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

This is my second 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 alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

XXXX XXXX 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

Experian XXXX XXXX XXXX XXXX is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX account. 

In detail, Experian has : - Included my entire transaction history with XXXX XXXX XXXX  on my credit report dated [ date ], such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXX XXXX  as the furnisher. 

- Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states Experian can only provide my report with my written instructions. I did not provide such instructions. 

- Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

- Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

- Acted negligently and is therefore liable under 15 U.S.C. 1681o. If Experian claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a. 

In summary, Experian has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate Experian and take appropriate enforcement action to stop these violations. I will also be filing a complaint with the FTC regard Experian 's illegal activities. I also request compensation for damages caused by Experian illegally accessing and furnishing my private data without consent.
Product: Credit card or prepaid card

I made an order with Raymour & Flanigan on XX/XX/XXXX. The order contained a couch, love seat, club chair, ottoman, coffee table and two end tables. I was given credit from Raymour & Flanigan for this purchase. When initially making the order, the sales woman informed me that they would be " flexible '' with the delivery time window and that it could be changed after I placed the order. Of course, the day prior to delivery I called and they informed me that there was no flexibility. This was a difficult hurdle, as I was closing my house on the following afternoon and now had to figure out how to receive the delivery properly. Regardless, the coffee table and end tables were not delivered. I have attempted to call Raymour & Flanigan more than 10 times, and every time I call them they route me through a number of prompts, then throw me into a voicemail which they NEVER return. I have attempted to email them and have received no response. I have attempted to chat them and have received no response. On XX/XX/XXXX and on XX/XX/XXXX, I attempted to call them again and used different prompts. The system informed me that my wait time was 1 minute. After waiting on hold for 20 minutes, the system then told me that this was a non-working number. In the same breath, they have put credit against my name and I have no way of accessing the credit to pay my bill. When I login to their website, it says that I have no order history. Now, my entire credit score is in the hands of Raymour & Flanigan and their blatant incompetence and horrid customer service. I have an 800+ credit score, and to even SPEAK to someone I have to file a CFPB complaint - absolutely ridiculous. This company should be shutdown for their abuse of customer 's credit livelihood and complete disregard for their customers after making the sale.
Product: Debt collection

Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$460.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

You use my report inaccurately and have not validated correct information regarding my report i have listed all the consumer laws you have violated i ask you that you remove this account is department of education XXXX in accordance to my consumer rights
Product: Credit card

Synchrony Bank maliciously reduced the credit limit on my TJMaxx credit card in XXXX from {$1800.00} to the balance owed, {$1100.00}. Synchrony sent me a letter claiming they did this because they pulled my credit report and decided that they needed to reduce my limit. 

I have always paid Synchrony/TJMaxx on time, so there is no reason for them to 1 ) lower my credit score by cavalierly pulling my credit report. And 2 ) by then lowering my credit limit to EQUAL the outstanding balance, they 've further piled on the damage that they initially caused to my credit score -- by even pulling my credit report to begin with. I contacted them and requested that my credit limit be restored to at least its original amount of {$1800.00}. On XXXX XXXX, Synchrony sent me a letter denying my request for a string of vapid reasons. 

Synchrony 's actions are just more of a bank getting away with XXXX chance to ever get out from under a hefty credit card and interest cost debt. Please let Synchrony know that they need to stop this hateful and greedy beating up of us little guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.
Product: Debt collection

I requested proof of debt via credit bureaus when this appeared on my account. The company ( plaza services ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with XXXX. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.
Product: Money transfer, virtual currency, or money service

Got scammed on XXXXXXXX XXXX on XX/XX/XXXX I met up with the person. Sold me a fake phone that I thought was real. Never responded back to me bank never did anything. 
Was scammed of {$750.00}. Wells Fargo didnt do anything to help I filed a claim multiple times and I have the persons email that was linked to their XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got an email to pay my first payment and I clicked on the link and my account number I gave to the underwriting department at closing was already in there and I clicked to make my payment. Three days later it said the payment was returned. I was not sure why I made it again and it again bounced. I then made sure the account number was correct and it was not, so I tried to override it, and I thought the payment went through and posted and four days later is bounced again, as I was not allowed to override my account # since the original wrong account number was put in by their department. I then called to the customer service department to speak with a supervisor, and that is when she looked and saw the number in their system was wrong as I gave the correct account number. I was then and only then able to make my payment. They then reported it late even though it was their error and I called numerous times to correct.
Product: Credit reporting

XXXX/XXXX/15 : UPDATE i HAVE SUBMITTED A REVISED POLICE REPORT AND YET STILL THE ITEMS REMAINS. And just recently Equifax has added back old addresses in which I have disputed months ago to be removed. 
I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least three occasions. Three times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from one of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference numberXXXX XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXXXXXX  Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue with the bureau but to no avail. They have failed to provide me with proof to verify the account. Per the law failure to provide proof equates to deletion.
Product: Credit reporting or other personal consumer reports

