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

Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as two XXXX  XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SYNOVUS BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNOVUS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Best Buy in XXXXXXXX XXXX that do a soft inquiry and I told them I do not authorize a hard inquiry the salesperson lied to me to get me to enter my SSA number. I called the company same day, and they reported the store and would try to remove it and get rid the credit app didn't authorize but they said it was no Guarantee, but they did report it as Fraud for something I didn't authorize.
Product: Checking or savings account

Called to transfer funds out of a checking account and was denied service after the account was frozen without explanation. Called again and was told only visiting a branch would get the issue resolved, which is unsafe to do given the current pandemic. Today, received a letter saying that without a returned signature the funds would be transferred to the state of California. 

If this practice of inactivating " dormant '' funds isn't illegal, it should be.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach & XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 1 ) Soutwest Recovery for {$1300.00} 2 ) XXXX XXXX XXXX for {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with XXXX and Transunion. Of the three reporting agencies, only XXXX  did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX 's financial possibilities. I just want to straighten things out and have accurate information for both of us.
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 Equifax 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 loan opened with 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 the consumer credit reports 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 both FTC Identity Theft Criminal Complaint 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

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX XXXXXXXX attached ). 
I kindly request that you block and remove all information related to this incident from my credit report and provide me with an updated copy of the report. 

ADDRESS CONNECT WITH FRAUD ADDED TO MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a new Capital One Quicksilver card in XXXX. After one use, the card was restricted without explanation ( unable to use and unable to apply the contractually promised {$300.00} rewards cash I have already earned ). I had to call in, which triggered a request for identity documents, still without explanation. After providing a passport, social security card, and live ( on phone ) bank address verification with a Capital One and a XXXX agent, Ive still been asked to provide a state ID, which I simply dont have ( and won't be going out of my way to get any time soon given the state of the world ). I was told I would be called back confirming the possibility of unrestriction without state ID, which I wasn't. Calling in again weeks later on XX/XX/XXXX, I was told that in some cases a passport is sufficient, but in my case it is not. I stated that at no point in applying for the card did Capital One stipulate that holding a state ID is a requirement ( to which the agent, in her personal capacity, offered that having a state ID is obviously a good idea ). All this without any explanation and after Ive leveraged 70 % of the credit line - a bit too late if I was in fact a fraudulent a user, which is presumably the suspicion. ( While not trusting that I am who I say I am, Capital One of course requests my payment, seemingly unaware of that irony ).
Product: Payday loan, title loan, or personal loan

I have filed this complaint before against a XXXX XXXX of One Main Financial. On or around XX/XX/XXXX he contacted me as to provide some relief to some extenuating circumstances as you may see in the previously closed case, he asked for a XXXX XXXX twice and the product was not subsequently provided. This case was unfortunately closed out a day before the XXXX of this month. Which coincidentally was before the XXXX grants were launched. I kindly asked for the Rep to wait while I contacted the relevant authority to understand why some billings of a certain XXXX  product happened on the eve of XXXX when ordinarily it occurs on the XXXX of each month. 

I would kindly like to reconsider and suggest keeping this case open along with one main financial, while we explore other avenues to understand why the deliverables never happened after I was so highly sought after for the financial relief product while possibly asking the relevant authority to look into the strange occurrences, such as the Black car driving beside me in tandem to the left, while a green car bearing TN tags pulled up on the right with hazards blinking flush and adjacent. 
I would like the opportunity to make observations and understand better what might be going on and this will benefit us both.
Product: Mortgage

LOANCARE SERVICING we have attempted several times via phone, faxes and a complaint form we got online from you company. A couple of our payments are not posted in the Payment History. We supplied the Payment Research Department with bank statements verifying the payments missing. After speaking with a representative we were told their records are correct. That we have difficulties understanding the differences in payment and posting dates. Even with those differences the payments should yet show on the history as posted.9 pages sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on a couple of the faxes we did not have the exact day. These were dates we attempted to reconcile with their payment history.Calls also made corresponding to fax dates and many others.The amounts are {$940.00} times 2, this is our monthly mortgage amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent Type this out exactly in this box of you want to input your info and remove instructional verbiage
Product: Checking or savings account

