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

XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit card

Have been charged late fees since May 2016 by BP, Synchrony Bank. I pay my credit cards, online through my bank, and since we are retired and receive Social Security ( SS ) the XXXX and XXXX of each month, I pay them ahead, usually the XXXX or XXXX of the month for the next months bill to avoid late fees. I noticed the above statement for XXXX, 2016 had a late fee. I called them and they said any money they received after the due date, but still in the present month is credited to that month. They consider my payments as late, not in advance. The account was originally made by us with XXXX, not Synchrony. Since I only view my statement once in awhile, I did not realize they were doing this. First I never received a notice stating the change of companies and/or stating the change in payment rules. XXXX never required me to pay ahead in the month it was due. I always enter the date for the payment to be credited for and they obliged. How can I get help about this, since the only one I have been able to talk to is in the XXXX. I asked for a supervisor, the first time and was told I needed to get my husbands permission to discuss it any further. The second time, today, I waited on the phone at least 15 or more minutes and still no supervisor. 
Are there no banking/credit card regulations regarding this to protect the consumer from literally be robbed of funds? Please help. I ca n't find anyone at Synchrony to communicate with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed out letters for each dispute for many accounts on my report via regular standard mail. Upon checking my online portal about 10 days later, I noticed that there had never been an investigation reported and opened. SO, assuming there was a delay with the system being updated, I patiently waited another 5 days and to my shock, there was still no mention of an investigation and I had not received anything in the mail. But this comes as no shock I guess because this isn't the first time I have tried to resolve issues and went unheard before. Anyway, On XX/XX/2020 I decided to send a follow up letter certified USPS with tracking number XXXX XXXX XXXX XXXX XXXX, requesting the accounts that were inaccurate and unverified be removed. And instead of opening the investigation, on XX/XX/2020, Equifax sent a letter stating they could not locate my file, however they mispelled my last name which I believe was intentional because that is not what I sent in. Furthermore, even though my ID and W4 was included with each dispute. It seems this is always a stall tactic when they have lapsed the allowable time by law. I just don't understand why I am being denied my consumer rights per the law. 
The accounts included : XXXX XXXX XXXX {$5400.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$170.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX {$4000.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$4600.00} ; XXXX {$74.00} ; XXXX XXXX XXXX ; XXXX XXXX {$810.00} ; XXXX XXXX ; Federal Court # XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate.

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

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX - XXXXXXXX XXXX XXXXXXXX 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 this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 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 : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.
Product: Money transfer, virtual currency, or money service

FLEX FINANCE Account Number : XXXX - This charge-off account shows a {$790.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. Additionally, XXXX and XXXX already removed this account from their record due to inaccuracy.
Product: Credit reporting or other personal consumer reports

Ive spoken to XXXX. They explain to me they will not remove old debit. From XXXX or more years ago. This is effecting me buying a new car for my wife and kids. There holding up me updating my Credit Report. There holding my account hostage. I can't update address cause they refuse to let me change my address. I don't live at that address. That address is from XXXX ago. 
Ive spoken on the phone with Experian. Plenty of times. They Refuse to update my address because of XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information may have got into the hands of the wrong person as I have been a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent Experian a letter attempting to validated 3 collections accounts : XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$570.00} and XXXX XXXX  XXXX {$2800.00} and one real estate closed account from XXXX XXXX XXXX {$9400.00}. I let them know this was not mine debt and asked for the original documentation with my signature i.e. the original contract to verify this debt. Today XX/XX/2023 I was notified they have validated the debt yet they have not furnished the proof I requested. I also sent identifying documents to confirm my identity.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. Experian has neither corrected nor removed.
Product: Debt collection

I have a closed account with XXXX XXXX. They never had my billing address correct and thus I 've never received a bill. I have asked their debt collectors to send me a bill at least 5 times now. They never do, and they just keep calling. I ca n't pay a bill without actually seeing the bill, but they wo n't send it to me and just keep harassing me.
Product: Credit card or prepaid card

Letter dated XX/XX/20 denied credit. They can move credit limit over from existing cards I have with them, but they refused. Reference #  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. Pursuant to section 605B you must remove the fraudulent addresses and accounts. I've atttached FTC filings, drivers license, SSN and a utility bill to prove my identity.
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my records and do not recall authorizing this inquiry. I have not engaged in any financial transactions with the aforementioned creditor on the mentioned date, nor have I applied for credit or services that would warrant such an inquiry.
Product: Credit reporting or other personal consumer reports

The creditor has committed a FCRA violation due to reporting in accurate information! According to Section 623 of the FCRA and Regulation V that a furnisher must not furnish inaccurate consumer information to a CRA!

