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

EXPERIAN XXXX. IS REPORTING ADVERSE, INACCURATE, FRAUDULENT INFORMATION TO XXXX XXXX XXXX REPORTS AND THE CONSUMER IS INCURRING INJURY OF DEFAMATION TO THE CONSUMER 'S CREDIT REPORTS AS WELL AS PHYSICAL, MENTAL PSYCHOLOGICAL CONSUMER IS IN DISPUTE OF ALL NEGATIVE INFORMATION! THERE WILL BE NO AGREEMENT UPON ANY ADVERSE INFORMATION WITHOUT MY CONSENT BEFOREHAND! AS WELL AS FINACIAL DAMAGES WITH INVASION OF PRIVACY 15 U.S.C. 1681 A4, NON REMOVAL OF NEGATIVE INFORMATION WHILE UNDER INVESTIGATION - 15 U.S.C. 1681IA [ 1a ] as well as FALSE IMPERSONATING OF ADVERSE COLLECTORS IN VIOLATION ADDED TO THE CONSUMER 'S REPUTATION AS AS A PRIME CONSUMER INDUCING NEGATIVE CREDIT RESPONSES. THE. CREDIT AGENCY KNOWN AS EXPERIAN IS ENTIRELY RESPONSE AS INDUCERS OF ADVERSE PARTIES WITHOUT CONSENT OR CONTRACT BEFOREHAND! THE CONSUMER 'S " CREDIT WORTHINESS SHALL ALWAYS BE AT " MAXIMUM ACCURACY POSSIBLE '' AS GUARANTEED BY FCRA, FDCPA, FTC, DODD - FRANK ACT. I AM " JUDGEMENT PROOF '' ADVERSE PARTIES WILL BE CALLED TO FEDERAL COURT UNDER 15 U.S.C.1681 AS WELL AS FDCPA & FTC VIOLATIONS!! DELETE ALL PARTIES!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is purposely NOT helping me with my credit inquiries. I keep getting letters like this, even though I ; 've sent in mutipal times ALL of my ID + more then they ask for. 

This letter is just another example of their XXXX. 

I'm asking CFPD to step in ASAP and get them to STOP sending these letters and also REMOVE the account in question from all my previous complaints.

I'm living in XXXX XXXX, thus I have help from a counselor here at a men 's selter ( like today ) to get paperwork sent in. 

I've been dealing with this since XXXX of this year. WAY TOO LONG for a person to be going through a VERY bad time. 

Yes, I'm depressed and genuinely wish I were dead because of their LACK of help on this. 

WILL SOMEONE DO SOMETHING TO HELP ME OUT!!!!
Product: Credit card

I was enrolled in a repayment plan for one of my American Express credit cards. I allowed them to automatically take money out of my account monthly for a year. After completing the program as I agreed both of cards was cancelled. I called to ask why I had not received a monthly bill and at that time they told me because I participated in this program my accounts had been cancelled. I only enrolled one of my cards in the program. I got nothing in writing and I asked for an investigation and to date I still have gotten no response. I have made numermous calls which all have been dropped. They also stated have a balance of {$180.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. subsection 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. subsection subsection 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Citi is saying that I was 30 days, but I was never late.
Product: Debt collection

I recieved a letter in the XXXX mail saying that I owed {$1400.00} to Phoenix Financial Services ( XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX ). Debt Collector on behalf of XXXX XXXX XXXX XXXX XXXX. It says date of service was rendered on XX/XX/19. phone : XXXX I have never heard of this physician and live in XXXX, TN. I did not go to doctor in XXXX and also I have done some internet investigation on this company and it seems that this is repeatedly happening to many people. Many complaints of fraudulent charges just like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice to remove inaccurate addresses and names from my Equifax report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and discovered fraudulent accounts listed, which are adversely affecting my creditworthiness and ability to secure credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the immediate removal of these fraudulent accounts from my report. They are hindering my ability to obtain credit.
Product: Credit card or prepaid card

At the beginning of XXXX, I receive a statement from Nordstrom and the amount was XXXX. I checked the details of my transactions. I did not used this card to buy anything. Someone used my information to purchased stuffs in the store. I called them to file a report, and canceled my card on XX/XX/, 2019.  However, they did not solve the problem. They said I needed to send a document to update my case, and I sent it twice. They told me they didnt receive it. I always caring about my case and kept following. They told me all the thing I needed to do is wait. The statement was increased month by month. They just holding my case, and they couldnt do anything about it. I was so frustrated and disappointed about Nordstrom. It was a fraud statement, but Nordstrom was holding my case.
Product: Credit reporting or other personal consumer reports

Per the cfpb, I was instructed to send my fcra XXXX XXXX form to the following address Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX My complaint fcra section 605 was sent on XXXXXXXX via priority mail and I received no response.
Product: Credit card or prepaid card

America express. I never late on my bills. I want to make a couple of payment I been in the hospital, I am very ill. And they keep calling me and harassment me. i told them they bill is not due yet and im still in the hospital and they keep calling
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has been done on these accounts. There are numerous violations showing on my report. There are accounts that XXXX stated, were deleted, after their investigation. However, they are still showing on my report well over a month after they completed their so-called investigation. Also there have been 21 accounts added by XXXX, after their investigation, that were not reported previously. These are accounts that are several years old, that the other two were reporting already. I have called all three Bureaus to dispute these issues and all I am told is that I basically have no control over what is done because they can report whatever they want. They would not tell me who did my investigation and I want all the information pertaining to the investigation they claim to have performed. I want the name of my investigator, their role in the company, who they spoke to, and if they contacted everyone that they are legally required to contact according to the FCRA. I will be notifying the Attorney General over this and I will be seeking litigation if nothing changes. How can my credit report be accurate if all three Bureaus are reporting something different? I have documented all the violations over the last 5 months, and I am prepared to take things to the next step legally to make sure that all the information on my credit report is accurate.
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. 

XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I had contacted Equifax via phone call on XX/XX/XXXX after having my digital inquiry dispute automatically denied. This was to make aware of fraudulent activity on my report and to request further infomrtaion as to why they had refused to correct my information with supplied information. I was informed they would not be removing the Target credit card application from XX/XX/XXXX unless I mailed them a copy of my SSN and other personal information, which has already been compromised, through USPS. I had offered to provide copy of report filed on identity theft government site as well as police report information I had filed with my local borough and they again refused and stated I needed to send my other sensitive information through USPS and could not provide anything digitally. XXXX and XXXX corrected this information with the provided reports and without me having to mail any information that could further compromise my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked with XXXX XXXX  and a Hard inquiry came up and I dont recognize it. It is Comenitycapit Al/bjsXXXX
Product: Debt collection

Not only was I never given the chance to dispute the debt before it went on my credit report but the information they have now provided is insufficient. 

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX  XXXX, Balance : XXXX
Product: Credit reporting or other personal consumer reports

THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

My car was paid off in XX/XX/XXXX, but the lien never released. I didnt know the lien had not been released until XX/XX/XXXX when I attempted to get another title. I had to pay for a lien release letter but the SC DMV would not accept as it was not the original lender. In XXXX I was told that I would receive a notarized one in the same letter with 15 days, I have. Or received this letter. On XX/XX/XXXX or XXXX, I was told a supervisor would email or call me to confirm this notarized letter had been sent, as if XX/XX/XXXX I have yet to hear from a supervisor or receive the notarized letter from Santander Consumer Credit.
Product: Credit reporting or other personal consumer reports

This company continues to refresh the loan on my credit report the debt itself has been charged off but its reported new year to year.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.
Product: Checking or savings account

On Friday XX/XX/XXXX, at XXXX I checked my bank account to see my pay from my job and noticed someone took money out of my savings and transferred {$8000.00} from my savings to my checking account. I noticed a windows device had access to my bank account which I only use my Iphone for banking services. I immediately contacted my Chase bank and they locked out my accounts and I needed to go in person to a branch in order to open new accounts and freeze my old accounts. I also changed my passwords for all my accounts and kicked off any devices that were unknown. I now was kicked off my t mobile services and have contacted t mobile also.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I contacted Herbies Auto Sales ( XXXX XXXX XXXX XXXX ) about this consumer action ( XXXX XXXX XXXX ) that falls within the time I financed a car through them. My car loan is paid off as of XX/XX/XXXX and I received the title release for my car purchased in XX/XX/XXXX. <P/>I was told today when I talked to YKS management that my account was " credited '' the amount of {$470.00} last XX/XX/XXXX. The problem with this resolution is 1 ) I never received any information from YKS in writing indicating this credit was applied to my account at any point prior to my loan being satisfied or after. 2 ) the manager also asserted this {$470.00} credit satisfied the terms of the CFPB settlement agreement despite what the actual consent order says that the actual refund should be for {$1600.00}. <P/>Nothing on any of my bills received from YKS indicated any kind of credit lowering the total balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  stills has an old account with DISCOVER card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to update my name on my credit report because the name showing on my credit report is wrong and there should only be 1 name which is XXXX XXXX XXXX XXXX XXXX I would also like incorrect addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX - CARD SERVICE -- >Inquiry date -- ->XXXX XXXX  XXXX  XXXX -- -- >Inquiry date -- -- > XXXX XXXX  XXXX, XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX   XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX - CARD SERVICE -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  XXXX -- -- -- >Inquiry date -- ->XXXX XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX CREDIT/XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX/XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GENTRYS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$5600.00} Account Name : XXXX XXXX XXXX  XX/XX/XXXX - Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

I had a secured credit card with XXXX XXXX, and I paid the balance off, it was paid off in 2021. It keeps reporting as if I am 90 days past due on my transunion credit reporting. Its not been removed from my credit as of yet.
Product: Credit card or prepaid card

I placed an order on XXXX through a 3rd party merchant on XX/XX/2022. There was a problem with my XXXX store credit card issued by Synchrony Bank because the physical card had been misplaced. I got a new card and submitted the payment again. After the payment was resubmitted I believe on XX/XX/XXXX, the merchant reached out to me via email on XX/XX/XXXX at XXXX XXXX my time asking if they could substitute a different color of the same model I ordered. I replied at XXXX XXXX saying that I did not want the substitution ; I wanted the original order as it was placed. At XXXX XXXX  I received a notification email from XXXX indicating my order was canceled without specifying a reason, although the merchant 's page showed the item out of stock at this point. Today, XX/XX/XXXX, the pending charge for that canceled transaction is still holding funds on my XXXX store card. I emailed the merchant who told me to contact XXXX directly, so I entered online chat with a XXXX representative who told me to contact Synchrony. Synchrony offered to create a dispute that could last 90 days, but said the merchant simply should have removed the transaction when the order was canceled. I just want the canceled transaction removed from my card. Please note in the printout from Synchrony showing pending charges, the canceled transaction amount of {$240.00} is showing twice. Synchrony and XXXX state that the first pending charge is when the card was originally declined, and it is not actually being held against my line of credit, so it is not a concern at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the fraud alert to be removed from my experian and XXXX report but its still showing on there. i need the fraud alert removed from my report asap thanks.