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

I am REWRITING to complaint to FACTUAL DATA about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Debt collection

Synerprise Consulting Services is reporting a charge-off medical account on my credit report that I have no knowledge of. I consider this a case of Identity theft as XXXX  breached my credit information and it only appeared after the breach. I have asked both Synerprise and XXXX   multiple times to provide me detail about this account such as doctor name, full account details, medical documents with my signature, and most importantly a HIPAA release statement required by law. They have not been able to provide any paper trail leading to me to prove their case. They have only tried to verify the account using E-Oscar which has a legal history of being unreliable in court as verifying the debt. I have a right under Fair Credit Reporting and Fair Debt Collecting law to have inaccurate, unverfied information removed from my credit report. Under the FCRA, XXXX  which breached my information to begin with, is required to provide me a method of verification within 15 days of my request and they have not done so. I need this account removed from my file immediately. Synerprise is violating my rights and damaging my credit, and XXXX  is commiting willful non-compliance by not removing the information that can not be properly verified by any means other than electronic file with no backup documents or signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Say I have a debt, but this is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I am filing this compliant because Trans union Credit Bureau is refusing to start a dispute and claiming they never received my dispute letter which is a totally false. I sent this letter certified. On XX/XX/XXXX. I sent Trans union a dispute letter because these following accounts, XXXX XXXX XXXX Account number XXXX, And XXXX XXXX XXXX Account number XXXX, And XXXX  Account number XXXX, And XXXX XXXX  Account Number XXXX Are unverified accounts and violate the Fair Credit Reporting Act. CFPB please be advised that this is my 4th dispute letter requesting Trans union to disclose all information about these accounts under section 609 ( a ) ( 1 ) ( A ) i wan na see a consumer contract with my signature on it.The last three dispute  letters Trans union did not comply. I have a membership with Trans union online product which updates every 24 hours and shows when accounts are open disputes. On XX/XX/XXXX i logged in on the Trans union product online and updated the report and notice that there was not NO disputes open so I started tracking the certified letter i sent to Trans union and it showed that they received that letter on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX i called Trans union and spoke with a rep name XXXX And he stated they never received my dispute letter so i asked to speak to a supervisor which one got on the phone name XXXX he stated the same thing i also made a call on XX/XX/XXXX and they stated the same thing i also called Trans union today on XX/XX/XXXX and spoke to a rep name XXXX he stated the same thing there is no dispute letter they received so i asked to speak to someone higher then a supervisor he transfered me to someone in the United States special handling department as the rep stated and i spoke to someone name XXXX and he stated that there was not a dispute letter received. This is not fair that Trans union is not starting a dispute as i requested and someone from Trans union signed for my dispute letter because i received the certified receipt that they signed for it on XX/XX/XXXX. In 8 days makes 30 days that Trans union had this dispute letter and they never started a dispute yet this is not fair as a consumer i have the right to dispute any account thats listed on my credit file i believe that Trans union is refusing to dispute these accounts because they do not have all the creditors Original documentation that i am requesting to see and been requesting since XX/XX/XXXX. I will provide evidence the dispute letter and the certified receipt Trans Union signed when they received that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$890.00}
Product: Credit reporting or other personal consumer reports

Please remove these inquiries, as I don't have any information about them, and the company did them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BANKRUPTCIES BEING DISPUTED HAS BEEN DISMISSED AND IT IS STILL REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF THE REPORTING BUREAUS FOR THEY HAVE BEEN DAMAGING MY CREDIT FILE. ALSO REMOVE ALL THE UNAUTHORIZED INQUIRIES.
Product: Credit reporting or other personal consumer reports

I have tried to dispute loans on my account that I have no knowledge of and they have been written off and paid off charged off and they are still reporting these on my credit report. I tried to dispute with experian and equifax and nothing has happened. Its affecting my credit report negatively. 

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
Product: Mortgage

On the XX/XX/2020, I closed on a VA Mortgage Refinance with Pentagon Federal Credit Union. As part of the closing costs for the refinance, there was a {$28.00} Water Quality Well Inspection fee that was collected to pay the testing lab, XXXX XXXX XXXX. I have received two bills from XXXX XXXX XXXX. I contacted the PENFED Loan Processor, Ms. XXXX XXXX on XX/XX/XXXX after receiving two bill invoices from XXXX XXXX XXXX and told her that the bill had not been paid from the closing costs. She informed me that she would turn it over to her closing manager and that was the last I had heard from PENFED and Ms. XXXX. When I called XXXX XXXX XXXX on XX/XX/XXXX, the bill still has not been paid. I attempted to contact Ms. XXXX, but she would not return my call or email. I sent a {$28.00} Check to XXXX XXXX XXXX to pay the bill, because I did not want it to go into collection and impact my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!
Product: Vehicle loan or lease

We have been paying on this car loan since XX/XX/XXXX. We have overpaid by thousands of dollars and they agreed to not pursue any more charges on the loan ( 6000 something on a XXXX loan that started in XX/XX/XXXX ) and to send us the title last week on XXXX  XX/XX/XXXX at XXXX : XXXX XX/XX/XXXXPST. 

