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

THESE ACCOUNTS MUST BE REMOVED. XXXX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND EXPERIAN. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX Financial XX/XX/XXXX {$6300.00} XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :.

1 ) XX/XX/2018 Transunion for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by XXXX XXXX XXXX and submitted a dispute on my behalf. 

I then called XXXX XXXX XXXX and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX
Product: Credit reporting

I was told that the Bankruptcy that I filed in 2004, information was not showing in my report and it is attached you will find the documentation to support that they are still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes as well as an FTC report for fraudulent accounts on my credit reports. 

XXXX - XXXX {$3000.00} XXXX XXXX XXXX $ {$2600.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$62.00} Equifax XXXX XXXX XXXX XXXX {$62.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I reported lost debit card onXX/XX/XXXXdiscovering multiple atm unauthorized withdraws. My bank has still not refunded me. Wells Fargo bank has charged me more additional overdraft fees on both my accounts due to these transactions. I am not able to get any help.
Product: Credit card

I want to describe my constant frustration with trying to pay my bill with a store credit account. 

Most recently I purchased a mattress and needed to use a credit card. I opened an account with them and have had to go through the process of creating my username/password four times- I used a password manager and am incredibly diligent with my information. When finding my account for the fourth time when I went to pay it off, it showed that my account didn't exist. So, I chose to pay the remaining balance as a guest using my account number and it went through. I took a screen shot of the confirmation after the payment. However, I never received ANY confirmation by email that this payment was made on XX/XX/2024 and my remaining balance ( which should be XXXX ). 

Every other financial institution provides confirmation immediately when you've made a payment. The only email I received was that there was an attempt to login into my account- after it showed up that the account didn't exist. This issue has been going on for months. 

At the end of the day I believe that Synchrony is a predatory lending company that makes login and payment process deliberately difficult for the consumer so that they can apply late fees, ultimately destroying a credit record.
Product: Credit reporting or other personal consumer reports

I sent a request to Transunion to update my Legal Name Change, mailing address, and to remove personal information I did not consent to sharing in my credit profile to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for these items to be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} Inquiries XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a notification about an inquiry with TransUnion. Upon investigating, I discovered XXXX inquiries that were made without my permission, per 15 USC 1681b ( a ) ( 2 ). I immediately contacted TransUnion to dispute these unauthorized inquiries and I was informed to complete this form. 

Case # XXXX
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : Tricolor auto repossessed my vehicle at no fault of my own, the sales person at tricolor auto insured me that I was going to be able to make the one payment per month due to. I get paid once a month. The payment will be due by the first of each month. It's not my fault that this was not received by other departments within tricolor auto. In order for me to get my vehicle back Which was repossessed XX/XX/XXXX l had to make a payment of {$930.00} which then was changed to {$700.00} after I made the initial payment of {$930.00}. I still don't know the breakdown of why the payment was higher than what I was paying. Also I had never been late on any payment. Just this week on XX/XX/XXXX tricolor sent by email a document for me to sign which stated that I would be making payment he once a month payments which was {$660.00} and now will be {$720.00} which I don't know why the payments have gone up {$56.00} dollars. I also got a alert from my credit monitoring XXXX XXXX that TRICOLOR AUTO GROUP ^ account has become in Repossession Between XX/XX/XXXX and XX/XX/XXXX, your TRICOLOR AUTO GROUP automotive account went into repossession. Missing payments and having your property repossessed can hurt your Payment History and cause your score to drop. 
Balance Increased TRICOLOR AUTO GROUP^ account balance increased Between XX/XX/XXXX and XX/XX/XXXX, your TRICOLOR AUTO GROUP automotive account balance increased by {$490.00} from {$31000.00} to {$31000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. That being said my score has drop from a XXXX down to a XXXX. I didn't cause my repossession, I made my monthly payments on time, I never should have had any late fees, I had to come out of my pocket {$50.00} to pay the third part company for the tow fee. I'm a XXXX veteran, I have served my country for XXXX  years faithfully against all XXXX and domestic enemies I did not expect to retire and have to fight for my rights when I have done nothing wrong. This a travesty on tricolor 's part and they need to make it right.
Product: Debt collection

I received 22 phone calls in one hour from this debt collector. I told them it wasn't mine. they were insistent that it was. I don't need to have a debt collector calling me 22 times an hour for something that is not mine.

