23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. 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 XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

On XX/XX/2019 I returned my leased XXXX XXXX to XXXX XXXX in XXXX, MN. I was not asked for any information such as an updated address or anything else. On XX/XX/19 I attempted to purchase a new vehicle and received notice that GM Financial had reported me 60 days late on a payment. I then called GM Financial to ask what the payment was for and was told it was a disposition fee of {$390.00}. I then proceeded to question why I have not received any notification as in mail or email or phone calls? They had my old address of 2 years ago and I did not receive any emails either. This has dropped my score considerably and I am not eligible to obtain financing on a new vehicle. I feel there was not any legit effort in contacting me as I will pay immediately anything I owe. This needs to be removed from my credit ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX 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 accounts below : XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I did not give consent to these inquiries in my credit file this is identity theft.
Product: Checking or savings account

I recently opened a chase checking and savings account and upon opening the account I was informed that another checking and savings account was opened and charged off in my name. I left the customer service at the bank no that it was fraud that I have never held a personal checking or savings account with chase bank before, just a loan account for a lease car that I have. I provided them with documentation proving my claim of identity theft and my accounts was allowed to be opened ... .. Now days later they close my account after I switched my direct deposit over and all my bills to come out of this account.
Product: Credit card or prepaid card

I signed into XXXX XXXX to check activity. There is a Hard inquiry on my report made by Synchrony Bank on XX/XX/2019, that says its about XXXX XXXX XXXX/XXXX. I have no idea what this is! I have tried calling every phone number I could find for Synchrony Bank and can not get a live person. They want account information or my social security number. I will not provide my SS number over the phone to a recording system, and obviously I do not have any account information because I am not the one that has tried to or have successfully opened any credit cards or bank accounts. After attempting to contact Synchrony Bank, I called XXXX directly and they informed me that they are unable to remove it or help without me contacting the bank directly. I informed them that I have already taken those steps. The only thing they could do was to put a lock on my credit account so no one can access or do a check without my consent.
Product: Checking or savings account

XX/XX/2024 XXXX XXXX issued to my closed checking account from XXXX XXXX XXXX. Wells Fargo will not send me the XXXX XXXX I have called several times over the course of 3 months and have been told every excuse as to why they can't send me my money.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the difficulty I have faced in obtaining assistance from Experian in addressing a serious matter of identity theft. Despite multiple attempts to resolve the issue, I have encountered significant barriers in reaching someone who can provide the support I urgently need. 

Specifically, an unauthorized individual was able to access and update my personal information in your system without my knowledge or consent. This breach has caused immense stress and has compromised the integrity of my credit file. I find it unacceptable that Experian, as a trusted credit reporting agency, allowed such unauthorized changes to occur and has made the process of addressing this situation so challenging. 

I have made several attempts to contact your support team, only to be met with automated systems and an inability to reach a representative who can adequately address my concerns. This lack of responsiveness is not only disappointing but also exacerbates the impact of this identity theft. 

As a consumer, I trusted Experian to safeguard my sensitive information. The failure to do so, coupled with the lack of support in resolving this issue, is deeply troubling.
Product: Credit reporting or other personal consumer reports

Sent in disputes to verify accounts and no specific information given to state accuracy. 
I would like the accounts removed.
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 
XXXX Account Number : XXXX Please remove this form my Credit report 2. Mistaken Identity /does not belong to me XXXX XXXX  Account Number : XXXX Please remove this form my Credit report 3. Mistaken Identity /does not belong to me XXXX XXXX XXXX Account Number : XXXX Please remove this form my Credit report 4. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to authorized this inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to authorized this inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11.The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 12 XXXX The following personal information is incorrect Account Number : XXXX : XXXX XXXX 13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Accounts Request for Investigation and Removal Dear Experian, I am writing to dispute the following accounts listed on my credit report, which are inaccurate or unverifiable : Accounts in Dispute XXXX  ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) TBOM/ASPIRE ( Account # : XXXX ) XXXX XXXX  XXXX ( Account # : XXXX ) According to 15 U.S. Code 1635, I have the right to dispute credit obligations when inaccuracies exist. Moreover, under 15 U.S. Code 1692g, debts must be validated upon dispute. These accounts remain unsubstantiated, and I request their immediate removal from my credit report. 