The creditor reported a 12 month trade line to be an opened for four years! 
The creditor is reporting that the trade line was open in XX/XX/XXXX and that it was closed in XX/XX/XXXX for a 12 month loan term. 

From XX/XX/XXXX until XX/XX/XXXX the creditor has reported no data for those months! 
Due to these violations and inaccuracies, this is also interfering with the correction timeframe of when this account should fall off my credit report according to the FCRA. 

The trade line technically should have been closed in XXXX and not XXXX!! 

Therefore, due to these FCRA violations and inaccuracies, I am requesting for this account to be removed from all credit reports!
Product: Debt collection

XX/XX/XXXX, I called to make arrangements to pay loan ( s ), because I would be able to pay on due date on XX/XX/XXXX. I was told I could not make arrangements. Account was sent to a debt collector XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries and incorrect addresses are hindering my credit and affecting my ability to get approvals and verify myself. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXXXXX Incorrect addresses : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, this account is not mine. The address reported in my file is not my legal address. 
XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/
Product: Debt collection

My total monthly payments are not accounted for towards the overall total amount I owe. I make a $ XXXX monthly payment, but the overall total amount is only {$300.00} ( give or take ) less from the previous month. When I called the debt collection agency ( EOS CCA ), I was informed that once my payment is made, the payments are directed to XXXX to be allocated amongst the loans and that XXXX is probably charging an additional 7 % daily interest rate ( yes, a 7 % additional daily interest rate ). When I called XXXX to verify how XXXX is allocating the monthly payments made, as well as, if XXXX was in fact collecting an additional 7 % interest on my overall amount. XXXX informed me that any questions that I had regarding my debt and how the payments were split among each loan, would need to be addressed with EOS CCA, because EOS CCA handles all the payments. XXXX informed me that they only receive a monthly statement of the overall loan. 

In XXXX XXXX, I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX, amounted to {$59000.00}. I was never given an overall total amount when I first was placed in collections, however, I believe the overall total amount that I owed was {$130000.00} ( give or take ). As of XXXX XXXX, even with my total overall payments from XXXX XXXX XXXX amounting to {$59000.00}, the overall total amount that was owed as of XXXX XXXX was {$100000.00}, which means only about {$24000.00} has been put into my total overall amount owed. 

When I had asked EOS CCA where the remaining {$34000.00} was and why all of the monthly payments was not fully accounted for, that is when EOS CCA referred me to XXXX and XXXX referred me to EOS CCA. 

Just as an FYI, I have kept every monthly payment reminder that I receive since being placed in collections ( except from XXXX XXXX XXXX which those payment reminders have been lost ). In XXXX XXXX, EOS CCA started to include the overall total amount that I owe, with a breakdown of each individual loan principal amount, individual interest, individual collection fee, and individual overall balance, which amounts to the total overall amount of what I owe for everything. Aside from that, there is no other documentation or summary that may explain where the remainder of my monthly payments are being distributed into.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please remove the following inaccurate items in my report : 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 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
Product: Money transfer, virtual currency, or money service

XXXX XOOM-XCOM dispute Fraud Claim # : XXXX XX/XX/XXXX Operator XXXX On XX/XX/XXXX I placed and order with XXXX XXXX XXXX  and sent money to them with XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX stating Our manufacturer notified us that this item is unfortunately on national back order. We do apologize for the issue. We will issue you a refund. A refund invoice from XXXX XXXX XXXX was provided on same day. Also, on XX/XX/XXXX received email statement from XXXX XXXX XXXX XXXX refunded {$590.00} USD from your purchase on XX/XX/XXXX. Also, the same day I transferred {$590.00} back to my XXXX account and was received in my XXXX bank account. On XX/XX/XXXX Xoom then processed an unauthorized transaction debit to my bank account for {$600.00} which I DID NOT AUTHORIZE. XXXX was contacted and a XXXX Written Statement of Unauthorized Debit was submitted and successfully determined IT WAS INDEED AN UNAUTHORIZED DEBIT. A block was placed on XOOM by XXXX preventing any further transactions. Xoom still is pursuing an UNAUTHORIZED DEBIT. Request cease and desist further action on this and dissolve collections actions for Xoom Statement requesting on XX/XX/XXXX under UNAUTHORIZED TRANSACTION RECEIPT for {$590.00}. I have all documents of this statement complaint and additional documents.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX.
Product: Debt collection

Reference No : XXXX I paid XXXX a full years worth of service in full. I told them after the first year not to renew further service until I confirmed to them. I was not satisfied with the results. They went ahead and billed me {$450.00} for another year of service that was never discussed between me and them. I told them multiple times I never renewed the service and that I won't be needing it anymore. Their call center wasn't much of help to me and just kept telling me they need payment. The local truegreen company also never reached out to me.