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

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX  Directly from XXXX, financed through XXXX XXXX. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX  as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX. 

In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and XXXX. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX  XXXX. I paid for these extra charges for 3 additional months. 

Why would XXXX and XXXX still be charging me for insurance on a phone that they know I wouldn't have any more? 

By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with XXXX and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}. 

XXXX XXXX continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and XXXX collections started calling. I detailed the issue with XXXX Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required. 

In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my credit score has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX & XXXX XXXX. This is more than a 15 % decrease, and I no longer looked good to my potential lenders. 

In XXXX I emailed the CEO 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies. 

On XXXX I created a dispute through XXXX, XXXX, and Transunion. I provided all the information and evidence. 

In XXXX, just after a month of creating the dispute, Transunion is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made. 

They mention the next steps is to reach out to consumer finance, which I am writing to you today. 

Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report. 

I do not know what else to do. 

Please let me know if you need anymore more information Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX, XXXX and XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WF CRD SVC ( Account # XXXX Date opened XX/XX/2015 Balance - ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am formally disputing the accuracy and legitimacy of the following negative items and unauthorized hard inquiries listed on my Equifax credit report, dated XX/XX/XXXX. 

Disputed Negative Items : XXXX XXXX XXXX {$440.00} ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX {$710.00} ( Reported : XX/XX/XXXX ) XXXX XXXX  XXXX {$2300.00} ( Reported : XX/XX/XXXX ) XXXX XXXX {$980.00} ( Reported : XX/XX/XXXX ) XXXX XXXX {$1800.00} ( XXXX Days Late ) XXXX XXXX {$1800.00} ( Collection ) These items are either inaccurate or unverifiable. I am requesting validation of these debts under UCC 1-308, which allows me to reserve my rights and demand proof, including original signed contracts. If proper validation is not provided, I expect these entries to be removed from my credit report immediately. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ComenityBank/Playsta Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these hard inquiries and did not consent to them. Under UCC 1-308 and FCRA 611, I am entitled to request the removal of these inquiries from my report unless evidence of my consent is provided. If these inquiries can not be validated, I demand their removal. 

Requested Actions : Removal of all inaccurate or unverifiable negative items. 
Deletion of all unauthorized hard inquiries. 
Updated copy of my credit report reflecting the requested changes. 
This statement serves as my formal request for the validation and investigation of these disputes. Failure to comply will result in further actions, including complaints with the Consumer Financial Protection Bureau ( CFPB ) and legal recourse. 

Sincerely, XXXX XXXX
Product: Credit card

XX/XX/year>, I purchased a XXXX  queen sized XXXX from a company, XXXX XXXX XXXX, In XXXX XXXX ID, XXXX. It was a charge of {$980.00}. The day of purchase I signed up for a credit card through them with Synchrony Bank for one of their Synchrony Home credit cards. This Credit card has not been activated to this date of XX/XX/year> to my acknowledgement. although it has not been activated the card 's details allow me to log into my Synchrony Home app I have on my mobile device. This app shows me details about charges and payments but nothing else ie. personal information such as passwords or emails, any credit card information such as the number or cvv. I would like to Note on XX/XX/year> I paid {$180.00} to my Synchrony Home account to bring my balance from {$980.00} to {$800.00} even. On the date of XX/XX/year> I discovered a transaction was reported on my Synchrony Home app for a charge of roughly {$4100.00} on the date of XX/XX/year>. This was odd for many reasons. A. ) It was charged from XXXX XXXX XXXX. B. ) I have not activated my credit card or used it ever. C. ) this charge was greater than my credit limit and I was not informed about this charge by Synchrony Home or any affiliate. After I found this excessive charge on my account on the day of XX/XX/year> I immediately called Synchrony bank, at XXXX XX/XX/year>, via XXXX ( XXXX ) XXXX, I was transferred to a Synchrony Home acociate and the transferred to their fraud department. The call was recorded by their company. I was assured the fraudulent claim was being filed and investigated starting today and it could take up too 6 months to finish the investigation, I was also assured the payment would be paid by them and that I was not liable for the payment. I then called XXXX XXXX XXXX XXXX  XXXX, at XXXX XXXX XX/XX/year>, via XXXX ( XXXX ) XXXX and was put in contact with XXXX. He was very helpful and according to him there was no other transactions made on m account other than the mattress purchase made XX/XX/year>. He informed me that he was going to reach out to the companies corporate side to see if there have been any suspicious activity from my account anywhere on their records, and that once they reached back to him he was going to call me back. I received a call back from XXXX, at XXXX XXXX XX/XX/year>, and he relayed that their systems show XXXX other purchases on my account and that they have no records of {$4100.00} dollars being transacted. I have yet to hear anything from any source and since then my synchrony account has been disabled and I am awaiting a new card to create a new account so I may pay off XXXX  XXXX XXXX the {$800.00} they are still owed and not {$4900.00} synchrony has posted. This absurdity is further pronounced by the fact my credit limit with Synchrony Bank/Home is {$2800.00}. I would like to restate I did not receive any notification of this transaction and this transaction was approved even though it exceeded my credit limit of {$2800.00} by {$2100.00} dollars!
Product: Debt collection

