23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Around early XX/XX/XXXX between the XXXX I had received a notification on my phone from a credit monitoring app, indicating I had a recent inquiry from Sams Club Credit Card Services reflected on my credit report. I was so confused as to why this was appearing on my credit report as I had not applied for any credit card. Around XXXX I check my mail and get a letter dated XXXX XXXX from Synchrony Bank Stating my application for the Sam 's Club Credit Card was being denied due to the following reason : " unable to confirm your identity with enough confidence to approve your application at this time ''. I was so confused and was wondering who this could be or how did this occur because it was definitely not me applying for this Credit Card, however I do have a membership with Sam 's Club, so I thought maybe this was a mistake? But it still did not make any sense. I called Sam 's Club Credit Card Services the day I received the letter, the lady on the line was very rude didn't want to help me when I requested additional information on this application denial letter, the lady was condescending laughed and did not help me and so I ended the call. I proceeded to call Synchrony Bank to see if they can possibly help me, but unfortunately, they just informed me I had to call Sams Club Credit Card Services to get additional help. So, I did, this time I was helped, the lady on the phone told me this application was done in person at a Sams Club near my address but could not provide me with any more information, she mentioned sometimes things like this happen and maybe this was a mistake. I kept asking how is it that this person was able to submit an application without proper ID, where this would have been caught given the other person could not have my ID if this incident was indeed in-person. She kept telling me this happens it's just a mistake however I was not happy about this and how it was affecting my credit score or how my personal information is at risk. I asked to speak to someone else who can help me because this was not ok. The lady on the phone let me speak with another representative and they took more information from me and told me they will reach out to Synchrony Bank to get this solved. I later get another letter in the mail dated XX/XX/XXXX indicating they were unable to locate my account with the partial account number or the information provided ( every time I called, they had me provide CC information however I didn't have a credit card, so I was providing my social security # ). Days later I call again and request to get this solved as this still is affecting my credit score. This time the operator on the phone tells me this will be handled, and I will get a letter within 30 days in the mail trying to resolve this issue. I do get a letter in the mail on XX/XX/XXXX. However ( as you can read in the letter attached ) this issue was not resolved. I later called the Credit Beuros XXXX and XXXX and they informed me to file an FTC report and send information to all 3 Credit Bureau 's to get this removed from my credit report since this inquiry was never made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Express Mail on XXXX XXXX2020 to Experian using the United States Postal Service to request a Method of Verification on a Dispute Results which I received on XXXX XXXX,2020 on File Number XXXX on a Collection Account by XXXX XXXX Account Number XXXX 

The Collection Account Displayed a Balance of {$450.00} and a Past Due Amount of {$450.00} which is an Inaccuracy Negative Information Reporting ...
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report that were opened fraudulently as a result of a data breach, making me a victim of identity theft. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized items be permanently removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$32000.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$16000.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$32000.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$11000.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$2400.00} XXXX. XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$380.00} XXXX. XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$14000.00} XXXX. XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

According to the IRS Canceled debt ( CHARGE OFF ) Is gross or ordinary Income. According to the BUREAUS INCOME DOES NOT GET REPORTED. So this CHARGE OFF is Inaccurate
Product: Credit reporting or other personal consumer reports

These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit specialist looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 


XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX  {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX  {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXXInquiriesXXXX 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

RISE on XX/XX/XXXX reported an account and address that is not mine. I was told to complete an identity theft report to RISE and they would delete this fraudulent information from my XXXX  credit file but they havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a many time over to have access to my main Transunion Credit report, but to no avail. I've only been allow to access my credit report using " XXXX  '' and " XXXXtransunionXXXX  '' that are both sub-standard access to our credit report activity. 

And after bring the math together which took a few years, I now know why I've not been able to gain access to the main Transunion.com credit access. And what makes things even worse, I've over the past couple of years have been PAYING for the XXXX Transunion access, but still not allowed access. 