I have attached proof of calls.
Product: Debt collection

I was a victim of identity theft. USDOJ has already convicted XXXX persons for it. 
In late XXXX I received a collection notice for a XXXX XXXX and contested it. 
On XX/XX/XXXX I received a letter from XXXX confirming the account was deemed fraud. 
Today I received a collection notice from another agency, Source Receivables Management, for the same account.
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. 

Account name : XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

I attempted to transfer significant money from Chase bank to one of my other bank accounts. They did not recognize the account and said that they needed to " verify '' the account by depositing some minor amounts into my account, which they did. They said the process would take 2-3 business days. It took 5 days before they asked me to identify the quantities. I did and they verified the account. I then directed the transfer on the XXXX and they were to make the transfer on the XXXX. On the XXXX they blocked my account due to suspected fraud. I had to call their fraud reps who hung up on me multiple times. I finished their verification twice and finally got one of them to unlock my account. He told me I would be able to redo the transfer after 30 minutes. It has now been hours. now. The reason they gave for blocking my account was that they could not verify that I was the owner. What was the transfer test for if not to verify the account? They are holding my money hostage by unilateral decision. I rechecked with the receiving institution, and they verified that I had the right transfer address. I am planning a major expenditure and need this money soon. What good does it do to have money in the bank if they won't give it to you?
Product: Checking or savings account

In or around early XX/XX/year> I received a promotional mailer from Citizens bank advertising a XXXX total bonus in exchange for opening up a checking and savings account if opened by XX/XX/year>, in addition to other terms. On XX/XX/year> I opened a checking and savings account with Citizens and entered my XXXX debit card information for transfer of XXXX to Citizens, for which I received a transfer confirmation from Citizens that showed {$500.00} account balances in both the Citizens checking and Savings account. The debit line item on my XXXX checking account reflected Citizens as the withdrawal source. Approximately two weeks later I logged back into my Citizens account to make sure the transfer was made ; however, both the checking and savings account balances now reflected {$0.00}. I spent extended periods of time on hold after calling Citizens, and was eventually told by an account rep that even though Citizens previously provided confirmation that the funds had been transferred to my Citizens checking and savings account, the funds were in fact not there. The account rep then went on to explain that I had to make a claim with my own bank, XXXX. I then received a call from a woman XXXX XXXX that claimed she was from the Office of the Chairman. I was given various assurances that the funds would be transferred from Citizens. I was put through additional hoops including going to the Citizens branch all under the guise that this was Citizens ' oversight and that the {$1000.00} would be replaced by Citizens. I also, in an abundance of caution began a claims process with my bank, XXXX, who ultimately told me that XXXX had nothing to do with this because the funds were officially debited by Citizens, and transferred to Citizens. On XX/XX/XXXX, I was informed by the same alleged Citizens XXXX, XXXX XXXX that " I have confirmed with our claims department the credit to Citizens failed and we are unable to pull the funds into the Citizens account. Unfortunately you will have to file a claim with your debiting bank. '' When I looked up information on Citizens bank online, I found XXXX reviews- the vast majority of which, based on my reading, claimed serious issues involving customer funds. I am reporting this both to reclaim my {$1000.00} from Citizens that was unlawfully taken as well as to alert the law enforcement to potential other customer who are victims. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a XXXX transfer of XXXX EURO from my XXXX XXXX account to Coinbase on XXXX XXXX 2018. I have since discovered that XXXX uses XXXX to process its XXXX payments. I have also subsequently discovered that Coinbase do not accept XXXX transfers from XXXX, although Coinbase failed to indicate this. I understand my transfer was therefore rejected by Coinbase, however it was returned to XXXX without the required account information for it to come back to my XXXX account. 

I have been informed by XXXX that the ONLY way I can get the money back is if Coinbase completes and sends me an XXXX form with the required information for the money to be returned to my XXXX account from XXXX. 

