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

The unverified items indicated below reporting on my credit report 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. I'm looking forward that the disputed items will be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently responded to a complaint stating they never received my prior 4 letters. This is false and a blatant lie. I have 4 postal delivery receipts ( included ) from XXXX XXXX XXXX XXXX XXXX va XXXX. So they did receive them. Furthermore i have sent that they made an update to credit report as disputed prior to this complaint proving they were very aware of my several attempts to contact them. I have sent them a 5th letter with a dated credit report proving the update took place prior to submittance of my cfpb complaint. Regardless i have receipts proving they received them of they lost the correspondence thats on them. All i need to have a legal case is proof of receipt which I have. XXXX  also reports 2 different addresses and 3 different numbers and are very inconsistent even reporting 2 different amounts owed. This is not my debt  and if this company continues to stall while damaging my credit i will pursue legal action against them. I also possess credit reports from XXXX, XXXX, XXXX, XXXX, and XXXX showing i have disputed this debt several times each report date coincides with date i mailed validation letters.
Product: Vehicle loan or lease

XXXX XXXX is not reporting my payments im making on my loan, to the credit reporting agencys, they have not corrected my credit report, that i have been paying on time and i am not delinquite on my loan. They are still showing me delinquite and, when i contacted them, they told me that they dont have to report anything
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX dollar refund never received account been hack since XXXX 2022 and my income tax check filled with cash app never received it I need all money asap and my card is lock everytime I ask why they say it's being escalated to a higher team it's been almost 3months and my money from XXXX bank Amount of XXXX dollars back in XX/XX/XXXX is missing I put all type of paper work steal nothing
Product: Credit reporting or other personal consumer reports

I recently pulled my credit and saw that I had XXXX inquiries on my XXXX report that I didnt authorize. I dont have an account on my profile nor have I applied for any credit from synchrony bank or XXXX XXXX. I have tried to reach out to the credit bureaus and the companies to no avail. Please advise
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRES FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information, which I did not give to the credit reporting company, was mishandled. 

My credit information and my personal information was given out without my consent. The date of this breach was given as a range of dates starting in XXXX of XXXX and was not reported to me directly, or to the public in general until XXXX XXXX. 

The website is not responding to requests at this time and has continually hung. 

This breach of my data has made me anxious and has the possibility of effecting me for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax, XXXX and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.
Product: Vehicle loan or lease

I have a XXXX XXXXXXXX XXXX that I purchased. On the paperwork my name isn't even correct they are reporting to my credit the wrong name. I was behind on the XXXXXXXX XXXX XXXX  and I was out of town because I work out of town. I was XXXX hours from where I live. They came and picked up the vehicle from the hotel when I was XXXX hours away and did not even send me a letter that I was late on my payment. They then would not release my vehicle even though I had the money to pay it and had paid it but I had to wait for it to be released. I had to cancel my schedule so therefore that one day, cost me XXXX I take school pictures for a living and I had to cancel because of them coming to take a XXXX away from me that was literally 2 months behind and didn't give me any type of notice. Then they made me purchase insurance that cost me over XXXX for 1 month. It took me about 7 days to get my vehicle back in the meantime I had to rent a XXXX XXXX home and then back again when they decided they would release the vehicle. I then had the XXXX another 2 months and they came and picked the XXXX up again at my house this time. I filed bankrupt and the XXXX was not suppose to be moved and they took the XXXX all the way to XXXX XXXX which is over XXXX hours from me and had all my personal possessions in the vehicle that I was not able to retrieve. They would not send my possiessions back to me and told me they were throwing them away. I now have looked at the only statements I can view and It said I owe them XXXX for a XXXX they illegally moved from my state and cost me thousands of dollars which I have proof of. They added all types of charges on my account and I just feel as though I was done wrong and I should be paid back for the amount of money they cost me and for my personal belongings in the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email and XXXX {$7600.00} invoice from a trade show company in XXXX for a booth at one of their XXXX XXXX. On XX/XX/year>, I sent a wire transfer to the company and the XXXX account number on the invoice. The wire transfer was sent from my corporate account at Truist Bank. The trade show company claimed that they never received the wire transfer. After receiving the XXXX from Truist, it was discovered that the XX/XX/XXXX email to me from the XXXX XXXX XXXX XXXX  was hacked, and the XXXX account number on the invoice was changed. 

My position is that the receiving bank in XXXX, XXXX XXXX XXXX  was negligent in depositing my wire transfer into an account where the beneficiary 's name did not match the name on the account the money was deposited into. 