It turns out, some other operation has been using my XXXX Transunion, and I'm believing its something that Transunion has been aware of. I won't mention how I found this out, but the past 3 months or my putting things together has confirmed why there are so many other transunion accounts and why we have not been allowed to access the XXXX Account. But after finding out why its being used, this should be a criminal act. Because Transunion has been participating in sharing what its is supposed to be keeping private. I have the proof!!!!!!!
Product: Checking or savings account

On XX/XX/XXXX in CITIBANK, XXXX, FL. I opened the Citi financial products Regular Checking and Citi Savings. In this ocasin, our go-to banker offered a cash bonus for the opening of my City Checking Account, in the amount of {$300.00} for maintaining a minimum deposit and balance of {$15000.00} within 60 days after the day of opening the account, condition that has fulfilled and currently maintain. 

However, as of today XX/XX/XXXX, Citibank has not complied with payment the cash bonus.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I had XXXX credit cards with Synchrony bank - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. ; I asked several times in writing for them to close them and they would not do it. Furthermore there was a fraudulent charges on my XXXX card, they eventually rescinded the charges but in the meantime issued a new card in my name & carried over the fraudulent charges that were eventually dismissed. They activated the new card without my permission and then refused to cancel it out ... .. meanwhile, I had some loans taken out and my credit rating was adversely affected by having these XXXX cards which led to me getting hit with higher interest rates which will cost me thousands of dollars in the long run. How will XXXX reimburse me for this??
Product: Credit reporting, credit repair services, or other personal consumer reports

the information of my credit report is not correct and invalid items are on my credit report that should be removed.
Product: Mortgage

We lost our home due to foreclosure in XXXX ; however, the process began between XXXX. I believe Wells Fargo and their unlawful loan modification denials led to the loss of our family 's home. I am in possession of over 100 pages of documentation which support communication to support the belief that my family was a victim of the Wells Fargo violations that effected several of the banks largest products and ultimately contributed to the loss of customers homes. In addition, my mother 's credit was deemed delinquent by Wells Fargo and used against as a reason why they would not approve the loan modification we requested - that was NOT TRUE but they still continued to utilize this misinformation as a standard to deny the modification. In XXXX, after a report surfaced about victims of this underhanded practice, Wells Fargo admitted they made an " error '' in regard to the credit reporting issued against my mother but would not investigate the loan modification denial attached to the case. Please help us as this matter is of utmost importance to me. Our lives have been impacted and destroyed by this unfortunate situation. We lost everything and were forced to make life altering decisions which changed the entire trajectories of our family 's existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting XXXX as a collection and as an account that was bought by a third party. Not only is XXXX  reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.
Product: Credit card or prepaid card

All the money {$1500.00} was taken from my account on XX/XX/XXXX. I called the XXXX to tell them about the fraud. They said they would open a claim and they did and then my claim was automatically denied when I called back they said they re-opened it this happen back-and-forth many times and I finally called back again and they said that they denied it for multiple reasons two of those reasons were incorrect and Im still left without the funds the card never left my possession I never made the transactions wasnt in the city at the time it happened etc.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my Equifax credit report, which have recently come to my attention. These inquiries were conducted without my consent or authorization, and as such, I request their immediate removal from my Equifax credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ). 


XXXX. XXXX XXXX  - XX/XX/XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX  - XX/XX/XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX  - XX/XX/XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX  - XX/XX/XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX XXXX  - XX/XX/XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

Under Section 609 ( a ) ( 2 ) of the FCRA, consumers have the right to request the disclosure of their credit report, including the sources of inquiries made within the past two years. Upon reviewing my credit report, I discovered unauthorized inquiries that were not initiated or authorized by me. These inquiries have negatively impacted my credit score and financial standing.

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. The unauthorized inquiries on my credit report are inaccurate and misleading, as they do not reflect any legitimate credit transactions or applications initiated by me.
Product: Mortgage

On or about XX/XX/XXXX, I was contacted by XXXX XXXX. XXXX XXXX is a senior consultant at American Pacific Mortgage ( APM ). XXXX XXXX told me I had not been given the proper time to review documents associated with my original mortgage loan. Also, he told me APM would refinanced my loan at no cost to me. 


On or about XX/XX/XXXX I received some information from a federal government agency. An XXXX XXXX XXXX XXXX ( XXXX ), Loan Estimate with an issue date of XX/XX/XXXX and a XXXX Addendum to Uniform Residential Loan Application was included in the disclosure. 


My analysis of the documents follows : 01 ) I had not seen any of these documents before. 


02 ) All documents had an interest rate of 4.250 %. I was unaware of a potential 4.250 % interest rate. 


03 ) All the documents electronically signed with my name are forgery. 


04 ) All the documents electronically signed with my name have the same date and time stamp. 


05 ) All the documents electronically signed by XXXX XXXX have the same date and time stamp. 


06 ) All electronic signatures look like they were written by the same person. 


07 ) The XXXX has an extra blank page with an electronic signature of my name. 


I have questions about the attached document. 


01 ) I would like to know why I never saw any of these documents?

02 ) I would like to know why I was told about the 4.250 % rate?

03 ) How is it possible that all the documents electronically signed with my name have the same date and time stamp? 


04 ) How is it possible that all the documents electronically signed by XXXX XXXX have the same date and time stamp? 


05 ) Why do both electronic signatures look like they were signed by same person? 


06 ) Why does the XXXX have an extra blank page electronically signed with my name?
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 XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

As stated in my other complaint, around {$50000.00} were unauthorized transfer and withdrawn from my Chase accounts including four accounts opened in XXXX or before and four new accounts opened on XX/XX/XXXX but hacked on XX/XX/XXXX. Because I was on a sick leave, I was able to discover the frauds quickly and reported to Chase Livingston branch immediately. For example, the first four frauds occurred on XX/XX/XXXX around noon and I saw them and reported to Chase Livingston around XXXX ; the second set of four frauds occurred on XX/XX/XXXX around XXXX and I discovered and reported right away. On that day, it show the Chase Livingston was able to return three of the four withdrawals on XX/XX/XXXX ( but on XX/XX/XXXX Chase posted the withdrawals ). Before a comprehensive investigation, Chase sent me multiple letters accusing me the item ( s ) being disputed were authorized or you received benefit from the item ( s ).

Chase credited {$9000.00} ( withdrawn on XX/XX/XXXX in my old saving account ) to my new saving account and sent me a letter on XX/XX/XXXX. In the letter, Chase stated If you havent already, we recommend closing this account. However, I was refused to close the account by the Chase Livingston manager. I was accused that I did not understand the letter correctly. 

As a XXXX XXXX holder and having been very carefully securing all my IDs, credit/debit cards and checks, I believe the above statements made by Chase and the Chase manager are solely based on my minority racial identity and female gender. I request Chase to investigate if Chase discriminate its costumers based on racial and gender identities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA,  requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already  rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from a XXXX XXXX stating that he was from the Head Office of Visa/Mastercard Card Member Services . He identified my total credit card debt and offered a service which included a balance transfer. He stated that XXXX XXXX XXXX would arrange this. I was transferred to a Credit Advisor, XXXX XXXX at number XXXX. He explained the process and verified my personal information. I told him that I needed some time to think about this. He suggested that I give him a call on his direct line once I made a decision ( XXXX ). I called and left a voicemail stating that I did not want to move forward. On XX/XX/XXXX XXXX from, head quarters, verified that they received my voicemail but stated that once they start the process it can not be reversed. She claimed that they had a signed agreement from an XXXX phone on XX/XX/XXXX. I never signed anything and when I asked her to provide a copy, she stated that I need legal representation to get a copy of the call or the agreement. One of the cards they opened in my name was a JetBlue World Mastercard ending in XXXX with Barclays. 

In the meantime, I filed a report with the XXXX XXXX Police XXXX and an Identity Theft Report with the Federal Trade Commission. I provided copies of both to Barclays, XXXX and XXXX. Barclays conducted several investigations resulting in the original balance ( {$2600.00} ) being waived but the fees remained. These fees have left a negative flag on my credit report, thus impacting my credit score. 

XXXX XXXX XXXX has not been held accountable for the theft of my identity.