23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Debt collection

Synchrony Bank, the original creditor of Gap credit card sold an " unknown '' old debt to a debt collector XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). I closed this account in XX/XX/XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called Gap card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

XXXX turned it over the XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. XXXX XXXX  sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XX/XX/XXXX and all of a sudden they called me early this year XX/XX/XXXX to tell me that I owe them. After 5 years??
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 2. I did not authorize these inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. I did not authorize these inquiries XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. I did not authorize these inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
10. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
14. I was never 30 days late in this account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

I have had many issues with Synchrony, from charging a XXXX purchase on my card without any due diligence as to if the account matched my address and bumbling through removing that unauthorized purchase from the account, to having issues updating their system when I requested bank account changes. I can't even go and pay my balance due this month until the day of, apparently. Recently I logged in and was advised that my credit limit had been revoked ( and my account closed ) because I had missed two payments ( that I subsequently paid because they had gone to the wrong account ) in a calendar year. This was never conveyed to me by mail or by email until after the fact. I have asked Synchrony to provide documentation as to when any notice of this was going to be given, and I have to date not heard back from them, and do not expect I ever will. The company continues to treat every problem I have had with them as unimportant with staff who are clearly incompetent and unable to fulfill basic information requests. I suspect this is standard behavior. I am requesting that the CFPB review Synchrony 's compliance with any regulation regarding timely notification of major account changes, such as the closure of an account with an active balance, of which there was no warning of the appeal period ( which on their website appears to be within 24 hours from the time of action, as if to imply how common of a problem this is, of which I was notified of by mail well after the fact ) could theoretically harm my credit score.
Product: Credit reporting

federal tax lein that does n't show paid or released. 
state tax lein that does n't show paid or released. 
collection account that i have no knowledge ( no contract ) of from XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a loan with One Main Financial in XXXX  in the amount of XXXX. I believe they gave misleading information and also I believe I was tricked into signing up for option products.
Product: Student loan

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurate latenesses on my consumer credit profile from XX/XX/XXXX through XX/XX/XXXX on my capital one account ending in XXXX. When my accounts was in a Deferred/ Forbearance status. In addition, to Latenesses reported from XXXX XXXX XXXX As youre aware Section 4021. Of the CARES ACT states SEC. 4021. CREDIT PROTECTION DURING COVID19. ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Product: Money transfer, virtual currency, or money service

I opened a venmo business account per their instructions to sell off a few personal items, and after the first transaction, they locked my account unless I gave the all invoices, customer personal information including what was purchased and where it was shipped and the names address and phone numbers and tracking numbers for said purchases. This is nowhere in their disclosure or is it material information that they need for any reason that they could give. I have never had a financial institution ask such questions. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

LOAN # XXXX MY PREVIOUS COMPLAINT XXXX WAS CLOSED, I STILL DID NOT GET MY MONEY BACK, {$31000.00} IS STILL OWED TO MY.
Product: Debt collection

XX/XX/2022 report was pulled because I'm trying to buy a house previously and the company wasn't on my report when pulled previously then I was told on this date they were. I called company listed and they passed off to Ratchford Lawyer. Spoke to them as well on XX/XX/2022 I said this debt was paid can you send me in writing the amount owed for proof. They agreed. I've been waiting a month now and every time I call them or original creditor they say they can't accept my money because I dispute then after I get some letter they can allow me to pay. I call at least once a week since XX/XX/2022 and they deny me paper and " letter is coming '' I said it takes a month? " I guess so '' so I finally said I guess you don't want to be paid and hung up on XX/XX/2022. This is holding me back from approval for a mortage. They have never called me nor sent me anything until my credit was pulled for a mortage. Even now they don't call me. The creditor they bought debit from sends me offers for credit!? I just want off my credit and they will not work with me and refuse payment so stop reporting!! Can you please help me?
Product: Debt collection

I spoke with someone named XXXX XXXX at NCAC about a collection from a previous address. She stated that both myself and my now boyfriend both owed {$3900.00} for a place called XXXX. I knew we did not owe the amount because he never signed a lease with the company and I stated that to her. I also told her that I myself did not owe that amount because I left at the end of my lease according to the directions I was given by the lease manager. I was told to leave by XX/XX/2019 in order not to owe any money to them. I called XXXX XXXX and received a breakdown of what was owed after security deposit was deducted and charges were added for cleaning etc. XXXX does not want to acknowledge that and threatened to contact my employer and said the only way to make it go away was to pay the {$3900.00}. She was willing to take a one time payment of {$1900.00} which I did not want to do nor did I have it. I was willing to make payments on the actual amount owed but she refused.
Product: Credit card or prepaid card

" See if you're approved for XXXX XXXX without impact to your credit score. '' Got this from Experian who I thought was my custodian for my credit rating. 

I applied and my FICO score was IMPACTED! 

Contact XXXX XXXX but no reply.
Product: Credit card

So I noticed charges and late fee on my Amazon Synchronicity card. I called them straight away and said it wasnt me. After investigating, they said I have to Pay even though I never received the item. Asked for investigation again, no results. After I contacted Amazon store and they erased the charge and assured me there is {$0.00} balance on my account and I wont be charged a late fee. Synchronicity Credit Card though still charged me a late fee, messed up my credit score and when i called them again, reluctantly agreed to look into the non existing charged. Then they continue to harass me via phone and email. The charge was about {$40.00} and the late fee another {$35.00} or so. All for non existing charges.
Product: Credit card or prepaid card

I had a Barclays XXXX Credit Card ending in XXXX that I opened in XXXX and closed in XXXX. I need to file a claim against one of the purchases and I need my full credit card number associated with my purchase. Barclays helped me get the statement associated with the purchase but I am unable to get the card number assigned to me. This will result in a loss of {$3700.00} for me because I can't file the claim. This number was assigned to me and it doesn't make sense that Barclays is unwilling to give me the card number that was my own. I have tried to work with Customer Service but all I hear is that it is not possible. 

