23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm formally requesting the removal of disputed items from my consumer file as required by the FCRA. Despite multiple attempts to correct inaccuracies directly with the furnisher of information, including sending multiple letters, I've received no response. The FCRA mandates accurate, complete, and verifiable reporting. If no proof of debt exists and the information reported is not verifiable, it can not be furnished to consumer reporting agencies. I'm not asking for an investigation ; I request that the entry be updated or reflected as closed/never late, as there's no evidence of its validity. I expect prompt action in compliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019 a report was made in the amount of {$1100.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Block of information due to identity theft Dear XXXX XXXX XXXX Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXX ( XXXX XXXX ) Account Balance : {$6800.00} Account Number : XXXX Your company has 4 business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation.

I look forward to your response.
Product: Credit reporting

Experian does not have any account reporting for my XXXX XXXX accounts.
Product: Checking or savings account

I have tried to transfer money from my XXXX joint account for a couple of months now but kept getting a generic error ( " technical issues '' ). I called them about it on Friday, XX/XX/XXXX, and they told me they had restricted my account for withdrawals without any notification, and couldn't provide any reason for that. 

I got that account unrestricted on the phone and initiated a transfer thinking I was all set. However, later that day, I got an email from XXXX requesting I call back. I called back on I spoke to an agent who said a specialist would need to look at the account. I was on hold for 30 minutes and the agent took down my number and said the specialist would call me. I haven't heard anything since, haven't been able to get in touch, and now am completely locked out of my account. 

The bank is holding my assets, not letting me transfer any money out at all.
Product: Debt collection

I was not the card holders it was XXXX. Citi card
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to EXPERIAN. I sent them a letter last XX/XX/2023 regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , Dept of Ed/ XXXX ,   XXXX   Univ   XXXX   XXXX  , and   XXXX   XXXX   XXXX   have been on my r eport original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since    2010. They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since 2010 and they put letters in later that are not clear that do not make sense since I did not pay anything 2010 u ntil recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  XXXX  and  Consolidated  by    XXXX   XXXX   XXXX    in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  XXXX  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached    XXXX   XXXX   XXXX   p aid off all loans in excellent conditio n ) ( See   XXXX   XXXX   XXXX   lette r states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )
Product: Debt collection

So, I sent you guys a letter two weeks ago and still haven't heard anything back. You guys are reporting inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased 2 sofas & 2 chairs from XXXX XXXX  The furniture totaled {$2300.00} no where near the {$8200.00} amount being reported on my credit report by XXXXXXXX XXXX I have no idea where this amount came from. I agreed to do a 12 months same as cash deal with the sales person at XXXX. It was right before they closed for the day & their printer ran out of ink & they could not provide me with copies of any of my agreement and agreed to email me copies, but then they did not. 

I had made payments totaling {$2100.00} then contacted XXXX XXXX in XX/XX/XXXX to pay my remaining balance so that I could pay the account off prior to the 12 months at the cash purchase amount, but the remaining balance I was given was not at all correct. They quoted me an outrageous amount over {$6000.00}, no where close to what should have been owed. I could not ever get XXXX XXXX to send me copies of my paperwork that I didnt received upon purchase or afterwards by email as promised.. I never got an explanation to what was going on, so in early XXXX, I contacted the District Manager XXXX XXXX ( XXXX ) through an email I found on a letter & he told me a balance of {$940.00} which was much closer to the amount that should have been owed.. I asked him how I could go about paying this amount & he never responded.. so I tried again to call the # I had to pay the account off but was still being told the much higher balance.. Im not trying to make excuses but around that same time my mother was diagnosed with XXXX XXXX XXXX & my time & energy went into caring for her, not arguing with them & the debt took a backseat in my life.. After my mom passed away, I tried once again to resolve the situation.. without any luck & upon finding multiple lawsuits & countless records of this company doing the same thing to other consumers I filed a dispute with the credit bureaus without any luck. It says they verified the account but I wasnt provided any documentation of this & I dont understand how they verified information that is so incorrect.. I have no problem paying the {$940.00} that I owed on the account, but I will not pay thousands of dollars that I do not owethe incorrect information is effecting my life in a very negative way.. employers in the field of XXXX XXXX XXXX  wont hire me based on a collection on my credit report & Ive also been denied credit.. any help in resolving this matter would be much appreciated..
Product: Credit card or prepaid card

