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

THE XXXX 'S XXXX  OF XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Debt collection

Began receiving excessive harassing calls pertaining to a alleged debt that I never occurred with collection agency. I asked company to provide me with a wet signature of debt between myself and agency/company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/2019 Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$560.00} **Inquiries** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with PayPal in order to receive payments from my clients XX/XX/year>. Immediately, PayPal began placing my payments in a hold status. I contacted customer service and first they said it was because I needed complete shipping. I informed them that my clients paid for and received an instant service online, tarot reading. The holding process persisted. Then on XX/XX/year> a limitation was placed on my account where I could not receive any further payments until I provided PayPal with information about my business. I did so. I was told to wait XXXX hours. PayPal then asked for additional information, which I submitted. PayPal released the limitation allowing me to continue receiving payments from my clients, but not allowed to withdraw my funds at all and some of those funds also instantly go into a holding status. It has now been XXXX hours. I have submitted everything that PayPal has asked for and made it clear that they are causing me a great hardship by not allowing me to withdraw my funds. At this point they just continue telling me to wait. I do not have confidence that they will give me access to my funds as I have seen that PayPal has a history of seizing the funds of their clients.
Product: Checking or savings account

I tried to log into my account today XX/XX/2019. USAA gave me this my online access has been restricted to security concerns. I don't know the reason for them to deny me access to my online account. I have been with USAA for over 2 years now. Now all of a sudden my online access has been restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires in my Equifax and XXXX credit report that i did not authorized. 
my identity was stolen. on my equifax report I have 6 inquiries which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you can see they are a lot or a lot of repeats that they try to get credit cards also they have me under XXXX XXXX and XXXX XXXX my last name is XXXX and I have never request credit cards loans under those identity. 
all I am asking is for those inquiries to be removed. 
thank you
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

When I struggled to repay this loan ( serviced by Navient ) after graduation, it defaulted and was forwarded to a collection agency, XXXX XXXX XXXX, XXXX in XXXX. I began making payments in the amount of {$250.00} each month without fail. To date, I have paid over {$14000.00}. I was offered a settlement by the collection agency for 50 % of the total amount - which has been paid. I have contacted Navient to discuss the resolution of this debt, and they have agreed that the {$14000.00} paid to the written-off debt is sufficient. Neither company will provide written confirmation. Additionally, Navient advised on several occasions that the co-borrower/guarantor, XXXX XXXX, would be released from his liability to the loan. In XX/XX/XXXX, XXXX XXXX was contacted by Navient and was inappropriately advised that the loan was active but past due. As stated previously, I am paying the loan on time each and every month to the collection agency.
Product: Vehicle loan or lease

In XX/XX/XXXX I applied for an automatic monthly payment plan authorization with State Farm Bank. I followed up with a telephone call and learned from State Farm Bank that the authorization was received. On XX/XX/XXXX, I received a Demand to Pay Letter from XXXX XXXX XXXXXXXX XXXX XXXX for the sum of {$21000.00}. After talking with this Agency on XX/XX/XXXX, I learned for the first time that this debt represented the auto loan which had been placed under the automatic monthly payment plan back in XX/XX/XXXX with State Farm Bank. I replied to the demand letter initially by requesting to know the origin of the debt which I disputed and suggested that possible fraud could be involved. I sent a certified letter requesting the source of the debt.

State Farm failed to give notice that my automatic payment authorization was problematic and/or payments were never received. No communication was received regarding my account. However, when correspondence was generated which was the Demand Payment Letter, it was received through regular mail. Why not the same approach regarding delinquent or nonpayment,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting or other personal consumer reports

All before XXXX today Experian has closed XXXX complaints and now emailing me about different disputes, I refuse to pay extortion money to get my real scores
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Debt collection

This is the letter I sent to CPA with no response. It explains the negligent actions taken by the debt collector. I would appreciate my name being cleared or restitution being made for the adverse effects this has on my finances " I received a letter about a collection being made for XXXX XXXX. It was actually for my roommate, but the account was in my name, so that was not your fault. The letter threatened to report to the credit bureau if I did not pay or set up a payment plan. Not wanting the hit on my credit, I decide it 's just best to take care of it myself. I call about setting up a payment plan, and am told it can only be divided into 2 payments. So I pay the first and set up to pay the second in a months time. I am told that I have complied with all requests, and as long as I make my final payment, there would be no more action taken. About a week later I relieve a letter saying that my remaining balance has been reported to the credit agencies. I confirm on a credit site, and sure enough, my credit has taken a huge hit due to this. I am in the market for a car and house and this has set me back an immeasurable amount. I believe, at the very least, the rest of my debt should be forgiven, and I would like a formal notice sent to the credit agencies that you reported to. If that repairs my credit to the previous state, I would consider the matter resolves. But such a hit to my credit would take an extremely long time to repair as well as costing me thousands of dollars. I complied with every request of yours and was still adversely affected. I would really like for you to make restitution on this matter as I do not want to have to contact further agencies about the matter. I do not believe honest business tactics were used and I will take every avenue I can to right this injustice. Thank you for your time, and I look forward to hearing from you soon. "
Product: Mortgage

