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

XXXX XXXX XXXX Date of BirthXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ Equifax / XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ Equifax / XXXX XXXX XXXX XXXX credit report : Dispute 1 : The alleged charge-off of an obligation with [ XXXX XXXX XXXX XXXX original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I sighed all closing documents for a cash out refi on Monday XX/XX/2022. One of the documents asked where to send cash out check, and I requested to be mailed to home. Document states it will be overnighted via USPS. I waited until Monday XX/XX/2022 to reach out because I have not received check. My call was returned on XX/XX/2022 with an apology, but no explanation as to the hood up. I was told that the check was mailed on Tuesday XX/XX/2022, however it was not in the mail on XX/XX/2022. I can not get an answer from lender as to what complication is causing a hold up, or when and how it will be resolved.
Product: Credit reporting or other personal consumer reports

See attached items I'd like all of these item 's taken off of my credit report
Product: Credit card or prepaid card

- Reached XXXX credit limit of {$14000.00} on XX/XX/2022 - Made one time payment of {$9700.00} to make credit available on the account. This was done 12 days before my autopay for that amount was scheduled. 
- {$9700.00} amount was drawn from my bank account on XX/XX/2022. 
-I tried to make a purchase with this XXXX on XX/XX/2022 but it was denied. 
-I called customer service on XX/XX/2022 immediately after attempting the purchase. I was told that I had available credit but the payment of {$9700.00} made on XX/XX/2022 was frozen for 10 days. They said they could do nothing to reverse the freeze and could provide no specific reason for it. 
- I called my bank. They confirmed the payment to Citi and said they have no way to retrieve it. 
- So now Citi has close to $ 10K of my money while withholding credit access for 10 days which seems like fraud to me. 
- This is causing disruption in my life as all of my monthly payments for utilities, subscriptions, and donations are on direct payment schedules using this card resulting in hours of changing payment methods for all these creditors so my payments don't bounce.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page XXXX  para 2 ) XXXX representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over XXXX  days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 States i have the right to privacy.

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions.

15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have a family member with a similar name. I am continually finding new accounts that are not associated with me.

Please verify all account names with SSN and DOB
Product: Debt collection

I have filed an FTC Identity Theft Report and Affidavit under penalty of perjury. I have sent notices to both XXXX XXXX XXXX XXXX with regard to this fraudulent debt. They are both on notice that this debt is the result of credit theft and is not mine. I have not paid a single bill late for over 12 years. I lived at XXXX XXXX XXXX XXXX, PA for over 10 years and then moved a year ago. When I checked my credit for a major purchase, I discovered false information including debts that are not mine. After some investigation I found that someone had gotten my information and was applying for credit at two addresses. I have never lived at ( XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX In addition when I changed my Drivers License online to my new address ( XXXX XXXX XXXX XXXX XXXX XXXX ) I noticed that my drivers license address had been changed to the XXXX XXXX XXXX Address ( I never lived there ). I contacted the 3 major credit agencies and they removed some of the negative information but they have not removed the fake address or the fraudulent debt for XXXX XXXX XXXX. In addition I have now received a demand for payment from XXXX dated XX/XX/2020 for the same debt, stating that I now own them {$3800.00} and asking if I dispute this debt. This notice went to my previous address ( XXXX XXXX ) so, I did not get it until yesterday as I have been down with XXXX for the past three months. I am disputing XXXX claim today.
Product: Credit reporting or other personal consumer reports

This issue was addressed on XXXX OF XX/XX/year> FAIR COLLECTIONS AND OUTSOURCING IS REPORTING A COLLECTION ACCOUNT AS OPEN WITH A {$0.00} BALANCE. I received a copy of my credit report and found that TRANSUNION continues to illegally report inaccurate, non compliant, and false information about me. TRANSUNION is reporting an account from XXXX as a collection that is open and with a {$0.00} balance. 

This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standard. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report. TRANSUNION is required to remove any information that is not true, accurate, COMPLIANT, and verifiable. I demand that the above mentioned derogatory item be permanently removed from my report.
Product: Debt collection

This complaint is being filed pursuant to my original complaint ( XXXX ). Received multiple calls and now a second voicemail. In both voicemails left, the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt.
I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX
Product: Student loan

XX/XX/year> : I received a notice that Ive reached the lifetime aggregate limit for financial aid. My quarter classes at XXXX XXXX  have still not been covered - to-date. There is now a hold on my account. 

