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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 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, credit repair services, or other personal consumer reports

I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and DOB to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently XXXX bank. 
I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. 
I have also placed credit freezes with all three credit bureaus. 
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. 
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. I have a verified self-attestation on file with Experian, yet Experian has not handled my dispute correctly.I uploaded to the Experian website on XXXX XXXX, and also XXXX XXXX. The items I'm disputing due to trafficking and I attached the self-attestation that Experian has previously validated on XXXX XXXX ( see attached ). I called 6 times requesting Experian to block the following information from my credit file pursuant to Section 605C of the Fair Credit Reporting Act { 15 U.S.C. 1681c-3 } within four business days which Experian has not which violates federal law.I demand the following items be blocked immediately and Experian pay me statutory damages of {$1000.00} per violation for willful negligence.The following items listed are a result of that trafficking : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send me notification via e-mail at XXXX of the actions taken.
Product: Debt collection

After several months of asking Santander for proof of claim in accordance with 12 CFR 1026.13 billing error, and 16 CFR 433 Santander refused to provide documentary evidence, full disclosure public and private nor validation of a debt owed to the company. Ive made several attempts to make notice of a deceptive and fraudulent contract and now as Santander is aware that I am aware of their fraudulent activity, they now are attempting to seize property federal law states the United States is responsible for, that I use for personal, family and household fully aware they have no certificate of indebtedness. Ive made Santander aware that I never received chattel paper, rights of rescission disclosures under electronic transfer act nor the second copy in hand nor any material disclosures I inquired about. I never received a contract in the mail between the 30 days given for their registered agent to sign to said contract making it binding. Pursuant to my rights under 16 CFR 433.1, 433.2, 433.3 which Santander is in violation of, the company is also providing deceptive forms and misrepresentation 1692. My rights to rescind were still in effect because of the failure to disclose. 
A one sided contract is deceptive. Santander committed bad faith and fraud, Santander forfeited their rights to collect any promise to pay/federal reserve notes by not complying with XXXX CFR XXXX, and illegally collecting FRNs on abandonment of property, illegally attempt to seize over billing error and not acknowledging i gave consideration with my trust account number and signature which created a negotiable instrument illegally securitize. fraudulently forging my signature repeatedly which under federal law is aggravated identity theft, Santander also sold my security without my acknowledgment nor written consent under UCC 1-202. Under UCC 3-603 will you be bringing fraud upon the court with this invalid claim? An Affidavit of lost note no longer applies and under UCC 1-3 there is no lien on property. Notice, any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the debtor shall not exceed amounts paid by the debtor hereunder and XXXX XXXX included in the contract. How can you repossess what does not belong to you, 18 USC 8 Obligations of the United States, paid for with a signature. A fraudulently collected down payment with a consumer credit transaction, and you sold my negotiable instruments while committing contract law fraud, UCC, FEDERAL LAW, and IRS fraud. Furthermore a securitized debt is considered a modification which is no longer a debt UCC 1-306d. Unconscionable documents. 
I am the consumer, a natural person asserting my rights of XXXX XXXX XXXX XXXX XXXX XXXXt 1, PUBLIC LAW 10 chapter 48 STAT 11XXXX, PUBLIC LAW XXXX XXXX STAT XXXX, TRADING WITH THE XXXX XXXX XX/XX/1917, and XXXX XXXX PUBLIC LAW XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was trying to acquire a personal loan thru XXXX. When running my report It was noted that I had a delinquent account. On XX/XX/2018 I pulled credit reports from all 3 credit bureaus, I filed a complaint for resolution to remove the negative account because it was reported as closed late, but it should have been reported paid closed never late. On XX/XX/2018 I contacted XXXX XXXX XXXX to notify them of their mistake. They were able to fix it under AUD Control Number : XXXX and sent all 3 credit bureaus the new information. On XX/XX/18 reporting was updated on XXXX, and XXXX   but not trans union. I submitted another dispute via trans union site on XX/XX/18 and On XX/XX/18 again I submitted 3rd dispute via trans union website, and ( 4th ) via telephone complain to supervisor XXXX XXXX at approximately XXXXpst. I also purchased a credit monitoring not by choice but because I felt obligated so my complain would be resolved. Its been 4 months and this is affecting my credit score and I can't buy a home or open credit due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT SOFI ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE
Product: Credit reporting or other personal consumer reports

DUE TO A DATA BREACH AT CREDIT KARMA, MY INFORMATION WAS USED TO ATTEMPT TO OPEN A CREDIT CARD AT XXXX XXXXXXXX IN XX/XX/year>. XXXX XXXX SENT ME AN EMAIL STATING THEY WERE UNABLE TO OPEN THE ACCOUNT DUE TO MISSING INFORMATION. I WAS UNABLE TO REVIEW THE " WHY '' OR WHAT WAS BEHIND THE EMAIL BUT I CONFIRMED THIS WAS FRAUDULENT ACTIVITY. 

