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

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. The following accounts need to be removed : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I want to make it clear that I am not playing games here. I genuinely believe that I am a victim of identity theft. I've provided you with all the evidence, such as my FTC report, and it's disheartening to feel like you're suggesting I made a mistake or lied. I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and Experian have already removed these accounts from their records due to their inaccuracy, so I'm left wondering why you're still reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown inquiries on credit report
Product: Student loan

Student loans occurred in XX/XX/1998. Once repayment was set up by Sallie Mae payments were made although sometimes sporatic, then year after year on renewal only forebearance was offered. Struggling to build a business in small town in XXXX was rather tedious. Payment books would come in one amount, then another book with different amount with no logical amounts and no options. Upon another renewal time, my Power of Attorney was contacted stating that an Income Driven Program ( IDP ) might help me and docs were sent to my POA via fax, completed, signed by me and returned via fax and mail. However after approval and payment of a lower amt was made, statements the following months were more money and again the following month higher payments. My POA has tried to resolve docs and payments, but nothing from Navient other than " must talk to you first ''. Past years the Servicer would send the docs to my POA 's office and by regular mail, but now Navient has refused to do so stating WE MUST TALK FIRST. My feeling is to go back to forebearance. They are also stating that my evidence of income was never sent which is false, and currently I am under a forebearance, but I have a statement/letter stating " I am currently on an IDP plan. Florida A.G. Atty Office was contacted to join in the lawsuits as other states have done but I think they have closed their file as no correspondence has been sent to me. Navient has not sent the A.G. docs as A.G. requested and I signed an authorization but Navient refused to accept it.
Product: Checking or savings account

I sent a check to a vendor via mail. Somehow someone else intercepted the check and deposited it via a phone app into their account. after months of filing claims and paperwork the depositing bank has now denied the claim. It is a stolen check and yet I have to pay for both banks failures. This is not acceptable the banks involved are Chase Bank and XXXX XXXX XXXX  The check amount is $ XXXX and because Chase has not received a reply back from XXXX XXXX they are closing the claim. Money was stolen from me and no one will do anything other than send a letter and call it a day. When I spoke with XXXX XXXX they informed me that they will not accept any emailed documents and the request need to be in writing. Chase has sent the information to a different mailing address and has not received a reply so the issue has closed.
Product: Payday loan, title loan, or personal loan

Hello, I opened an account with Synchrony Bank XXXX XX/XX/2022 to pay for a XXXX compact tractor. I received my first statement on XX/XX/2022, and attempted to pay my first bill online. After not being able to locate my account on the website, I called the Synchrony customer service number listed on my statement ( XXXX ). There were no options to discuss my online account with a real agent, and the only payment options were via phone or mail. I called two other Synchrony service numbers ( XXXX and XXXX ) and each time, when the customer service representative could not locate my account via account number, I was asked for my full, 9-digit SSN over the telephone. I consider this a major breach of data and privacy on an unencrypted phone line. 

I eventually was connected to a customer service agent on the original service line, and she explained there is no secure online portal for servicing my account, and that I may only pay via phone or mail. In 2022, it is unacceptable for a financial institution as large as Synchrony to allow ONLY unencrypted and insecure payment methods like this. These accounts are a walking time-bomb for a data breach or identity theft. 

I made a payment via phone to avoid a past-due account, but do not with to continue making payments via unsecured means in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCOUNT XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!
Product: Mortgage

StearnsXXXX acquired my mortgage 2 weeks ago, after it was sold twice from a re-finance 2 months ago. Last week I received both the package about this acquisition AND a dunning phone call that my payment was late!! How can any payment be late when only 4 days elapsed on receipt of information on a newly-acquired account? To worsen this situation, I followed the provided instructions to set-up my new account to make online payments BUT the needed field to click and complete this does n't appear anywhere on the web site. Soooo - I 'm unable to make a fast and timely online payment because the company 's web site lacks the fields to do this yet I 'll continue to receive dunning calls that my XXXX payment is late even though this company acquired my mortgage only 2 weeks ago. I ca n't go into their office since it 's several hundred miles away so paying in person is not an option. Is n't this harassment? Is n't this unethical? Is n't this an unfair business practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX : {$180.00}, XXXX XXXX  XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I was called repeatedly from approximately XX/XX/XXXX through XX/XX/XXXX by XXXX XXXX and XXXX ( also referred to themselves as XXXX XXXX and Associates at times ) to collect a XXXX year old {$1000.00} college credit card debt that my wife and I are 99 % certain we paid when we married 12 years ago but do not have records that go back over a decade. They initially left voicemails that someone 18 years or older needed to be at my house in person to sign for legal papers and when I returned their call they threatened that if I didnt pay they would put a lien on my property, file a civil lawsuit, and negatively impact my credit score by reporting a default. When I called, they tried to get me to verify personal information ( they had correct previous and current addresses and the last 4 of my SSN ) which I declined to confirm but they said they knew it was me and gave me a credit card number and told me to verify it through my previous creditor which I am currently taking steps to do. They eventually sent me an email with a final demand letter for payment or settlement by XX/XX/XXXX or else legal action will be taken. They are not registered with the XXXX and have countless negative reviews when I googled their company stating that they were fraudulent and others had received similar calls. There is very little information available on their website other than a way to pay by credit card. They state on their website that their address is XXXX XXXX XXXX XXXX XXXX, Mass XXXX which reviewers stated that it was actually a XXXX Store.
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. 