I received the statement but conveniently it doesn't have my 16 digit account number on it. Barclays has also not reported the account numbers to the credit bureaus when all the other banks report the credit card numbers to the credit bureaus. This has put me in a situation that is very problematic for me.
Product: Debt collection

I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.
Product: Mortgage

XXXX I brought the house in XXXX 2006 on XXXX XXXX XXXX XXXX XXXX XXXX. 2 weeks later got laid off from XXXX XXXX XXXX as a XXXX a {$70000.00} a year job had Impeccable credit, could n't find a job back in my field do to the housing market. I found work in the XXXX 21/2 years later hired XXXX XXXX XXXX for bankruptcy, XXXX XXXX found a lot of Illegal Discrepancies in my mortgage papers the house should of never been sold to me the house was n't sell ready with proper paperwork knowing that the Title & Deed was n't the legal paperwork. They had NO Title or Deed, XXXX XXXX told us not to pay Ocwen because they did n't have the right paperwork to service the loan. We heard about the XXXX program to get refinance for our home turned in all the paperwork they told us that they ( Ocwen ) lost our paperwork several times, XXXX yrs. later XXXX XXXX called us for another appt.to talk about our case we were told that the statue of limitations is coming up and after that date he asked us what we wanted to do sit and wait to see if they come up with some kind of settlement for us to refinance our house if they do n't come up with any settlement and Proper Deed & Title in the amount of time as allowed that they ca n't touch the house legal..
Product: Checking or savings account

Fraudulent ATM withdrawal from account as per following details : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX $ totalling to XXXX $ Filed a complaint for fraudulent ATM withdrawal of the above mentioned amounts with Bank of America on XX/XX/XXXX with the complaint ID being XXXX. 

Even though we have filed a complaint on XX/XX/XXXX and the card had been XXXX, still there is an additional fraudulent withdrawal on XX/XX/XXXX of XXXX XXXX 

Thereafter we get an email from the bank on XX/XX/XXXX that they have reviewed our complaint and dismissed it. 

As we have not conducted these transactions, which are completely fraudulent, we contested the banks closure of case. 

While the bank is reviewing the said complaint again, we seek your help/assistance in seeking justice.
Product: Checking or savings account

I recently submitted a claim because Chime keeps finding ways to delay sending me my money from the account they closed. this has been going on for over 2 years now. I sent my passport, My drivers license, banking bills, insurance bills, ive sent over 10 documents to receive my check in the mail. Everytime I do this they find a reason why they cant verify the documents which is the same thing they were doing to me before, making me go in circles while holding all my money and refusing to return it. its criminal what they are doing and an absolute scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint to follow up my previously sent letter to the current evaluation of credit bureaus. I appreciated the credit bureau 's removal of fraudulent items from my file, but there are still remaining items that need to be deleted. I address the issue of identity theft and dispute certain items in my credit file that are a direct result of this crime. The purpose of my dispute is to request the removal of any information associated with these fraudulent activities, as they do not pertain to any transactions I have authorized or participated in involving the acquisition of goods, services, or money. I am unaware of the specific details regarding these disputed items. Furthermore, I have discovered that other credit bureaus have already removed the mentioned information, which raises doubts about its accuracy. Additionally, the reported payment history on some of these items is unclear and perplexing to me. According to the FCRA 605B ( c ) ( 1 ) ( C ), I am within my rights to request the decline or rescission of such information. Below are the remaining items that need to be DELETED : XXXXXXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXXXXXX 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 XXXXXXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX Balance XXXX {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting this inaccurate bankruptcy on my account. I have no knowledge of this account as according to this address letter to me The bankruptcy court does not furnish this information to the credit bureaus nor due to they verify this information.
Product: Student loan

To Whom It May Concern, Been trying to text and call XXXX and ECMC but no response to contact, They mailed whatever to wrong address with wrong name. 
I have been through bankruptcy, loosing my house and all personal items, and moving to a better paying position. Called ECMC and told them I was not paying on this bill they labeled XXXX. In XX/XX/XXXX Married and XX/XX/XXXX graduated using XXXX. So big issue of who signed the paperwork. He forged my name to Fed and State Income tax as well. Called they refused to even change the name. There is no such person as XXXX. They have set payment beyond what I could do, question of who signed it, and how to get it turned around. Considered an Attorney for damages. 
I am doing well now, turned things around, and having more income. Want to get on with things. But I will not pay their interest on this for the past 16 months of sending infor to wrong address, question of who signed it, and in wrong name. They do not respond with any contact. I was striped financially period.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / ACCOUNT NUMBER XXXX 2. XXXX XXXX / ACCOUNT NUMBER XXXX 3. XX/XX/XXXX ACCOUNT NUMBER XXXX 4. XXXX XXXX ACCOUNT NUMBER XXXX 5. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Continual reposting of something that was successfully removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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.