HOWEVER, I DISCOVERED THE INQUIRY WAS STILL REPORTED TO THE CREDIT BUREAUS. I SPOKE WITH XXXX XXXXXXXX IN XX/XX/year> AND THOUGHT THEY WERE REMOVING THE INQUIRY, BUT AS IT TURNS OUT THEY DID NOT. I CALLED AGAIN AND NOW XXXX XXXX IS REQUIRING ME TO SEND A COPY OF EVERYTHING VIA SNAIL MAIL TO DISPUTE THE INQUIRY SO THEY CAN HAVE IT REMOVED. THIS IS UNBELIEVABLE. IT IS THEIR MISTAKE ( NOT MINE ) - I DID NOT REQUEST A CREIDT CARD FROM THEM, AND IT NEVER EVEN WAS OPENED. THEY VERBALLY TOLD ME THEY WOULD FIX IT, AND NOW ARE REQUIRING EXTRA WORK FOR ME TO SEND THEM A LETTER VIA XXXX TO REQUEST THEM TO FIX IT. WHAT ERA ARE WE LIVING IN? TO TOP IT OFF, THEY STARTED ENDING MY EMAILS ON HOW TO IMPROVE MY CREDIT SCORE USING THEIR PAID FOR SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy Pursuant to 15 USC 1681 b2
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C 1681 SYNCB/PAYPAL is in violation of my consumer rights for unlawfully obtaining my XXXX consumer report on XXXXXXXX without my authorization or permissible purpose under the FCRA provides.A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with SYNCB/PAYPAL Further , I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SYNCB/PAYPAL for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 

For the sake of judicial economy. I am willing to settle this matter without any admitted liability. I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above within 14 days of receiving this demand. 

Please be advised that I am prepared to litigate this matter if you do not comply with these demands. Upon timely receipt of {$1000.00} payment. This letter shall be a general release of all claims herein.
Product: Debt collection

I sent Merchants Adjustment Service a debt validation letter XX/XX/2022 I have proof of a return recite. So I waited until XX/XX/XXXX to call them and ask them where are the validation of this debt I need proof they avoid sending me it. Then I call back and spoke to a male representative and ask them again about this debt validation letter and he said that they sent it out on the XXXX but I never received this. So he advised that he will send it to my email I gave him my email address and he said it will be sent out before the day end I waited and never received the validation and I also check my spam box to make sure it didnt went to spam. Its a violation of the collection practices act for a debt collector to refuse to send me a validation notice or fail to respond to my validation letter. The law is very clear as to the Civil liability and the remedy available to me for negligent XXXX XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. From the date I sent the debt validation letter which is XX/XX/2022 I gave XXXX 30 days to send me validation documentation thats this account is mines if I dont receive anything as In proof of what I listed in the debt validation letter from Merchants Adjustment Service by XXXX XXXX please remove this account from my credit report immediately and dont say you sent it out because I didnt receive it if you sent this out please provide a certified recited with the date that the male representative told me it was sent out which is the XXXX please show me proof of you cant show me proof Im asking that you delete this account from my credit report Thank You
Product: Credit reporting

I am in dispute of previously deleted inaccurate information re-inserted on my credit report, received on XXXX/XXXX/2015 from Equifax , dated XXXX/XXXX/2015 : Confirmation # XXXX : XXXX XXXX XXXX : Collection Reported XX/XX/2015. ( XXXX )
Product: Credit card or prepaid card

I had a secured card with Bank of America, which had card insurance for the event that I became XXXX or loss my employment. Both adverse events happened ; XXXX XXXX XXXX XXXX  XX/XX/XXXX, and went on short XXXX in XXXX of the same year. The card insurance wasn't initiated, and I continued to pay the credit card timely monthly for as long as I could. My credit card limit was {$2000.00}, which was secured with a BOA {$2000.00} saving account. When I became deathly ill with XXXX XX/XX/XXXX, my ability to pay changed but I struggled to continue to pay the card. XX/XX/XXXX the card closed and BOA used the {$2000.00} saving account to address the outstanding credit balance. Subsequently they have actively sought recovery efforts to collect {$200.00} in late and interest fees they state weren't satisfied with the saving account, although the account was over XXXX years old and should've had high yield interest. In addition the credit card insurance should have been applied as per my request when I became XXXX and XXXX XXXX XXXX which affecting my ability to pay and covered these extenuating circumstances. I have attempted to work with BOA for months w/o resolution despite my best attempts.
Product: Credit reporting

1 ) None of the XXXX agencies will provide my report. 
2 ) XXXX XXXX XXXX ; I have XXXX fraudulent open collection XXXX. 
3 ) Degrotry collection from the XXXX XXXX child support, there is no balance and was incorrectly reported. 

