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

Most recent attempt to get erroneous information not accurate removed from my credit report. XXXX continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

Lexis nexis continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my lexis nexis file that they refusing me when my identity has been verified. Its been more than two years since I have been provided access to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experian Department XXXX XXXX XXXX XXXX. I am a victim of identity theft, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.
Product: Credit card or prepaid card

On XX/XX/XXXX all four of my capital one credit cards were restricted. I contacted capital one to see what the issue was, and I was transferred to the fraud department and told that I needed to provide proof of all my authorized users that are on 1 of my four credit cards. I was told to provide a front and back copy of their driver license and a copy of their social security card. I uploaded everything on the upload portal as requested. Unfortunately, the portal only allowed certain sized documents to be uploaded so I was concerned about whether everything was uploaded successfully or not. After calling to confirm that everything was successfully uploaded, I was told that it would take 7-10 days to process this information and was then told that I would be contacted if any additional information was needed. I was never contacted and every time I called the company about the status of my " case XXXX '' I was given different responses. One person told me that It was still being investigated and to try calling back. Another person told me that all of my accounts were closed for violation but was unable to provide me any details about the violation. The last time I spoke with someone I was told that a case manager would contact me regarding the status of my case. I have not heard anything from anyone. Yesterday, I received an alert from XXXX XXXX, and XXXX saying that all four of my capital one accounts were closed by the creditor. I'm beyond confused and highly upset that adverse actions were taking on me for just adding close loved ones to my account in efforts of teaching them how to properly use and manage credit cards. I've been a customer with capital one since XXXX and feel blatantly disrespected. I also don't understand why all of my accounts were closed without justification.
Product: Checking or savings account

I have a Traditional IRA account with Synchrony bank. In the past few months, I tried to move out my funds from Synchrony with no luck. 
- Tried to send it to XXXX in XXXX, they send a check, and then they put a stop payment on it. 
-tried to transfer $ XXXX to XXXX bank in XXXX, and nothing happened, I was told by Synchrony they never received the documents, while XXXX had faxed confirmation to synchrony. 
-tried to transfer funds to discover with no luck ; Synchrony said they have never received the funds. 
-in a most recent case, on XX/XX/XXXX, I request XXXX to transfer my entire Money market account from Synchrony ; they faxed the paperwork to Synchrony on XX/XX/XXXX at XXXX pm ; since then, I tried to have synchrony wire transfer my funds, and I was told my synchrony that they received the paperwork on XXXX, but the paperwork dose does not have " signature guarantee, '' and they can not transfer my money when I reached out back to XXXX XXXX they said they send the docs with " signature guarantee, '' and they provided it to me, I uploaded the paperwork on XX/XX/XXXX with '' signature guarantee '' again in synchrony bank portal and reach out to them I was told they can not transfer my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX retaliated on XX/XX/XXXX after a complaint had been filed and XXXX  allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in XX/XX/XXXX, XX/XX/XXXX. The debtor XXXX XXXX is pursuing me out of spite and malice.If I could have afforded to pay the XXXX bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that XXXX XXXX XXXX XXXX should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. XXXX has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a dozen times with different amounts when the aggregate of that account should have been used once.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and Noticed Unauthorized Fraudulent inquiries, Inaccurate accounts and inaccurate addresses on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.
Product: Credit reporting 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 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 has violated my rights. Or list of inquiries 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: Debt collection

I have been harassed by Berlin-Wheeler, company address XXXX XXXX XXXX XXXX KS XXXX, phone number XXXX, after requesting no further calls. I notified their representative XXXX XXXX about 2 weeks ago ( today is XX/XX/2019 ) that I am homeless and unemployed, having been let go from my last position after missing work following my XXXX being XXXX at her daycare, and the health and mental health care she needed, and my need to attend court hearings regarding the matter, which took me from my duties at my position for 8 non-consecutive days. I am pursuing a civil case against the daycare, and considering contacting the XXXX regarding the questionable moral decisions and possible discrimination on the part of my previous employer. I told this collection agency of my situation, and that I was looking for work, and I would be able to view their account regarding an outstanding balance from XXXX XXXX for the approximate amount of {$110.00} on my credit report, and settle when I was able to find employment. I asked them to note it on their account for me, so that I could focus on re-entering the workforce, instead of being upset over collection agency calls, perpetuated by circumstances that I had no control over, and have been deeply distressing. 

On XX/XX/2019, I received another call from them, to my recollection the third or fourth call ( I had received calls prior to speaking with XXXX XXXX, but do not have the dates ). I spoke with XXXX XXXX, explained to her the nature of my grievance, and asked her for the companys information. 

I dont want any additional calls from this company, and find their repeated insistence in harassing me, after having explained my circumstances, my willingness to settle upon finding employment, and my desire to be left in peace for the time being, both disappointing and repulsive. I dont often file such complaints, but I feel this company has crossed a line ; Im not asking for anyone to lose their job, or be reprimanded by this company, but a written apology or simply not getting any more calls would be enough, as I am already knowledgeable about my delinquent accounts, and have had my stress level greatly increased during a time I should be able to use to care for my victimized XXXX year old.
Product: Credit reporting or other personal consumer reports

Sent letter ( written : XX/XX/2023 + XX/XX/2023 ) to Experian requesting for original contract which should include a signed agreement whether that be from original or third party lender. This information was not received, even after 'Disputed Results ' The Person ( XXXX XXXX XXXX  ) did not have my address, it seems that they've had another address that I'm not associated with ( called USPS to inquire and picked this mail up, ) then sent a letter to my home address which became an invasion of my privacy after inquiring information with Experian instead of unauthorized lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered in XX/XX/XXXXXXXX  that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXXXXXX  for my mortgage with XXXX XXXX XXXX XXXX. 

At that time, I had a XXXX XXXX that required that I be XXXX  for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX  at multiple and extended periods between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX  as the mortgage servicer that I was experiencing a COVID-19 hardship and other complications caused by a XXXX diagnosis and subsequent extended hospitalization. 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the XXXX XXXX, I had an on-time payment history with the XXXX XXXX  XXXX XXXX  since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX I began a 3 month trial period after being approved for a Covid Loan Modification. After the last successful payment in XXXX of XXXX, I was told a Notary would contact me to come to my home and have me sign paperwork for the new modification. I hadnt heard anything for a couple of months, so XX/XX/XXXX I called Rocket Mortgage to inquire about the Notary. I was told my paperwork was just received the day before and that they were working on things. I called again on XX/XX/XXXX to inquire about the Notary. I was told they were still working on my paperwork. XX/XX/XXXX a Notary texted me to make an appointment to come have me sign the paperwork. She mentioned my Fathers name and I stated he has been deceased for a few years and should no longer be on any paperwork after I sent in his Certificate of Death. She contacted Rocket Mortgage and they told her to cancel my appointment while the paperwork is corrected. XX/XX/XXXX another Notary contacted me and mentioned my Fathers name as well. I told her what happened the prior week. She contacted Rocket Mortgage and was also told to cancel the appointment while they corrected my paperwork. In the meantime, I had not received any phone calls, text messages, or letters from Rocket Mortgage. On XX/XX/XXXX a third Notary contacted me. I asked her were any other names on my paperwork and she stated No, so we made the appointment for me to sign the modification on XX/XX/XXXX. On XX/XX/XXXX I called Rocket Mortgage in front of the Notary because my paperwork stated the Next Payment Due was XX/XX/XXXX. I inquired as to how am I signing paperwork on XX/XX/XXXX thats asking for a payment the month prior. I was told by the Account Resolutions Department that I was well aware my first payment was due in XXXX. I told her unless they were going to pull up recorded phone conversations, to please not tell me what I was told or should be aware of. I ended the call and placed another call to Rocket Mortgage thinking I would speak to someone else who understood what resolution meant to no avail. How would I know when to pay when Rocket Mortgage fumbled my paperwork several times? How would I know what amount to pay when I paid one amount during the trial period that was totally different than the amount on my paperwork I finally received on XX/XX/XXXX. I told them I would be making a payment on XX/XX/XXXX and I did. In the meantime, Im receiving paperwork speaking of FORECLOSURE. I contacted a HUD Agency Counselor to get a better understanding of my rights and was given this link to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

inquires all need toXXXX be removed from my credit profile it is hindering my ability to work. also false info. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ( a ) One-call fraud alerts ( XXXX ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than XXXX year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title. 



XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I first became aware of unauthorized inquiries on my credit report during a routine check. 

I submitted multiple dispute letters providing all necessary documentation to prove that I did not authorize these inquiries. 

Despite my repeated attempts, the unauthorized inquiries remain on my credit report. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved withinthe exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assistance to remove these fraudulent inquiries in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These late payments don't reflect my regular payment record.
Product: Money transfer, virtual currency, or money service

So opened up a PayPal account they my good friend sent me an amount for personal use. It was received on PayPal but was pending or on hold for reasons. I waited 3 days or so then woke up this morning with an email saying I'm permanently limited or disabled. And can't no longer access my account send withdraw or get the mo I urgently need from PayPal. Rather now will have to wait for 180 days before they will refund which is not my fault for the error of disabled without an explanation. I really need that hard earned money from my account.