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

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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

During XX/XX/XXXX, I ordered home security devices through XXXX XXXX XXXX. The purchase of the devices used in the home security system were purchased through XXXX using an installment loan offered through XXXX XXXX XXXXGreenSky. The payment terms of the agreement were 12-months same as cash with no minimum payment, but payment must be made within 36-months. I think that in XXXX of XXXX, Greensky began reporting negative entries on my credit reports. I made a payment of {$110.00} on XX/XX/XXXX in an attempt to resolve the credit entries. Then sometime during XXXX and early XX/XX/XXXX they reported the account as written off. I made a payment of {$480.00} on XX/XX/XXXX. As of XX/XX/XXXX, payment was paid in full. 

GreenSky refuses to remove the negative entries from my credit report. I have repeatedly requested that either GreenSky remove the negative entries. In response to my inquiries XXXX and those of the credit agencies ) GreenSky has stated that they have properly reported the account to the credit agencies. I think the negative and late payment entries are inappropriate, inaccurate, and should be deleted given the following : ( XXXX ) The note is 12 months same as cash, but no more than 36 months. Thus, as long as the note is paid in full prior to the 12-month period, it will be considered to be paid in full and on time. I paid off the loan within the 12-month period. Therefore, all payments should be considered on time. ( XXXX XXXX My understanding is that the loan agreement does not provide for minimum payments. This is evidenced by how GreenSky ORIGINALLY reported the loan to XXXX as GreenSky reported the amount owed was {$0.00} per month. Obviously, if I owe {$0.00} per month, I can not be delinquent if I pay {$0.00} per month. ( XXXX ) Additionally, I made a payment of {$110.00} on XX/XX/XXXX. Even assuming mandatory minimum payments, this would have brought my account to full so that all amounts were paid on time. ( XXXX ) Furthermore, I made a payment of {$480.00} on XX/XX/XXXX XXXX payment receipt attached ). As of XX/XX/XXXX, payment was in full. 

I have also requested GreenSky provide me with a copy of the loan agreement. However, GreenSky has not provided me with a copy of the loan agreement or proof of mailing of the loan documents to support that the amounts were past due. 

I also contacted the credit reporting agencies regarding the incorrect reporting of the information. They reported that GreenSky " confirmed '' information was correct but did not provide any supporting information. 

In performing research, my understanding is that GreenSky participates in predatory lending practices as a result of their business model. Although they provide interest free loan terms. However, if they claim that your account is delinquent or not paid in full during the introductory payment period GreenSky charges all accrued and uncharged interest on the account.
Product: Credit reporting

The reason I am complaining against sage stream is because I have on several occasions requested for my file to be frozen and they have not frozen my file or responded to my request. I need my file frozen.
Product: Credit card

There was a Billing Error incurred on my XXXX XXXX XXXX account on XX/XX/year> in the total amount of {$370.00} from reseller / vendor XXXX XXXX XXXX comprised of : {$320.00} in goods not delivered, and {$57.00} in goods not agreed i.e. XXXX items that I felt were misrepresented on the website however I havent been granted an opportunity to return them for a refund. 

Based on everything that I have witnessed during the past year : XXXX. In conducting their ( ongoing ) investigation of a billing error notice alleging the non-delivery of property or services under XXXX ( a ) ( XXXX ), Synchrony has repeatedly denied ( or at a minimum attempted to deny ) the assertion without conducting a reasonable investigation to determine that the property or services were actually delivered, mailed, or sent as agreed. As outlined in this report I have contacted XXXX  myself, obtained concrete evidence of non-delivery and submitted this to Synchrony along with a XXXX reference number. They have seemingly never contacted XXXX  themselves and have never made any effort to explain to me why they are unwilling or unable to refute, or even merely address, the evidence that I have furnished them straight from the XXXX XXXX. 

XXXX. In conducting their ( ongoing ) investigation of a notice of billing error alleging an unauthorized transaction under XXXX ( a ) ( XXXX ), Synchrony has failed to properly offer any sort of recourse to this issue after I submitted evidence that I attempted to initiate a return on XXXX of the items that were delivered to my address. XXXX XXXX XXXX ( XXXX ) ceased communicating with me after I had offered to send back the items while paying return shipping at my own expense. This was immediately explained to Synchrony when I initiated the dispute, yet XXXX only proposed solution regarding resolving this problem thus far is to contact the seller to deal with it myself which I would be happy to do if the seller was still being communicative.
Product: Credit reporting or other personal consumer reports

See attachments Ive recently checked my credit report and noticed some inaccurate accounts reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation.

