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

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : 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 I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Routing # : XXXX Account # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my

Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX, XXXX XXXX
Product: Mortgage

Regarding our 2nd mortgage that was sold to the SLS company years ago which they have not sent a mortgage statement for years and we have not made payments for about 8 years or more. Now we are receiving statements and we submitted 2 mortgage relief applications last year in which they lowered the interest but asking a big lump sum payment of about XXXX as a down payment. They keep sending letters with all our options to give them a call so we tried again the 3rd time and got the same option this time they said congratulations we have approved you for mortgage relief option but have asked now XXXX ( Please see attachment ) which we do not have the amount they are asking for. We are reaching out to your bureau for assistance in negotiating with them that is affordable. 

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

SLS ( Specialized Loan Servicing ) had us on mortgage forbearance last year, due to Covid-19. In XXXX it was coming to an end, so we requested a 3-month extension of that forbearance, to include XXXX / XXXX XXXX. 2020. 
SLS said yes ( this was over the phone ) and they would send me a letter to confirm. As weeks went by we never received the letter. 
I called SLS at least once a week to ask and was repeatedly told " don't worry, you're in review, just wait a few more days ''. 
Then I was notified by our credit card companies that SLS had reported " negative information '' to the credit bureaus. Up until then, our credit was always good, in the 800+ range. 
Now, due to SLS reporting us as late payment, " delinquent '' in XXXX / XXXX 2020, we can't get the new mortgage we're applying for. I called SLS and they told me it was a " mistake '' and would be corrected, also to ignore all the letters telling us to pay, as our file was " in review '' and we'd receive a letter or email to confirm. It never arrived. 
Finally in mid-XXXX we decided to pay the {$10000.00} we were behind on and cancel the forberance extension request, as SLS was never going to finish that review. Every time I called it was different, sometimes it was " the supervisor is reviewing '' sometimes it was, " we will call you in 3 days '' and so on, but never a written confirmation of the forberance extension review. 
We borrowed the money to pay SLS the {$10000.00} + and get the mortgage back to regular status. Have made our regular payments since then, so that is all current. 
But the negative info is still there with the credit bureaus and has not been corrected by SLS. 
Am now applying for a new mortgage and the lenders tell me they can't give me a reasonable rate due to this negative info. 
Have called SLS daily for the past 3 weeks, now they don't answer the phone, you put in all your info in the verification menus and then it disconnects you. My email messages on their website also get no answer, same with the 3 faxes I've sent asking them to correct the credit bureau info. 
I don't know what else to do, but need this fixed, we won't be able to get the mortgage we need for our new condo, and it's also very unfair. 
Please advise what else can we do, thank you!
Product: Debt collection

I received an odd message that a claim is being filed against me in my county. They gave me a file number and said that they needed to verify my identity with my social. I told them that I didn't feel comfortable and they Said they would call my employer and find my location and send police. 

I told them not to call me again and send anything pertinent to me via mail. And please stop calling me. I feel like it is a scam. They wouldn't tell me who the original debtor was or anything. 

Their numbers are : XXXX and XXXX. 

I looked it up and it seemed like fraud but wanted to report. 

Thank you.
Product: Credit reporting or other personal consumer reports

U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Money transfer, virtual currency, or money service

Good morning, I write again in relation to my complaint number XXXX, I have not received a response yet, but I want to inform and leave in writing that on XXXX I received an email from XXXX, signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I responded to that email the same day and also called the number indicated in the same email to confirm receipt of it, however, I was answered by voice mailbox in which I left all my information including my phone number so they could call me back, again on Friday, XX/XX/XXXX, I called again and the answering machine dropped again and I have not yet received any response to the email in answer or to the calls. 

In the same day, Friday, XX/XX/XXXX, I wrote again to the encrypted email sent by the bank where I again indicated that the response indicated in that email regarding my claim was not going to be accepted, and that it required that they send me all the information about those operations, from which computer they were made, the codes sent to authorize them and the hours they were made, and even information about the recipients of those transfers. 

Once again, I appreciate all the support you can give me regarding my claim, since as I have indicated, these people took my lifesavings, and clearly these transactions do not have the characteristics of the usual transactions made by me, and that I would never have taken out that amount of money that way and leave my accounts practically without money without notifying the bank because it is practically having to close them. 

Thanks for your good offices, Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification from the agencies that have bought debt that was opened illegally in my name while I was in XXXX, and they have failed to provide me with any information on this. I have submitted documents showing my time living aboard when these accounts have been opened fraudulently. Other debt collectors can not provide me with the original creditor or any other information at the time the debt was attained. 

