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

I have noticed a lot of inquires on, XXXX  credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted XXXX and equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Product: Credit card or prepaid card

I ASK MY BANK IBERIABANK TO ASSISANCE ME WITH COLLECTING MY REFUND FROM XXXX XXXX XXXX ON CANCEL ORDERS WHICH THEY HAD PROMISE TO REFUND ME ... ..SINCE IT WAS WITHIN THE TIME ALLOWED ( 60 DAYS ) TO DO A CHARGEBACK ETC ... ..AND I GAVE THEM ALL THE SUPPORT DOCUMENT THEY NEED TO SUPPORT MY CLAIM ... ... I ALSO HAVE REPORT THIS COMPANY TO OTHER AGENTS AND IF ANY OTHER AGENTS YOU KNOW THAT CAN HELP PLEASE HEHELP ME ... THIS COMPANY OWES ME OVER 2,000. 

SINCERLY, XXXX XXXX
Product: Credit card

On XX/XX/year> I purchased home supplies for {$8000.00}. 
It was on a 24 month no interest promotion. 
I noticed after the second statement that I was being charged interest. I called on XX/XX/XXXX and had the store manager send the revised no interest promotion to the synchrony who manages the card. Synchrony is incredibly unhelpful and unwilling to accommodate or review any issues. 
The store " XXXX XXXX '' has been kind and willing to help but Synchrony seems unwilling to review or make changes. Absolutely worst customer service of any credit company. 
I've now been charged {$1000.00} 's of dollars in interest while they continue to force me to pay.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX 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 am notifying that I am a victim of data breach and I would like all the accounts mentioned to be blocked and deleted from my credit report pursuant to FCRA 605B15 U.S.C 1681c-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 Balance : {$2100.00} XXXX 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

I had been being billed from a company that i cancled there service the day after they didnt return results on a phone # search. 
For over 4 months i was not aware that i was being billed monthly.i called 5th 3rd bank to dispute the charge and to be issued a new card. 
They did not stop the company from billing my account for over 3 months.i paid 5th 3rd for the next three months while they were telling me i should while disputing the charge.

I told them that i cancled the credit card, that i dont want this co.to continue billing my card each month.i called them atleast 4 times lastly they told me that i had to get in touch with the phone # tracking co to stop the charges.which i already had done several months ago the day after they couldnt place the person associated with the #.

I paid 5th 3rd bank atleast {$100.00} after telling them for three months to stop.they dinged my credit for this.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items that you remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of previous investigation. I am asking you send your method of investigation along with all the records You spoke with, their Business address, name and phone number as well as document that proves this account ( XXXX ) was late. If you can not provide this information within 15 days, please update the account ( XXXX ) to pay never late and send me a copy of my updated report.
Product: Credit reporting or other personal consumer reports

This is another complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX  XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00}. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inform that account paid in full but the collection company is on my report not pay
Product: Credit card or prepaid card

on XX/XX/XXXX while shopping for airline ticket Delta lured me to apply for DELTA Gold Skymiles American Express card by offering free 1st bag checking plus {$150.00} statement credit if I apply for the card buy the ticket using the card. I applied for the card but when I continued the check out process I was surprised that there was no option to use the card that I had just applied for. Instead I had to complete the purchase using other credit cards. Instead of completing the checkout I contacted American Express and explained the situation and asked if I get the benefits if I buy the ticked using other card if I get approved for the DELTA Gold card advertised and was told that to get the benefits I have to be approved first and actually receive the card in the mail to use it. So I decided to wait. However, this was my second surprise because it took only seconds in the past to be approved for American Express Gold, for XXXX and other cards that offer their applications online with immediate use after the approval. While representative from Amex told me that their approval may take 3 to 4 business days.
So I took the chance of tickets not being available at a later date and decided to wait for a new card. When online status showed " In Progress '' a week later I called American Express again and was transferred to their new application division. They told me that because of the technical glitch it will take another 48 hours. This was on Friday,XX/XX/XXXX. And the promise was given to me by the floor manager XXXX XXXX When I called back following Tuesday,XX/XX/XXXXXXXX XXXX said that they still have a technical issue and many applications for DELTA Gold are being held and promised final decision in another 18 hours or by XXXX XXXX  Wednesday, On Wednesday the status online was still " In Progress '' and when I called XXXX XXXX was not available. As of today,XX/XX/XXXXthe status still shows " In Progress ''. I find it hard to believe that it takes such a long time for American Express to approve or disapprove an application while other companies are doing this in seconds. I find it even harder to believe that American Express will take more than 2 weeks to fix a technical glitch if it is a technical glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX on XX/XX/19 showed up on Inquiries in which I did not apply for any new credit or request any credit increase. I did not authorize any credit request.
Product: Mortgage

