23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX Account Number:XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXXXXXX - XXXX - Account Number:XXXX XXXX XXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXXXXXX XXXX XXXXXXXX XXXX - Account XXXX i don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX This is not mine. 
XXXX XXXX XXXXXXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX Please investigate the history reported on this account It is absolutely inaccurate that this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX - Account XXXXXXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX XXXX  Account XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When I checked my credit report I noticed that someone has access my personal information. I noticed that I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022. I have no knowledge of what or who this could be. 

Also I noticed employment on my credit report that doesn't belong to me which is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sychrony Bank closed my Amazon account in XXXX of XXXX yet continued to process fees and reported to the credit bureaus as if this was an active account in continued delinquent status. This company went so far as to list the balance as a profit and loss yet never adjusted the amount to XXXX owed. This continually reflects an over the limit circumstance that is crippling my credit score. 
Sometime between XXXX of XXXX and XXXX of XXXX, Sychrony Bank hired XXXX XXXX XXXX to apply their algorithm- based computer system to attempt debt collection. My account was pinpointed as an account that could yield capital and in XXXX, XXXX I was served with notification that I am being sued by Sychrony Bank through the XXXX XXXX XXXX XXXX of XXXX, Maine for the exact amount they claimed as a loss on their taxes. It also needs to be mentioned that in XXXX/XXXX ( I believe ), Sychrony Bank reviewed my credit and although I was in continued good standing and current with this account, they chose to lower my credit limit to what I owed ( XXXX ), making this a 100 % use of credit that dropped my score. Subsequent over-limit fees were assessed for annual fees that would not have been should they have not punished me for having a late payment on an account that was not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from XXXX XXXX. In numerous correspondence with XXXX XXXX, they have failed to provide accurate documentation showing that this alleged debt has a valid reason for being reported past 7 years ( debt proof is dated XXXX, which is uploaded here ). The documents state the debt is 13 years old. 
I contacted XXXX and Experian and disputed the accuracy of the collection reported by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. On both occasions XXXX and Experian has stated that the debt was verified. However, XXXX XXXX has failed to provide me with documentation to prove the validity of this debt to be less than 7 years old ; therefore it is impossible for XXXX   and Experian to have properly verified the information reported. On XX/XX/XXXX, I uploaded the letter I received from XXXX XXXX to XXXX and Experian dispute site and explained that this is the only proof XXXX XXXX has been able to provide regarding this debt which is already 13 years old and I ask them to delete this item from my credit report since their is no valid proof that it is less than 7 years old. XXXX and Experian sent me a resolution dated XX/XX/XXXX stating that they investigated the information I disputed and it still shows the collection from XXXX XXXX XXXX report is attached ). At this point the actions of XXXX XXXX and XXXX   and Experian for failing to verify and report accurate information on my credit report is causing me monetary damages as I am unable to get approved for a professional license.
Product: Payday loan

Borrowed XXXX dollars from the lender in XXXX and from XXXX to XXXX I have been charged at this time what I borrowed should be paid back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX  loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX,2025  I requested a debt valuation due to inaccurate information on my report because this has caused damage to my credit report and I havent heard from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage company seems to be in the habit of not reporting my ontime payments to the credit agencies. They will go up to 2,3,4 months not reporting anything. This is by far my biggest account and it not being reported is not helping my credit score which I am constantly trying to improve. I complained last year when I first noticed it  but they continue to do nothing about it.
Product: Bank account or service

I Opened a bank account at Wells Fargo on XX/XX/2016. My father and I set up online transfer through Wells Fargo 's SurePay. We used the online transfers so that I was able to pay some of my father 's bills for him. XX/XX/XXXX and XX/XX/XXXX my father began to show signs of mental instability. XX/XX/XXXX my father was going to be homeless and I set aside XXXX dollars aside for housing for him ( XX/XX/2016 ). My father did not want any money set aside for housing and instead wanted to be homeless. The XXXX dollars was returned to my father in the form of a cashiers check dated XX/XX/2016. In the time between the transfer of the funds and the receipt of the cashier 's check my father opened a claim against me. The bank misinterpreted my father 's statements or my father misspoke and all of the online transfers were reversed. This reversal and the fees related to those reversals led to my account being overdrawn by XXXX dollars. Since then I have disputed this claim. I have called numerous times to explain the situation. I have also submitted an itemized list of how all the transferred funds were distributed. I have obtained a signed statement from my father along with a Wells Fargo Branch Manager which clearly states that my father 's intentions were not to bring into question the legitimacy of the online transfers. The statement also states that my father wishes to have the fraud claim withdrawn and wishes to have me cleared of any wrong doing. Wells Fargo 's fraud department has cleared me of fraud stating that I was the victim in this case. My Complaint is that with all of the information presented to Wells Fargo they still will not revisit my claims case. They are demanding that I pay the negative balance and threatening to ruin my credit by sending my negative balance to creditors. They have refused to halt the closing of my account while I have been in dispute with this claims case. I was informed by the claims investigator through an email on XX/XX/2016 that this claim existed. I was later informed that this claim was settled on XX/XX/2016. I was also sent a letter stating that I owed XXXX dollars to Wells Fargo while my bank account showed a negative balance of XXXX. I feel that I was not given a adequate amount of time to share my information. I feel like Wells Fargo was negligent in their investigation and I feel that with the new information I should be cleared of any wrong doing. Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my debts until final divorce, which was XX/XX/XXXX, ( proof attached ). I was unfairly sent to collection since I was not employed nor am I currently working. This account was sent to collection about spring of XXXX and Divorce was XX/XX/XXXX, which means it was responsibility of ( ex ) husband. ACCOUNT WAS CLOSED XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting or other personal consumer reports

Unverified and unauthorized inquiries appear on my Experian credit report. I have called to request their removal, but no action has been taken. 