Please conduct a detailed investigation into these accounts and remove them if they can not be verified. 

Supporting Documents I have attached the following documents for your reference : A copy of my identification Proof of current address As mandated by the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. 

Thank you for your prompt attention to this matter. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX XXXX  - XXXX XXXX Account Number : XXXX Account Name : XXXX  - XXXX  Account Number : XXXX Account Name : XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX  XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report that I cant explain. I reviewed my credit report as I normally do, but there were unexpected discrepancies. I refreshed my browser, thinking it might be a glitch, but the inquiries stayed. Im extremely frustrated and urgently request that the documents Ive submitted be reviewed carefully so this issue is permanently resolved.
Product: Debt collection

Received an email on XX/XX/2020 regarding a debt. I sent a response on XX/XX/2020 requesting information about the debt, disputing the debt, and also telling this debt collector not to contact me via email, and to only contact me via usps. Received more emails on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. They have never sent me any of the information I requested in my dispute letter to them and they have continued to ignore my cease and desist request of emailing me. If this collection agency does not cease collection of this debt, I am prepared to pursue other avenues for the repeated email harassment and blatant violation of my written request to only contact me via usps.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I deposited a check in the amount of {$66.00} into my account. The funds are being held until the XXXX of XX/XX/XXXX. When I asked on XX/XX/XXXX that funds be verified and release, I was told SoFi was unable to do that, but that the check had been processed so funds would be released on the 20th. I requested to speak with an account manager who said the same thing. They were unable to explain why they could not call and verify other than back end handles that, and they are not customer facing. There was absolutely zero other reasoning.
Product: Credit card or prepaid card

Hi I just requested a new card number because my wallet was missing and the police dept found my wallet the next day and received my credit card 2-3 days via XXXX and I cant use my credit card at all and it was declined for small amount at a restaurant and now I have to request documents for a phone number verification and my card is blocked and I called Nordstrom and try add my card for XXXX  XXXX   but they took too long and I hang up the call so I can talk to my girlfriend I havent been seeing her for a few months ... I dont like to be on hold for over 5 mins and I got things to do.. and I cant use my card ... the phone number that was on my account for years ... And Nordstrom has wasted my gas money to come to a location and verified my  identity this is XXXX and I have things to do!!!!!
Product: Debt collection

LVNV Funding XXXX XXXX  XXXX XXXX, SC XXXX XXXX Problem with LVNV Funding for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 

1 ) LVNV funding # XXXX {$550.00} I have not done any business with these companies. 

Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Product: Debt or credit management

THIS COMPANY IS EXTORTING FUNDS FROM ME STATING THAT I OWE THEM SOMETHING, I WANT THEM TO PROVE TO ME THAT I OWE THE DEBT. THEY CAN NOT VALIDATE THE DEBT. THEY HAVE USED A FICTITIOUS NAME. 18USC 8 CODES STATES WHO OWE ALL DEBT OBLIGATION OR OTHER SECURITY OF THE UNITED STATES. I WANT THEM DO VALIDATE ALL CLAIMS WITHIN 14 DAYS AND REPAY ALL FUNDS BACK FROM THEIR FRUAD.
Product: Mortgage