Here are the companies that are reporting inaccurate and negative information to my credit report, that have failed to supply me with verified information of said debts, and when they were originally opened. 

NamXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address po box XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per the Federal Law of Inaccurate or Unverifiable Information, I wish this information to be removed from my credit reports and all unverified information and inaccurate information removed from all public records.
Product: Credit card

Synchrony Bank ( Formerly GE Capital Retail Bank ) I 've notice XXXX charge off accounts on my credit file so I have disputed the information with all three credit report agency and they came back verified. I Then contacted Synchrony Bank ( Formerly GE Capital Retail Bank ) and I spoke to a Customer Service Representative named XXXX XXXX she would n't provide me with an employee ID. XXXX XXXX informed me that these synchrony/GEBank accounts do n't have any information on them that it was all sent to a collection agency. How did they investigate these accounts with the credit report agents without any documentation?
Product: Debt collection

I disputed several accounts with Commonweath Financial Systems and they agreed through XXXX to delete several disputed accounts from my XXXX Account. They were listed as NEW as of XX/XX/XXXX after their agreement to delete them in XX/XX/XXXX. Also showing up with XXXX by Commonwealth. These accounts were paid by insurance and never removed by the original debtor. I 've reported this agency to you before.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX  XXXX XXXX {$440.00} XXXX {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX  XXXX {$200.00} XXXX XXXX {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in 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 Equifax, XXXX, and XXXX through letters I mailed to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to XXXX, equifax, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.
Product: Prepaid card

I have tried purchasing items from XXXX XXXX XXXX XXXX, all of which have been declined. 

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using funds less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts on various of other venders all than the full face value. 

Many people have reported having this problem starting this past year.
Product: Credit reporting or other personal consumer reports

Experian This is my SECOND time contacting you about these fraudulent inquiries showing up on my credit report. I previously sent you a request to investigate these inquiries and to remove them from the credit report. 

I have already contacted every creditor directly and they have no proof of the permissible purpose of the inquiries. 

Once again, let me be clear that I have already contacted every company listed and most do even not have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent inquiries immediately. 

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
Product: Credit card or prepaid card

I was billed XXXX on XX/XX/19 for an item from XXXX XXXX I later returned due to their error. XXXX initially did not have a record of my return so I disputed with my credit card - Chase Amazon Visa. Chase closed the dispute as XXXX stated they had no record of the return. Eventually I got XXXX to credit me ( payment was thru XXXX ). However, XXXX has no record of payment from XXXX although I have a detailed receipt. I re-activated my dispute from Chase providing them the receipt but they denied my dispute and have not given me a reason. I made multiple inquiries with XXXX, who said they can do nothing as Chase 's inquiry overrides theirs and in any event they have no record of the refund from XXXX at the date and time below or any other. The receipt, attached, indicated the refund to XXXX from XXXX was on XX/XX/19 at XXXX XXXX ( and 23 seconds as I learned after going to the store ), in the full amount, from store XXXX, XXXX XXXX, transaction XXXX and indicated a payment code of XXXX.
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 Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To be in correlation with the FCRA, the below list of accounts are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states that I have the right to privacy 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 USC 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 the information is inaccurate
Product: Debt collection

Alpha Recovery Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Did give out my personal information ; date of birth, last four of  my social security number, on a recorded line, without properly identifying.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Fraudulent Accounts Impact from Data Breach Dear Experian Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX data breach. After becoming a victim of this breach, I have identified unauthorized accounts linked to my Social Security number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report. 



Below are the details of the fraudulent accounts in question : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/2020 with a balance of {$3400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file is listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

citi card offer me an upgrade card from gold to platinum and as promotional I can get a XXXX XXXX to the XXXX and XXXX bonus miles to my advantage XXXX XXXX card .. The requared was that I need to speend XXXX usd in the netxt 3 months .. I did spend XXXX in one month and paid in full .. I have been calling for the last 3 days about my miles and no answer about it ..they keep giving me no answers and keep me over the phone fo rmore that 10 minutes .. I spoek wiht XXXX on firday XXXX/XXXX/2016 XXXX request to speak to a manger and her answer was .. sorry there is no manager at this time ... can you imagine the band costumer seervice .. the offer me something and they dont want to give me that .. I need to know where are my XXXX miles
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX  and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX  with a signature that does not belong to me and XXXX XXXX  transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXX Balance {$120.00} Past due {$97.00} In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX Reported Balance of {$440.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY