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

The listed inquiries were not authorized by me. I contacted each company, and none were able to verify my authorization of the inquiry. I contacted each credit reporting agency on numerous occasions, and each have failed to adequately investigate the fraudulent activity or provide legitimate proof of investigation. I have called the reporting agencies numerous times and have been met with disconnected calls and countless failures to address my request. Please remove the fraudulent activity immediately per my rights under FCRA 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This complaint is regarding Santander. I have screen shots of the numerous calls that have been made to me, at different times of the day. I could be at home sleeping on my one or two days off I may get or at work, busy with a customer, or a very time oriented task that requires my full attention. I will receive a call from them almost every day. I have had an account now where they call me over 7 days in a row, 9 to be exact. I understand I owe money to them and continue to plan on paying till I pay it back and I have been paying multiple times per month some months when I can afford it. But due to the current economic situation we all face, it's made things harder on everyone. Having a company harassing you, annoying you, taking your enjoyment of things away, stressing you out further, or interrupt you during a very crucial task at work. I do understand I am a little bit behind on it and I have obligations. But due to they keep harassing me it makes me hesitant to want to have a loan with them. It has been causing me numerous problems at work and affecting me and my abilities to do so effectively and efficiently. They stuck me with a nasty interest rate, having tried them and others to refinance the loan to a lower rate or payment. But to no avail, even with a higher credit. I will not accept them being able to break a law and not be held accountable for it, regardless of the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX RC ( Original Creditor : XXXX XXXX BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I am not liable for this debt. I have been disputing a credit card account that is reporting on all  XXXX  credit bureaus from this company before  XX/XX/XXXX . The credit bureaus has been reporting that PNC has been verifying the account belongs to me. I was told in  XX/XX/XXXX    that my file was merged with someone else when I went to apply for an apartment and was denied due to having a petty theft charge in Florida. I have never lived in Florida nor have ever been arrested. PNC also stated that they were going to send me a fraud affidavit 2 times and as of today I have never received. I have enclosed the first page of my credit report dated  XX/XX/XXXX  from   XXXX   in which they accidently sent me someone else credit report with my information merged with hers. They insisted that there is no way that they did and I stated to them what was on the other person report. They made a huge mistake in which I am still suffering. Due to our files being merged I am now receiving collection from her debts. I do n't know what else to do about this. Everyday I am afraid of more negative items that are not mines being added on my report.
Product: Debt collection

XX/XX/2021 I was having XXXX XXXX with a XXXX  related XXXX and had problem making payments due to being out of work. synchrony bank offered a reduced amount that I couldnt afford. In return I asked for a reduced amount but paid in a monthly payment plan, to which the bank agreed. They wrote off the debt, closed my account and my access to it, and collected two months of payment. Then the bank stopped collecting my payments and wanted the charge off debt paid in full, not taking account of the payments Ive made. After reporting to XXXX, their claim was that my payments did not meet their original offer to which I never had agreed to. Every time Ive asked to have emailed or mailed copies of all the documents associated to my account and agreements Ive made, the bank refused. Ive called and emailed and still received nothing. Now after couple of years, they sold the debt to a collection agency, even though my debt has been wiped off my credit report and they never contacted me after my complaint to XXXX. So now I cant get any documents from the bank and they refuse to communicate with me
Product: Checking or savings account

On XX/XX/21 US Bank in XXXX XXXX, CA charged me XXXX {$36.00} = {$72.00} Overdraft Charges on check # XXXX. On XX/XX/21 I was charged another XXXX XXXX on check # XXXX. I set up the second checking account at the advise and recommendation of a bank teller. I was guaranteed that both checking accounts were linked together to avoid future Overdraft Charges. Since I was having ongoing issues related to accessing my account on line. I was informed that a technical employee would call me to assist me. Unfortunately my multiple attempts to get assistance never revealed any positive results. I made a complaint to the a manager at the XXXX XXXX Branch, but they did not do anything to help me. When I opened up the second checking account I was told that since I was a good long standing customer the bank and that I was having internet problems, they would notify me when my account was reaching a XXXX balance.
Product: Debt collection

XX/XX/21 3 invoices sent by DCI to recover an alleged debt. DCI committed 27 Federally Protected Consumers Rights violations under 15 USC 1692
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXXXXXX credit card showing on my credit report which I never opened since XXXX. 

I am not liable for this account and want is removed expeditiously.
Product: Credit reporting or other personal consumer reports

The information on my credit report is incorrect the accounts were not authorize with my permission. 

( Equifax Credit Report XXXX XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXX ( XXXX Credit report ) XXXX XXXX XXXX {$0.00} Late payment 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXX ( XXXX Credit Report ) XXXX  XXXX {$0.00} 60 days late payments XX/XX/XXXX XXXX XXXX XXXX XXXX {$18000.00} XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX, New XX/XX/XXXX Equifax XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX  XXXX XXXX XXXX Dealers, New XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit card

Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize.
Product: Checking or savings account

I encountered the account XXXX XXXX on XXXX, where " XXXX '' sells designer bags that are difficult to get. So I sent her a message and she said a bag that I wanted was available. First she offered that I pay with credit card, so I went ahead and purchased through the " XXXX '' 's transaction service. After a while, she told me that the transaction had an issue because the amount was too big and that she has to give me a refund. The refund also took me a very long time, so I decided to call the XXXX  service and they were able to figure this out for me. After, she asked to pay through bank wire transfer. I believed her since she built her credibility through offering to pay with credit card and she offered to show her passport as well. I went through with bank transfer, then she disappeared. 

