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

I understand in your letter that you said a loan application was " submitted '' to you. However, in my initial letter, I asked for a written signature " If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, remove the inquiry from the three main credit reporting agencies. '' Not providing the written signature is against the Equal Credit Opportunity Act [ 15 USC 6803 ( a ) ]. I didn't give permission for no financial institution [ 15 USC 6809 ( 3 ) ( a ) ] to contact you with my nonpublic personal information [ 15 USC 6809 ( 4 ) ] .I informed you of your wrongdoings and still tried to go against the law.

You have seven ( 7 ) days to provide me the written authorization or an invoice will be sent with all of the violations you have done. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Southwest Credit Sys I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : XXXX Reason : [ Fraudulent account ] I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. I spoke with a service rep for this company and she couldn't locate an account with my name in response to the debt posted on my credit report. Please remove immediately. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Tx XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-Total debt enrolled : {$10000.00}. 
-Total settlement amount : {$5900.00} -Total amount deposited into Dedicated account so far : {$9000.00} -Total amount still due in deposits : {$3900.00} We ( my husband and I ) hired FDR because they claimed that from our $ XXXX debt, they would be able to negotiate a settlement of 40-60 % for a small fee ( which they did do ). 

However, if you look at the above totals, youll quickly notice that their small fees will end up being MORE ( {$7000.00} ) than the amount settled. 

This company is completely dishonest and are taking advantage of people who are in a tight position. We would have never hired them if they had clearly told us that we would end up paying them the amount referenced above. 

To make matters worse, theres barely any money left in our dedicated account ( which had almost twice the amount we settled for ) and theyre claiming we still owe them deposits for the next two years. 

Can someone please help? I feel hopeless. How could this be legal?
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$33000.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX
Product: Credit card

I paid off my balance over the phone as I thought I had already paid it. I pay my bills in the entirety usually before I get the bill. I received a notice to pay and called because i was confused I had already paid it. It was 2 days after due date and the person said they would give me a 1 time courtesy for the late fee. I guess it never happened and received an alert through text 2 weeks ago that I owe {$140.00}. It is late fees upon late fees for the promised 1 time courtesy back in XXXX. They said they do not have the transcript of the phone call. And strange I only received notice now. 
My balance should be {$0.00}. It is some scam the company is using
Product: Debt collection

I am getting frequent calls from multiple numbers on my cell phone from Portfolio Recovery Associates. I have NO unpaid debts, I have never received any mail or email from this company regarding any outstanding debt. I have blocked multiple numbers and they just call using a different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX, I have sent Experian disputes via mail regarding erroneous accounts on my credit report. In my letters sent to Experian, I have asked for the method of verification AND all documents in my consumer file, more specifically an original contract with my signature on it. Experian has not ONCE provided any documents nor has it provided me it's method of verification. I have sent Experian copies of letters that I have sent to XXXX asking them to validate and prove the debt is mine to which the XXXX did not. Experian continues to report false information in my consumer file. It has been extremely difficult dealing with Experian. The company completely ignored all requests in my dispute letters when I requested an original contract with my signature on it and the method of verification. I even ask who specifically it spoke with that allegedly " verified '' these items. Also, Experian never mails me back a response. The company continues to send me results of it's investigation via email when I requested all correspondence be sent to me via letter mail. Experian is not conducting a reasonable investigation. It is instead relying on its E-OSCAR system and believes whatever an alleged creditor says. It's as if in Experian 's eyes, the creditor is always right and can not make mistakes. If Experian actually performed its own investigation instead of relying on automation, it would clearly see that those accounts do not belong to me. Experian does not care about the consumer at all and profits from credit inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that need to be removed. fraud never authorize. Please delete at once. 

XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX # 1 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX # 18 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Bank ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was incarcerated from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/ 2022 and XXXX XXXX XX/XX/ 2022. Please delete these inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX  the truck I purchased thru XXXX XXXX  stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there XXXX XXXX  sent a warranty rep. An he approved repairs. 3 or 4 days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! XXXX  XXXX  called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither XXXX XXXX not I have possession of said truck... it got sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX  but on time XXXX  and XXXX. Then in XXXX late with XXXX  and XXXX   and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my report
Product: Mortgage

I refinanced my mortgage and paid it off in full on XX/XX/2018. Rushmore Loan Management is the servicer, and did not apply the payoff until XX/XX/2018, which is also the day they collected an additional biweekly payment on my loan of {$1500.00} Post final payoff value in XX/XX/XXXX, Rushmore collected another biweekly payment in XX/XX/XXXX for {$1500.00}. That makes two {$1500.00} payments + the extra amount they quoted to the Title company to " ensure the amount is fully paid '' which together all three of these is now {$4900.00}. 

I called them on XX/XX/XXXX or so to find out when I can expect to receive my {$4900.00} refund and was told that their company " policy '' is to wait a full 20 business days, or rather ONE FULL MONTH to begin processing my refund. I can not believe that is legal to just sit on my {$5000.00} for a month before doing anything after they already acknowledge that the mortgage is fully paid and they have my money sitting in a suspense account and they placed the overpayment into an Escrow account. The sum of the two is the {$4900.00}. 

