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

I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 
The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Hard Inquiries 15 US Code 1602P
Product: Debt collection

I am a XXXX year old woman and in XXXX XXXX 2016 I notified XXXX that I wanted to cancel my XXXX XXXX and internet because I could no loner afford it. I was through with the two year contract. I had paid my XX/XX/XXXX bill and I knew that cable companies always billed one ahead. When I contacted them by phone I was transferred three times and finally a young lady kept trying to see if the bill could be lowered and I kept saying I want to cancel.I know they receive a commission when they stop people from canceling.The young lady did not inform me and where I should send the equipment and I looked up on the internet and found that I could take it to XXXX and they would send the equipment back to XXXX. A friend of mine took the equipment to XXXX for me and I do have the receipts. I have received letters from XXXX that they may disconnect my service. The bill at that time stated I owed $XXXX, now they state I owe $XXXX. I have asked for an itemized statement and informed them I contacted them at the XXXX XXXX XXXX 2016 and canceledmy services.They have now turned the account over to two different collection agencies.I do not have that type of money and wish I remembered the young lady I talked with to cancel my account. I know other people have had the same difficulty with XXXX.Thank you for any assistance or resolution to this problem. I also know if I had the money to pay this amount that XXXX does not remove it off the your credit.
Product: Vehicle loan or lease

In this situation, the signature on the auto contract doesn't match mine, suggesting it might be a forgery. This brings into question the legitimacy of the account tied to this contract, as there isn't a valid contract with my authentic signature. A contract is void if it has a forged signature since it's missing the necessary consent from the parties involved. Therefore, I assert that I no longer own this account because there's no valid contract with my signature. This issue raises serious concerns under Georgia 's forgery laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so I've been monitoring my credit for 60 days now. On XX/XX/XXXX I had XXXX XXXX collections account on my credit. XXXX XXXX XXXX AND XXXX XXXX XXXX MY CREDIT SCORE WAS A XXXX. IVE BEEN DISPUTING THESE ACCOUNTS FOR THE LAST 60 DAYS. FINALLY BOTH ITEMS WERE REMOVED ON XXXX XXXX. MY CREDIT SCORE WENT TO XXXX. THAT IS WHERE MY CREDIT SCORE IS NORMALLY AT. XX/XX/2022 EXPERIAN PUT XXXX XXXX XXXX XXXX BACK ON MY CREDIT REPORT. ONCE THE REMOVE THE ACCOUNT OFF OF YOUR CREDIT THEY CAN NOT LEGALLY PUT THAT ACCOUNT BACK ON YOUR CREDIT REPORT BY THE SAME CREDITOR. WHAT KIND OF GAMES IS THIS CREDIT REPORTING AGENCY DOING TO ME AND MY CREDIT. I PAY ALL MY BILLS ON TIME. I AM READY TO GET AN ATTORNEY AND SUE THIS AGENCY. I AM PROVIDING PROOF FROM MY ONLINE ACCOUNT TO SHOW YOU.
Product: Debt collection

I hope this letter finds you in good health. I am writing to bring to your attention an issue regarding my credit report. Upon reviewing my credit history, I have identified an entry that appears to be inaccurate and is affecting my credit score adversely. I am writing to request the correction or removal of the late payment entry associated with my account. 

Below are the details of the late payment entry : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

Upon careful examination of my financial records, I believe there has been an error or misunderstanding regarding this late payment entry. I am confident that the payment in question was made on time, and I would like to request an investigation to rectify this discrepancy promptly. 

Maintaining an accurate credit history is crucial to my financial well-being, and I am committed to resolving any discrepancies promptly. I kindly request your assistance in investigating and correcting this matter as soon as possible. Once the investigation is complete, I would appreciate it if you could provide me with written confirmation of the actions taken to rectify the late payment entry on my credit report. Additionally, if there are any further steps I need to take, please advise me accordingly.
Product: Debt collection

Capital One gave me a settlement offer in the amount of XXXX that was paid on XXXX/XXXX/22. This account is reporting negatively from all 3 bureaus. I want this removed from all 3 credit bureaus. XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I have had this investigation on my car from state XXXX XXXX fourge my signature and stole my XXXX dollar XXXX XXXX XXXX  my financial charge is charge on sticker so were my brand new car went the internet says states department supose to help with clear dispute i purchase car in maine i paid maine sales tax but lady who investigation said i should take up with new Hampshire i was living in maine at time purchase and paid maine tax why would take up with new Hampshire can anyone help me there i would XXXX license bureau was made for this stuff so why don't they help my trade in was XXXX dollar trade XXXX XXXX XXXX XXXXXXXX this has been 2 years now i still like something fix but very doubtful it will be fix on top of that while XXXX XXXX XXXX i got speeding tickets suspended my license had maine probation office who knew i was in jail out state time XXXX XXXX who did nothing to help me correct incorrect info maine is targeting me i dont understand why this man clearly did some illegal stuff with my sales contract because clearly i buy car for XXXX on a XXXX trade how i owe the price car XXXX on car sticker vehicle says XXXX please help XXXX or send me someone who can help
Product: Credit reporting or other personal consumer reports

in accordance of Fair Credit Reporting act XXXX XXXX XXXX  # XXXX is in violation of 15 U.S.C. 1681
Product: Credit card or prepaid card

I keep getting declined for the Apple Card for the same reason every single time I apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!
Product: Debt collection

I have received multiple calls to the office of my new employer about a debt no one will provide information to be about. This is very strange because I am a new employee of my company ( 3 months ) and am not publicly listed on a home site or staff directory. I also do not use my work line for online purchases or other transactions where my information could be passed along to third parties. I have no idea how they found my office line, and when I spoke to them once on the phone they refused to tell me where the information came from. 

