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

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/XXXXXXXX  I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
On XX/XX/XXXXXXXX   I wrote to you requesting an investigation into items that I believed were fraud, I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

LVNVFUNDG Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX District of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. I searched the PACER system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX & XXXX XXXX XXXX. I have searched PACER for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. The address is located in XXXX County and I have been a resident of XXXX County for over 10 years. As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Equifax expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}
Product: Credit card

Latter half XX/XX/XXXX : I get a first XXXX XXXX store credit card statement for paying towards a single purchase, made without my authorization, for flooring in the amount of {$5800.00}. Particulars : 1. Purchase date XX/XX/XXXX on a XXXX XXXX store XXXX card for account ending in XXXX. 
2. Place of purchase : XXXX NY XXXX XXXX, on XXXX XXXX. I have not purchased flooring in any quantity at the XXXX XXXX XXXX or any XXXX XXXX in over ten years. I have not engaged any staff there by inquiring about flooring, its pickup or delivery, or installation. 
3. I never applied for this card. 
4. I have never seen this card, though it is possible my deceased wife ( XX/XX/XXXX ) got it in my name. But I have never gotten a statement on it by mail or electronically. It is a one-off fraudulent purchase - to my knowledge. 
5. The first statement I have gotten on this card was in XX/XX/XXXX. 
6. I called XXXX XXXX Customer Service in latter XXXX to report the impersonation and fraud done in my name. 
7. They opened a case, closed the account balance ( I now guess in pending fashion ) and then closed the case without finding in my favor. They divulged almost nothing, leading me to believe the effort was perfunctory.

8. I have since received another account notice to make payment. 
9. I called again ( ~XXXX  XXXX, XXXX ) and, after they resisted and said only that signatures match, they reopened the case. 
10. I do not know even how to call XXXX and provide any information on the card number or its account application, etc. 
11. This was a clever impersonation and fraud and I doubt the item was delivered and installed by people associated with XXXX XXXX. Pickup by customer arrangement seems the most likely. 
12. Current case claim # is XXXX. 
13. XXXX XXXX agent is welcome to come to my house and look around.
Product: Debt collection

I do not have any record of doing any business with this company!! I explained that to this company and they still filed a derogatory item on my credit bureau!!
Product: Vehicle loan or lease

Good evening XX/XX/XXXX I tried to reach out to Santander about the lawsuit that's going on with the company because I think I should be part of Loan Forgiveness and Car Title because I have Defaulted on the loan but the vehicle was not repossessed I couldn't get any help from the person on the phone they were very rude because I would not give them my address to collect a debt. 

SANTANDER CONSUMER USA Date opened XX/XX/XXXX Status Charge-off XX/XX/XXXX Past due amount {$21000.00} Original loan amount {$27000.00}
Product: Credit card or prepaid card

payPal is continuously putting a debt of {$220.00} on my credit report which makes my credit score decrease. They have done is at a minimum of 3 times. The first time was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. I am sick and tired of them. I have submitted all 3 times the same bank statement showing that I paid this. I want them banned from having any future reporting with this amount or any amount associated with these transactions made during XX/XX/XXXX XXXX. They are damaging my credit score repeatedly and I want it fixed immediately, whoever is going back and attempting to collect more monies is committing fraud and should be FIRED!!.
Product: Money transfer, virtual currency, or money service

I was reached out to on a freelance modeling website XXXX about an opportunity to collaborate with XXXX XXXX and XXXX  for a photoshoot with XXXX XXXX My contact is using the name XXXX XXXX XXXX the name of the company president. They sent me what I believe to be a fake check for {$3500.00} on XX/XX/XXXX, and had me send XXXX to XXXX XXXX XXXXXXXX XXXX through XXXX on XX/XX/XXXX and XXXX to XXXX XXXX XXXX through XXXX on XX/XX/XXXX - these people were said to be " supervisors '' for the photo test shoot with XXXX. 

I reached out to the verified XXXX XXXX XXXX on XX/XX/XXXX and they confirmed the email address I've been speaking with is not one of their official addresses. The email for the scammer is XXXX. For my own " identity verification '' I sent them my SSN, front and back of my drivers license, my cell number, and my mailing address. 

They also offered me a fake contract to sign on XX/XX/XXXX which is when I stopped responding immediately to their emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified Letter indicating the Payment Status was still reporting inaccurately. Equifax refuses to correct and update the Payment Status for the account XXXX XXXX XXXX The Payment History has been updated to no late payments but the Payment Status is still incorrect.
Product: Bank account or service

I opened a citigold checking account according to the promotion they have to credit me XXXX XXXX miles. 
I fulfilled the requirements, but Citibank refuse to give me the promotional miles. 
I have the correspondent mails and messages talk with them to confirm my promotional eligibility and their response of my fulfillment of the requirements. 
Also the letter they give to me recently denied my eligibility of getting those promotional miles. 
I ca n't find a easier way to communicate with them directly because of this time consuming process. So I write my claim here.
Product: Credit card

Apparently XXXX XXXX ( synchrony bank ) has changed their terms of service in their credit card and are charging interest on interest accrued in the last billing cycle. I paid the billing statement in full on XX/XX/XXXX which was 2 days ahead of the billing due date then get a bill for {$2.00}. I did a live chat with them and this was the response. " We recently sent a Change in Terms in the mail, in your statement, or via your paperless statement with these changes. Please refer to the " Changes to When We Charge Interest '' section for any questions.

If you did not pay your balance in full in the prior billing cycle, interest will be calculated on your balance from the first day of the current billing cycle until we receive your payment in full, even if you pay your balance in full and on time and make no new charges in the current billing cycle. 
This interest, plus interest on that in-terest, will be reflected on your next billing statement. '' Charging interest on interest does not seem right when you pay the statement in full.
Product: Money transfer, virtual currency, or money service

XXXX supposedly issued two refunds for cancelled transactions : Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX XXXX XXXX just sent you a full refund of {$70.00} USD Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX just sent you a full refund of {$250.00} USD The refund is owed to me, but they sent it to PayPal. PayPal supposedly sent it - but they did not - They lied. ( Notice the Status Completedno way it ever was completedthey lie - are holding it ). 

Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX PayPal supposedly has sent the refund, but neither the bank card administrator nor my bank administrator have seen anything of it. But XXXX insists that the refund is paid and then tells me " it may take 21 days to work through the system ''. Both the card administrator and my bank administrator tell me that is an outright lie, and if they had returned the funds, it would be in my account in minutes. PayPal is simply holding my money. I got the refund ... not PayPal ... so why does XXXX even give " my money '' to PayPal? PayPal can withdraw money for payment in seconds 24/7/365 ... but they can not put a refund back in less than 21 days minimum ... I am sorry but that does not compute. It simply gives PayPal a free loan for 21 days and counting. PayPal is stalling, but the buck stops with XXXX. They are the ones issuing the refund supposedly to me, and they could easily put pressure on PayPal to move it along, but they make the ridiculous claim that it is out of their hands. PayPal meanwhile is impossible to contact. I have a XXXX and I can not do phones ... do not even have any phone ... so they are trying to force me to make a PayPal accountthen they demand access to my bank account to issue any refund. You can not purchase anything on XXXX without going through PayPal. They can deny being connected all they choose to do so, but they are joined at the hip, and both are not particularly honest. I have written lies from each of them. 

Please note, I have no PayPal account - plus not only are they not giving my money back in reasonable amount of time, but they are also charging me for the abuse of doing so. 
I was issued a quoted refund amount by XXXX, but now PayPal is taking a chunk as payment for abusing me.
Product: Debt collection

XX/XX/19: XXXX XXXX to my employer and to a former partner of mine- (but no calls to me?)

