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

I am a consumer, I am identified in the FDCPA under 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), the fair credit reporting act is intended to ensure accurate and fairness of credit reporting pursuant to 15 USC 1681 ( a ), pursuant to 15 USC 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am aware that you have assumed a vital role and that you are not a part of government, nor a political subdivision. 
I am a victim of fraud and/ or identity theft. I have not consented to, authorized, nor benefited from the following accounts and inquiries. Block and remove remove the accounts and inquires from my consumer report within four ( 4 ) days pursuant to 15 USC 1681c-2. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}, UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}. The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports.
Product: Debt collection

The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. 
XXXX XXXX Acct # XXXX I have attached my credit report from both XXXX and Experian and each one have very contrasting payment history. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting
Product: Payday loan, title loan, personal loan, or advance loan

I was making payments thru the One main App -- - got behind back in XXXX and XXXX and started making extra payments in XXXX and XXXX. On XX/XX/XXXX my OneMain app was turned off so I tried to call the XXXX number to make a payment- it was rejected, Monday XX/XX/XXXX I went to another office in XXXX and it was rejected and the branch XXXX looked at my account and made a phone call. After speaking to someone on the phone she handed it to me and it was account recovery/reposses. 
-- - Before filing a complaint with XXXX complaints I had to reach out and speak to someone within XXXX so I wrote a letter and immediately got an email from XXXX XXXX and an XXXX number to reach her at. From XX/XX/20 to currently it has been a game of phone tag. My credit report started getting reports for missed payments which had a negative impact on my rating to all XXXX credit bureaus. 
-- - its XX/XX/XXXX and the vehicle is still in my possession and I was so scared of repossession I got another vehicle. 
-- - I have screenshots of my app denying me access to make payments.
Product: Credit card or prepaid card

I said i was guaranteed approved on credit karma for a credit card, i already dont have the greatest credit so i didnt want a hard inquiry for no reason. I definitely wasn't approved
Product: Credit reporting or other personal consumer reports

All three credit bureaus have inquiries that I did not do. They are from a car dealership. I do not have a car and did not request for one- my husband did and used his credit. Not only did they do that but they continued to call me after I stated on the calls that i did not authorize them to do this and they continue to send me letters regarding that I am " pre-qualified '' for. They are all in XX/XX/year> and have auto on them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/NXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX XXXX Please delete these accounts immediately.
Product: Checking or savings account

I live in XXXX and have continued issues with being able to us my card internationally. They have blocked my card on my pay date atleast XXXX times because they say they have to identify me. It takes days and weeks for them to let me access my card. They give the same excuses over and over again ... saying the card wasnt " XXXX listed '' or set for " international use '', or information was done incorrectly. My situation now is that I lost my card and they will still not unblock my card for 19 days. The first 10 days, they would say it would be XXXX hours, using the excuses I said above. Then 4 supervisors each, said that the information was input incorrectly. Now, I have a new deposit as of XX/XX/2022 and I haven't been able to get through for 4 days. You just get a message, saying they are experiencing a high number of calls and to call back later. I am scared, terrified and suicidal here in XXXX and I cant get any further help from the US and my cat might die because I dont have money to take her to the hospital. Please, please allow me to use my card... I am begging you. I have never had fraud on my account. Please!!!!!!!!!!!!!!!!! 
Note : I am in XXXX XXXX, XXXX and it did not allow me to put in info correctly. 
XXXX Va XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that XXXX, XXXX and Transunion have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16 * XXXX * XXXX XXXX Thank you, XXXX XXXX
Product: Checking or savings account

For years ending in 2011, we had problems with Wells Fargo in regards to unfair fees being charged. We also had a mortgage with Wells Fargo and feel we had to unfairly be forced to have a short sale. 


Names are : XXXX and XXXX XXXX XXXX and XXXX Thanks and please advise.
Product: Debt collection

I switched cell phone carriers early XXXX from XXXX to XXXX  some Month later XXXX came back with a residual amount of XXXX I disputed this amount and asked for quantification after reviewing the info I paid the residual amount XXXX on XX/XX/XXXX. 
I have spoken to the collection agency on XX/XX/XXXX and asked why am I being harassed over this matter since it has been resolved. XXXX the supervisor assured me that this is resolved but I am still receiving phone calls both at home and on my cell phone I have received 17 calls from them between XX/XX/XXXX thru XX/XX/XXXX many of which are hang ups or with know one answering.
Product: Student loan

Currently paying around {$500.00} per month for the past 3 or more years. My loan has a co-signer my dad who has since become XXXX. The 3 loans are in forbearance as Im still attending school. I have never missed a payment yet the principle on the loans keep rising and Ive sent them thousands upon thousands of dollars What is the company sallie Mae doing with the money I have sent them for over 3 years, as the saw and n television the other night they are vacationing in Hawaii on my money. I contacted them about 1 year ago because they told me when Im out of school my payments would be over {$1000.00} per month which is impossible for me to make and was told that was how much I had to pay like it or not. I would like to know where all my monies paid have gone towards as I feel like I Am dealing with a loan shark and I would also like to switch companies to one which will accept my $ XXXX monthly payment as that is what I can afford. Sallie Mae is horrible to deal with. Please help
Product: Debt collection

Synerprise is attempting to collection on a debt now owed. The XXXX XXXX were not provided to the patient. Synerprise has failed to properly validate amounts owed. In any any event, there is no charge-off. 