They claim we have paid late EVERY SINGLE TIME except for six times in the total of the loan, which is absolutely absurd and completely wrong. We have kept nearly every single letter they've sent us, including times they've claimed we haven't paid when we did and it reflects on our bank statement. From what we can tell, they charged us late fees if we paid ON the due date. Only time they didn't is if we paid 2-3 days before. 

This afternoon, ( XX/XX/XXXX ) I received a call from their number XXXX where the collection department person refused to give me their name or extension or employee ID number and where they threatened to XXXX XXXX  me or my husband if we refused for them to take the car tonight when they send a tow truck. They yelled at me when my children were noisy in the background and told me I was financially responsible to pay the rest off immediately. I ended up hanging up the call because they would not stop yelling and I refuse to be physically threatened.

I am giving Navy Federal a VERY short amount of time to get this resolved. I expect them to not collect another dime from us and to send us the title like was promised on XX/XX/XXXX at XXXX XX/XX/XXXX PST. 

After being threatened with bodily harm, we are done negotiating with Navy Federal and expect IMMEDIATE response to this or we will be suing them for emotional distress, for threats of bodily harm and for fraud. This is unacceptable and very traumatic. We will not stand for being threatened with bodily harm or lying about payment status, etc. Enough is enough.
Product: Debt collection

Hunter Warfield, Loan Claim was disputed with XXXX Credit. I have never had, any verbal or written agreement with this firm for any loan. I have never had communications with anyone at this firm for a loan or received a loan from Hunter Warfield, who refused to removed this false claim from my credit report. 

Company : Hunter Warfield : Account Number : XXXX Loan Amount : {$27000.00} Hunter Warfield XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balanced {$15000.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Product: Bank account or service

Fraudulent checks where deposited into my Chase college checking account and both were taken out my account within 24hrs even though they were both over  XXXX  meaning that it shouldve taken a couple of business days to be checked. It caused my balance to go into the  XXXX  and when I filed the claim they gave me a temporary credit. They then also said that the inqiruy was resolved. They then told me that my account would be closed within ten business days, they told me to not call back or it would reset the closing process. They did n't call to update me on the claims process so I was not informed that they need more info to officially close the claim. Instead they instead reverse the claim and told me that i would have to pay back the  XXXX . i could n't even check my account during the claims process because my account was restricted so i had complete no clue what was going on. They refused to take responsibility even though they allowed the checks to go through without the proper hold and ignored the fact that I had a college account so a withdrawal of that amount in one day was over the set limits for a college account. I think that chase tries to get over on its younger clients
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 1681c. ( a ) ( 5 )
Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Wells Fargo failed to pay for my mortgage insurance on time. When my mortgage insurance ended, they put their own insurance which was almost 3 times the amount I was paying with my insurance of choice. This made my mortgage go up to almost {$300.00} dollars more a month. When I called Wells Fargo, they insisted they could not reach my insurance company to request an invoice, and provided me with the numbers they had on file. I called the numbers and the numbers just rang. I looked up the number for XXXX and called, the call was picked up quickly. The Representative reported that nothing has changed on my account and does not know why Wells Fargo would have a problem reaching them if we had this account for 6 years and never before had a issue. I had to call an agent and reinstate my home insurance. I called wells Fargo to see if my account would be credited or prorated, they told me no. I explained to them that this is their fault and I shouldn't have to pay for them not doing their job. She said they called me and my husband about the insurance, which is a lie, because we never received a call from Wells Fargo. She also said letters were mailed to us, which is also a lie, because I had my daughter check and no letters were received. I am currently in XXXX  so all my mail is at my house in XXXX nothing has been thrown out. I do that when I get back home. I had to pay an additional {$100.00} service fee that won't be credited to my account nor will I get reimbursed for. My XXXX payment is still {$300.00} more than what I should pay and will next month because my escrow is the negative. This is wrong. I shouldn't have to pay for Wells Fargo employee not doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a data breach at Equifax INC in which all of my personal financial information may have been stolen. This will cause ongoing issues with my financial stability. They showed blatant disregard for my vital information.
Product: Debt collection

I received a notice from Convergent regarding a debt in the amount of {$490.00} that was charge-off in XX/XX/2003 ( 13 years ago ). I believe this debt exceeds the statute of limitations under the FDPCA ; however, I requested Convergent to provide proof of the debt. Convergent later follow-up with a letter stating that the debt is valid and included a record that does not correspond with the amount due ( attached ). I believe 1 ) the debt they are trying to collect exceeds the statute of limitations, and 2 ) the amount is incorrect.
Product: Student loan