From the day Freedom Mortgage acquired responsibility to service my VA loan, they have repeatedly failed to pay my property taxes correctly and/or on time. Most recently, a check they sent to the Property Tax office bounced. While the company has apparently attempted to address the issue by paying additional amounts to cover fees/interest/etc, they have failed to bring my property tax account into good standing even once. Each tax bill carrying over additional penalties and interest from the previous billing period.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Not only is this debt not mine but it also over 180 days old, & I have advised this company numerous times that this debt is not owed, however, they continue to place this on my credit report. I have shown proof of such, which was ignored the address this company has on file for me is not mine and I've NEVER LIVED THERE. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Transunion regarding 2 bankruptcies that are being reported fraudulently I have filed FTC reports for Identity theft, I have reached out to XXXX XXXX & Pacer. XXXX XXXX has removed the information & files dispute with XXXX reporting agency. You can not keep reporting fraudulently information that has been deemed fraud by identity theft. My ss #, name, was stolen & used. By the FCRA it has to moved immediately.
Product: Credit card or prepaid card

I used synchrony bank. I asked them to extend me credit of XXXX over what I have and they charged me XXXX. Within a week I sent money to close account. I realized they charged me excessively for XXXX snd want half my interest back They are outrageous Pls advise. XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank will not respond to multiple requests to provide access to a safe deposit for the executor. I have left several messages without a response. Today, the banker at their call center disconnected the call after 25 minutes, but before hanging up on my, he told me to go to another branch ( which is not the location of the safe deposit box ) to speak to someone. THIS IS NONSENSE! I had asked him to set up an appointment and declined to do so!! 

I tried to make an appoint on the Wells Fargo site. The selection to make an appointment on the site will not allow setting up an appointment for this reason : This location is not available based on the reason you identified for your appointment. Please select another location or change the reason for your visit. 

This is related to the death of my sibling and is very upsetting. Now I am waiting on the phone once again. 

I need to travel 2.5 hours to the branch at XXXX XXXX XXXX. XXXX, NC XXXX. The branch manager is XXXX XXXX and I have left messages without response. 

This is horrible customer service. 

Update 1 : Spoke to XXXX ID # XXXX. She is very pleasant, but told me that I should email the Regional Manager and expect a response within 48 hours and now being told this call will be escalated. We are within the 48 hour time window now.

Update 2 : XXXX is attempting to contact the branch, but was unable to do so while I have been on the call for 55 minutes and once again, being told I will get a call within 48 hours. I'm speechless.
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 XXXXXXXX Account Name : XXXX 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 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

The company Sunrise Credit Services called me in an attempt to collect a debt in XXXX. At that time, I told them to send me everything they had to validate the debt was owed and that I owed it. I also told them not to contact me via telephone anymore that I would handle this all through certified mail once I received their validation materials. 

I have received numerous calls from them at various numbers throughout the remainder of XXXX and the beginning of XXXX even though I ask them daily to remove me from their list of calls. I once again state I need anything they have validating the debt before I engage in any further discussions. 

Several times I was told I wouldn't receive any other phone calls from them, but they still continue. 

I asked today for the name of a compliance officer within their organization I could notify that they were out of compliance and was told " we don't have one '' and " I can help you with that. '' Finally, after being hung up on several times, I got in touch with someone who gave me the name XXXX XXXX, but when I asked if that was the compliance officer, they refused to answer yes or no.
Product: Debt collection

MY EX SPOUSE OPENED AN UNAUTHORIZED XXXX CHARGE ACCOUNT USING ALL OF MY SENSITIVE INFORMATION AND I'VE BEEN DISPUTING FOR YEARS TO GET THIS XXXX off MY CREDIT REPORT. I HAVE ALL MY AFFADAVIT OF IDENTITY THEFT TO PROVE I DID NOT AUTHORIZE THE ACCOUNT OPENING. PLEASE DELETE THIS ACCOUNT. 

THE DEBT COLLECTOR IS LNV FUNDING AND IVE CALLED BOTH COMPANIES ONLY TO BE TOLD THEY CANT HELP ME BECAUSSE I HAVE NO IDEA WHAT PHONE NUMBER WAS USED ON THE FRAUDULENT CREDIT APPLICATION! I DID NOT OPEN THE ACCOUNT SO HOW THE XXXX WOULD I KNOW WHAT PHONE NUMBER THE SCAMMER USED??! I JUST WANT THIS OFF MY CREDIT REPORT ASAP!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account that is still appearing on my credit report. Despite my previous attempts to rectify this matter, the erroneous account continues to negatively impact my creditworthiness. Furthermore, I believe that there have been violations of the Fair Credit Reporting Act ( FCRA ) in the handling of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021 XX/XX/2021 and again on XX/XX/2021 I sent a certified letter to Equifax about some unauthorized credit inquiries which are listed below, they have not responded to my request. These inquiries were not authorized by me and are fraudulent. 

Equifax XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Vehicle loan or lease

It's been on my credit and I lost some much stuff out of my car .stereo system and rent money plus purse.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE CARD on XX/XX/2016 which l have no idea about it at all.
Product: Credit reporting or other personal consumer reports

The following accounts are inaccurate and unverified. 

XXXX ) JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX, XXXX # XXXX These inaccurate accounts are doing damage to my financial well-being, and I would like them removed from my credit report