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

My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ XXXX and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
Product: Student loan

Since navient recently became one of my 3 loan providers they have tripled my monthly payment with no forewarning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit! 
Please remove them from my Transunion Credit Report! I have no knowledge of these inquiries and no account attached to them! Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when i have contacted the creditors and the creditors have no account? Furthermore, the have no knowledge with me doing any business with them. I have supporting documents as proof that these creditors have requested deletion of these inquires.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Account # XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the 3 major Credit Bureaus ( XXXX, Experian, XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered XXXX  and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt
Product: Credit reporting or other personal consumer reports

Seeing unauthorized inquiries on my credit report this morning was shocking. After confirming it wasnt a browser glitch, I demand a thorough review of my documents to correct this issue as soon as possible.
Product: Debt collection

A false contract was created/ opened in my name without my consent during a time when I was a victim of Identity theft. 

Multiple accounts were opened in my name and went into default and collection using my identity during a time when I was a victim of identity theft.
Product: Debt collection

I recently discovered that this company was reporting two collection accounts on my credit reports that do not belong to me. When I disputed the accounts through the credit bureaus they came back " verified ''. I then sent this company letters and they simply responded by saying that I owed nothing on the two accounts. They obviously did not read my letters! I have attached the letters I sent to them and their response to both.
Product: Debt collection

Through PayPal, PayPal credit issued me a pre-approved account for {$2500.00}. You don't receive a card you can only use it as a credit towards their inside accept it institutions. I attempted to use the credit at XXXX XXXX XXXX. It was declined I spoke to the virtual chat and they said the card the {$2500.00} was not approved then I received a {$15.00} insurance/latefee charge. Why am I being charged for something that was never officially approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX Equifax Mortgage see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX Capital XXXX XX/XX/2021 XXXX have written Equifax, XXXX, and XXXX numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00}
Product: Credit card or prepaid card

XX/XX/XXXX - I referred my girlfriend to a credit card : American Express XXXX XXXX XXXX. I was told that I would receive {$75.00} if she was approved for the card. She applied and was told that she would need to verify some information. 

Several weeks later she was approved and received her card. I was told through the American Express terms of service that it would take 8-12 weeks for the bonus to post to my account. 

I waited until XXXX for my bonus. It never posted. So I contacted American Express on XX/XX/XXXX. They told me that there was no record of me referring anyone. I opened an investigation with them. They asked for my girlfriend 's birthday and her name which I provided. I was told to wait one week. 

I waited one week and contacted them again through phone and chat. I was told to wait 2-3 weeks. I have contacted them 4x more times through phone and chat about this bonus. Each time I am told to wait 2-3 more weeks for them to finish the investigation. Additionally, I am told that they have " expedited '' this investigation.

It has been four weeks since I last contacted them. I have gotten no email updates on the status of this investigation. And I know if I contact them again they will take me to wait 2-3 more weeks. This investigation was opened on XX/XX/XXXX. They state that it takes no more than 8 weeks for an investigation to end. It is now XX/XX/XXXX. I have received no bonus and no information on whether or not it will even post.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX EMPLOYER : XXXX XXXX EMPLOYER : XXXX  EMPLOYER : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a wire transfer of {$27000.00} at a local Wells Fargo branch which I found out is a fraud after XXXX hours. I came to a local branch immediately, report the fraud and initiate a recall. The banker told me she just approved the wire transfer within an hour and helped me frozen the funds immediately. The fraud case number is XXXX and the escalate complaint ID is XXXX. Since the receiving account is also a Wells Fargo account, I was supposed to recall it successfully. But it turns out that I was told XXXX month later that the wire transfer is already completed and the recall needs the permission of the recipient. Wells Fargo didn't take its responsibility to help me frozen the receiving account before the wire transfer is complete and should be able to recall the funds back before the recipient withdraw or transfer the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS AN UPDATE!!! The following accounts are still reporting after multiple disputes. 
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 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 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have been a customer of Synchrony Bank since my first Belk card in XXXX. Since then, I have maintained several Synchrony Bank cards ( Amazon, PayPal, Lowe 's, Belk, TJMaxx, Dick 's Sporting Goods, JC Penney, Old Navy, XXXX XXXX, Sams & XXXX XXXX XXXX ( XXXX ) with payments always over the minimum requirement with sometimes two payments per month. I went to make a small purchase at XXXX on Saturday, XX/XX/XXXX & was surprisingly declined & found out from the store clerk that the account had been closed. We also were making a small purchase at Lowe 's & was also declined. Lowe 's looked up my account on another  register & discovered the account had been closed. After I became concerned, I called Synchrony/XXXX first & they told me the account had been closed on XX/XX/XXXX. I received two letters today -- one regarding my JC Penney account ( attached ) & a letter ( attached ) regarding my Synchrony / Conn 's account ( with a {$7000.00} limit ) which has been paid off since XXXX. Synchrony / Conn 's stated that they closed my account due to non-use. Not only has this caused a severe inconvenience, but it has also seriously impacted by credit score. This past XX/XX/XXXX, we made large payments to some of these accounts to ensure the balances were lowered. I have worked very hard to establish my credit & feel my credit on these accounts should be reinstated. These cards have not been abused in any way, some with little or XXXX balance.
Product: Debt collection