I was informed that this company - Pendleten Pre-Legal- left a message(s) for me to return their phone call. The female who left the message indicated that is was regarding "a legal matter"; the message was left at a employer's desk where personal phone calls are not permitted. Furthermore, said female left a voicemail with a former partner of mine. As the alleged borrower of the debt they are trying to collect on, I've never received any notification via phone or mail myself.  I attempted to resolve the issue over the phone, but was threatened with court action if there was no resolution by XXXX XXXX on XX/XX/19, which is today, when I stressed that I did not receive any prior notification via mail. I was notified that multiple emails were sent, which is pish posh. I'm confident the loan this "establishment" is attempting to collect on stems from several identity theft issues that I've had in the past. Should I receive notification of the alleged debt via registered mail (wherein I must sign for the receipt of the mail), I would be more than happy to review the information and determine if I should act or not. I would like the know the alleged loan agency, the amount, when the loan was received, and any other pertinent details- again- all via registered mail.  However, I've not received any communication from this company whatsoever other than some abstract details via a phone call today. I asked to speak to management many times, and was told there was no manager. I notified my employer that this was a scam as I have no verifiable information from this "establishment" at hand, and to transfer all of the proceeding phone calls to security. I believe this establishment, Pendleton Capital Management, is in violation of the FDCPA. Though I used profanity in return and probably should not have, the female(s) on the receiving end of the phone used abusive language , have spoken or implied to others about an alleged debt, have called a workplace ( they were notified during today's conversation that said employer does not allow personal phone calls as I work in healthcare ), told a co-worker I've committed a crime (or implied as much with the phone call itself). If there is a judgement against me, or a pending judgement, I would like to see the court documentation. Again, a registered letter would suffice. As I understand, a collector cannot state that a law suit will be filed nor that my wages will be garnished if that is not the intention (both of the aforementioned statements transpired during the call today- which I recorded myself, and I was told I need to fix by XXXX   today). I have filed a report with the XXXX as well.   Lastly, this agency should expect certified mail from me  wherein my wishes to have them stop immediately contacting me, my partners (former/current) and employer(s) (former/current) or anyone that I know for that matter- via phone.
Product: Credit reporting or other personal consumer reports

Remove and block the inquiries as soon as possible.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problem with reporting agency Equifax for the last three years, I have been disputing items and account that do not belong to me for the last three years with Equifax, they just delete the items that I disputed and then after 2 months than they deleted these items from my account and they reinstall them again or just put new ones in my report, my credit score has dropped XXXX points due to these problems since then, I have sent documentation like three/four times in the past already to support my dispute claims and they are always asking for more and more documentation that I already sent in the past. I am just tired and too stressed with all this happening and I am appealing to this government agency to help me out with this matter. 
These are the items that dont belong to me : 1. Two hard inquires : 1 : XX/XX/2021. 2 : XX/XX/2021 2. Two wrong addresses in my file : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX 3. Wrong name and address on file 4. Two installments accounts : XXXX XXXX XXXX account ending XXXX XXXX XXXX account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to review my credit report last year and saw a bankruptcy that didn't belong to me I disputed with credit bureaus and also XXXX XXXX since they were the 3rd party that supplied the information XXXX XXXX agreed it was an error and deleted it off my report., XXXX  deleted it after disputing and sending in my documentation. It is still showing on my XXXX and Transunion credit report. I was told I they verified the information with the courts and I would need to contact them, I contact the courts in writing that was listed and they stated they do not provide any information to the credit bureaus and I would need to contact them to dispute. I sent that documentation in and I was later told they verify the information with a third party XXXX XXXX XXXX XXXX, who already deleted it from my file and also have file a dispute with the credit bureaus on my behalf and was never responded to. I've had XXXX XXXX file twice a dispute and no one has responded to them. I have had no issue with XXXX
Product: Credit reporting

There are accounts in my credit file that do not belong to me and Trans Union is n't responding to my requests to investigate and remove them from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY CO L is reporting a COLLECTION ACCOUNT and a LATE PAYMENT ACCOUNT on my XXXX and XXXX credit report. Thesea accounts are not mine.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$140000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, XXXX & Equifax asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.