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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 received bank statement from Synchrony Bank was due and late. 
I contacted their customer support to state that I had established an account with Synchrony Bank. I told they file a fruard investigation on the account and they would inform me of the out come. 
I call again XX/XX/24 and was told that the case was still under investigation. 
On XX/XX/24, I received notice from Synchrony Bank send a mailed statement indicating that I owed {$340.00} balance and {$130.00} past due. Called company and talked with Manager named XXXX ( no last name given ) that the fr
aud investigation is underway.

My credit report indicates that Im more that 30days late in payments to Synchrony Bank.
Product: Checking or savings account

I was newly released from XXXX  I was in from XX/XX/XXXX XXXX and Ive got out XX/XX/XXXX XXXX and I've seen some unauthorized transaction made on my debit card... I have document that shows I was XXXX XXXX  when the transaction happen .... I reported my card stolen from the bank and made a dispute when I called and spoke to customer service ppl... I fax them my release paper XXXX XXXX  but they denied me twice and I don't know why.. cause Ive showed proof of me being XXXXXXXX XXXX  The amount claim is {$1700.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX is not looking into investigating I need to know where the information is coming I need to see proof. which they are not providing I will like to get it remove off my report
Product: Checking or savings account

On XX/XX/XXXX, my savings account was forcibly closed and all interest paid YTD ( {$4300.00} ) was taken away. I called in on XX/XX/XXXX and the customer service representative would not explain why. I then called in on XX/XX/XXXX and tried to find out why it was closed. It was escalated to a supervisor named XXXX and she was no help either. She was not customer friendly. I asked where my money was and she said it would be mailed, but offered no date when I could expect it. I asked to speak to someone else and she said there was no one else. It been 2 weeks now and nothing been received. I am sure a bank of your stature does not have only CSRs running it. Surely, she could have escalated my concerns further. I am totally dissatisfied with your company. 
I sold my business and now have excess cash coming in and I wanted to put it in several high rate saving accounts. Periodically, I check my several banks and move money to substantial higher paying bank accounts. This is exactly what I did in XX/XX/XXXX. 
On XX/XX/XXXX, I tried to transfer out 2 transactions ( {$79000.00} and {$54000.00} ) and they were denied. I called in and explained that I was moving money to a higher paying bank and the customer service representative removed the block. The next day I was successful in transferring these two deposits to XXXX XXXX ( XXXX XXXX ). 
I did not receive anything in the mail about account closure. This would be the most appropriate way to communicate. Email communication would also work. Your company has both of these methods to contact me with. I did receive a voice message on my phone from the fraud department but thought since I did call in and your customer service representative removed the block, all was good to go. There have been no further communications that I am aware of. I felt good about your company since I have a GM Rewards card with you. I have been a customer of the bank since XX/XX/XXXX and feel I should not be treated this way. 
What I want is my money back, my YTD interested credited back ( {$4300.00} which I have earned ), and interest from XX/XX/XXXX to present. I did not do anything wrong. Please take this matter seriously.
Product: Credit reporting or other personal consumer reports

1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the accounts in question is XXXX XXXX XXXX XXXX  Account number XXXX  Reporting to ( transunion, XXXX ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports. 

2 ) XXXX XXXX XXXX XXXX  Account number XXXX Reporting to ( transunion, XXXX ) has my address listed as XXXX XXXX XXXX unit XXXXXXXX XXXX XXXX NY XXXX is inaccurate and I have never resided or collected mail at this address. 

3 ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I am requesting that this account be removed from my reports. I am requesting that this account be removed from my reports. for damages for violating my consumer rights and perpetration fraud against me, destroying my personal credit, and preventing me from obtaining a Home mortgage, consumer financing, and business financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that a company called " FLAGSHIP CRE '' ran my credit. I did not authorize this inquiry. This inquiry has caused my XXXX XXXX to decrease and I fear that my identity XXXX have been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, like 143 million other Americans, found out today that my personal data, including name, DOB, address, SSN, etc. were compromised in the Equifax security breach. It is unacceptable that the company is offering only one year of credit monitoring as recompense for this mistake. This information can be sold and is just as valuable fifty years from now as it is tomorrow.
Product: Money transfer, virtual currency, or money service

For the past four years, every time I attempted to cash a check at a grocery store ( XXXX ), national chain retail store ( XXXX, XXXX, XXXX XXXX ) that offers a check cashing service I have been denied simply because the " company that verifies information '' flagged my social security number. I can not get approved for a credit card, car loan, home loan, etc due to this company flagging my personal information. 

Then to make matters worse, when calling and attempting to remove the flag on my account I am only allowed to speak to an operator who can only help customers with a select few issues, which of course did not pertain to my situation. 

If you attempt to lie and choose false reasoning for your call, you are then informed that you did not answer honestly or correctly so therefore I will continue to be denied services. 