Company : Sequium Asset Solutions , LLC Date : XX/XX/2019 No money lost as I was able to identify the attempt to scam. 

XXXX contacted me saying I owed them money for bill that had been sent into debt collection for XXXX dollars from XXXX. They would not provide me a bill/statement or anything. They informed me I was in collections and I probably would not be able to pay bill directly with XXXX. I declined to pay and contacted XXXX where I was told the bill was not in collections and I paid it off in full on phone. I attempted to contact Sequium back when there automated phone answering service notified me I owed them {$130.00} associated with my account. The front desk/receptionist said no one was available to take my call ( they were on break or lunch ). Multiple calls over 2 hours and no one would take my call. I left message for supervisor to contact and no one called me back either. I requested a statement showing XXXX balance from company and they refused saying it would be 2-3 business days before anyone could reassess it. They never would provide me a statement/invoice/bill of any kind. 

XXXX declined knowing this company and currently I have no way of controlling how this company got my information nor what the {$130.00} the automated phone system says I owe is about. The receptionist said it was error but no one would clear it or provide me proof of said money owed. 

Please investigate this business as it is predatory fraud scam that uses threat of credit reporting to extort money from unknowing citizens. XXXX declined any knowledge of this company and I have perfect payment record and credit in my financial my history. Please review the XXXX XXXX XXXX nurmerous complaints very similar on how this company attempts to extort money. I am more concerned they have my information in their system without my approval or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has reported information on all 3 credit reports that was supposed to be removed XX/XX/2014.
Product: Money transfer, virtual currency, or money service

I deposited my inheritance ( which was a cashiers check for approximately {$22000.00} ) from my grandmothers estate on Tuesday morning XX/XX/XXXX at approximately XXXX XXXX  The teller who accepted my deposit informed me that there would be a hold for a portion of the check but {$5000.00} was to be credited the following business day and that the remainder of the deposit would be released on XX/XX/2024 at XXXX. I agreed and completed the deposit and left the bank with my deposit slip and notice of hold slip. 
Sometime overnight, the hold code D was changed and the entire amount was withheld. When I went into the bank to ask why they changed it behind my back she couldnt give me an answer. Her response was that the back office had placed the hold and there was nothing she could do about it. I called customer service later that evening to find out who switched the hold code, why did they switch the hold code and what was the associates representative number? The customer service representative named faith in Arkansas said she could not answer my questions either and she didnt have any more information and to call back tomorrow and ask for a department that she wouldnt specify the name of the department or the direct number to that department. I told her I felt deceived and that I would have taken another route with my inheritance check had the teller been honest with me about the hold. Bank of America is holding a large cashiers check for 7 days and lied to me about it while I was in the branch making the deposit. I feel like this is a rather decieiful banking practice. I will be moving my money from Bank of America as soon as possible.
Product: Credit reporting or other personal consumer reports

The XXXXEquifax/XXXX XXXX  Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 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: Debt collection

I am currently being sue by XXXX XXXX  for a web bank purchased from XXXX. They and the presiding XXXX in the case believe that the XXXX permanent injunction from the US district court does not apply to them. Even though the amount they are suing for is more than the amount I borrowed. Any help in this matter would be greatly appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in proof that XXXXXXXX XXXX XXXX  by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. 

