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

I am writing to formally dispute the accuracy of the following accounts listed on my credit report, which I believe were affected by the 2017 XXXX data breach. Under Section 605 ( b ) of the Fair Credit Reporting Act, I am requesting that the accounts be removed from my credit report within fouXXXX days, as they are likely the result of identity theft stemming from the breach. 

The affected accounts are as follows : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX These accounts do not belong to me, and I believe they were opened fraudulently as a result of the XXXX data breach. I have already taken steps to protect my identity and have reported the breach, and I am requesting the removal of these accounts from my credit file within the four-day period as stipulated by the law. 

Please send me confirmation that these accounts have been removed. Additionally, I request a copy of my updated credit report after the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these accounts within the specified timeframe.
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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  or charge off # XXXX, Account name : XXXX XXXX  XXXX bank # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXXF # XXXX Account name : XXXX XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have an IRA CD and a family trust CD with Synchrony Bank. on XXXX, 2019 I received two emails within 7 minutes of each other that stated that a trial deposit has been successfully made to an amazon creditbuilder account. We do not own this account. When I attempted to reach Synchrony regarding this issue, I got a recording stating that the number was not a working number and it came up as a spam number on my phone. This is a number for synchrony that I have used before. Every number attempted to reach the bank resulted in the same result. I am concerned that money has been removed from either of both of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I was sign up for a job finding service on XXXX without my consent and was charged {$45.00} to help with job searches.
Product: Credit reporting, credit repair services, or other personal consumer reports

From a collection agency called XXXX XXXX  XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.
Product: Student loan

Nelnet reported on all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out. The name on the contract is NOT my name. I have called Nelnet several times, police/detectives have called Nelnet several times and Nelnet refuses to send information or provide information over the phone. Nelnet has mailed information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused so many issues for me, including killing my buying power. I was unable to purchase my home because of the FRAUDULENT loan. At one point all 3 credit bureaus removed this fraudulent loan from my reports and then Nelnet provided XXXX with more false information and it is back on my credit report fraudulently. They are reporting payments being made that I never made on this fraudulent loan along with other false information that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. The loan is not in my name. It has caused such hardship, I have been unable to access credit in my name because of this fraudulent loan and this has been going on since 2019. Nelnet has random names and addresses that they mail information to that is not my name and not my address.
Product: Mortgage

I have a XXXX loan with Plaza Home Mortgage Company. Due to no fault of my own, the construction project was delayed and an extension was granted. The project is still only a couple of weeks behind schedule. I requested a 2 week extension and was denied. I was also threatened with foreclosure and was told that I am on a final HUD default list. I have been making timely payments and have not missed any payments all throughout the duration of the loan. I have spoken to the XXXX administrative processor and his supervisor, to no avail. They both refused to allow 2 more weeks to finish the construction. Unfortunately, after they threatened foreclosure, they have been purposely delaying the processing of the contractors XXXX draw and do not return phone calls in a timely fashion.
Product: Mortgage

The Complainant sent the United Wholesale Mortgage - The Mortgage Company several correspondence including Notification and instructions regarding Accord Satisfaction. The company never responded to any of the correspondences.

The Complainant then sent a Money Order with instructions to settle the outstanding loan.

The company received and cashed the money order which settled the outstanding debt but continues to ignore the lawful accord satisfaction process and is sending the complainant threatening correspondences. 

See the attached summary of all communication between the Complainant and the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have a right to privacy.

Under 15 UCS 1681 section 604A section 2 also states that consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I paid off the past due balance to the City of XXXX and the account is still showing up as a collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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. All of the aforementioned accounts, collections, and hard inquiries are 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 that all 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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/year> at XXXX AM, I was charged {$1200.00} on my XXXX Card for a purchase at an XXXX XXXX. Since I didnt authorize or make the purchase, I immediately contacted XXXX and blocked my card. XXXX opened a dispute and had me reset my XXXX ID password. However, every 90 days, the refund is reversed without any proper explanation. 

Ive repeatedly asked XXXX to trace the transaction to an order, but they couldnt find anything for that date. Goldman Sachs, the issuer of the XXXX Card, hasnt been helpful either. Ive spoken to XXXX senior advisors, all of whom assured me they would escalate the matter to the disputes team and provide a proper explanation before reversing the charge, but this hasnt happened. The issue has been going in circles, with neither XXXX nor Goldman Sachs able to identify or resolve the transaction.
Product: Credit card