XX/XX/year> : Mohela stated that XXXX would need to complete section 3 of the Re-Affirmation Agreement and then they would release additional funds. 

XX/XX/year> : XXXX completed an analysis of my transactions and responded by letting me know a Re-Affirmation Agreement isnt necessary because I have NOT reached the aggregate limit. That in fact, Mohela is reporting misinformation to the XXXX XXXX XXXX XXXX, theyre reporting higher balances that were disbursed. 

I am submitting the paper trail of documents and screenshots with this complaint. 

From XX/XX/year> - XX/XX/year> : Ive spent numerous hours trying to get Mohela to report correct balances so that I could move forward with registering for my final XXXX XXXX XXXX XXXX from XXXX. 

XXXX, Ive filed several complaints with studentaid.gov and have submitted documents, evidence, inquiries, and complaints to Mohela ~ without any response from them either verbally or in writing. 

Not only is it appearing that Mohela is adding XXXX XXXX XXXX to my student loans, theyre doing so without any evidence of indebtedness or any evidence of reporting from my school of ever having received those funds. Is Mohela stealing/embezzling funds from students? 

I need IMMEDIATELY RESOLVE please.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a mailed letter from XXXX XXXX XXXX XXXX XXXX, notifying me in writing of a data security incident that could have resulted in unauthorized access to certain person information of me. 

XXXX XXXX XXXX XXXX is CPA firm. XXXX XXXX is where I reside and the firm is located. 

The next day, on XX/XX/XXXX, I received a letter via regular mail from SYNCHRONY BANK ( XXXX XXXX XXXX, XXXX, XXXX XXXX ). The letter states We received your request regarding XXXX XXXX credit product. In the header, there are two sets of code : XXXX and XXXX. I was told these are are the on-line, application reference numbers. XXXX XXXX is a retail vendor of musical equipment. The letter from Synchrony had a phone number, XXXX which I called to report that I did NOT make this purchase, fill out the application nor have any interest in musical equipment. This number is the Fraud Department whereby all credit cards are handled. I spoke with XXXX XXXX in the Fraud Department at this number. She informed me the Perpetrator made an on-line application to XXXX XXXX using my entire SS number, DOB. However, the Perpetrator did not use my address. ( My address is linked to my credit report ) Unknown to me at this time ( but known to Synchrony Bank ) was the fact that THERE WERE TWO APPLICATIONS MADE on XX/XX/XXXX. The prior application for credit by the Perpetrator was made for XXXX, another on-line vendor of musical equipment. The prior application with XXXX was approved for {$3100.00}. Synchrony Bank is the lender. My address did not match the Perpetrators address. This should have been a RED FLAG. 

I enrolled with XXXX, paid for by XXXX XXXX. However, this protection is for one year only. It is up to me to continue the annual payments after XX/XX/XXXX. 
On XX/XX/XXXX and XXXX, I received an email from XXXX XXXX It was a payment request. I am receiving collection calls. 

Despite Synchrony Bank declining the XXXX XXXX XXXX, the XXXX was approved and funded. It did not occur to Synchrony Bank to review all activity for credit regarding my name and information. 

I want XXXX XXXX to pay for a lifetime of Identity Theft protection. I am seeking damages from Synchony Bank for funding a fraudulent application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX  {$800.00} XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies have furnished or are furnishing accounts on my profile in violation of the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX - 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Mortgage servicing company Fay Servicing misappropriated escrow funds, failed to pay insurance policies, purchased unnecessary lender policies despite having sufficient coverage, placed loan in foreclosure even though principal and interest was current, and charged unauthorized fees costing us over {$20000.00} when refinancing the loan. XXXX repeatedly ignored our attorneys requests for information. Please see attached supporting documents.
Product: Mortgage

ROCKET MORTGAGE ran my credit without my authorization leading to a hard inquiry on my credit report. I need this removed and reported. On XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Title : Misleading Advertising and Unauthorized Transaction with Amazon Secure Card by Synchrony Bank Complaint : I applied for the Amazon Secure Card offered by Synchrony Bank after Amazon advertised it as a way to make purchases immediately with installment options. However, this was misleading. When I tried to use the card after depositing {$200.00}, I was unable to complete my purchase because I was asked for a security code that could only be obtained after receiving the physical card by mailsomething that takes up to 15 days.