XXXX XXXX, 2021 ( 1 yr, 2 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Collection account Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} Closed No Info
Product: Credit card or prepaid card

On XX/XX/2023 at about XXXX, I attempted to create an online account for my XXXX XXXX gas card . I entered all of the required information then pushed submit. The next screen showed that my information could not be processed and to call a number. The number was XXXX. I spoke to XXXX, who could not help me with opening the account. Next, I spoke to XXXX, a supervisor, who said my commercial account has to be paid by mail. Then I talked to XXXX, an account manager, who said XXXX was mistaken because he had given her incorrect information to tell me. XXXX tried to call the IT department for me, but the office was closed ( they are on the XXXX XXXX he said ). I called back and spoke to XXXX ( who told me she lives and works in XXXX ). She also could not help me login to my account. 

I don't understand why a company makes it so difficult to make an online account with them ( I've had similar trouble with my XXXX 's XXXX credit cards and another gas card ( XXXX ) ).
Product: Vehicle loan or lease

Between XXXX XXXX  i waited and ended up speaking to an associate at Suncoast Credit Union at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, the Service Center Manager helped me from her office. I asked her to provide me with the current documents for the loan, and she said that she can only provide me with the documents from the day of the loan from XXXX XXXX. I told her that I have to pay the money to them and I want a breakdown of how I owe the money. She printed me out all of the documents that XXXX XXXX provided them exactly 60 days ago ; but she said that any current documentation, and a breakdown thereof will only be provided by XXXX XXXX. The dealer has refused to provide a breakdown and they want me to trust them on the honor system. I want the documents and the breakdown of my loan for my red 2024 XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased XXXX XXXX XXXX from KIA. THE LEASE was a 3-year lease. Date of the lease was XXXX OF XXXX. I made All of my payments on time. At the end of the lease, I was considering turning in the lease in XX/XX/XXXX. I spoke with KIA MOTOR FINANCE and they told me that I could keep the vehicle until XXXX of XXXX. I elected to turn in the vehicle in XXXX of XXXX. I received a letter from KIA MOTOR FINANCE THAT I OWED {$1600.00}. WE converse about the amount and could not reach an agreement. I contacted my attorney and we wrote a detailed letter about the money they claim owed. NO RESPOND IN WRITING FROM KIA ABOUT ANY MONEY OWED. I checked my XXXX credit report and found inaccurate and derogatory marks on my credit report. I sent XXXX a letter concerning my credit report. XXXX sent me a copy my credit report showing I was late in XX/XX/XXXX and XX/XX/XXXX. XXXX show the letters CO. THOSE LETTERS MEAN CHARGE OFF. FROM XX/XX/XXXX TO XX/XX/XXXX SHOWS THESE LETTERS ON MY XXXX CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my mortgage and XXXX XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with XXXX   as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and XXXX both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough
Product: Credit reporting

Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XX/XX/XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please Have the following accounts inquiries removed from my credit file at once because i did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent accounts : DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX. Fraudulent Inquiries : XXXX Inquiry date : XX/XX/XXXX. Also be advised the Fair Credit Reporting Act states that any information that is kept on an individual 's credit report must be correct. this includes unauthorized inquiries. if your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is the evidence of your receipt of said request. I have sent this letter because I need your Prompt response to this issue and i need written correspondence as evidence your company is acting upon my request. 

Sincerely, XXXX XXXX