consumer reports

Credit bureau has not acknowledged my previous letters regarding incorrect information on my credit report such as names addresses phone numbers employment.
Product: Credit reporting or other personal consumer reports

There have been several accounts that appear on my credit report that doesnt belong to me. I have attempted multiple times to clear this matter up but to no avail. XXXX5 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Student loan

My student loan servicer Great Lakes was directed by their parent company Nelnet to transfer all loans to the Nelnet administration which was done without the permission of the person loaned to ( myself ). All autopay have been cancelled, as of today I still can not access or pay towards my loan. I can not even register a new access account at Nelnet until they register the transfer Contacting Nelnet today - XXXX XXXX XXXX XXXX at Nelnet XXXX, Nelnet does not have my loan information. They will not provide me access to my loan. I can not pay towards it nor can I pay it off. Basically according to their records my student loan data is lost within their questionable system. 

I need immediate access to my loan so that I can pay off its balance.
Product: Debt collection

I was applying for a home loan and found out that I had a debt with " MRS Associates '' that was in collections. I did not recognized this debt. I contact them to find out about it and they said it came from XXXX XXXX. Even though I knew and communicated with them that I had already closed my account with XXXX XXXX  due to relocation, I didn't have supporting documents so I decided to pay the amount they claimed I owed as I needed that report removed from my account to be able to get my home loan approved. That was back in XX/XX/2020. I filled out a dispute so the report was removed from my credit report which they did. Now, I am trying again to get a home loan and the loan company is asking me for a letter where states that this account was paid and deleted, but when I reached out to MRS associates they wont provide me with any information. No statement, no letter, nothing. I am stuck right now because the loan will be approved with higher rates due to this report and MRS is not giving me options. I don't know where or who to contact anymore. I have reached out to different phone numbers and they cant help me. The last associate I spoke to " XXXX '' was horrible and wouldn't give me any options
Product: Credit reporting or other personal consumer reports

The Following inquiries were made on my account without my knowledge. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to 15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX  Inquiries Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open
Product: Bank account or service

I am a Private Banker the Promissory Notes presented to Wells Fargo are my personal Banker 's Notes which are seen as cash according to 31 U.S.C. 5103 and 18 U.S.C. 8 they are legal Negotiable Instruments. UCC 4-302 makes Wells Fargo liable to me. 
Because Wells Fargo did not honor my promissory notes created to payoff peoples property. 
I DEMAND Wells Fargo send me cash-able checks equal to my Bankers Notes which Wells Fargo has in it 's possession. Bank policy does n't out rank Uniform Commercial Code, United States Code and operation the way the Federal Reserve XXXX clearly states how every bank in the United States does. 

When I was told the promissory notes were worthless I did a test. I created a promissory note wrote my contact info on it, then sent it to to U.S. Treasury via the IRS. I also included a letter requesting to be contacted if what I was doing was against the law. I was never contacted. 
This complaint was created because CFPB needed more info after they received my complaint about promissory note dishonor from the WhiteHouse.
Product: Mortgage

My mortgage company recently pulled my mortgage payment on XXXX XXXX for my XXXX payment. The company then helped themselves to another mortgage payment on XXXX XXXX without my knowledge. I called the mortgage company to see what was happening and had an unapologetic person on the phone that said they made an error and will refund the money by hopefully Monday ( XXXX XXXX ). The mortgage company successfully wiped my accounts clean and I am now borrowing money to make ends meet. I am calling my credit card companies to please not pay themselves so that I can avoid overdraft fees. 

This is unacceptable for anyone to take my hard earned money and take all my money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

Why Im still receiving emails for the bureaus saying Im helping by credit repair companies which is definitely NOT TRUE. I'm the one who send out the letters. Please make an action now! or i will sue you. Heres the list of inaccurate accounts and inquiries I want to remove. 

Equifax : EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Checking or savings account

Hi there! Hope that you are keeping well. 

I was informed earlier my checking account could be closed due to inactivity but I made a transfer immediately. Chase Bank still closed my account anyway. I need the account to pay bills. 

Please help. Thank you so much in advance!
Product: Credit reporting or other personal consumer reports

I've had XXXX XXXX for about 2 years +/- Previously I had XXXX. 
I had XXXX XXXX in Florida until XX/XX/2024 I then changed my address with XXXX in XX/XX/2024. 
Same Car, Same Person ( me ) same insurance policy, Same driver 's license. 
the only change made was updating my address to my new Alabama residence. 
When XXXX sent me the " new '' policy, They showed me as having 3 " at fault '' accidents. 
They received the information from LexisNexis. 
My old policy with XXXX showed the correct information as all " not at fault '' accidents. ( XXXX XXXX before the change of address ) I sent XXXX a letter that was sent to me from XXXX showing all such accidents as reported by LexisNexis as " at fault '', were " not at fault '' 2 of such " at fault '' accidents occurred when I was hit by another vehicle, while my automobile was legally stopped, such as stopped at a red light. 
My insurance is very high now. My credit score has been damaged. 
Nobody is working with me ( XXXX or LexisNexis ) what's worse, is I have no idea what else LexisNexis may have on my report. 
I'm afraid to apply for my XXXX XXXX XXXX in Alabama, I'm in the process of buying a new home. 
I'm not sure as of yet the extent of damage that LexisNexis has falsely created. 
I have the documents from XXXX who was my insurer at the time I supposedly had " at fault '' accidents. They identify me as NO Fault. I have " good drivers '' on my driver 's license. I've not had a ticket or at-fault accident in over 16+ years. 
I sent my Driver 's license to Lexis Nexis, my SS #, and the " no-fault '' letter from XXXX. I sent in the " no Fault '' to XXXX. 
Nothing has changed, This is a huge burden on me. 
I'm elderly : XXXX, XXXX and I find this unacceptable. 
Thanks for looking into this matter. I'm at a loss as to where LexisNexis received this false information. About 2 years ago, I also reported probable Identity Theft to FBI, XXXXXXXX XXXX, etc.
Product: Debt collection

When applying for new home and auto insurance they found I had a negative element on my credit report. I have pulled all 3 and only XXXX had a negative element. 
Sequium Asset Solutions lists a collection account for XXXX XXXX. 

I have disputed this with XXXX online. 
I have tried to call Sequium and " all representatives are busy ''. 
I have called XXXX and they stated " there is no account for my address ''. They could not locate an account with the limited information Sequium lists on my credit report. 

I have never had an account with XXXX.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

In or around XX/XX/2022, I retained Universal XXXX Services , Inc. because TransWorld Systems , IncXXXX was reporting a collection account on my credit files and I never received written notice. Counsel requested that TransWorld Systems , Inc. verify the debt, but they have not provided the requested information adequately verifying the debt. In fact, TransWorld Systems , Inc. has violated multiple laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Money transfer, virtual currency, or money service

I have called to try to get through to someone and can not get a representative on the phone to tell me why my account was closed without my authorization when my account was current and had a XXXX  balance
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding an account on my credit report that I believe is a result of identity theft. The account in question is with XXXX XXXX, and it was reported on XX/XX/year>. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$710.00} - Credit Limit : {$400.00} - Account Type : Charge Account - Responsibility : Individual Account - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher, First payment never received I am disputing the accuracy of the information reported for the following reasons : 1. **Identity Theft : ** I have reason to believe that the account in question is a result of identity theft. I did not open or authorize this account, and I have no affiliation with XXXX XXXX. 

2. **Inaccurate Reporting : ** The reported balance of {$710.00} and the charge-off status of the account are inaccurate and do not reflect my financial history or activities. I request a thorough investigation into the origin of this account and verification of its validity. 

3. **Resolution of Dispute : ** The remarks on the account indicate that it was previously in dispute and has now been resolved by the data furnisher. However, as I did not initiate this dispute, I request clarification on the details and outcome of the dispute resolution process.

4. **Protection of Credit Report : ** I request that immediate steps be taken to protect my credit report and prevent further damage resulting from this fraudulent account. This includes the removal of any inaccurate or fraudulent information from my credit report. 

I request that the Consumer Financial Protection Bureau prioritize this matter and conduct a thorough investigation into the identity theft and fraudulent account activity. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. 
- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

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

Please stop this company from harass my for a debt I do not owe this company said I owe a debt when I was XXXX from XXXX of XXXX to XX/XX/XXXX I am a victim of identity theft when I accrued I inserted and extending fraud alert to contact my before and new accounts was opened in my name and this company file to do so. I understand that mistakes happen all the time that's why I asked for a investigation the company then reinserted the account on my credit report so now I'm making a compliant because I need help resolving this issue with this company. Thanks