The information I have is this bank information of Wise, and that they live in XXXX ( state of XXXX ). Her email is XXXX XXXX
Product: Debt collection

Account was fraudulently opened. Police report filed and submitted with my CRA disputes. I will also be submitting FTC affidavits regarding identity theft. I have retained legal representation.
Product: Credit reporting or other personal consumer reports

The senior loan officer at Lennar Mortgage was scheduled to meet with me to discuss the specifics of my mortgage loan. However, instead of fulfilling this obligation, the senior officer submitted an inquiry to the Bureau without obtaining my authorization. Upon reviewing my credit report, I discovered that Lennar had conducted a hard inquiry without my consent.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a payment on Venmo for a device I sold, totaling exactly {$51.00}. Upon attempting to transfer this from my digital wallet to my bank account, I was informed that my account was frozen. I did not receive any email communication as to why or informing me about the account issue at all. I communicated with Venmo 's online chat system that day and was told to wait between XXXX business days before there would be an updated. 

I chatted in on XX/XX/2023 again and was told that there was nothing I could do. They claimed that they would send an email when I could obtain the balance, but they did not answer why my account was frozen in the first place. When I pointed out that I was not receiving their email communications despite the fact I had confirmed it was the correct email and I had checked all my filters, they told me there was nothing they could do. They also said that I would not be able to withdraw the funds for at least XXXX  days. They could not give me an explanation why or offer any solutions. 

This is unacceptable as something akin to a bank, holding on to money and not letting a user access money for up to 6 months. This seems like a free loan.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Verification Requirement ( 15 U.S.C. 1681i ) : The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 

XXXX. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 

XXXX. Re-Aging of Debt ( 15 U.S.C. 1681c ) : The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 1 day. 

XXXX. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Account 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. 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 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. 

Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

I am XXXX XXXX XXXX XXXX, I was on a Overseas XXXX XXXX from XXXX. On or about XX/XX/XXXX we received extended Orders on my XXXX XXXX which extended my XXXX XXXX. I had been in the process of looking for an apartment in XXXX XXXX, TX at the XXXX. I communicated with XXXX XXXX via email that I was currently XXXX and had limited access to internet and communications. On XX/XX/XXXX I notified them our printer was not working and I would not meet the deadline. According to the written correspondence if I didnt submit the documents by XXXX MST, then they would not be able to move forward with the application or hold the apartment. At that time I had not provided a deposit, so it is their policy for a courtesy hold 24 hours. I contacted them via Satellite phone that my XXXX had been extended until XXXX, but no exact date had been provided. Therefore, due to the extenuating circumstances because of my XXXX XXXX and XXXX  XXXX I didnt know when I would be coming back and would start the process when I returned from XXXX. While XXXX, I received a XXXX XXXX XXXX XXXX, for me to XXXX immediately upon my XXXX. Within 30 days of me returning from XXXX XXXX, I received my XXXX XXXX XXXX XXXX XXXX. I received Temporary Housing at XXXX XXXX due to the short window between my XXXX  XXXX and XXXX to XXXX XXXX, NC. I received Collection Calls from Hunter Warfield on behalf of XXXX, stating I owed the XXXX  money. After repeated requests, on XX/XX/XXXX I submitted my XXXX XXXX, my XXXX XXXX XXXX XXXX, and my XXXX XXXX and email traffic to Hunter Warfield and I was told that the negative remarks and collection account would be removed from my Credit History. This is still on my Credit Report, and I have contacted XXXX, and their Corporate Office about this matter. Based on the email traffic they would not be able to process the application without the paperwork. Additionally, I contacted them and told them that our XXXX XXXX was extended. I should not be charged for a deposit, when I was told it was a courtesy hold until they received the paperwork, I notified them the extension of my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX XXXX for reporting a debt to my credit report, even though I have paid the invoice in full. On XX/XX/XXXX, I received a notice from my credit report that your company has reported a delinquent debt on my account. However, I have already paid the invoice in full on XX/XX/XXXX. 

I have made several attempts to contact XXXX XXXX to rectify this error, but have not received any response. This is unacceptable and is damaging my credit score, despite having paid the debt in full and on time. 

I demand that XXXX XXXX immediately rectify this error by removing the delinquent debt from my credit report. Furthermore, I expect an apology for the damage this has caused to my credit score and the inconvenience this has caused me. 

If I do not receive a response from them or if the issue is not resolved within 30 days, I will take appropriate legal action. 

I would appreciate a prompt response to this complaint, including confirmation that the delinquent debt will be removed from my credit report.