On XX/XX/XXXX, Bank of America took {$1400.00} out of my escrow account that was not to pay my Home Owners Insurance or my Real Estate Taxes, the only two bills I authorized them to pay. I did get refunded by the company they paid, but because I had other outstanding transactions with that company, it got confused and I never released it was a mistaken payment out of my escrow. I learned of the mistake when they increased my escrow to cover it months later. 
I specifically told the bank to never do that again and only pay the two bills authorized. 
On XX/XX/XXXX, they again paid an unauthorized bill from my account. This has become a pattern of behavior with them and they would take no responsibility. 
I am afraid that if a fraud artist gets my info, they will submit bills and Bank of America will pay them like they did these unauthorized bills and they will again take no responsibility. They keep doing it year after year, just randomly paying whatever they feel like. 
This is not the trust an escrow account is supposed to be about. I have sat on hold for hours trying to get this resolved ( they issue me request ticket numbers that are meaningless ) and no one fixes it or contacts me about it. I even went into the local branch and spoke to the branch manager but that did no good. 
I am at a loss as to what to do to protect myself from them taking out unauthorized money and giving it away. 
I think they need a wake up call and maybe fined for giving away my money.
Product: Payday loan, title loan, or personal loan

XXXX I took a loan with XXXX in XXXX XXXX, {$15000.00} at 18 % interest. {$2800.00} was used to pay off a loan balance with XXXX that I took out XXXX for {$5900.00} at 20.918 % interest. 

The remaining {$12000.00} was used to pay off some smaller debt to position my husband and I for success. He had spent 17 months XXXX with the XXXX XXXX XXXX in XXXX and was having a hard time adjusting being back to civilian life. This loan helped us pay bills without too much financial stress while he took some time to heal from the death of his father during his XXXX. 

In XXXX, we unfortunately, separated and I moved out. He filed bankruptcy and I struggled to live day to day working full-time but not making ends meet. XXXX I contacted XXXX to share my XXXX and I was granted a loan modification. 

In XXXX XXXX bought my loan from XXXX. They also granted me a modification after jumping through all the hoops they asked me to jump through. 

Sometime between XXXX - XXXX my loan was bought by One Main Financial. Several times I contacted them questioning why after paying on the loan since XXXX was it not paid off. I had paying on this loan for 15 years! 15 years. 

In XXXX I requested a printout of what I have paid to date. From XXXX to XXXX the principal was decreased to {$10000.00}. I kept paying though. At some point in XXXX XXXX XXXX had removed the interest from the loan so I was just paying principal payment of {$110.00}. 

In XXXX I had enough. I stopped paying. Responsible me struggled with this decision. At the time my father was placed in a nursing home and was diagnosed with XXXX. It is my sole responsibility to make sure he was being cared for properly and being respected in his new living environment. I was overwhelmed and I gave up mentally and emotionally. 

I wish I would have filed this complaint before now. I have worked very hard to bring my XXXX XXXX up from the XXXX it was after leaving my ex-husband. I have paid back close to {$50000.00} for a {$15000.00} loan that wasn't even a mortgage. Help please. 

Thank you, XXXX XXXX XXXX XXXX )
Product: Debt collection

During a routine check of my credit report, i noticed a collection account. I called the original company, XXXX, about it. I told them it did not make sense, because I am XXXX  at my current location. The location that was showing up on the credit report was never my address. They could not find the collection account. 

