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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$820.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 as proof from the US Federal Trade Commission that all of 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

Its been over 30 days and the creditor ( XXXX XXXX AND KIKOFF LENDING LLC ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. With the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 - XX/XX/XXXX ( Transunion ) XXXX XXXX  - XX/XX/XXXX ( Transunion ) XXXX XXXX  - XX/XX/XXXX ( Transunion ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( Transunion ) XXXX - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( Transunion ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Product: Mortgage

Last XXXX 2014 Nationstar fraudulently started foreclosing on my home in and returned my payment that has since been resolved with a modification. Now I was going to open a new account with a local credit union and my score has dropped XXXX point due to Nationstar say I have XXXX-XXXX day lates from XXXX and XXXX of 2014 which I was not late they falsely started foreclosure. This will now cost me more in interest on a car loan, insurance and credit. Nationstar should have fixed this problem when they figured out they had made the mistake. There are no XXXX or XXXX day late payment on my repot so how did I get XXXX non sequential XXXX day late payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX XXXX XXXX Account Number

: XXXX, has violated 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: Credit reporting

The collection files are third party account that are from Fraudulent account. The account was removed for fraud in XXXX of 2014. I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.
Product: Credit card

On XX/XX/XXXX and XXXX two fraud transactions occurred on my account for {$1600.00} and {$1500.00}. Towards the middle to end of XXXX I noticed the fraud transactions. I opened a dispute with the credit card company - Citi Mastercard. Citi master card investigated and determined the transaction was indeed fraud and notified me the transactions would be removed from account. This notification was received on XX/XX/XXXX. The fraud transactions have not yet be removed from my account. I have contracted Citi Master card multiple times both written and phone calls without resolution. Below is one my letters to Citi Master Card detailing the issue. 

Hello, On XX/XX/XXXX I received notification the billing dispute has been resolved and as a result the disputed charges and any related fees and interest charges have been removed. As of today XX/XX/XXXX at XXXX XXXX the disputed charges are still showing on my account along with an account balance of {$1500.00}, which includes the disbuted charges. The true account balance is {$0.00}. Please remove all transactions as stated in the letter ASAP and bring the current balance to {$0.00}. 

Disputed charges to be removed : XXXX Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX Interest Charge on Purchase {$4.00} XXXX Statement XX/XX/XXXX XXXX XXXX to Acct {$1600.00} XX/XX/XXXX Interest Chrg Reversal - {$4.00} XX/XX/XXXX Credit Adj to Acct - {$1500.00} XX/XX/XXXX Credit Adj to Acct - {$1600.00} XXXX Statement XX/XX/XXXX XXXX XXXXXXXX {$1500.00} Recent Activity XXXX Credit Adjustment to your account - {$1500.00} XX/XX/XXXX XXXX {$1500.00}
Product: Mortgage

good morning all you hard-working folks, my wife and i had the typical foreclosure due to underwater bubble burst situation back in 2010, the lien holder XXXX went bankruptand you guys ( government ) took over the mess they left, anyway, this company name GREEN TREE servicing LLC, XXXX az XXXX tel # XXXXXXXXis on us day n night for the balance of XXXX +- a few bucks ; under account # XXXX, for our former home located at XXXX fl XXXXwe wrote to them that, we are cover under the forgivness program and they wont stop, we would love your help to make them REMOVE this negative from our XXXX credit reporting agencies reports and from GREEN TREE collection dept, BY-THE-WAY, they had remove it from XXXX XXXX XXXX credit report and after XXXX got on their case for not removing from her, they put it back on XXXX XXXX XXXX XXXX reportsthanks so so XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year> I made a large payment to my loan accounts in the amount of {$2600.00}. Payment confirmation number is XXXX per automated email sent to me confirming payment from MOHELA. Payment and money was confirmed electronic withdrawal from my bank on XX/XX/year> with reference XXXX from my bank to XXXX XXXX. Conveniently, my MOHELA account transitioned to the new platform right when this happened. No payment receipt or confirmation of this large payment showed up on the new platform and I was never able to access my old account and files. I have since called several times over the past year speaking to customer reps and resolution specialists confirming such payment and adding it to my notes ( which I requested confirmation that they admit to knowing I made the payment and have not applied it to my account, never getting proof from them ). Every call has resulted in the same answer that they see the payment, will push it through to be applied, and that it can take up to 90 days each time I call and wait another 90 days. This activity is criminal and I have all the proof of payments that they refuse to apply to my account, continually accruing interest on false loan amounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from VenMo stating my account had been suspended and I had to upload a copy of my ID. 

Before I even got to do that I received an e-mail within an hour where VenMo notified me they chose to discontinue my service. 

I contacted customer support. On XX/XX/XXXX a customer service representative e-mailed me stating they found XXXX personal accounts for me. If I closed XXXX they'd unfreeze the other. 

I offered to comply but first I'd have to withdraw the funds. As {$340.00} is stuck on this account under this e-mail address and {$0.00} in crypto. I asked them to temporarily unfreeze it or transfer it manually because my account won't let me add a bank account and it won't let me transfer the balance to my debit card on file. 

Then on XX/XX/XXXX the next customer service representative completely reneged on their offer and stated : " Due to several concerns regarding your account activity, we made the decision to permanently restrict your account. 

As stated in our User Agreement, if we determine, in our sole discretion, that you XXXX have breached our terms, that you or your Account activity present risk or security concerns, we may take actions to protect Venmo and our users. 

Thank you for your understanding. 