XXXX. XXXX XXXX XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XX/XX/year> AND XX/XX/year> XXXX. XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Under the FCRA, it is a legal requirement to delete unverified and unauthorized items.I have requested Experian to delete. has not been completed.
Product: Consumer Loan

On XXXX XXXX, 2016 I made a {$300.00} payment to First Investors Financial Services. I have spoken to them several times concerning the payment, sent them documentation to prove the payment was made, and had the bank ( XXXX XXXX ) contact them twice concerning the payment and First Investors Financial Services has continued not to recognize the payment. Please help me get First Investors to recognize this payment I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )
Product: Credit card or prepaid card

Not knowing what to expect with PayPal prepaid I bought one for my XXXX  son and when he went to register it they asked for his dob and as SS # then PayPal refused to activate it because he was a minor I tried to have them switch it to my name and PayPal refused with out all documents requested to include my license SS card marriage certificate because my name is different on my sons birth certificate which they requested as well as his SS card and a current bill with my address on it. I have been going back and forth with them for the last 3 days since XX/XX/XXXX they keep making up XXXX excuses When I send them documents its too blurry its not original document etc. I am a XXXX VETERAN which my license states and I feel like I am more then being taking Advantage harassed and discriminated against all for a XXXX dollar prepaid card. I feel this PayPal is fraudulent and now I have to worry what they will do with my information as well as my minor sons. I want this complaint to go forward people need to be warned and this company needs to be stopped and shut down. They steal peoples money and their identities and constantly give you the run around
Product: Credit card or prepaid card

I first received a notice of a new account appearing on my credit report in my name on XX/XX/2022. I then checked my credit report and a new account had been added but from a company I had never heard of. I sent an email to the company ( Curacao ) regarding this fraudulent account but never received a response. On XX/XX/2022 I received an invoice in the mail from Curacao and on XX/XX/2022 I called customer service and spoke with XXXX at XXXX regarding my issue and she stated that she had started a fraud ticket and that the fraud department would be in touch with me. While waiting I froze my credit accounts and also sent a dispute letter with a copy of the invoice via certified letter on XX/XX/2022 and it was received on XX/XX/2022. But I received no response. I then received a physical credit card in the mail from Curacao and I then called customer service and spoke with XXXX on XX/XX/2022 at XXXX am where he told me that the account had been blocked and not further purchases could be made. I then inquired where the actual fraud took place and he told me at their store location in XXXX, Arizona. I filed a police report immediately with the XXXX Police Department regarding the identity theft and it was approved XX/XX/XXXX. On XX/XX/XXXX I was then contact by XXXX regarding the disputed account and both XXXX and I both spoke with XXXX, the fraud analyst from Curacao, on the phone. She informed me that she would be sending an affidavit that I would have to fill out and get notarized so she could further investigate. I received the affidavit on XX/XX/XXXX, but she also required several other documents in order for the claim to be further investigated. On the letter it stated that, " You must respond within the required time frame, or our company will consider that you accept full responsibility of this debt. '' I sent the forms required on XX/XX/2022 and they were received on XX/XX/2022, why weren't all these forms required when this account was opened in my name? I sent an email to XXXX on XX/XX/XXXX regarding the certified letter that I sent and she responded saying that she would follow up once she received the certified mail. I sent another email on XX/XX/XXXX and I have not had any emails or voicemails from XXXX.
Product: Credit reporting or other personal consumer reports

As a consumer is was not giving my disclosures to opt out this account reporting to my credit report. I am not disputing the account however I have the right under the FCRA to opt out of this or any account to be removed from reporting therefore please remove this account from all credit reports immediately or within XXXX days.
Product: Debt collection

When I recently pulled my credit report I was made aware of an incorrect item reporting on my account. There is a collection showing and I have no knowledge of this account or to whom it belongs to. I've reached out to the company listed on the credit report but to no avail, I have not been able to get this issue rectified with them.
Product: Credit card

Applied for Navy Federal CU checking and credit card on XX/XX/2024. 
The Bank approved the checking and credit card accounts and collected deposit fees the next day asked for information to Identify my Identity. I submitted my XXXX utility Bill and Drivers License and the bank Denied my submittion without explanation and closed the accounts and refused to refund account fees collected.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 then records of convictions of crimes which antedates the report by more then 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: Credit card

I heard theres a lawsuit for Apple and Goldman Sach for lying about interest, and stealing money from customers with hidden fees. And Ive personally been charged with crazy interest fees I still cant pay back today XX/XX/year>XXXX  and Im curious if I quality to receive payment? Thank you!
Product: Credit reporting or other personal consumer reports

Back in XXXX I was affected by a Equifax data breach settlement and my identity was presumed to be stolen. According to Consumer Law 605B, if there are any items that are proven to be fraud, it must be deleted from my credit report.
Product: Credit card

I went to the PNC branch in XXXX, MD to get a debit card and debit card only. I specifically told the manager that I do n't want credit card. He assured me that he is only requesting a debit card to be sent to me. After a couple of weeks I received the debit card as I requested. But then I also received a notice that a credit enquiry was performed PNC sent me a credit card as well. Since then they have been pressuring me to activate the card, which I did not and I am not going to.