I specifically chose this card based on Amazons claims that I could make purchases right away. This was clearly not true. I reached out to both Synchrony Bank and Amazon for clarification : Synchrony Bank claimed I needed to wait for the physical card for the code.

Amazon stated Synchrony Bank should provide the code immediately.

This back-and-forth left me unable to use the card for its advertised purpose.

Key Issues : Misleading Advertising : Amazon promoted the Secure Card as immediately usable, but this was not the case. 
Unauthorized Transactions : Even though I was unable to complete any purchase, Synchrony Bank somehow processed a {$15.00} Amazon XXXX charge on the account without my consent or authorization. 
Unjustified Credit Reporting : Despite not using the card and attempting to cancel it, Synchrony Bank reported delinquent payments on my credit report, which caused significant damage to my credit score.

Resolution Demanded : Immediate removal of negative marks from my credit report by Synchrony Bank.

Cancellation of any unauthorized charges.

Compensation for damages caused to my credit score and financial standing due to these issues.

The entire process has been misleading, frustrating, and harmful. I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), credit bureaus, and other relevant agencies if Synchrony Bank does not resolve this issue promptly.

I ntoiced in my credit report the wrong report by Syncrony Bank on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get phone support with XXXX and XXXX and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from XXXX and I need to have this fix thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchase our home in 2006 and the lender was OCWEN, who told us that they report payments, lates, payoffs etc to the credit bureau. We sold our home paying it off in full and we never thought to check our credit until now but notice that the payoff was not recorded and OCWEN is now PHH Mortgage. For almost 4 years this has not been reported on any of our credit bureaus when we were told by an OCWEN customer service rep that it would indeed be reported, OCWEN had no problems recording other derogatory information etc. but failed to report on time payments and sales of the property.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protecte privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX account number- XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2023 a loan officer from XXXX XXXXNewrez ran my credit for refinancing my current mortgage and stated on recorded line my credit score was XXXX and as long as my home appraisal was XXXX or more we could move forward it appraised for XXXX when I sent my income verification SSDI award letter I was sent a denial letter after they took appraisal and other fees from me. I have a XXXX XXXX and was taken advantage of by XXXX XXXX loan officer and won't return my calls or emails
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX -XXXX/2024 :
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXXXXXX 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

Company Name XXXX Type Bank Date Inquired XXXX XXXXthey sgreed to remove but have not removed feom transunion yet .need remobed asap this was fraudulent due to deo error in stolen data. 
Fraudulent. XXXX had my info compromised. I did not do it credit one agreed to remove. Transunion had failed to remove. 
Also Company Name XXXX/XXXX  Type Bank Date Inquired XX/XX/2021 Also fraudulent. XXXX had my personal info stolen
Product: Credit card or prepaid card

On XXXX  my family and I checked into the XXXX XXXX XXXX  and billed the amount of {$340.00} to my Capital One credit card. As we didn't go into our room until late at night, we didn't know that the room was dirty and had mold into it. The hotel was full. So we stayed one night only. The following morning, we checked out by XXXX We complained to the front desk clerk, and asked that we not be billed for the 2nd night. The front desk clerk said he could not do anything about it and would have a manager call. No manager called us. We disputed with Capital One a few days later as the hotel billed us for two nights. Capital One said they would dispute the second night amount of {$180.00} with the hotel and would call us back if any issue. NO call was received by Capital, nor did we receive a letter that the charge was rebilled to our account. Only an email notice that the hotel said it was valid. We have sent in proof to Capital One that we checked out after one night and the item billed was not correct due to the item we prepaid for was not was described on the hotel website. Very upset with how Capital One handled this. I feel I am being discriminated against.
Product: Credit reporting

I have contacted Experian three times regarding the same information which was removed and once again shows up. the other XXXX agencies have kept the information off once corrected. I had an account that was discharged in a bankruptcy in XX/XX/XXXX or XX/XX/XXXX with XXXX XXXX XXXX XXXX now known as XXXX XXXX, that keeps coming back as written off. the last time this was to be corrected was in XX/XX/XXXX. A bankruptcy can not stay on a report for over 10 years yet Experian continues to report this information well over 10 years later. 
I am at a lose as to what it will take for them to remove this information Permanently as it should have already been. 
When I contact the credit union and they tell me they have not reported anything to Experian since the banktruptcy.