Regards, XXXX XXXX [ account XXXX ] Venmo '' They completely ignored my request to transfer out my funds and my request to close this account after I received the funds. They also ignored my request to unfreeze my other account as they originally offered.
Product: Checking or savings account

I'm a Wells Fargo client where I have one mortgage, two checking accounts, one savings account, and one credit card. 

Unfortunately, I don't have Wells Fargo ATMs next to home or my office. About once a month, I withdraw cash from non-Wells Fargo ATM. Until last month, for any withdrawal I performed, Wells Fargo would reimburse the ATM fee. For instance, if I withdraw {$100.00} and the fee from ATM owner was {$3.00}, Wells Fargo would then reimburse that fee immediately. 

This approach, however, has changed. To my surprise, Wells Fargo not only stopped reimbursing but started charging an additional {$2.00} on top of that. So in my earlier example, a {$100.00} dollar withdrawal now cost me {$100.00} + {$3.00} of ATM fee + {$2.00} of Wells Fargo fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX  {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. 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, credit repair services, or other personal consumer reports

I do not recognize ANY of these inquiries on my credit report. 
Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

Received 3 emails on Monday, XX/XX/2019, between XXXX to XXXX PST from Synchrony Bank : 1. Action required on your application 2. A trial deposit has been successfully made 3. A trial deposit has been successfully made to your Amazon Creditbuilder. 

I never applied for any Amazon credit cards. Contacted Amazon and they told me to contact Synchrony Bank. Synchrony Bank is impossible to contact as either none of their phone numbers work or their automated system won't let you talk to a human. 

This is fraud and I want it dealt with, however, this bank appears to be less than standard since even trying to directly contact their fraud department runs me into the same issue where I can not get a number to work or they throw me off the automated line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX  Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being ( XXXX, XXXX, XXXX, XXXX, etc. ) late with apayment on this account. 

This is in line with 15USC 1681S-2b, under Responsibilities of furnishers of information to consumer reporting agencies..We insist that if no such documentation canbe provided, the late payment information must be expunged.. 

Please provide statements and records of all payments made and missed since I opened the account. In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I pulled my credit report from XXXX XXXX XXXX XXXX website. I noticed several inaccurate information reporting on my consumer report. I am aware of the FCRA state all accounts must be accurate and complete. 

Bank of America is reporting 2 accounts on my consumer report with several inaccurate information. The Date of Last Active is reporting following dates : XXXX, XXXX XXXXXX/XX/XXXX and XXXX  XXXX XXXX The Date of Last Active for the second account with Bank of America - XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX XXXX The Date of Last Active is very important because it determines when the account be removed from my consumer report. It is unfair for me to suffer for the violation that Bank of America refuses to delete the account after I sent a letter requesting for the deletion. I presented evidence for proof that the account is in violation according to FCRA. 

On XX/XX/XXXX, I mailed a certified letter XXXX XXXX XXXX XXXX XXXX. The letter was sent in reference to the inaccurate reporting of the Date of Last Active. Bank of America responded by stating the information is reporting accurate in XXXX, XXXX I received a response from Bank of America stating the information was accurate. 

XXXX, XXXX, I submitted another letter to Bank of America certified number XXXX XXXX XXXX XXXX XXXX. The letter arrived XX/XX/XXXX but I have not heard back from Bank of America as of today. As consumer I have the right to dispute any inaccurate information on my consumer report. Bank of America has ignore my request for deletion b On XXXX
Product: Debt collection

I received a notice in the mail from XXXX XXXX XXXX XXXX. Attempting to collect a debt of {$670.00} to Synchrony Bank, for my Paypal account. I have contacted Paypal and Synchrony Bank. Both agree that I do not owe any such amount for any paypal credit ( billmelater ) account because my application was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed and charged off in XXXX. There is a charge on my credit report that suggests other wise. According to XXXX, I made no payments in XXXX ( because of the charge-off ) except for a payment in XXXX and a payment in XXXX. Then the report states, no payments until XXXX of XXXX. I am very confused as how a payment could have been made on an account which was closed several years earlier. Then a negative report in XXXX of XXXX. This is a fraudulent attempt to collect an expired debt.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Indiana Laws Dear ONEMAIN, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Indiana state identity theft and fraud laws.

It has unequivocally come to my attention that ONEMAIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Indiana 's identity theft and consumer protection statutes, such as Indiana Code 24-4.9 ( Identity Theft Protection Act ), emphasize the necessity of safeguarding personal information and penalize the unauthorized use of a persons identity. Indiana law also provides for restitution and statutory damages for identity theft and unauthorized reporting that may lead to financial harm.

I assert with unwavering certainty that I have not provided consent for ONEMAIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Indiana state laws.

I demand, with the utmost certainty, that ONEMAIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Indiana state identity fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Indianas identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Indianas identity theft and fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with XXXX and was unable to continue making payments on the loan. As of XX/XX/year> the account was reported as closed with a balance of {$0.00}. Spire Recovery Solutions has been contacting me to collect this " debt '' but I have not signed or received any formal proof containing a wet signature that I owe this debt and would like it removed from my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX  Opened XX/XX/XXXX for {$210000.00} - XXXX  XXXX Opened XX/XX/XXXX for {$250.00} - XXXX  Opened XX/XX/XXXX for {$5100.00} - XXXX XXXX ( Original Creditor : XXXX XXXX  ) Opened XX/XX/XXXX for {$190.00} - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Opened XX/XX/XXXX for {$680.00} - XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX {$3200.00} - XXXX  Opened XX/XX/XXXX for XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX for XXXX