23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was told that I had a lien on my property. I found out from the XXXX clerk that my small business, teenage son of ALMOST the same name and I were sued by a law firm. I, then, contacted the law firm, they say that Wells Fargo had opened a business credit line for me and my business in XXXX and that I never paid the loan. 
Since, I had never before had anything to do with Wells Fargo I requested the documents that were used to obtain the loan form the law firm and also from Wells Fargo. It has been XXXX months, and any of the XXXX companies have not yet provided the documents I requested. 
The address they used to summon me is a house in XXXX where I lived in for XXXX months in XXXX ( XXXX to XXXX ). 
I must also tell you that in XXXX the IRS had sent me a notice that someone had been filing Income Tax Return with my Social Security Number for many years. They issued a PIN number to me every year since.
Product: Credit card or prepaid card

Synchrony Bank Lowe 's Credit Card Promotional Purchases The Lowe's/Synchrony  Bank has a random order process for allocating payments to multiple interest-free promotions. Payments may be applied differently from the order of expiring promotion dates such that both Regular Purchases and/or ending promotions may not be paid ahead of later promotions based on unstated rules. In order to insure that payments are processed such that each promotion gets a portion of the payment based on the remaining months left before reaching the expiration divided into the total purchase price outstanding, they use other unspecified criteria that could cause a customer to be charged late fees and interest payments. In speaking with the Customer Service and the Client Affairs Specialist, controlled allocation mathematically can't be done with the " system '' that they use, which should be a Data Processing Computer programmed for Retail Commerce. In order to allocate funds to each outstanding promotional balance, after making the payment, the customer has to contact a Client Affairs Specialist with specific allocations by promotion. This is an absurd way for any bank to operate because it steals time away from customers to do trivial work best done by computer.
Product: Credit reporting or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Product: Debt collection

XXXX XXXX XXXX XXXX {$8000.00} worth of inaccurate debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER  XXXX  NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.
Product: Debt collection

This account was a result of identity theft however it has Been sold to several different companies which then report on my credit. I have a police report on file confirming this specific account is a result of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX BANK Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX XXXX USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the letter I have mailed to Equifax. Over last 3 weeks I have followed their instructions to release security freeze, fraud alert etc from my record. This has not been successful. Everytime I call they claim its fine. My lender, XXXX XXXX can not pull my credit report and neither can I. Multiple conversations with management, supervisors etc have come to no resolution. I am going to lose a home due to this. 

Equifax XXXX XXXX XXXX XXXX GA XXXX Dispute Resolution I have 2 addresses. Mailing and Billing XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Physical address where I live is XXXX XXXX  XXXX XXXX XXXX XXXX Ca XXXX. My credit file shows a fraudulent address block. I did not request this. I want this removed immediately. I have filed a complaint with the FTC in regards to the complete disregard for my multiple requests by mail and by phone. 

If necessary for my credit report please use XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX as my current address. 

Please update and release all blocks on my credit report and or my address. I am refinancing my property and my lender has been unable to pull my credit due to an Equifax error XXXX. 

My Lender XXXX XXXX is trying to pull my Equifax report for a refinance on my property. Error message keeps returning. 

Opened Case ID XXXX with Equifax. No resolution to date XXXX XXXX XXXX Cell XXXX
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 Experian 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. This fraudulent, inaccurate, and false information consists of a personal auto loan opened with XXXX XXXX XXXX opened on XX/XX/year> with the account number XXXX. This account has resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard Inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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.
Product: Credit reporting or other personal consumer reports

Good day, thank you for taking the time to remove some of the information in my file resulting from an alleged identity theft. However, there are still items that need to be removed. According to FCRA Section 605, you are required to remove any items listed on ID THEFT REPORT # XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable for your willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$1000.00} -- -- -- -- -Equifax : XXXX XX/XX/year> -- XXXX -- -- XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has placed 10 fraudulent inquiries on my credit report after removing them. I have reached out to them directly about this matter and they assured it would be resolved and today they added more inquiries to my report!!!! According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.
Product: Credit card or prepaid card

I received a letter from Synchrony bank notifying me about the closing of a credit card account that I never received. I did applied for this card and Iam just now aware that apparently was approved but i never have received this card. 

The problem is, that this letter is being sent to me after I was disputing a different issue with this bank, and I told them i was going to file a complaint against them for their wrongful practices. 

The bank claimed that they did not have my physical address, but apparently they do have it, otherwise i would've not had received this letter. 
In the letter, an account is being closed, a credit inquiry was done by the company which is apparently a card from XXXX XXXX store and the reasons they claim are obnocious. 