In XX/XX/XXXX, my wife went through a XXXX  procedure on her XXXX. Due to medical treatment she was put on short term XXXX until XX/XX/XXXX. Since XX/XX/XXXX we started to fall behind on our mortgage payments. On XX/XX/XXXX my wife and I sat down with a housing recovery specialist from XXXX  ( XXXX  XXXX XXXX ) to try and alleviate the issue and look for options to get caught up with our house payments. On XX/XX/XXXX, a loan modification application was submitted to Shellpoint mortgage servicing, after continued emails and phone calls to try to communicate with the appointed point of contact from Shellpoint to verify they had received all the required paperwork, the application was denied due to verbiage on the packet. After finding out what the mistake was on the first application we submitted a second loan modification on XX/XX/XXXX, again being denied due to " debt to income ratio '' ( DTI ) being out of range ( too much debt ), they failed to account for my wife 's income even after they were provided with several months worth of pay stubs. Once again we are going through the process of applying for a change of circumstances as of this moment. This whole process would have been a lot easier if it wasn't for the lack of communication and due diligence on Shellpoint 's behalf. The following are issues we were presented with during the process : Excessive / duplication of documentation requirements in assistance process you had to submit the same documents over and over again Lack of proper / due diligence review of documents ( pay stubs ) submitted the pay stubs you have submitted have not been reviewed and filed/recorded correctly Lack of contact /communication throughout the assistance process the POCs do not respond to emails or call back regardless of numerous attempts to communicate with them. 
Due to the issues listed before, we are now 8 months behind in our payments, and without a clear resolution to this problem in sight. As I write this, we are submitting my wife 's paystubs for the third time in hopes everything is done correctly this go around. We are acting in good faith and want to keep the property but it seems that Shellpoint is more interested in foreclosing. Due to the nature of my loan ( VA Loan ), I have my VA representative looking into this case.
Product: Vehicle loan or lease

My previous car was refinanced by XXXX XXXX XXXX and decided to trade-in vehicle on XX/XX/XXXX, after the deal was all set with my new vehicle that I bought with XXXX I decided to to cancel GAP insurance on that previous vehicle with XXXX XXXXy I made calls and they transferred me to a third party company that provided that GAP insurance and they were unable to cancel or refund that GAP amount {$690.00} that was left on that contract, they stated that after XXXX days I qualify for a refund, this third party company name is THE SAVINGS GROUP , this cancellation request was made on XX/XX/XXXX so this is clearly way less than XXXX business days.
Product: Credit reporting

Experian is reporting XXXX credit inquiries on my credit report that i didnt authorized. 
XXXX/17 XXXX XXXX/17 XXXX XXXX /17 XXXX
Product: Credit card or prepaid card

I have been paying faithfully on my account without any problems. Company chose to close my account anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed numerous ftc reports for fraudulant account and addresses on my credit report and nobody will help me get this removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IN is reporting on my consumer reports at Experian, XXXX and XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
Product: Credit reporting or other personal consumer reports

Dear Experian Headquarters, I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX XXXXXX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of XXXX} per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of XXXX XXXX XXXX  per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this XXXX by mailing a XXXX XXXX XXXX 

This matter is of extreme urgency. Experian has a period of XXXX business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the XXXX  as demanded.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, This is XXXX XXXX . I want to bring the attention that I was cheated by Costco. I purchased XXXX tires of XXXX company for XXXX XXXX XXXX XXXX on XX/XX/XXXX, from Costco located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with a warranty of XXXX miles. But the threads of all tires have gone only after XXXX drive. I had been to Costco a week back for tire rotation. They never told me anything was wrong with the tires. Air Pressure sensor was also going on and off. Costco told me they have repaired the tires, and it should not happen again. But the very next day sensors were on again. I showed it to XXXX more tire center they advised to get the tire change as the threads were worn off. I got it does from Costco and it was replaced with XXXX company tires. I asked them to refund or do something as the car had just covered around XXXX, but they refused and asked me to contact XXXX. I did contact the tire company. Now, they told me to contact Costco. Where will the customer go if both retailers are blaming each other. I ran in so much of loss. I am looking for refund. I am attaching the warranty and Costco tires bills. 
Kindly help me resolve it to get the refund based on the warranty. Thanks in advance for your kind support and cooperation. 

With best regards XXXX XXXX, Email : XXXX, Phone : XXXX