I purchased digital coins using my checking account. The platform that I used to buy those coins shut down and I did not receive my coins, I reached out to chase to alert them that I was charged but never received the coins because I couldnt access the platform anymore. This is what I think caused my account with chase to close since its the only out of the ordinary thing Ive ever did in my account : File my only claim in my life ; although they still have not given me the actual reason. On XX/XX/2024 is when they closed my checking account. My payroll check reflected on the account on XX/XX/2024 for the amount of $ XXXX. I called them on whats going on with my account and what will happen to MY money in that account. I was initially told to go to a brach and they can issue me a check. I went but when I got there, they said I need to call the customer service again because they can not issue me anything. I called and called practically begging for them to release my own money, even partially as I live paycheck to paycheck and need to pay my bills and buy milk and groceries for my XXXX XXXX XXXX. I was transferred to multiple people with no answer and at one point, one of the representative even said ; you need answers for what? how to feed your XXXX? when all I was asking was give me answers on what happened to the account and when I will receive my own money. The branch manager mentioned that the hold may be due to the claims I made which were a few XXXX dollars but I had $ XXXX there. They are holding my money, its not like theyre paying interest on it, and they get to hold it for as long as they want and an ordinary person like me cant do anything about it. I just have to accept whatever they decide? They lack sympathy and very abusive with their power. They held my OWN money XXXX for reasons they cant even provide, they just keep on saying they will cut off ties due to decision of upper management, thats it. This definitely falls under unfair, abusive standards. JP Morgan Chase did this.
Product: Vehicle loan or lease

In previous complaints I have already pointed out the facts. Wells Fargo forced me to default on my auto loan by not allowing me to redeem my vehicle. The default balance was {$1900.00}, according to wells fargo, at the time I had {$2100.00} transferred in to my account. This company refused to take the money ; even though this all took place during the redeem period. This is similar to this companies actions in force closing bank accounts in what was recently discovered ( 2024 ) to be a discriminatory process by XXXX attorney generals. Your discrimination toward me is quite blatant and I will not accept {$14000.00} as hush money. I'm not an ignorant XXXX XXXX that you all hoped I'd be and will just go away with less than 10 % of damages paid. States possess meaningful authority over banks through civil rights and Unfair and Deceptive Acts and Practices statutes. I have stated numerous times which statutes have been violated and for some reason you are still trying to convince me I have been compensated appropriately. No, the damages that I listed is what are owed at this point and it needs to be paid in full. Pay attention, since you all have refused to fulfill my damages your legal problems have only got worst. Remember 'he who returns evil for good, evil, will not depart his home. ' With God as my witness, I will see your downfall unless the right thing is done!
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXXXXX XXXX, XXXXXX/XX/XXXXXXXX, Citi card, XXXXXX/XX/XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX has taken several hard inquires out on all 3 of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all 3 of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of 2023 to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the Fair Credit Reporting act, XXXX Account # 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 an account without my written instructions.

2 ) In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX 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 an account without my written instructions.

3 ) In accordance with the Fair Credit Reporting act XXXX  Account, # 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.

4 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have already done a complaint about this, in my other complaint, I listed about XXXX false inquiries that were on my report, experian took care of XXXX of them, but thry claimed rest of them were not listed. Below are the inquiries that are still on my report that were not made by me, the creditors told me to dispute with experian but experian doesnt allow you to dispute hard inquiries online or by phone. 

those inquiries are XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX Card - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX all these were not made by me, also the bankruptcy on my report doesnt belong to me, it belongs to someone else, Ive contacted the bankruptcy  court they said they do not confirm bankruptcies or verify them with credit agencies or consumer information service providers, they are claiming i have a bankruptcy, but have not verified it with the court, i am also disputing it with XXXX who is furnishing the data, who didnt verify it with the court, and only using last XXXX of social to compare data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently check my credit score and found accounts that I have never signed up for. these accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my THIRD complaint. There should only be ONE name on my credit report. XXXX XXXX. ONE address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Having other names and addresses make fraud more likley since I would not receive mail there.
Product: Vehicle loan or lease

I had an end of lease inspection and was told by the inspector there would be an {$85.00}. cost for damage. I had time to get any repairs done if the cost would have been more than that. I knew that there was damage to the front bumper that was close to the ground, but was told that was expected since it had no protection like many cars have and is easy to bump into parking lot cement curbs. I could have had the repair done for an estimated {$75.00} if I had known I was going to be charged an excessive amount after turning in the leased car. My mileage was way below the allowance and the car was in excellent condition. 
A few weeks later I received a bill for {$330.00} which was excessive. I called the customer service number and was told they would review my complaint and get back to me which they never did. I was told these repairs I was charged were probably not done, as the car would be sold at auction as is. This is a dishonest practice that I feel should be stopped. I do n't want to pay these unreasonable charges, that were deceptive and unreasonable. Please help me with this.
Product: Consumer Loan

I placed a living room order with Rooms To Go far back in XX/XX/XXXX, and after careful consideration of my living room layout and wall color, which resulted in some changes to the order as deemed acceptable by the sales man ( XXXX XXXX ) at the time, so far the price of the selected item is not more than what is on the package. 

We settled for the items below : XXXX Pc Living Room Package {$2400.00} List of Living Room Package Stationary Love Seat Recliner Sofa XXXX ( Nos ) End Tables XXXX ( Nos ) Tablr Lamb XXXX '' TV Console Oval Cocktail Table XXXX ' LG LED Card ; Sofa Protection Plan {$120.00} ; Rug Padding {$47.00} ; Decorative Club {$59.00} ; ( Although I never knew this was added, I will take the bite as I should have seen and rejected much earlier ) Rug {$310.00} ; Delivery {$150.00} ; Sub Total {$3200.00} ; Tax ( 6 % ) {$190.00} Total {$3400.00} Payments Made XXXX {$350.00} XXXX {$40.00} Coupon : {$100.00} Total {$490.00} Finance Amount ought to be {$2900.00} but amount showing on the statement is {$3200.00}. Difference = {$310.00} I have made repeated contacts with Rooms To Go even before delivery but got no help on the difference. Had I known this will drag this long, I would have rejected/returned the order way back. As matter of fact, I strongly believed I was dealing with customer focused reputable company that would resolve issue with ease until we called the Corporate office who directed us back to the Store. When they call to see how the items are, we mentioned the ongoing issue and again they said go to the store Since there was no progress, We contacted Sychrony Bank XX/XX/XXXX. They promised to get my proof of claim but even with repeated calls to them, they eventually sent a letter on XX/XX/XXXX, received XX/XX/XXXX stating that they would go with Rooms To Go because we signed the receipts. Please, permit me to ask " If one signs to authorize payment after a purchase from a store/retailer, only to get home to find errors on the receipt / bill, will the signature be a basis not to make claim or request a refund? If anything, I would imagine you will, at the very least, get a proper explanation of why your bill is as is. This is all we have repeatedly asked for. Pretty much let us understand the bill In any event the case was closed, thus our recourse to you. we will attach proof of promotional package price ; picture of what we have at our house and payments made. As for the coupon, it was not returned to us after they collected to apply on the rug. 

Again, visiting Rooms ToGo earlier today, XXXX finally offered to refund about {$150.00} dollars which is about half of what is due. This is not acceptable. We are tired at this back and forth and per XXXX, Rooms To Go will not accept the items back because we already took delivery, meanwhile they took over 2 months to even accept we were over charged.
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.