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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681cXXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The company is damaging my general character and reputation by reporting negative account information to XXXX XXXX, XXXX, and XXXX. The account information contains several errors and information that should be excluded from consumer reports. And I must mention that it is a violation of privacy. Therefore the reporting of the negative account information is not fair, accurate, or consistent with what the law requires. I do not agree with the information, therefore it is not valid. My family and I are suffering due to negative information being reported and have been denied access to credit several times. I am struggling to make ends meet and this negative account information continues to hold me back from utilizing the credit and banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to open a CD online and was told that my identity could not be confirmed because of a security freeze, which I have not requested. I wanted to check with XXXX, Experian, and XXXX to see if any of them had a freeze on my report. I called Experian at XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and tried to navigate their automated system to either talk to an agent or somehow answer the simple question " Do you have a security freeze on me? '' The only path toward this subject ended with the system announcing that I had just put a freeze on myself. The only identity information I had provided was my address and SSN. Navigating their site further I discovered that it would take five identifying documents and weeks to lift the freeze unless I wanted to open a paid account with Experian. In other words, they wanted to blackmail me to undo the damage that they casually inflicted on me. The original problem might have been that Experian allows anyone to put a freeze on someone's report with just a little information about that person. The asymmetrical identity requirement seems designed to increase Experian 's profits at the consumer 's expense. Exacerbating the problem is that Experian provides no means of communicating with an agent by phone, online, or email without first buying their credit reporting plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/19 I was sent a promotional offer from American Express to upgrade my XXXX XXXX XXXX card to the new XXXX XXXX   card. The offer stated I would receive XXXX bonus XXXX XXXX points if I spend {$3000.00} within 3 months. I requested the upgrade on XX/XX/19 and clicked the link in the email and entered my RSVP code and SS #. I was instantly upgraded to the XXXX XXXX card. On XX/XX/19, I chatted with Amex to confirm my enrollment in the offer and was told that the promotion had not applied to my account. I gave them my RSVP and code and proof of the email and they still continued to deny my enrollment. They claim they will conduct some sort of long, drawn out clandestine investigation that cuts into my minimum spending period but can not manually adjust my account to enroll me in this promotion. Amex is employing bait and switch tactics. 

POID : XXXX RSVP Code : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX on XXXX and XXXX, XXXX XXXX XXXXXXXX on XXXX, XXXX on XXXX and XXXX on 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.
Product: Debt collection

On XXXX XXXX, XXXX, I contacted Comenity bank concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- XXXX XXXX. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.
Product: Prepaid card

On or about XXXX XXXX, XXXX I contacted Capital One and informed them of a suspected fraudulent charge. The credit card was closed and another issued. On XXXX XXXX, XXXX the fraudulent charge was corrected by company that took money. As of this date I have been attempting to have Capital One correct, adjust the reimburse and credit my card account the amount returned by company and they will not. They say they are investigating, there is nothing to investigate since the money was returned close to two weeks ago. I am unable to use the card or obtain any form of my money. Also, they keep requiring that I provide my social security number and too many entities have the SSN 's of Americans. The SSN was supposed to be a unique identifier, with few privy to that knowledge however, with every body and their brother from XXXX XXXX to the Ice Cream man on the truck with access to this number, how can it be a secret and kept secure?
Product: Bank account or service

I am reported to XXXX by Bank of America ( BOA ) for apparent fraud. There was never any fraudulent activity on my behalf. This was reported sometime in XX/XX/XXXX, but came to my attention in XX/XX/XXXX when I went to open up new bank accounts. I paid overdraft fees I supposedly owed BOA and they allowed me to open a bank account. A few days later they closed my account due to chex systems. I then spent many many hours trying to figure out why I was unable to open up an account at any other bank. After, a lot of research I began writing both XXXX and BOA to get this removed from the system. This began on XXXX/XXXX/XXXX when I sent my first letters out to BOA and XXXX. I did not receive a letter from BOA until XXXX XXXX, XXXX dated XXXX XXXX. Based on the XXXX XXXX, Bank of America did not follow the proper time frame and procedures in the Fair Credit Reporting Act. 

Over the past 18 months I have kept a detailed history of the extra time and money that I have spent because I have been unable to open a bank normal account. With the help of some online forums, it was pointed out to me how they violted the FCRA. I was ready to go to small claims court Monday ( XXXX/XXXX/XXXX ) but was advised that you all might be one last stpo to give BOA a chance to resolve this issue without the courts. 

I have my paperwork of certified mail return receipts and the letters that were enclosed. Bank of America received all this as well and do not feel the need to submit them at this time as I was advised to wait until court to provide my paperwork.
Product: Student loan

My payments have been reversed on the following dates, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They've only accepted my payments three times on the following dates, XX/XX/XXXX XXXX XXXX 

I emailed them but received no response and their call center is impossible to navigate. It seems this is a common problem with others who use Ed-financial, where their payments are being reversed without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account number 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a balance of XXXX on my credit report, open for 1 year 8 months. This account is not mine. I have called the company and disputed through the credit bureaus. I am to date a customer of XXXX as of XX/XX/XXXX. 

The XXXX XXXX XXXX I lived at this apartment complex XX/XX/XXXX to XX/XX/XXXX. Its been on my account for 3 years and 10 months I gave a 30 day notice and moved out accordingly. I received my security deposit back. I called the complex and have disputed through the credit agencies. 