I called the collection company. The wanted my SSN, i told them no. I told them i never lived at that address, and they needed to remove it. They said they could not do anything. 

Next, i disputed with the credit agencies. I was told it was removed. However, now i see it back on my report. It is showing Waypoint
Product: Consumer Loan

hi my name is XXXX ive never had a loan with wells fargo. at the time they said i open the loan i didnt even have drivers lic .my drivers lic have been suspended since XX/XX/1996 in the state of ga im a victim of idenity theft i have written letters no results .so now i resulted into filing bk because i have my kid in college please can some one help thanx XXXX
Product: Debt collection

Settlement was agreed XXXX  years {$2400.00} last payment was made XX/XX/year>. Need this collection deleted from my credit report asap. Thanks
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX of XXXX I opened a retail credit line with JC Penny through Synchrony Bank. for 2 years and 6 months straight i never missed a payment. On XXXX of XX/XX/XXXXsomebody used my identity and maxed out my credit card with JC Penny ( {$1300.00} ) I called Synchrony Bank to dispute the charges made and was told by the fraud representative that the investigation was successful and after investigation I had not made those charges. After 3 months of back and forth calling to remove the balance of the successful dispute Synchrony Bank sold the account to a collections agency named XXXX XXXX XXXX. This company has repeatedly called me at all hours of the day harassing me to pay a debt that is not mine. I changed my phone number 2 times and still they somehow find out my phone number and call me. I have told them multiple times that this is not my debt and they do not listen. I have disputed this charge on all XXXX credit bureaus with no end results. This account is listed on all XXXX of my credit reports as a JCP Charge off reporting negatively even after I was told that it was taken care of. I 'm tired of being harassed over this when i never made the charges to begin with.
Product: Debt collection

On XX/XX/XXXX i notice a debt thats was on my credit that i did not do. I called the number XXXX I was told that this account was opened XX/XX/XXXX I did not do this. I am a victim of identify fraud. in XXXX a client of mine stole my wallet with my bank information id. The amount was 1567.00
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T put a report that is preventing me from opening an account from other banks due to a issue they had with a joint account holders personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( XXXX ).
Product: Debt collection

on XX/XX/XXXX i was contacted about a debt i wasnt aware i asked him to please verify the debt and he refused to verify it and he said it was my responsibility to prove it wasnt my debt and he was going to start reporting it to my credit
Product: Credit reporting or other personal consumer reports

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

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

The three reporting agencies ( XXXX, equifax and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Date opened : XXXX XXXX XXXX Last activity : XX/XX/ Original creditor : XXXX Status : closed Balance : XXXX  In accordance with Fair Credit Reporting Act XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A .states I have rights 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: Student loan

CERTIFIED INCOME FOR PUBLIC STUDENT LOAN FORGIVENESS WITH XXXX   XXXX XXXX. THIS WAS APPROVED HOWEVER INSTEAD OF FOR 1 YEAR THEY CERTIFIED 1 MONTH, WHICH ISN'T THE DATES THAT I PROVIDED ON MY APPLICATION. THEY ALSO DID NOT PROVIDE ANY QUALIFYING PAYMENTS FOR THE YEAR. THEY SAID IT WOULD TAKE 6-8 WEEKS FOR A LOAN OFFICER TO REVIEW THE PAPERWORK. THEY DENIED THE ORIGINAL APPLICATION BECAUSE MY EMPLOYER THEY USED A DIGITAL SIGNATURE. THEY STATED SHE WASN'T QUALIFIED TO SIGN THE PAPERWORK. RESUBMITTED THE SAME FORM WITH A HAND SIGNATURE. THEY STATED THAT THEY SEE THE ERROR BUT CAN NOT DO ANYTHING.

ALSO ON 2 OF MY EMPLOYMENT CERTIFICATIONS THEY GAVE ME CREDIT FOR PAYMENT ONLY ON 1 LOAN. THE OTHER 3 LOANS THEY STATE THAT THE EMPLOYMENT ISN'T QUALIFIED. HOW CAN IT BE QUALIFIED FOR 1 LOAN BUT NOT ALL.

THEY REFUSE TO HELP ME WITH THIS.