Account name : XXXX XXXX 1. XXXX XXXX XXXX, Reference # XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX  {$470.00} 2. XXXX XXXX XXXX, Account number # XXXX Original creditor : XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX, XXXX {$2200.00} Reference # XXXX 4. XXXX XXXX XXXX XXXX  Acct # XXXX {$780.00} 5. XXXX XXXX Acct # XXXX {$1100.00} 6. XXXX XXXX XXXX  XXXX Acct # {$2500.00} 7. XXXX XXXX XXXX  XXXX Acct # XXXX {$1000.00} 8. XXXX XXXX Acct # XXXX {$1800.00} 9. XXXX XXXX Acct XXXX XXXX {$350.00} 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of the unverifiable accounts found on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX988778XXXXXXXXXXXXXXXXX Balance : {$450.00} ; DEPT OF ED/XXXX988778XXXXXXXXXXXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX Balance : {$240.00} ; SXXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$280.00} ;
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I am not familiar with them. I have asked the CRAs for debt validation ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC report complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, and a copy of the XXXX report showing my information has been exposed in a national database and a validation of debt letter.
Product: Money transfer, virtual currency, or money service

I make regular transfers with the company called " Transferwise '' usually with no problem and within minutes from my bank in the United States to the XXXX. But, on XX/XX/XXXX a unauthorized transfer of {$150.00} USD was debited from my US account and was never transferred. I made a fraud report today ( XX/XX/XXXX ) with my bank in this matter but Transferwise has not replied to my messages. I also recently made another {$150.00} transfer on XX/XX/XXXX that was for some reason delayed which is usually not normal. Due to the delay I cancelled it but they still debited my account and are stating that they did not receive the money but when they do it will be refunded. Both cases are very suspect as usually they transfer the cash almost immediate before they even debit my account and sometimes that takes a few days. I suspect fraud in both cases
Product: Credit card or prepaid card

I have wellsfargo credit card. 

Last month I had same balance and charge less for so called " interest fees ''. 

On XX/XX/21 Wellsfargo charged INTEREST CHARGE ON CASH ADVANCES {$78.00} now this month they charged on XX/XX/21 INTEREST CHARGE ON CASH ADVANCES {$96.00}. 

They can not pick and chose whatever interest fees they want. In addition last month my balance was more and they charged less. 

This predatory interest charges. 

Please see attached so you can see the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and SSN card for identification purposes to continue the investigation of this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to Experian XXXX and XXXX. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted Experian, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, Experian has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( XXXX XXXX XXXX XXXX ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to Experian, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. XXXX XXXX
Product: Debt collection

As of the date of this letter you XXXX XXXX  /Target XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to XXXX. Ocwen Loan Servicing has submitted fraudulent documents to XXXX  in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest Ocwen Loan Servicing will be submitted. 

XXXX  allegedly conducted an investigation with XXXX XXXX XXXX. XXXX  was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest XXXX  credit reporting will be submitted.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to Equifax concerning inaccuracies on my credit report. Despite my efforts to correct these errors, I have not received a proper investigation or response from Equifax. The disputed accounts continue to be listed on my credit report, which is negatively impacting my credit score and financial opportunities. This lack of action by Equifax is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate disputes and ensure the accuracy of the information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) XXXX XXXX XXXX from Mercedes-Benz ( MB ) : 1 ) MB attempted to charge {$600.00} maintanance fees during lease at service.

REFUSED to pay.

2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX XXXX cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised MB Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from MB statment, owed for 2 tires and end of lease cost, total $ XXXX. 
5 ) Phone call to MB SF Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with SF Mgr who sent another statement 2 tires removed MB Financial added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay.

6 ) MB Financial XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days.

7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from MB Manager not received.
Product: Debt collection

There was some credit card transaction which occurred on the XXXX credit account in XX/XX/2021 which were not authorized my me. I have contacted XXXX at the time of the transaction was known to me. It was rectified and settled and removed from my credit account.. 
Now Calvary portfolio credit service debt collection agency have reported the debt back onto my credit account. 
Please remove account and account debt off my credit account..
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, # 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request that I sent to Equifax and XXXX XXXX on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.