XXXX XXXX XXXX open for 5 years and 6 months. I have no idea what this is or why its on my report. I dont even know how or who to contact to dispute. 

XXXX- I have several student loans through XXXX XXXX There is a delinquency report from XX/XX/XXXX to XX/XX/XXXX. 
I have always, paid my loans or put in forbearance. The accounts have been consolidated and I was told by the representative that the accounts were in good standing. Currently Im in a loan forgiveness program for nurses. I have spoke with a representative from the company and negative reporting was resolved. 

XXXX credit- Reports a 30 a day delinquency. I called the company and explained that I was ill with Covid and tried to make arrangements. The bill has been since paid and brought current.
Product: Debt collection

On XX/XX/23 and XX/XX/23 Yesterday XX/XX/23 I received notice from the collection agency that I owe 2 debt 1 from XX/XX/23 for XXXX from XXXX XXXX XXXX and on XX/XX/23 for also XXXX and also from XXXX XXXX XXXX no action as been taken by me at this time because I don't know what these debts are for or why I even owe these debt I also don't know who they are for either because I was never at the above company during the above dates so don't know why I have been sent to collections
Product: Debt collection

When I picked up, the man calling from Caine and Weiner said that he gave me a little extra time ( to have the money I said Id have in about a month ) implying that he expected a payment today. I told him I dont have it because stuff keeps coming up and its hard to get by. He replied with well this is one of those things coming up we can do a partial payment when I told him I couldnt again, he kept insisting I pay even a small amount. He asked me when I would have the money for it and I told him I get paid on the XXXX of each month to which he replied so you got paid 5 days ago and youre all broke already all I could reply with was a quick yep then he asked what are you gon na do for the rest of the month then I said I dont know, then we sat in silence for a moment and he said thanks for your time in an annoyed sounding voice and I hung up on him.
Product: Debt collection

I have asked RS Clark and Associate to remove this from my credit report back in XX/XX/2014. I never got a respond back from RS Clark Associate. Original Balance {$53.00} and Highest {$0.00} Balance.And Status : Chapter XXXX Bankruptcy Dismissed. It's need to be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and XXXX  of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a XXXXXXXX XXXX XXXX in order to delay processing letters from a consumer. If you do not process my letters in a XXXX  manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Santander consumer USA are predatory lenders. I bought a {$12000.00} used vehicle and so far have paid {$15000.00} in interest and only {$10000.00} towards the principle. I still have another {$5500.00} to pay until the vehicle is paid off. They also have messed with my title. I originally purchased the vehicle in Florida and moved to Tennessee. Tennessee had sent them a letter asking for the title and the still have not provided Tennessee with the title.
Product: Money transfer, virtual currency, or money service

One day I wake up and I cant get into my cash app. It was a big ordeal bc you cant talk to somebody and have a real conversation. Well I had a deposit fixing to land so I reversed the deposit b no couldnt even get chat support bc the cash app had some issues come to find. Well why didnt they just say do. Next thing I know they close my account. They make me feel like some kind of criminal and I dont appreciate it. Its wrong how they do me and maybe all the call holders are getting blamed for stuff. They keep tesponding the same thing like a broken record. I dont want any bitcoins or stocks. They will allow me to do that but not send money to my daughter. Makes no sense. I would like an explanation. I told them last night to completely close all my stuff and they have my tax info from last years taxes. Im concerned.
Product: Mortgage

To Whom It May Concern, On XX/XX/XXXX I was provided a contact for a loan at 7.125 % with no points pay down, a loan origination fee of ~ {$1500.00} and a rate lock fee ~ {$500.00} which included the appraisal fee. XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, NMLS ID # XXXX provided me this contract and I signed it on XX/XX/XXXX. Offically entering into an agreement with Freedom Mortgage. 

I used this information to make decisions to sell my home, to buy another home and to pick closing dates. Also, based on the agreed upon rates and fees I made decisions not to shop this loan as it was a great deal. 

On XX/XX/XXXX, 6 days before we are supposed to close we received a closing disclosure that had a rate buy down fee of {$5400.00}, and an appraisal fee of {$250.00}. These fees were not in the original agreement. We believe this was done intentionally to force us into an unfair position essentially forcing us to choose to either agree to the extra loan cost or risk being sued by the sellers of the new home for breach of contract. Also, by not agreeing to these new extra costs we are being forced to find temporary housing while we seek a loan with lower costs. 

For resolution : We would like to continue to do business with a freedom mortgage at the original agreed upon rates and fee schedule which included no rate buy down fees and no appraisal fees. We also request Freedom Mortgage to pay any cost associated with temporary housing as a result of us needing to now shop this loan resulting in an extended closing date. We also request freedom to pay attorney fees and cost associated with lawsuits from 3rd parties that XXXX result in our inability to close on the home that we were going to purchase at XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX 2014 living with my grand farther in XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX 2014. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ 0High Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

last XX/XX/XXXX i noticed 2 credit inquires, syncb/j.c.penny XX/XX/XXXX and XXXX  XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to XXXX  to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to XXXX. XXXX told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. XXXX said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or XXXX. every time i asked them to mail me and XXXX, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. syncb/j.c.penny XXXX and XXXX  XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ohio XXXX my phone number is XXXX my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}