Sec. 602 " I have a right to privacy ''. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account XXXX : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXX FL XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting some personal information - INCORRECT 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 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 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 my XXXX  report there is a closed account with huge amount of missed payments. SANTANDER CONSUMER USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed below XX/XX/
Product: Credit card or prepaid card

I looked at my XXXX credit inquiries and noticed an AMEX inquiry created on XX/XX/2021 for an application of new credit. I Immediately on XX/XX/2021 put a Fraud Alert and froze all 3 of my credit companies ( XXXX XXXX, XXXX, XXXX ). This morning on XX/XX/2021 I had AMEX search their system for an application with my phone number and SSN #. The wrong phone number was attached to a credit application with my SSN, this application was marked as fraud and the request was rejected/deleted from their system along with a request to remove the inquiry from my credit score. 

A second credit opening request was made at XXXX XXXX on XX/XX/2021 and this was marked as fraud without my knowledge and removed from my credit score. Location of the bank is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was called and they too marked this as fraud in their system. All of this occurred without my knowledge and I was informed of the process by XXXX XXXX on XX/XX/2021 As I said my credit is now frozen because someone is making numerous, and very recent attempts to take credit out in my name. The only incident that stands out for when/where my social may have been leaked is through the Texas XXXX site after requesting a change of address on my drivers licence. That request was placed on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw three medical bills reporting from XXXX XXXX for XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$660.00} ; one account from PARAMOUNT RECOVERY SYSTEMS from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of prison and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
Product: Checking or savings account

We had a freeze on a Merrill Lynch account that held our XXXX and XXXX XXXX  XXXX. 
The freeze was on the account through XXXX. 
This is an estate account for my late mother that passed in XX/XX/year>. 
We contacted Merrill Lynch on XXXX, to upload documents to extend the hold and we were notified by a team member that there was no money in the account. This was at XXXX XXXX  on XXXX. 
We have left messages with XXXX XXXX, XXXX XXXX XXXX and are awaiting her response.
Product: Debt collection

Conn credit card continually about an account that is not mine. They 've been told numerous times they are not contacting the correct person. I changed my number because they were calling XXXX times per day. Now they 're calling the new number.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. 6 from XXXX XXXX and 2 from XXXX XXXX. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( XXXX ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt attention to this matter. And accordingly to fcra 15 usc 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. The accounts is question is XXXX  XXXX and XXXX XXXX XXXXXXXX I need both accounts deleted and credit report updated
Product: Debt collection

XXXX XXXX {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XX/XX/XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Product: Debt collection

Recieve a text message from XXXX We have an offer that we wanted to share with you : XXXX  Amount : {$470.00} We request that you review this offer by : XXXX You can review this offer by visiting XXXX? XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. We are willing to accept this offer to resolve your account for less than the full balance. 

Please take a moment to consider this offer and know we're here to help you navigate to a resolution. Discuss it further with our team by replying or calling XXXX during our business hours. 

This message is from Spring Oaks Capital , LLC and is related to your account, originated by XXXX XXXX, now owned by Spring Oaks Capital SPV , LLC. 

Click here for important disclosures XXXX XXXX XXXX. Reply XXXX  to opt out. 

I never had any loan with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the same account on my credit file three times, because it was fraud due to identity theft. Someone has been using my credit on and off for over 7 years. Equifax investigated it but did not remove it, saying that it belongs to me, but did not give any reasons or any proof. There are no reasons, because under [ 15 U.S.C. 1681c-2 ] : (  A ) the information was not blocked in error and a block was not requested by the consumer in error ; ( B ) the information was not blocked, or requested to be blocked by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; ( C ) the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

I filed a complaint against them for not removing the account with the CFPB- COMPLAINT ID XXXX on XX/XX/2019. Equifax re-investigated the account, and just came with the same conclusion that it belongs to me. With no evidence or reason. I have had enough, and am ready to bring my own civil action against this company for violation of section 607 ( b ), if it is not removed within the next 14 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for TransUnion. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed from TransUnion
Product: Credit reporting or other personal consumer reports

I have been violated by the XXXX, XXXX and Trans Union reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with XXXX XXXX As well. I have already sent XXXX XXXX an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand XXXX, XXXX and Trans Union to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXX. The card was placed as an account on XXXX XXXX. How does that even make sense. I have pictures to prove this.
Product: Credit card or prepaid card

I have been using this company since XX/XX/2022 when i first started with XXXX XXXX and my bi weekly checks are always deposited on time by XXXXXXXX XXXX XXXX  on XXXX. The check was not deposited yesterday and have tried frantically to have corrected by the company but they refuse to help. I have a direct deposit of {$910.00} which they now have of my money and I want the money located and deposited to my account immediately. This company has no right to withhold my money. Have also contacted by employer to stop any further direct deposits and to get more information on the direct deposit to see if they can aid in recouping my money from my payroll check. This company does not care about their customers and does not answer emails or respond to calls. I want my payroll money and will escalate this to further agencies if needed.