Additionally, I have no account or outstanding debt with XXXX XXXX XXXX, the company they claim to represent. I have logged onto their system and it shows I have no account with them. None of my " Account information '' has my current work number listed as a way to contact me, which is another reason it is strange to receive multiple calls to my work line. In their online comment section, and employee told me that nothing was showing because they had passed my debt to a collection agency -- but refused to provide me with information on what the debt is, where it came from and for how much. 

I am not sure if this is a bad debt collection practice, or they are fishing for more of my personal infomration. At this point, I have no idea what I owe, or from where, or from whom -- and yet they are calling my office multiple times a week. This is a huge embarrassment as I am a new employee and the calls go directly to the front office staff, who now think I am a financial delinquent. 

I have sent letters directly to XXXX XXXX XXXX asking them to stop calls as directed in the FDCPA. They have not responded. I have also sent a copy of that letter to their email address and faxed a copy. The calls have not stopped, and I have no idea what the alleged debt is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. XXXX have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX
Product: Debt collection

Seventh Avenue company from XXXX WI claims I owe their company XXXX this debt appears on my credit report. I have contacted the company by phone, email and letters but to no avail. They asked I complete a FTC identity theft form but my identy was not stolen. I am asking that this debt be removed from my credit reports as it is not mine. I sent a letter months ago that they have not responded to.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Credit card or prepaid card

One word describes this bank best : INCOMPETENCE. Let the facts below -- describing Synchrony 's misconduct in-detail -- establish the case : I have stellar credit. Earlier this year, I allowed Synchrony to open two retail credit card accounts, which they did instantly with no issues. I make regular purchases and pay those bills every month. They know who I am and the fact that I pay my bills timely. 
Around the XXXX of XXXX, I received a pre-approval for another Synchrony-managed card. I accepted the offer and Synchrony sat with the entire thing in a " pending '' state and did not update or communicate with me whatsoever. Annoyed by the lack of any action whatsoever by Synchrony, I called and went through their menu funhouse and waited on hold forever. 

When I finally reached an agent, she looked over everything and said they had a problem verifying my identity and asked some questions. I asked why they had identity issues when I am a current customer and have the same exact information on-file? She sent a verification text to the same phone number on my other Synchrony accounts and I read it back to her. 

She then stated I would hear back from them, which, to this day, has NEVER occurred. 
Thus, it appears that the incompetent people within your company either 1 ) are scared to deal with me, even though I am a CURRENT CUSTOMER with regular charge/pay activity ; or 2 ) your people are incompetent and can not perform the duties to which they are tasked. 

I've suffered damages and have been subjected to the run-around and other abusive and unwarranted conduct by your Company, not to mention irreparable harm to my credit report as a result of your negligence and misconduct. You are advised of these facts and have been messaged further detail privately.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on account the account listed as XXXX XXXX Acct # XXXX. There are several inconsistencies which means this account information has not been verified and is causing me harm. 

Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX/XXXX XXXX, U S DEPT OF ED/XXXXXXXX XXXX, XXXX XXXX
Product: Debt collection

X/X/17 I tried to follow up with Amex to let them know I 'm trying to get my debt resolved and what I can pay. i explain to them that my business has faced a hardship and was forced to close, but i am willing to try to pay XXXX a month until the debt is resolved or i can pay remaining balance i XX/XX/XXXX. They are telling me if I do n't pay in full they will keep attacking my credit with late fees and past due payments even though i am still currently making small payments to the Closed account. I was offered 2 payment plans that were out of my budget at this time and i explained to the rep this is a closed account that i am trying to pay on i should n't be paying amounts as high as my car note to resolve this debt I 'm trying to make payments that i can follow through with and works best for me and my family cause they have to eat. so i do n't understand why they not trying to help me in my situation when I 'm trying to do the right thing and pay the debt.
Product: Checking or savings account

I filed a dispute for 30+ International transactions that occurred in under 15 minutes. My bank stated there were no irregularities yet there were multiple of the same transactions to a company in XXXX and a few other transactions to another company in XXXX. I have filed a police report and will file a lawsuit against the bank if my money and funds are not returned. More than {$2500.00} was taken out of my account.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with regional finance. I do not have a contract with XXXX XXXX XXXX. I have never recieved original contract bearing my wet ink authentic signiture nor have i received a XXXX for tax purposes from such creditors.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I am asking that you send your method of investigation, along with all records of you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. if you can't provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.