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

As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXX Amount : XXXX Date : XXXX lincoln Tech amount : XXXX Date XXXX XXXX XXXX XXXX  amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX mentioned below has generated my credit report without my consent. 
This agency inquired a hard inquiry from XXXX  using my personal information, SSN, Date of Birth. They did not send any notice, and I don't know who they are representing by using my personal information to get my financial background report. 

PERSOLVE LEGAL GROUP INQUIRY DATE : XX/XX/2021 CONTACT INFO : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX
Product: Bank account or service

Hello, On XXXX XXXX, XXXX XXXX sent XXXX refunds to my closed SunTrust acct. ( Amounts and reference IDs are as follows : {$260.00} Ref ID # XXXX and {$66.00} Ref ID # XXXX. ) SunTrust supposedly issued a check, or checks, in the amount of the total refund and mailed it to my old address. I never rec 'd a check. I have requested the check be cancelled and a new check mailed -or- the money be deposited into my new SunTrust acct ( preferably ). 
I have spent countless hours, receiving different information from both employees and Sups as to what happened or what needs to happen in order to receive the funds that are rightfully mine. The last time I spoke to SunTrust was today, XXXX/XXXX/15 and was told by a Sup that I needed to sign an Indemnity Form before the funds could be released to me. However, I was told a few wks ago by a diff Sup that I, as well as XXXX, need to have notarized signatures on this form. XXXX can not or will not participate in SunTrust 's request for a notarized signature. They have already done their part by issuing the refund. Also, the Indemnity Form basically states that if for any reason SunTrust decides not to reissue the money, they can not be held liable for compensation, including any legal fees I, as the consumer, may incur in trying to recover the funds. The fact of the matter is SunTrust bank has and has had the funds for over a month and a half now and refuses to release them to me. Please help. 

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

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, XXXX, XXXX  and Trans Union, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Product: Credit card or prepaid card

I am starting a new complaint because I did not include enough documentation and receipts in my original complaint and Chase Cardmember Services accepted the challenge by the merchant stating the merchant provided documentation ... which advises that the services were rendered as they should have been and no credit is due you. 

The contract for service was signed with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX 's license to do business in California as a " Contractor '' expired on XX/XX/XXXX BEFORE he completed the job.. XXXX XXXX XXXX XXXX did not follow the California laws regarding downpayments and progress payments. He never provided an invoice for the payment he demanded to my corporation, XXXX XXXX. He provided a statement of the services he rendered and the amount due him ONLY to Chase Cardmember Services and this was provided 3 months after his license had expired. The statement of amount owed him was higher than the contracted price. His invoice did not match the agreed upon amounts and he failed to provide XXXX XXXX with Extra Work and/or Change Orders for XXXX XXXX 's approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Tranunion on multiple occasions ( both via telephone and US Mail ) about removing inquiries on my report that I did not authorize. They state that they have verified them. I contacted the creditors and they said Transuion has to remove them. Transunion will not remove these inquiries.
Product: Mortgage

I am not able to get through to Newrez, the mortgage servicer on my property at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. When calling the listed phone number on their website and pressing 0 repeatedly for a human being, the system insists on only using their robotic options and refusing to get me a human before it eventually hangs up. This is terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian, XXXX Showing negative accounts on my credit report that are not in the negative please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my XXXX account on XX/XX/2017 only to see accounts and a social security number that did not belong to me. I immediately contacted XXXX of this situation I sent in my social security card my driver license and a credit card bill. it was fixed and then for me too log back into my account to see this other social security number again associated with my information. I am more than willing to take further actions and go to court to get this matter resolved.
Product: Student loan

Navient reporting 120 day late payment when I have been on required auto debit from my bank account. I have filed a credit dispute with them since I have proof that Navient misapplied my payments and I was told that they would remove the late reporting and they never did. Navient has denied my claim to remove this late reporting.
Product: Debt collection

I was attempting to settle a debt on a credit card with Commerce bank through XXXX XXXX. I submitted a settlement on the account when contacting them to check on the settlement I was then notified of a {$25.00} demand check card that is owed. I have all of my previous cards from Commerce none matching the numbers provided. And Iv been with XXXX XXXX since leaving Commerce in XXXX 2015. The dates do n't match up, and neither does the card numbers. And this was never mentioned previously to me. They could provide no transaction records or any other information to me. The lady I spoke to said she was n't aware of this account previously. And they will not allow me to settle the credit card debt without this being resolved.
Product: Mortgage

PLEASE USE THIS COMPLAINT AS OPPOSED TO CASE NUMBER XXXX. 
I added the word CONSUMER to the complaint question. 