XXXX XXXX XXXX XXXX
Product: Credit card

I have no idea how this showed up on my credit report because I have only authorized Wells Fargo to do a hard inquiry on my credit when I was applying for an Auto Loan.
Product: Credit reporting

I am XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX. My phone number is ( XXXX ) XXXX. My E-mail address is XXXXXXXXXXXX. I am in an identity case of the Court of Appeals of my State of the court case number XXXX. I have also filed a FTC ID theft affidavit serial numbered XXXX, and filed a I.R.S. form XXXX .I think people have taken loans out in my name that cost me money.
Product: Consumer Loan

I am XXXX and on social security XXXX and trying to correct errors on my credit reports. In XXXX 2011 my son passed away in a very tragic circumstance, Afterwards I lost my employment due to military XXXX, I was forced to voluntarily reposses my recreational vehicle, Wells Fargo Dealer Services accepted vehicle and the repo agent stated under law I would be notified of any sale time and place. I was never notified of the sale of the vehicle, I also believe Wells Fargo violated the law as the sale of the vehicle was not commercially reasonable, therefore any deficiency is illegal, Wells Fargo needs to remove this account from all my credit reports immediately as they have violated repossession state law and The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit reports from XXXX   and Equifax and after reviewing my reports I found a number of items on the report that are inaccurate. The account in question is XXXX and please see the information provided from employee XXXX XXXX ( Customer Service Manager ). 

Today on XX/XX/XXXX I spoke with XXXX to discuss my reporting and she advised that the account was closed XX/XX/XXXX. On my Transunion report the date reported is XX/XX/XXXX. In addition, the first date of delinquency was XX/XX/XXXX however, in the payment history for XX/XX/XXXX the account is listed as OK. However, in my Equifax file, the date of first delinquency is listed as XX/XX/XXXX. Cleary, there is no merit amongst the reportings and you are in clear violation of the FCRA. 

Please send me copies of the documents that you have in your files as of this date that you used to verify ( not validate ) the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified but send me copies of the documents that you have in your files that were used to verify the reportings for XXXX If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 or other personal consumer reports

I haven't received no update, documentation on the disputes that where submitted. it's been almost 2 months. all I'm receiving is there unable to process my request I want to know WHY? this is illegal
Product: Credit card or prepaid card

Someone has made charges on my JCPenney Store Credit Card. I received an email on XXXX from Synchrony Bank the bank who extends credit for JCPenney stating I have a communication from JCPenney Credit Card. I havent used the card in at least 12 months so I knew something was wrong. I followed the link and tried to log in to my account and I was unable to do so. I called the number in the error message. It was the JC Penny Credit Fraud Department. I was completely worried at this point. I explained to them that the charges werent mine. The phone call was really choppy the entire time we were on the phone even though we were both on land lines. This concerned me but I asked a lot of questions because credit is everything in our society. Last Night XXXX I received an email with my statement balance. It stated I owed XXXX with a XXXX minimum balance with the due date of XXXX My concern when I talked to the representative I was told the charges would be reversed on the online order that was over XXXX dollars. I really just want to close the account after the two conversations I had with the fraud department, they are extremely rude and unhelpful, but I dont want to pay any charges for something I havent purchased. Again I havent use the card in at least 12 months. I dont shop at JCPenney I literally opened the account at the register when I purchased some work out clothing while in XXXX XXXX. I may have also purchase some XXXX XXXX XXXX XXXX a year ago but thats all. I can verify the dates of the above purchases because I cant log in to my account. I asked for a statement and I cant seem to get any answers. I asked if this may just be a mix up since a payment was made on the account in the amount of XXXX on XXXX XXXX. I heard that in my account summary when I initially called. The Fraud Departments manager refuses to help me she stated she closed the account but I would be required to pay the remaining fraudulent charges. I think this is unfair when they know I didnt make the charges, theyve credited my account for most of the charges except XXXX but they want me to pay the fraudulent charges by XXXXXXXX which is unfair because I didnt make any of the purchases. Please help me resolve the remaining balance on the fraudulent purchases and to close the account. I have attached the email I received and a copy of my drivers license to prove my identity.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010, XX/XX/2010 Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit card

Issue : Collateral XXXX $ not released as promised on a recorded line : Background : I applied for a Wells Fargo secured card in XX/XX/XXXX and the card did n't come through for a month. During the XXXX month period I called XXXX times to check on the card and each time I was advised the card was sent, I always asked for the balance since I did n't receive the card and was told there was no balance. Then XXXX fine day I received the card and a statement followed after couple of days which had a fee and interest charged. 
I called up customer service to find about the charge and close the card ( which was never activated ), I was ok to pay off the charges but annoyed since no one told me about it even I asked every time when I called every time to find out the where about of my card. 
Finally I closed my card on in the week of XX/XX/XXXX and was told my collateral would be released in XXXX days, since I was n't happy about it and asked to speak to a manager, manager then transferred the call to customer service team and the gentleman on the phone waived the charges and promised collateral will be released and should be in my account latest by XX/XX/XXXX. 
Since XXXX $ were n't transferred back to my account as promised, I called back the customer service # on XX/XX/XXXX and was told it collateral will take XXXX days. I even spoke to a XXXX and she said she could n't help as repeated the same script. I even asked to be transferred to the person I spoke to but was told they ca n't see names hence ca n't tell me the name of the person. 
This is unacceptable since I was never activated the card and closed it because of inefficiencies at Wells Fargo 's end. 
Prior to this I also had issues with my checking account. Wells Fargo is the worst bank to bank with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The payment history on this account XXXX XXXX XXXX XXXX is completely inaccurate/incomplete. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Debt collection

I check my creditor score and XXXX of XXXX was on it,
Product: Debt collection

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted TransUnion informing them that these debts are a result of identity theft. All the information I have on this company was provided by the aforementioned credit reporting agency. They should not be allowed to put this fraudulent information on my credit report. Its not the original creditor. This is a collection agency thats not even in the same state as the original creditor. This is a collection agency thats not even in the same state as me. The original creditor isnt even in the same state as me. I do believe that the actions taken by TransUnion are racially motivated.