Victoria Secret angel card charged {$1.00} fee in XX/XX/XXXX when the account had a {$0.00} dollar balance. The account then relieved a late fee for not paying the undisclosed {$1.00} minimum finance charge. Resulting in a {$2.00} balance. In XX/XX/XXXX there was a notice of {$2.00} on the account.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these inquiries are causing an immense hardship on my life. Per the FDCPA, FCRA, TILA and 18 USC 2265.

An account needs to be established with full faith and credit or deleted off my consumer report. I do not authorized in use of my credit without there being a benefit to my person.
Product: Debt collection

No action was taken by Midland Credit management Original letter from them XXXX was sent XX/XX/year> In all credit bureaus Amount reported in all credit unions is {$1000.00} Letter of Debt Validation from myself was sent XX/XX/year>. 
The information in the letter : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Asked to provide the following information regarding the alleged debt : 1. The amount of the debt, including an itemized and history breakdown of principal, interest, fees, payments made by me, and other charges.

2. The name of the original creditor and to see the signature that I put on the contract guaranteeing that I would pay this creditor.

3. A copy of the original agreement or contract showing my responsibility for this debt.

4. Asking to see if there has been any insurance claim found on this debt.

5. Proof that you are authorized and have the chain of title to collect this debt, including documentation of any transfer of ownership or assignment.
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX XXXX on XXXX/XXXX/2020. This card is issued by Synchrony Bank. One of my main reasons for signing up for it was due to the advertised benefit of Price Protection. The benefit is listed as current on the XXXX website ( https : XXXX # XXXX  ) and is even stated in the guide of benefits that accompany the card received from Synchrony Bank XXXX However, when I try to call and inquire about the benefit from the benefits administrator, they state that the card is ineligible for Price Protection. Nevertheless, Synchrony Bank customer service affirms that the benefit still exists but could not provide an exact path to how the benefit can be used. No phone number or website that will direct me exactly to this benefit. I have tried every route of contact on the guide of benefits, but the benefits administrator keeps stating this card does not have the Price Protection benefit. Therefore, I am writing to complain about Synchrony Bank customer service that is incompetent about its products. In addition, I would like to bring to attention the misleading advertising that Synchrony Bank uses on its website and its mail prints. This bank is advertising benefits that have no basis and are, in reality, not available to consumers.
Product: Credit card

Wells Fargo declined my fraud dispute without investigation. 10 days have passed and I have not received any credit As context, I am a customer with 25 year credit history, XXXX XXXX score, and no previous disputes On XX/XX/year>, I reviewed my account and noticed a large number of unauthorized charges, most if the amount around {$500.00}, all occurring in the course of XXXX weeks at about XXXX charge a day, at XXXX XXXX across the country. 

All these transactions were fraudulent. I reported it immediately to the credit card company. A few days later, agent called and asked if I have card in my possession ( I do ). She informed me that all transactions were " card present ''. I told her they are fraud, and pointed out to suspicious pattern described below. She hanged up. Few days later i received a letter denying my dispute. When I called, they told me that the charges were declined because transactions were " card present '' with chip used. I reiterated these were fraud and asked to reopen My complaint is : * Wells Fargo denied my report of fraud charges without attempting to investigate. I told them before that I have card in my possession and transactions are fraudulent. They ignored it. Simple XXXX search shows industry reports that fraudsters have been copying cards and fraudulently making chip transactions * Transactions are clearly following suspicious pattern : -- All but XXXX are from XXXX stores -- They occur about once a day -- They are all ~ {$500.00} or slightly less than that -- They are from different XXXX stores -- XXXX TX, XXXX TX, XXXX TX, etc -- These card present transactions happen when i did other, legitimate card present transactions in different locations far far away ( I see them on my statement ) -- I never used any of theseXX/XX/XXXXstores, and normal people don't make daily {$500.00} transactions in home improvement stores all around the country. 

* They did not try to do further validation that I told the truth : - They ignored all patterns above - Receipts have to be signed. Store records will show that the signature is not mine - XX/XX/XXXX records customers. One can ask video records and show this was not me - My cell phone and other records will show that I was nowhere close to these stores and was in a different part of the country, no one from XXXX asked me to provide any of these. 

* Wells Fargo declined my request without due care, and did not give me any provisional credit. I believe this is a violation of XXXX as an unfair and deceptive practice. 

I demand Wells Fargo to uphold the XXXX for fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( TransUnion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof.
Product: Mortgage

Guild mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I as a single mother with steady income, steady household income have been denied due to not having credit scores over XXXX. For FHA loans on all government websites it clearly states these loans are specifically designed to help people like me with less than average credit scores or marks on their credit. These loans are being used for people who have higher credit and are being told all credit marks on their reports must be remedied prior to loan acceptance. If I had a perfect credit score or credit profile I would not be looking to obtain a government backed loan. No banks are offering the XXXX credit limit as disclosed as a requirement for the FHA loan, rather asking for XXXX or above. I have attempted through multiple lenders and now my family is at risk for homelessness due to the loan system. I have the ability to pay, I am currently paying and have the ability to pay all future payments. I am being told with a monthly household income of over XXXX after taxes my household does not make enough money. I feel I have been discriminated on as when working with guild mortgage my lender contacted my real estate agent and notified him I was unable to obtain any loan and would not be capable of obtaining any loan. This has greatly affected my ability find and secure housing for my family. If government backed loans are specifically made for lower income, lower standard individuals like myself ( single mother households ) why these loans not being provided to individuals such as myself to remedy homelessness or the chance of. Where go? Who do we turn to? Do we just accept homelessness? There has to be someone who lends based on government standards set in place rather than making their own standards and denials based on poor credit scores when clearly the minimum score has been set at XXXX. Can you please direct me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan with XXXX XXXX XXXX   today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.
Product: Credit reporting or other personal consumer reports

Why are you indicating that XXXX XXXX XXXX XXXX XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached COURT documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$0.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for XXXX XXXX XXXX XXXX XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed/purchased a vehicle thru XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I voluntarily surrendered the vehicle and it was sold at auction sometime in XX/XX/XXXX. The vehicle did not sell for as much as I had hoped and had a remaining negative balance of which I owed to XXXX. After litigation, we came to an agreement on terms/payments and I entered into a structured re-payment plan with XXXX for the remaining balance. Sometime in XXXX of XXXX, suddenly XXXX started reporting my account as a CHARGE OFF and that I had been making monthly payments of {$360.00} thru a lawyers firm directly towards my account. From a credit standpoint, it looks like I have an active CHARGE OFF on all 3-credit agency reports, and what's worse is that it looks like I'm paying {$360.00} on a monthly basis towards and account that says it was " Account charged off. {$25000.00} written off ''. Which is not true whatsoever. I've tried to contact XXXX, but since this account was involved in litigation, nobody seems to have access or ability to help me get this corrected. With XXXX reporting that this is still a CHARGE OFF and reporting an updated payment status each month against that it is causing my credit score to be reduced over 100 points on each agency. XXXX had not reported anything against this account in almost 2 years, but all of the sudden in XX/XX/XXXX they submitted and update to all the agencies and created a credit issue or problem as to what that loan actually is, and what the current status is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not notify ( phone or mail ) that my account was negative. I called on XXXX, XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.
Product: Credit card or prepaid card

I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. 
Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. 
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