On XX/XX/year>, I applied for a CapitalOne credit card through XXXX account, which advertised no hard inquiry unless approved. Application # XXXX. On XX/XX/year> I spoke with a CapitalOne fraud XXXX to verify my identity. I never heard or received any information or notification from CapitalOne since that time. On XX/XX/year>, I called to find out the status of my application. The first representative I spoke with found and verified my application, reviewed the steps of the application : " XX/XX/XXXX - submitted ; XX/XX/XXXX - additional information needed ; XX/XX/XXXX - verification call ; XX/XX/XXXX - denied by underwriters. '' He further indicated that this application needed to be handled by a fraud specialist and transfered me to XXXX. XXXX looked into the application and verified the same information but could not explain why I never received any notification of the application status or decision. XXXX transferred me to a supervisor who told me the first two representatives were lying and the application was denied on XX/XX/XXXX, which was before the identity verification phone call and underwriter decision. Regardless, I never received any notification of the adverse action : application denial as required by FCRA Adverse Action Disclosures Section 615 ( a ) and ( b ) ; 15 U.S.C. 1681m ( a ) and ( b ). Section 615 ( a ) - ( b ) requires users of consumer reports, such as creditors, to make certain disclosures when they : 2. deny credit for personal, family, or household purposes or increase the charge for such credit based in whole or in part on information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

*****CapitalOne is therefore in violation of FCRA by not providing this written disclosure of the adverse action. 

****No attachments because CapitalOne never provided them. 

****Second issue was the guarantee by XXXX XXXX CapitalOne XXXX MyExperian.com partnership to only perform a soft inquiry on my credit report unless I was approved. CapitalOne violated this agreement with XXXX and placed a hard inquiry on my credit report on the date of the application. This inquiry should never have been placed on my credit report as per the advertisement on MyExperian.com.
Product: Vehicle loan or lease

Santander repossessed my car on XX/XX/26 and I still havent received any notice of repossession letter in the mail.
Product: Debt collection

I received correspondence from R A Rogers stating I owed a balance to them. I have sent a letter to XXXX XXXX XXXX XXXX a request for validation as well as a contract of a signed contract with them and they have not provided either. Then I was threatened by someone whom identified themselves as a lawyer of a lawsuit. I have not entered into any contractual obligation with them so how can they report a date opened, date closed, account number, date of status, as well as status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  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

I am a small business owner, during the months of XXXX, XXXX the administrator of this company had reached out to a couple of funding sources with my permission. However, during the month of XXXX several marketing funding offer came through after hitting my credit report. I have not been able to get the names of all the companies but I did not give my permission to obtain a credit check. I believe this cause a significant drop in my credit score.
Product: Credit card

I am urgently seeking help regarding a serious case of identity theft and mismanagement by Barclays Bank involving a fraudulent credit card opened in my name. 

On XX/XX/XXXX, just XXXX days before moving back to North Carolina, I was alerted that a XXXX XXXX XXXX XXXX XXXX Barclays Bank XXXX been fraudulently opened in my nameat a store in Texas XXXX where I have never lived. This occurred shortly after Barclays had already flagged suspicious activity on my XXXX XXXX credit card account. Despite this red flag, Barclays still approved the new fraudulent application and even emailed me to congratulate me on the new profile. 

I immediately contacted Barclays on XX/XX/XXXX, reported the application and charges as fraudulent, and was assured the card would be suspended and that an investigation would begin. I also filed a police report with the XXXX XXXX, CA Police Department ( report # XXXX ), where I was residing at the time. 

But on XX/XX/XXXX, a full month later, I logged into my Barclays account and was shocked to find a statement showing a balance due. When I called Barclays, I was told that the person I spoke to on XX/XX/XXXX never submitted the investigation request and failed to document anything on my account. I was again told the card would be suspended and that an investigation would begin. 

Then, on XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX, postmarked XX/XX/XXXX ) stating that the investigation had been completed, and the charges were deemed valid because it was determined you benefited from the use of the account. They removed the fraud alert and reactivated the carda card that I have never had in my possession. 

To make matters worse, Barclays claimed the account is valid simply because the fraudulent address used " matches an address on your consumer report. '' This is deeply concerning, as that address XXXX have been added by the identity thief. Barclays somehow had my current North Carolina address, even though I had not updated the account myself. 

When I called again, I requested to speak with a supervisor. I was told none were available and that one would call me within XXXX hours. I never received a call back. On the same day, I was charged a late fee for a fraudulent balance. 

I am exhausted, frustrated, and at a loss for what to do next. I have done everything I can to prove this account was opened fraudulently, yet I am being held responsible for charges I did not make. 

Please, I need your help. I am trying to protect my credit and my identity, and I feel completely failed by Barclays lack of due diligence and customer support. I fear this situation will only continue to spiral without immediate intervention.
Product: Payday loan, title loan, or personal loan

I have a personal loan with citi bank that i tried to get my money back because i paid more than i should have, there are items that was added to my account like principal debit adjustment of $ XXXX that even the case representative cant explain and for that reason he said he will call me back with the explanation after XXXX its kore than a week no call receive ive been waitingi have XX/XX/XXXX payment that i made using my checking account from them to my personal loan now no where to be found even in my checking transaction history, but i have a screen shot of my payment and they said using the citi app is only for information only and still in the statement that you will see all the transaction, but my payment is not there anymore. I ask them where did it go? They said it didn't happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm reporting this complaint as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of informationto credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

Closed the account, did not return the credit balance, as requested, several times. 

Account number XXXX XXXX XXXX XXXX