Synerprise responded to a prior complaint by pretending that it had no knowledge of the complaint. This practice is INTENTIONALLY DECEPTIVE AND MISLEADING. 

Reference information for the collection is contained in the attachment. 

If the collection account is not immediately removed, complaints will be filed with the Texas Attorney General in a class action manner. 

You may contact counsel at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. 

After reviewing my consumer report, I noticed that there was a hard inquiry on my report which I did not authorize. On XXXX XXXX, TransUnion posted a hard inquiry from XXXX XXXX XXXX XXXX to my consumer report ( See Exhibit A ). Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to TransUnion to furnish a hard inquiry to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for this hard inquiry to be reported, it is identity theft and has to be deleted. TransUnion also allowed XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by TransUnion ( before furnishing the information ), this hard inquiry should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent TransUnion a remedy letter, a notarized affidavit of truth, an invoice and a supporting document which they received on XX/XX/2021. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report.
Product: Credit reporting

XXXX is reporting inaccurate information on my credit file. I submitted a dispute to Experian and XXXX with regards to this matter and they are still reporting inaccurate information to my credit bureaus. I do not have any obligation to pay this company. I have requested proof of this debt from this company XXXX. As of this date. I still have not received any proof that this account belong to me. I have disputed this matter over and over with Experian and XXXX and they have not deleted this inaccurate reporting from my credit file. I am asking you for assistance in getting this matter resolved.
Product: Student loan

Navient would not let me defer my student loan and put me in default and I am on XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Experian Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXX XXXX  XXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/2023 ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms.

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I have already disputed these items with the bureaus but they did not remove them, nor prove validation.

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
Product: Mortgage

My mortgage is/was with Wells Fargo. I recently did a modification early 2016. In the meantime, while going through the modification, a new program was introduced and I inquired about it. I was told that I would be contacted if I qualify. I called Wells Fargo often to inquire because the program stated that the Mortgage company should contact YOU, by XXXX 2016, if qualified. Low and behold, Wells Fargo sells my loan and I never heard anything about the new program. I called the new Loan company and nobody knows what I am talking about. I called Wells Fargo and now they ca n't speak with me about my mortgage because they no longer service it. I asked them XXXX ( mortgage companies ), to let me know, if/why I 'm not qualified to be in the new program, Please just send me justification as to why, because I have reviewed the qualifications and my situation fits the criteria. I need to know why I have not been contacted about the Principal Reduction Program, either way, if I qualify or not. I feel caught up in the middle with nowhere to go.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX OF FIRST CHARGE-OFF Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : [ XXXX XXXX XXXX ) [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ) XXXX : ( XXXX XXXX XXXX ] ( XXXX )
Product: Credit reporting or other personal consumer reports

I called to XXXX XXXXXXXX XXXX  in XX/XX/2024 requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair reporting act XXXX accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

XXXX, Equifax, and XXXX all have listed hard inquires without my authorization.
Product: Credit card or prepaid card

On XX/XX/XXXX Chase Bank called me about a particular charge on my card. It was fraudulent and they canceled the card and said they would send me a new card. I asked them to send it to my sons house as that is where I am. I expected to have the card by Tuesday, XX/XX/XXXX, today I still DO NOT have a replacement. I can not pay my bills, buy FOOD or rent a car. I have called Chase several times and have been told it has been snail mailed. MAYBE I will have it by tomorrow. I have accrued several late fees since I don't have a card and cant pay on line, where the companies want payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that TWO listed XXXX accounts were properly investigated and resolved on several occasions ; but how is this possible if the Account Numbers, Date Opened, Number of Months ( Term ), Last Reported, Date Last Active, and the Date of Last Payment are not accurate across all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Product: Credit card or prepaid card

I did not receive credit card statements for XXXX or XX/XX/XXXX. I was not aware of this until PNC called me in XXXX to say that my cards had been suspended for failure to make payment. I called them and spoke to an employee named XXXX. He said that they had received a bill back from the post office and as a result had not sent more statements. He verified the address which had not been changed. He sent me copies of the missing statements. I immediately paid for purchases I had made excluding any late charges or interest. He told me they could only reverse one charge a year. The {$15.00} late charge was reversed on the XXXX statement. In the meantime and on all subsequent bills late charges and interest charges kept being added. On XX/XX/XXXX I spoke with XXXX XXXX. He agreed that it was not my fault that the post office had returned the mail and that he would escalate the matter and it would be taken care of. The XXXX bill arrived today. I called PNC again. I spoke initially with XXXX and then with a supposed XXXX named XXXX neither of whom could resolve the issue. There are {$69.00} in charges that was assured would be taken care of and have not. They are as follows : {$29.00} late charge ( XX/XX/XXXX stmt ), {$2.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} ( XX/XX/XXXX ), {$15.00} late fee ( XX/XX/XXXX ), {$9.00} interest ( XX/XX/XXXX ), {$8.00} interest ( XX/XX/XXXX ) Total {$69.00}. I have been a customer of PNC or one of its XXXX banks for 30 years. This is unacceptable.
Product: Debt collection

CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft Report # XXXX