I have tried to contact XXXX repeatedly via email and telephone to resolve this but have not had any response as yet. It has been weeks and I am very concerned about the whereabouts of my money and quite frankly the lack of concern and assistance from XXXX.
Product: Credit reporting or other personal consumer reports

Soon checking accuracy of credit report notices theses items where on my report they a clear identify theft I was XXXX XXXX at the time!
Product: Student loan

I was called by One File.org back in XX/XX/2016 about consolidating my loans into a new program that would allow me to make much lower monthly payments based on my income and that all student loan debt remaining after 120 on time monthly payments would be forgiven. The initial quote from one file was a monthly payment of {$120.00}. They told me that I would need to make 3 installments of {$300.00} in order to have my loans included in this program. I never agreed to pay the fees or to have my loans consolidated, I just requested that they send me all of the information and my final quote after I provided them with my income documents. I later found out that they had taken the complete {$900.00} fee out of my checking but never did anything about my loans, so after about 6 months I called to inquire and they said that someone would have to call me back. 3 months after that I noticed that I was receiving mail from a loan servicer named XXXX XXXX XXXX XXXX and that this same company was taking {$240.00} per month out of my checking account. I called both companies immediately. XXXX XXXX told me that they were servicing my consolidated loans. One File.org still could not answer my questions and when I requested the fee be returned to me and told them that I never agreed to have my loans consolidated, they told me that they would have to have a supervisor pull the recording of the calls and get back with me. One File.org was also taking {$10.00} per month from me for broker fees. Someone from XXXX XXXX told me to change my FSA ID and password to end the illegal fees, so I did but somehow One File.org changed it again to continue taking the fees. To this day, I call frequently with no response from One File.org and now pay more per month than if they had never called me to begin with.
Product: Credit card

Bank of America has reduced and closed all of my credit accounts. This occurred 14 days after filing a complaint with the CFPB. I am asking that this be investigated as I believe that BOA is acting in a retaliatory fashion based on my complaints.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX  or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Product: Credit reporting or other personal consumer reports

Portfolio, a debt collection agency has unlawfully reported derogatory information on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. The agency has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.
Product: Credit card or prepaid card

Some unknown suspect applied for a credit card in my name that I did not give my permission to establish this is the result of fraud and identity theft I reached out to the company and they made no steempt to investigate this or remove this fraudulent item from my report 30 days has well lapsed since I submitted this dispute
Product: Vehicle loan or lease

I purchased a   XXXX   XXXX   XXXX   on  X/X/17  I paid  XXXX  in cash and a trade in of a   XXXX   XXXX   XXXX   for    XXXX    in which they deferred another  XXXX  up in  four  payments of   XXXX  . The first payment made on  X/XX/17  the motor blew up and I was without a car for a week and was n't reimbursed for my rental for almost  three  weeks. I was informed that the replacement motor was also defective so they were going to give me a newer model   XXXX   XXXX   in which his all transpired on    XXXX   . I then realized they had made the mistake on the payment dates and I called them and they adjusted that for me which took a few days. Well on     XXXX   XXXX   XXXX     I realized that they had n't pulled my payment out I called and realized my credit card had been stolen and money in my account was compromised. So I called my bank they stopped the card issued me a new one and I kept in contact with CNAC to let them know as soon as I get the new card payment would be made. During all this myself and Co-signer   XXXX   XXXX   had both changed jobs. In which I disclosed to CNAC as well. So on  XXXX  I received my new card spoke with a  XXXX  we tried to run the payment  three  times did n't go through, it was after bank hours so I had to wait till sat  XXXX  to call bank they realized something was wrong with cars said they would issue anothe r one. Well Mon day was a holiday. Tuesday  XXXX  when I got off work tried to call to make payment and CNAC was closed.  Forty five m in later repo people were at my door. I called CNAC on  XXXX  right at   XXXX   XXXX   to make a payment was treated very rudely and disrespected put on hold fo r five m in then was told management made a decision that they were n't going and further with the relationship with me. O trie d two mor e times to make the payment which by   XXXX   was only 12 days late and in the amount of  XXXX . I just want my car back and continue to work and provide for my family. Please help me I feel this is unfair.
Product: Credit reporting or other personal consumer reports

I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to help
Product: Mortgage

My home was destroyed XX/XX/2021 due toStorm the Insurance company paid a settlement for the house and it was sent to the mortgage company it has been sitting in an account for almost a year and we have been paying rent and storage trying to sell the vacant land the mortgage company put forced insurance on just the lien when the insurance company could no longer ensure the property I have tried to get the 3 inch the mortgage company to remove the forced insurance because we have a buyer for the land and with the amount that we were asking it will just pay off the mortgage if they dont remove the forced insurance there will be not enough moneyTo pay the loan off the mortgage off with the XXXX XXXX  that they are holding and we have asked repeatedly please help let us pay that mortgage off we dont get any proceeds from the sale we have lost everything and they refused to to give us any assistance or even answer our questions