I did have Truist issue a recall of the wire transfer to XXXX XXXX XXXX. The response Truist received from XXXX XXXX was : " XXXX. KINDLY NOTE WE ARE UNABLE TO ACT UPON YOUR RECALL REQUEST AS BENEFICIARY ACCOUNT IS CLOSED. WE CLOSE THE CASE. '' My complaint is that Truist did nothing to assist me, their customer, in trying to help me recover the stolen funds beyond issuing the recall.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to the company explaining that I was a XXXX XXXX XXXX XXXX in XXXX which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. The response I received was simply a " no. '' How can they hold someone liable for debt they were forced into due to XXXX XXXX?
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX Account # XXXX opened XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to current or delete account immediately. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted all three bureaus not one follow the identity theft bill of rights and all three refuse to block info submitted in ftc is theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXX XXXX  dont ever do this!
Product: Debt collection

I dont really know what happened I was never contacted about this debt and it just appears on my credit report randomly never received a letter or anything
Product: Credit card

In XXXX, I took a cash advance for {$9000.00} with a 0 % APR promotional interest rate offer through XX/XX/2024. I was charged a 5 % origination as outlined in their terms. 

On the following month 's bill ( XXXX ), I paid the balance for all new purchases. Then the month after that ( XXXX ) I was charge {$170.00} in interest. 

Chase Bank 's terms state : " If you take advantage of this promotional offer, interest will be charged on new purchases unless you pay your New Balance ( or Interest Saving Balance, if applicable ), including any promotional balances added by using this offer, in full each month. If you have a promotional 0 % APR on purchases, you will not be charged interest on new purchases as long as the promotional Purchase APR is in effect. '' I contacted customer service by phone and they told me that I was charged interest for the new purchases. This is in violation of their terms above. The phone representative was unwilling to advocate for me. 

I followed up with an email. The response from the representative was the same and ignored my concern regarding the violation of their promotional cash advance terms. 

Given that I am likely not the first person to have this problem, I recommend that you investigate my complaint and inquire Chase with regard to how they are implementing their promotional 0 % APR cash advance terms..
Product: Debt collection

Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).
Product: Debt collection

On XX/XX/XXXX I received a notification from XXXX XXXX that a collection had been placed on my credit report by XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, LA. This amount was paid by XXXX  XXXX XXXX. I spoke to XXXX from XXXX on XX/XX/XXXX. He asked that I email him proof that the bill had been paid by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tx. I emailed it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I also spoke to XXXX from XXXX XXXX about the bill. She said she would notify XXXX that this amount should be removed from my credit report. Today, XX/XX/XXXX, I find out that the notification has not been removed from my credit report. I spoke to XXXX from XXXX and XXXX from XXXX XXXX XXXX about this matter. XXXX stated he had not received thee email XXXX from XXXX said it would take 4-6 weeks to notify XXXX XXXX. XXXX from XXXX said he could not do anything because XXXX XXXX has not notified them. I have already waited 4 weeks to get this matter resolved.
Product: Debt collection

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. 
I do't know this company never received any letter except harassment phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX dispute letters over XXXX  years ( all certified mail ) most recent dates ( XX/XX/2021, XXXX, 2021, XXXX 2021 ) so I have proof/receipts of such. Experian refuses to update my personal information, experian has refused to report accurate information on my report. There are XXXX different addresses on my report that are not accurate. There are several names showing on my profile. Experian has confirmed that my report was mixed with someone elses. I have been blocked from attempting to dispute online and Experian many times told me they will not allow me to dispute online or phone. As of now Experian refuses to invesitgate these inaccuracies yet they continue to allow third party companies to report illegal/incorrect information on my credit report.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a dispute letter to Experian. Disputing a medical collection account from XXXX XXXX XXXX. In that dispute letter i asked Experian for proof of verification for the account or delete it. An original consumer contract signed by me. Experian verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Experian with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Experian is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Experian ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax. experian. and XXXX did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my XXXX. 
These are the following accounts that were not removed. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX XXXX  Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX acct XXXX XXXX ..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2021 reporting as a 30 day late payment. Please remove.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Amazon  XXXX  Store Card by Synchrony Bank has continuously charged me for services I never asked for. Furthermore, I have tried numerous times to dispute the charges with no luck. 
I was charged {$15.00} every month for XXXX since XXXX for a total of {$140.00}. 
I was charged {$120.00} for Amazon  XXXX  subscription. 

I disputed these charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been refunded sporadically for XXXX, not for Amazon  XXXX subscription. 

According to Synchrony Bank, late fees interest will not incur during the dispute. I have not bought anything from this card since XX/XX/XXXX. However, I am still charged interest and late payments. I have talked on the phone with customer service for hours and they have offered no resolution.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate unfreezing of my credit file. See attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian report has the following errors : Company name is spelled incorrectly- it should appear as XXXX XXXX. Also my debt to income numbers are way off. My mortgage and credit card bills total {$1800.00} ans my income after taxes is {$6500.00}. The report states thats its : Debt : {$2300.00} Income : {$4500.00} How do I fix this? 

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

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX ... .Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX..DATE OF INQUIRY XX/XX/XXXX XXXX..DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ... DATE OF INQUIRY XXXX XXXX, XXXX XXXX XXXXDATE OF INQUIRY XX/XX/XXXX XXXX