I would like Third Federal Saving and Loan to respond to this question ONLY I am a woman ( NOT AN ENTITY ) who participated in ***CONSUMER*** CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.
Product: Debt collection

TrueAccord contacted me via email stating I owed on a credit debt of {$2600.00} from an account in XX/XX/2007. XXXX XXXX  was apparently the original creditor. I do not have this account on my credit history. I am not familiar with this account at all. 
I tried to dispute the account via TrueAccord website and I was forwarded to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was denied for a credit card and Synchrony can not explain why. I have an Ashley Furniture credit card through Synchrony Bank that I have had for a little over a year. My minimum payment every month is {$28.00} and I pay at least {$50.00}, and it is always paid early. I only have {$400.00} left on the Ashley Furniture balance so I applied for a credit card at Rooms to Go through Synchrony Bank in order to purchase new living room furniture. I received a letter on XX/XX/20 stating my credit application was denied due to " unsatisfactory payment history with Synchrony ''. I called their customer service number immediately and was advised that they have no access to my credit report and my only recourse was to write a letter to dispute the denial or call the credit bureaus. I asked if there was another department I could call to talk to someone, as I want to make sure my questions get answered and I was advised by the customer service rep that they do not have a phone # to provide me. 

I obtained all 3 of my credit reports immediately after speaking with the agent ( on XXXX ) and ALL of my reports show NO late payments on ANY account, and my credit reports show that I am an excellent risk. I take pride in maintaining a high credit score ( currently over XXXX ) and making all payments in full and earlier than the due date. Additionally, the denial letter states the reason for denial is unsatisfactory payment history WITH Synchrony - they should be able to look into my payment history and tell me what the unsatisfactory history is, because all of the credit bureaus indicate that I have paid Synchrony on time always ( which I have ). 

On XXXX, I logged into my account online and " chatted '' with an agent. The agent told me to call the application department and provided a phone #, however, the agent was also unable to tell me what my " unsatisfactory payment history '' was. The agent then transferred my chat to a manager who told me the same thing - they could not advise why the application was denied and that I needed to contact the credit bureaus. I advised the manager that the credit bureaus show excellent credit and no late payments, so I wasn't sure what I would even ask them/say to them. The manager told me that they make their decision based off of the credit bureaus and I again told him that the credit bureaus show near-perfect credit. I asked the manager who ultimately makes the final decision whether to approve or deny the application and he advised me that Synchrony does in fact make the final decision. But no one can seem to explain why my application has been denied and I am continuously directed to the credit bureaus. Synchrony made the decision to deny my application and they can not explain why.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$1600.00}.
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies and unverifiable items on my credit report, and I am formally disputing them under the Fair Credit Reporting Act ( FCRA ). As required by 15 U.S. Code 1681i, I exercised my right to request an investigation into these discrepancies. I identified incorrect personal information, including my name, address, date of birth, and employer. Additionally, I disputed several accounts, collections, and an unauthorized inquiry, as they either appeared inaccurate or lacked proper validation.

In accordance with 15 U.S. Code 1681e ( b ), I requested that the credit reporting agency verify the accuracy of each disputed item by providing supporting documentation, including proof of the creditor 's permissible purpose for reporting the information. If any items can not be validated or are found to be inaccurate, I requested that they be removed from my credit report as stipulated by 15 U.S. Code 1681i ( a ) ( 1 ).

Lastly, I asked for an updated hard copy of my credit report, reflecting the corrections, in compliance with 15 U.S. Code 1681g. I expect a response within the 30-day timeframe mandated by the FCRA, and I trust the agency will take prompt action to resolve these issues.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXXXXXX late payment : XXXXXXXX XXXX XXXX XXXXXXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I didn't give any permissible purpose to any company
Product: Credit reporting or other personal consumer reports

All inaccurate information should be resolved and updated to reflect true file. Please update address and accounts.
Product: Checking or savings account

Email stating account card being mailed XXXX. 
Contacted Wells Fargo and account closed due to fraudualnt account being opened.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that there are inaccurate accounts listed. 
I ask that you investigate each account lawfully and provide a detailed description of the investigation process. 

Under Section 15 USC 1681 ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
If you Can't provide the description of the investigation then please remove these accounts : Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
You sent
Product: Credit reporting or other personal consumer reports

Didnt give permission or authorize this company to use or Obtain my information. Company does not have a Valid signature or contract. I want this removed from my Credit Permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( Thomas v. Hyundai Capital Am. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. On this account ( XXXX ) some months are reporting as late with your company but the other two bureaus are reporting something different this means that the account has not been properly verified. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Product: Credit reporting or other personal consumer reports

n 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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX ACCT # XXXXXXXX XXXX XXXX : # XXXX, XXXX : ACT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

ALSO I NOTICED UNAUTHORIZED Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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: Debt collection

Transunion Credit Bureaus continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing to correct my information on all bureaus credit sites. 

I now am PETITIONING FOR ARBITRATION for Transunion, XXXX, And XXXX, for this matter, and matters within XXXX XXXX XXXX XXXX as the company continues to falsly report inaccurate information in collusion with these third party credit bureaus, As well as trying to collect a debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3.00}