Unable to dispute due to inability to access free credit report. 
I am a XXXX for 18 years ... I decided not to utilize my credit ... so there should be little to no activity ... 
Thank you ... 
the attached screenshot shows the suggested phone number ... .which is not active. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor Common wealth financial XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX ** XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Vehicle loan or lease

Having trouble due to covid issues and company not working with me at all. Told company suspended repos, however they still call. Made XXXX arrangements for payments and was told the calls would stop, yet they havent. This is a horrible company that says they love and honor veterans, however only the ones who have no financial issues. They harass and dont care about those of us on hard times, and many will soon know.
Product: Credit card

To CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, XXXX XXXX XXXX regarding unauthorized credit accounts fraudulently opened in my name due to identity theft. Despite my efforts to dispute these accounts and request their removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), the institutions have failed to act appropriately. 

Background of the Issue : On XX/XX/XXXX, I became aware that five unauthorized credit card accounts had been fraudulently opened in my name : Three ( 3 ) accounts with XXXX ( {$6500.00} ), ( {$6200.00} ), ( XXXX ) totaling ( {$15000.00} ) One ( 1 ) account with XXXX XXXX XXXX ( {$6900.00} ) One ( 1 ) account with XXXX  XXXX opened XX/XX/XXXX ( {$6600.00} ) XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX I did not apply for these accounts, nor did I authorize anyone to do so. 
As soon as I became aware of the identity theft, I took the following actions : Filed an identity theft report with the Federal Trade Commission ( FTC ). 
Contacted the credit bureaus and requested fraud alerts and credit freezes. 
Sent written disputes to XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, along with a copy of my FTC Identity Theft Report and a request to block the fraudulent accounts as required under FCRA 605B.

Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) : Pursuant to the Fair Credit Reporting Act 605B, when a consumer provides an identity theft report, credit reporting agencies and furnishers of fraudulent account information are required to block the fraudulent information from appearing on the consumers credit report. Despite my submission of the necessary documentation : XXXX, XXXX XXXX, and XXXX XXXX failed to remove the fraudulent accounts. 
The credit bureaus have not blocked these fraudulent accounts from my credit report.
Product: Credit card or prepaid card

On XX/XX/2023 I was supposed to receive my social security check by direct deposit through PayPals prepaid Mastercard in the amount of {$1500.00} but it was never sent to my account. The U.S. Treasury, The Social Security Administration, and XXXX all confirmed that the amount had been sent out on the morning of the XXXX. Ive spoken to people in several different departments at Paypal and they have denied all responsibility, and have claimed the account doesnt exist, they could help me get it back through the direct deposit department, that nobody was available to help me, call XXXX because they cant do anything, and that my last deposit was actually this deposit when it wasnt. I have proof from the government that I am owed this money and PayPal is trying to deny that it ever existed. I really need help because this check is what I rely on to live and right now I only have {$25.00}.
Product: Mortgage

We have our mortgage loan with Seterus. In XXXX 2016 we requested to have our escrow account closed. They closed our escrow and sent us our escrow surplus but did not adjust our payment amount to reflect principal and interest only. When we paid our XXXX 2016 and XXXX 2016 payments, it was not enough to satisfy the PITI amount, and put it in a suspense account, resulting in us getting charged a late fee of {$20.00} for both months. We called Seterus and asked them to adjust our payment amount and to credit back the {$41.00} in late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Convergent Outsourcing # Unknown Account Number Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681, section 602 A of the Fair Credit Reporting Act, states I have the right to privacy.

15 U.S.C 1681, listed in Section 604 A 2 of the Act, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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

ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX 
{$690.00} Balance updated XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act 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 account without my written instructions Transunion/XXXX/XXXX  XXXX  XXXX  XXXX {$920.00} XXXX XXXX  XXXX  acct XXXX XXXX {$6500.00} XXXX  XXXX  XXXX  acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX  acct # XXXX {$260.00}
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX : {$0.00}