I was a student of XXXX College of XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was recruited they told me I can apply even if I didn't not have my XXXX XXXX Diploma  or XXXX. I told the recruiter I felt uncomfortable but he assured me that the have a program in which I can work on getting it, as I got my XXXX  diploma. I agreed and started my new life. A few months go by and I ask about my GED classes, I was told they didn't have XXXX classes and there was an investigation into my recruiter. The next week 10 to 15 people had to take the XXXX test with out any prep, or knowledge. I passed but soon quit as I felt the collage was not right and my diploma would be worthless. I had to pay XXXX down and XXXX in loans, also used XXXX in Grants in which I have unused funds left over. I was unable to transfer, or get any info about what I should do. I did not have the internet back then and was unaware of my options. I was told I could spend another XXXX and try again. This has cost me credit scores, interest paid, tax returns being taken from me and my kids. I paid the loans off in XX/XX/XXXX. If you know of how I go about seeing if I could recoup my money in loans, and reset my grants. My number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

VIOLATION OF 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy. 

I REQUESTED FOR THE CREDIT BUREAUS, EQUIFAX, XXXX, AND XXXX TO BLOCK INFORMATION PURSUANT TO SECTION 605B ( C ) OF THE FCRA.

As per Section 605B of the FCRA requirements i provided proof of my identity, the specific information that was the result of identity theft, a copy of my complete and submitted identity theft report with the FTC and a statement that the information is not information relating to any transaction by me the consumer.

The Credit Bureaus did not comply and are in violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy. They reinserted the information and did not notify me period and did not follow the allotted time required by law.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Credit card

I applied for a XXXX XXXX XXXX XXXX in XXXX, with an offer of XXXX rewards points after spending {$3000.00} in three months. I met this requirement in XXXX and the points posted to my account almost immediately.When I tried to transfer points to XXXX of my frequent flyer accounts, I was given an error that prompted me to call their fraud department. I 've been informed they are " reviewing '' award accounts for 6-8 weeks. Not only are my XXXX points from this promotion being held, but so are the XXXX points from another XXXX XXXX XXXX I 've had for almost a year, which had nothing to do with this promotion.
Product: Debt collection

I have no idea what this debt is please provide original documents showing the validity of this debt
Product: Debt collection

On XX/XX/XXXX, I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The letter stated that I was delinquent on a loan. I was instructed to pay the amount due by the due date. If payment was not received I would be considered in default. The letter further stated that if I did not notify them within 30 days after receiving the notice that I disputed the validity of the debt or any portion thereof, the lender would assume the debt was valid. No loan information was provided in the default letter. 

I never have nor would I ever apply for a loan with XXXX XXXX XXXX, which I believe is an online payday lender. I contacted the company using the site provided in the letter ( XXXX XXXX XXXX XXXX ) using the Contact Us feature and notified them that I did not apply for loan through nor did I receive funds from their organization. The organization did not accept my notice that the debt is not valid. 
In follow-up correspondence that I received, the following information was included regarding the invalid debt. 

Customer Information Loan Information Original Amount : {$1000.00} Fee on Appl. : {$300.00} Payment Due : XX/XX/XXXX Application Date : XX/XX/XXXX Origination Date : XX/XX/XXXX While my social security number and address were correct, all of the other information provided by XXXX XXXX XXXX is not. More specifically, phone numbers, e-mail, payroll, bank, and employer information is not correct. I do not have a XXXX XXXX  XXXX account nor have I ever worked for XXXX XXXX XXXX XXXX XXXX failed to do its due diligence ( e.g., credit bureau report ) that would have confirmed that I am not the borrower. 
My situation is identical to the allegations, more specifically Collecting loan payment which consumers did not owe, noted in the action taken by the CFPB against XXXX XXXX XXXX on XX/XX/XXXX. 
I did not apply for a loan with XXXX XXXX XXXX. I did not submit any of my information to the organization nor did I sign any loan documentation. This company needs to be shut down for its inability to confirm the identity of its borrowers and aggressive collection efforts against individuals that I have not applied for credit with them.
Product: Debt collection

I have a company that is contacting me over and over again. They contacted me and obtained financial information from me. After this, I searched their phone number and found they are a scam company. They proceeded to contact a family member this morning and left a voicemail on their phone. They need to stop contacting me and my family members. The phone number is XXXX. They have a F rating with the BBB and they are not accredited. 

Jonathan C. Frank & Associates PLLC XXXX XXXX XXXX XXXX, TX XXXX They have numerous open complaints about their " law firm ''. 

BBB Rating : XXXX XXXX XXXXXXXX Complaints about them being a scam : XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

In XXXX, I made an online money transfer to XXXX through the MoneyGram services to help a family member in need, but the fund was not delivered as promised. My account was canceled without any explanation. Reference Number : XXXX In XXXX XXXX  I transferred funds to XXXX to support my mother through MoneyGram Services. Unfortunately, the fund was not delivered as promised. My account was canceled without explanation. ( See the attached transaction Receipt )