Iam including a letter sent to me today, exactly two days after my complaint to them because they denied me bank statements f all my accounts on a synchrony card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and XXXX   reports without either consent and had not been updated on TransUnion since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and TransUnion to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that Sallie Mae reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that Sallie Mae place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6.  Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Product: Mortgage

( 1 ) I have had online paperless billing with my conventional mortgage serviced by Nationstar Mortgage XXXX  d/b/a/ Mr. Cooper. They had been generating an online statement by the XXXX of previous months. It is now XX/XX/XXXX and there is no statement available on their website. When I tried chatting on the app, the computer said no representatives were available. When I phoned just now, the telephone representative claimed their computers were inoperative and told me no account help was available. She told me to call back tomorrow. ( 2 ) I requested last month that Mr. Cooper eliminate and close my escrow account. This year 's insurance and tax bills have both already been paid from that escrow account. I can not view any escrow history anymore, and have NOT received a refund for the remaining payments to the escrow account that resulted in a leftover excess balance. Looking in their website, it is as if I never even had an escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have not opened duplicates of any credit card and credit wise shows me multiple opened XXXX accounts and I only appied once and was approved. Then the same with discover I was approved and have multiple inquiries for it also. It shows me having multiple opened accounts and that would be incorrect!!! 

2. I have several inquiries on the dark web as well and have never been on it in my life!

3. I also have never gotten a loan or even applied for a loan at XXXX XXXX, I've been left messages from them also and this wasn't me!!!! 

Please help me my credit has dropped XXXX points today bc this
Product: Prepaid card

I opened up a secure credit card after my recent divorce.I did n't realize at the time it had a monthly rewards fee. I was able to get other credit cards that were not secure and decided to close the account. This account was attached to my business account and my office admin contacted Wells Fargo twice to have it closed. The third time I called myself. It finally closes, except by the time they do close it ( XXXX more months later ) ... and only after I got into a shouting match with the guy from Wells Fargo who did n't seem to understand that the card was secure and we did n't owe any money, and if acter were owed a little over {$50.00}. My office is receiving XXXX3 calls a day about 3 times a week. Then we received a letter today advising that due to our handling of the account they were closing and that we owed XXXX in late fees. An hour or so after getting this in the mail, Wells Fargo called ... and my office admin again got no relief and ended up in a verbal dispute with the debt collector. I am very upset with the tactics, the extra fees, and the refusal to do what was asked ... as well as the fact that Wells Fargo does not offer an option to close directly from the online banking portal. 

In addition, I was charged a {$39.00} late fee on XXXX/XXXX/2016 despite a payment being made on the XXXX which is shown on the statement. The reason that I closed the account on the date that I did was because I did n't want the XXXX charged to my account again and I could not locate contact info for the company. It was supposed to be an one time online purchase.
Product: Debt collection

Resurgent Capital Services capital keeps calling me and they reached out to my family telling them that its a civil case against me
Product: Money transfer, virtual currency, or money service

I attempted to make a rent payment to my landlord using XXXX via Ally Bank. The transaction confirmation email showed my landlords name and they did not receive the money due to two digits in the phone number being reversed. I called the bank within the hour to report the issue. The bank investigated and refused to return the money that was given to an incorrect person despite the name on the confirmation being different from the name of the person receiving the money. The bank told me to contact XXXX. XXXX proceeded to tell me to contact my bank and the person that received the money both accepted the money as well as refuses any attempts at contact. The amount in dispute is {$1800.00} usd of rent money.
Product: Credit reporting 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 COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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, AL XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX C Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I used XXXX Chase Ink convenient checks for {$2000.00} each ( {$4000.00} ) to pay off other credit cards balances. They suggested this in a promotion that Chase Ink sent me. It had a upfront fee of {$40.00} for each check ( {$80.00} ). 

Starting XXXX I sent in checks to pay off this promotional {$4000.00} plus they were taking out auto payments on top of me sending in the extra money to pay off the promotional {$4000.00}. 

I wanted the extra checks I sent in to go to the Promotional {$4000.00} and the auto payments to go to my card regular balance. 

The total of checks i sent since XXXX for the promotional 0 % interest was {$2300.00}. 

As of today XXXX they say I still have a promotional balance of {$3400.00} after I sent them {$2300.00} in checks. 

Also remember I had auto payments being paid to my regular balance on this Chase Ink card. As of XXXX I paid auto payments of {$1900.00}. 

Chase Ink says they can not apply the extra checks I sent to the promotional balance, the {$2300.00}, because of rules and regulations. what are these?? 

My concern is that, they charged me a fee up front to use the checks, {$80.00}. Now they are NOT letting me pay off the balance of these checks because of rules and regulations?? 

AND to top it off ... in XXXX they start charging me interest on the {$4000.00} that they will not let me pay it off the way I want to pay it off. 

So to sum it up ... they charge me a fee to use the checks, {$80.00} and Chase Ink WO N'T let me pay off the promotional 0 % and in XXXX I start paying interest on a balance they wo n't let me pay off. 

In the end I will have paid a fee and then interest on top of that fee. That is NOT a promotional XXXX % interest offer!