I have sent in proof that Amerassist Ar Solutions, was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize Amerassit AR Solutions to use my information. It is against the law. They still wont remove it. 

# XXXX XXXX XXXX and Amerassist AR Solution both have violated my rights. 
15 USC 1681 Section 602 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 my written instructions
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. 

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

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Debt collection

This apartment complex in XXXX that my Ex- Girlfriend was living in. She Apparently moved out after investigating after the debt calls. 

Debt collector was calling me saying I owed money and only thing they had was my name and random addresses I have never heard of. 

I said send me the information but I don't have those addresses. I have owned a house in XXXX for the past three years that i just sold XXXX of XXXX. 


I'm not sure what has happened. I do not owe this debt nor ever lived at this place. They don't have any of my correct information. 

I have no Documents regarding this other than a few phone calls I ended up hanging up on and when this popped up on my credit report through XXXX XXXX.
Product: Vehicle loan or lease

I was Contacted by Bank of America sometime in XXXX about my XXXX 's past due XXXX XXXX bills. 

Initially, in XXXX Bank of America contacted me and my granddad 's sister and notified us that my granddad 's car was on their repossession list. My grandfather is an elderly man with XXXX and I have been acting as his representative since approximately XXXX of XXXX. Bank of America wanted to know where the car was and if anyone was driving it. Prior to receiving the calls from Bank of America I had been sending in monthly payments to Bank of America on behalf of my grandad, but I had lapsed during the summer of XXXX. After starting to receive the debt collection calls from Bank of America again in XXXX I started sending in payments again to try to bring the account up-to-date, despite this, Bank of America still continued calling asking to speak to my granddad XXXX, but he XXXX not answer any of their security questions due to his XXXX so they could not provide him with any information as far as his auto loan was concerned. Bank of America did allude to me that the payments that I was sending in were not enough and that they needed to speak to my granddad. They would not provide me with any information as far as how much was due or how much my granddad was behind. Sometime in XXXX I was able to reach someone at Bank of America who provided me more information after I faxed in my Guardianship paperwork to her. She could not provide me with any information over the phone, but she told me that she would mail in a payoff amount. She was not able to provide me with a statement of accounts. 
The payoff amount was submitted but no title was received. The title was not released. 

I contacted Bank of America at approximately XXXX on XX/XX/XXXX to see what was the hold up on mailing the title and an agent there told me that they had no record of the payoff letter and to fax it in to them. I faxed it in at a local Bank of America XXXX in XXXX, Ohio that same day. 

I called on XX/XX/XXXX at approximately XXXX to follow up and an agent at Bank of America XXXX me that the payoff letter was a mistake and that they want more money and will not release the XXXX until they receive it. Bank of America is essentially holding the title to the car at ransom, changing up their terms, and acting in bad faith.
Product: Credit reporting or other personal consumer reports

I did not give authorization to have any of the following names and addresses furnished on my credit report. Please block and delete the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX My only name is XXXX XXXX I am a very private person. 
My only address is and should be XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX. 
Anything that says otherwise does not belong to me XXXX XXXX the natural living person.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : 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 an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This accounts have resulted in fraudulent accounts appearing on my consumer XXXX credit report. I've attached documents with the account in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The aforementioned account on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned account is 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 the aforementioned consumer credit account is the result of identity theft.
Product: Bank account or service

My car was repossessed. The bank still reports this after the statue of limitations