THESE ARE FRAUDULENT ACCOUNTS MY INFORMATION WAS RELEASED BECAUSE OF THE XXXX DATABREACH AS WELL AS MILLIONS OF AMERICANS IDENTITY BEING STOLEN FRIM THE XXXX XXXX BREACH AS WELL AS THE DARK WEB THE ACCOUNTS ARE NOT MINES AND I SHOULD NOT BE LIABLE FOR SUCH THINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature XXXX another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX, EQUIFAX and XXXX do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

I am recently widowed with a XXXX year old and soon to be delivered XXXX XXXX. Great Lakes is my student loan servicer. I submitted a payment for approximately {$140000.00} for my student loan payoff which was received on or about XXXX XXXX, XXXX. The payment was cashed and funds withdrawn from my account. The payment showed as processing on my online system as of XXXX XXXX, XXXX. On XXXX XXXX, I contacted the servicer because the payment was still showing processing. I was told it can take a few days but interest would no longer accrue as of the date received - XXXX XXXX. This past week I followed up again because an auto draft payment was processed and the larger payment was still outstanding. I was told the payment was sent to the incorrect place and that it was being " processed '' to return the funds. All the while interest was still due and accruing. 

Now I completely understand that if I sent to the wrong place that is an issue I need to deal with but I followed up with my servicer to see if there was a problem. When I spoke with an agent she said they knew on XXXX XXXX the payment was not made to the correct place but it can take 30-45 days to have a new check issued to me. As of XXXX XXXX, the payment was still showing as processing on my online system and a new " check '' was still being processed to return the funds. However by cashing my check the servicer converted those funds and took title to them. If it was sent to the wrong location there was no need to cash my money and then keep that money for now 30+ days. Had the check not been cashed I could have had the payment voided by the bank and reissued to be sent to the correct location. But now the servicer is saying that even though I followed up and was given false information I must pay the loan interest for this entire month! How is that right they can take my money for 30 days, preventing me from earning interest on those funds, while at the same time charging me interest when they told me the payment was just being processed. Again if the servicer had not cashed my check and again taken title to those funds I would have been alerted to some issue and been able to rectify this easily and quickly. But not only did they cash my check and take my money, the servicer gave me false information preventing me from being able to minimize my exposure to additional interest charged on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A credit hard inquiry has been fraudulently placed by XXXX XXXX XXXX on XX/XX/ on my current Transunion credit report. 
The credit inquiry occurred without my permission due to Identity Theft. 
When I contacted XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX stated they have no business with the inquiry showing up in my Transunion credit report and refused to provide any letter related to the removal of the inquiry. 
And there is no option for me to dispute the credit inquiry in Transunion Online Dispute Center. 
I also contacted Transunion via Phone number XXXX, XXXX XXXXTransUnion, and Transunion online chat. 
But Transunion refused to delete the fraudulent credit inquiry from my credit report.
Product: Credit card

I've made it clear to the company that I did not approve this line of credit the second time, that the first time it was enforced upon me by the office manager at the doctor 's office this bill occurred at and I've been disputing this bill since they enforced it upon me ; that I'm XXXX and unable to pay this bill, and I also don't owe the {$3000.00} that the line was opened for. I've disputed this line 6 times and they and the doctor 's office will not provide these documents they state I signed stating this equipment was nonrefundable, and the fact that I owe {$3000.00}, which is not the case either. Since I have returned the equipment since it was not working properly, one was used so it was not covered under the nonrefundable portion and the other was brand new so it was warranty covered and the office could have returned it, and the rest was herbs and office visits. I was only there for 2 months, not the 3 initially signed for and the amount of the herbs was never disclosed, but the boot I was told was {$2800.00} and was also told by the manager was charged at a discount, and since he diagnosed me I " owed '' him, and was insistent on me purchasing their herbs and equipment despite the fact that I was XXXX, XXXX, and could not afford this line of credit. I do not owe this amount and can not pay it any time soon if ever, the equipment I am not responsible for and should only owe for the herbs which I would say is {$200.00} at most, and would not pay more than that. They also have a policy that is supposed to help those who are XXXX and unable to pay their bill and refuse to help me with that policy let alone discuss it and will not send me the documents the doctor is sending them so I can validate them. They are insistent I owe this debt despite what I say or send them. I don't know what else to do at this point. This line was opened in XX/XX/2024 and has been disputed 6 times since. I've attached the email I've sent to the doctor and to care credit regarding this line of credit and the email correspondence regarding this balance.