I feel my rights and privileges of having access to my money are constantly being violated. The number of my credit score does not excuse or allow corporations to deny American Citizens access to funds received from the federal government. That is illegal, and there is no reason or excuse why I am constantly denied access to something given and provided by our government.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and HSBC Bank are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.
Product: Prepaid card

XXXX XXXX Services froze my XXXX computer screen with a window instructing me to call XXXX at phony phone number. Then " XXXX '' transferred me to XXXX XXXX XXXX which falsely claimed to be XXXX 's contracted tech service. XXXX pretended to " fix '' a problem they caused in the first place. They took remote control of my computer for at least XXXX hours. All XXXX & XXXX forums I have read explain XXXX is a scam. They allegedly are HQ in XXXX XXXX NJ at XXXX XXXX XXXX # XXXX zip code XXXX ; contact XXXX XXXX, email XXXXXXXXXXXX, phone XXXX. I was hacked by XXXX XXXX/XXXX/15 & discovered scam XXXX/XXXX/15. I have complained to FTC. I have complained to Comerica Bank which is sending me a fraud complaint form, a new Social Security check prepaid debit card ; they asked me to file a theft report with the XXXX Police Dept. This is cybercrime, wire fraud, and other crimes, I guess. Go to FBI? U.S.Justice Dept? New Jersey Attorney General?
Product: Debt collection

I received a letter from XXXX XXXX XXXX threatening me with a lawsuit even though I told them not to contact me again without a proper validation letter as required under FDCPA. They contacted me anyway and are trying to coerce me into paying debts I do not owe according to the law. In addition, the debts in question are invalid because 1 ) the original providers sent me bills more than two years after I was seen and therefore missed the six-month Good Filing Deadline, and therefore according to regulations these charges MUST be written off ; and 2 ) I was under XXXX and was taken involuntarily to XXXX XXXX Hospital on XX/XX/XXXX, 2013 and therefore the state is responsible for paying the bill, not me ; that is an established fact of law.
Product: Debt collection

This is a complaint about a debt collection agency contacting me about surprise medical debt. The charges listed against my account were unknown to me all this time and for the charges to be in debt collection now are an issue to me. We are contacting the hospital to discover why we were never contacted about the listed charges by the hospital for years. We are also contacting them for necessary information, proof of benefits and services, and line-item charges for the debt listed against us. We have successfully made all payments for all known charges to us since receiving services at the hospital, so these surprise charges are very odd to us. The charges are from XXXX and XXXX and we have since visited the same hospital and updated their systems for them to approach me successfully about any debt.
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # XXXX, has violated my rights.

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: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Equifax ) Unauthorized Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX ] XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 5.XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX 7. XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 accounts 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 : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I've noticed an unfamiliar account on my credit report that isn't mine. It might be due to identity theft or fraud.
Product: Debt collection

My car insurance policy ended. But XXXX decided to renew my policy without my knowing while I called them and told them that I did not want to renew the car insurance because I found different car insurance. And they said that I owed them when I did not renew my policy and they put it to collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX account # XXXX I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within XXXX  days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. 
Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within XXXX  days, then you are excused from verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX XXXX due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information on my credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681o, I am entitled to dispute any information that is incomplete or inaccurate, and I request that you investigate the following disputed entries on my credit report. 

Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ending in XXXX ) Disputed Item ( s ) : Incorrect late/missed payments reported for the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I believe that these late/missed payments were reported incorrectly for the dates listed above. The payments were made on time. I kindly request that you investigate these entries and correct or remove them from my credit report. 
Please conduct the investigation as required by 15 U.S. Code 1681i, and correct or remove the inaccuracies from my credit report. I request that you notify me of your findings and the actions taken within the 30-day period mandated by law.

Should you require further information to complete your investigation, please contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

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

have had identity theft I did a dispute multiple times and i was denied relief and just sent a generic letter saying that I did the dispute in error, then I asked for them ( each credit bureau ) to send me the proof that it was me that opened the accounts that where opened fraudulently. Equifax XXXX and XXXX refuse to remove these accounts that are fraud and will not share why they are being validated. these are the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XXXX, I had a negative statement balance due to me overpaying. I requested to get a check mailed to me so I can get the negative balance refunded but I never received this. The amount I am talking about is {$130.00}. I contacted a rep since I haven't received it yet, and we got to the point where they would directly deposit the balance into my account. This deposit happened XX/XX/XXXX. Later on, I saw I had a balance of {$130.00} on my AMEX card. Apparently AMEX thought I got the negative balance refunded twice ( once by mail-in check and once by direct deposit ) when I only got XXXX deposit in my bank account - the mail-in check never arrived and I have not deposited this amount by check at all. They claimed the {$130.00} account balance that got put on my account was from two refunds so this is incorrect. I had to pay {$130.00} on the account otherwise my credit would be affected. I am still negative balance of {$130.00} since my account has the direct deposit of {$130.00}, but then a debit of {$130.00}. I have talked to numerous individuals at AMEX but no one seems to understand that I still have not received my overpayment back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report from XXXX XXXX XXXX XXXX account with account # XXXX opened on XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

Inquiry from XXXX on XXXX 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XXXX 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XXXX 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX