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

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Experian has furnished on my report. I have listed the items I would like to dispute. 

Account number XXXX ( XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX Account Number XXXX Preferred Lease pursuant to 15 U.S.C. 1681a the term consum- er report does not include ; 15 U.S.C . 1681a ( 2 ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 1681 ( a ) ( 4 ) XXXX states that consumer reporting agencies must be impartial. Why would XXXX state this in the congressional findings? Because they are well aware that the consumer reporting agencies are extremely partial. How so? When something is reported they conduct their investigation based off of XXXX side of the story XXXX. The " creditor '' or debt collector. I am requesting that Experian have the item removed. 

15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I also request that these inquiries listed below to be removed pursuant to the 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ; 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Furnishing knowingly fraudulent information, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 yrs, or both.

Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit card

I got my phone stolen on XX/XX/year> while in XXXX XXXX, CA around XXXX while leaving the bar. I noticed right away. The next morning XX/XX/year> I went to chase bank to have them cancel my card. There was a charge on my credit card for {$1500.00} at the XXXX XXXX. This payment was not me. I had XXXX XXXX on my phone that the thief used. 

Following going to chase bank I went to the police station to submit a police report. I reported this charge as fraud when I gained access back to my account. The charge was originally taken away. I was informed that they found this charge " valid '' and that the charge will be placed back on my card. I called customer service for weeks asking what I could do. I submitted my police report on XXXX. They said this was not enough information even though they said it would be. 

I just opened by credit card back in XXXX. I never had high chargers like this one. The customer service team is not helping me resolve this fraud.
Product: Debt collection

I have attempted to get clarification on this with Contract Callers. I have enclosed my final request. Failure to respond with a lawful answer in 15 days will result in your admission that this debt is NOT legal/lawful.
Product: Checking or savings account

Chase bank notified me to state that my account is inactive and unless I took action ( sign a form they gave me or made a deposit/withdrawal ), then my account would be treated as abandoned and my money would be taken from me via the escheatment process. 

However : the account is actively used. Every month, ( XXXX ) I transfer money in and ( XXXX ) rent is paid to the landlord via XXXX. 
This has been my process for months. 
The problem is that Chase does not consider ( XXXX ) and ( XXXX ) to be evidence of the account being used. 

To resolve this, I called customer service ( and got the answer above regarding their definition of " active '' ). I think that's abusive and unfair. So I asked to speak to a supervisor. The supervisor gave me the same answer. I ask how I can escalate. Customer service supervisor said to write a message via chase.com. 
I did that and got the same answer. 

Chase does not seem to understand that I disagree with the definition they provided of what makes an account " active ''. 
I know they want me to sign a form. 
I know they want me to use an ATM But I want the rules to change. 
Does chase set the definition of " inactive '' or does a regulator?
Product: Debt collection

I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Corporation are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past several months I have try to resolve a situation with inaccurate reporting on my credit report regarding Santander Consumer. I reached out to the company several times an attempt to resolve this matter by even faxing over documentation that was mailed to me by the New York state general. Santander Consumer was ordered in court to resolve and delete any debt owed in between several years expand due to fraudulent loan high-interest and knowing that consumers will not be able to properly payback on time due to high interest rates which was unfair to Consumers they preyed on consumers with not so much of a good credit and knowing that they did this in a selfish manner of trying to make money illegally. Needless to say I fell victim to the situation and I regretted it ever since. I have also reached out to the credit bureaus and for investigation into this matter because after speaking with the company Santander Consumer they instructed need that they notated on the account and that it will be deleted eventually because due to high volume of account he asked me to be patient. The supervisor asked me if wanted to speed up the situation that to place if disputing with the credit bureaus and it will be notated on the account and it should be deleted within 30 to 45 days. This never happened and now I'm very frustrated and confused about the situation. I've reached back to New York state general office emailing them regarding that I have an issue with them following court orders with deleting the account from my credit report. They also asked me to be patient. This account should have been deleted long time ago especially after faxing over the same letter that was mailed to me from the New York state general office regarding being qualified for the multi-state settlement. This is the website where you can find more information regarding the multi-state Settlement athttps : /XXXX/. I can also be reached at XXXX. I asked for this to be deleted which doesnt violate my rights, thank you in advance.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts by Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$600.00}.
Product: Debt collection

Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.
Product: Money transfer, virtual currency, or money service

I was scammed of {$25000.00} US dollars by XXXX XXXX XXXX XXXX. 
I'm a member of USAA and they sent the wire to pay and I'm protected by the bank. 
Included is proof of exactly what happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my credit score by XXXX points with NO EXPLANATION. It clearly stated that there was NO CHANGE in my account statuses. Equifax 's arbitrary and BASELESS negative impacts on my credit score are unjust and unfounded. Consumers should NOT be victimized by a credit reporting agency ability to harm their ability to improve their credit score which my personal report reflects that I have been working very hard at for the past few years.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX He demanded a Power of Attorney be signed by me in private on a scratch paper or he would not proceed. 
I was not able to consult an attorney as he'd already had me sign with him as buyer, seller and broker. 
The POA was to appoint my XXXX  citizen XXXX XXXX XXXX to make all financial decisions as me. It wasn't witnessed or notarized. 

Escrow an independent agent processed escrow closing payout to all parties but had bank closed before checks were paid out in full. The bank never ask for my ID or signature? 

XXXX XXXX escrow agent also notary for grant deed original and representative for buyer XXXX XXXX property XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Total $ XXXX may have been deceived after I left her office and pre2sented POA for his XXXX mom XXXX XXXX?? 

Year 2002 owned & upgrade for sale in 4 months. 

I payed pro-rated taxes with County taxes collector office. But the physical address printed on invoice was my name but XXXX XXXX home address of XXXX XXXX XXXX XXXX XXXX, CA XXXX which I never authorized or approved US Mail forwarding of this real estate transaction!!! 

The Wells Fargo home mortgage finance representative name XXXX XXXX is a personal family member XXXX partner to XXXX family of 25 yrs to date. Approval guaranteed but with the order to only use XXXX  notary/escrow officer. 

To date I never cashed checks from the small unknown bank? 

Escrow No Title No Recording No XXXX XXXX XXXX be doing all financial transactions for XXXX  XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

National credit adjust keep re-aging this debt that I do not owe and wont take it off my credit report.Experian is allowing them to keep doing so. I also have XXXX inquiries on my credit report which is locked. I didnt apply and want those removed. I also have affirm on my credit which is not mine and I want that removed as well. There are XXXX of them. 

Re-aged accounts that have to be removed XXXX XXXX XXXXXXXX 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 writing to formally request the removal and blocking of certain accounts from my credit report, as I am a victim of the recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ).

The accounts I would like to be addressed are as follows : XXXX. XXXX XXXX - Open Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Open Date : XX/XX/XXXX Given the circumstances surrounding the data breach, I believe that the presence of these accounts on my credit report is a result of identity theft or unauthorized use of my personal information. As such, I request that you take immediate action to block these accounts and initiate the deletion process. 

Please confirm the receipt of this request and inform me of the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue, as it greatly impacts my financial standing and peace of mind. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX. XXXX XXXX XXXX did not have MY written permission to furnish anything on my credit report. XXXX XXXX XXXX has not furnished any documentation of validation ( sworn under oath ) or judgment that I owe an alleged debt.
Product: Credit card or prepaid card

While reviewing my Synchrony Bank accounts online on XX/XX/2018, I noticed that a new Mastercard account was opened under my name which I had not requested. I Immediately called Synchrony Bank 's customer service. I was told that even though I did not apply or request this account, Synchrony Bank would be mailing the credit card by XX/XX/18, and as long as I did not activate the card it would not appear on my credit report.

I contacted Synchrony Bank via their online secured message system on XX/XX/18 to complain and have to date not received a reply.

This seems very similar to the XXXX XXXX XXXX   issue, whereby accounts are opened without customer/client authorization.
Product: Checking or savings account

I have been experiencing identity theft for the last year and a half. I have contacted the XXXX XXXX police department here in South Carolina and have submitted all documentation to all three credit bureau 's. Discharge on my credit as negative from XXXX Bank for over {$4000.00} is identity theft and fraud. My home was burglarized back in XXXX and they have everything for my birth certificate Social Security card credit cards checks from XXXX XXXX bank everything. They opened up bank accounts in my name credit cards to retain goods of a fraudulent nature. Changing in XXXX have been very understanding. XXXX has given me the hardest time, and look at me as if I 'm a criminal. I handed them a notearised police report as well as other documentation and they keep telling me that it 's my account after their investigation. However it is identity theft someone is pretending to be me I have freezes on all my credit reports and I 've submitted everything they needed to pull that off my credit but still they wo n't
Product: Credit reporting, credit repair services, or other personal consumer reports

Never gave this consumer reporting agency TRANSUNION any written consent to report anything to my consumer report which is a violation of FCRA. Pursuant to XXXX5 USC 1692 ( a ) this an invasion of my privacy by reporting things to my consumer report without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported delinquency of my private student loan during the height of the COVID19 ( XXXX-XXXX  ) pandemic. The automated payments lapse, not because of inability to pay but limited and poor communication from Navient to re-establish payments. Once things were rectified in XXXX they proceeded to submit the negative history dropping my credit score 30 points. This has severely impacted my private practice as I have been declined credit to purchase additional equipment needed for my practice.
Product: Debt collection

This company has called my phone over XXXX times about a debit that I dont owe. I have never signed any type on contract with company. Amsher collection. I never received any form of validation letter, they are violating so many laws according to fdcpa rules and regulations. I asked for an itemized bill of my debit and I never received the bill. They are also leaving voicemails for my family members regarding this debit. They also are listed on my credit profile as my original debit collection. Which I dont understand if I dont even know who you are. I rev call before XXXX sometimes and after XXXX Ive tried to reach them about this matter only to be ignored and treated very rudely, this will be my last attempt before I seek legal action. According to fcra and fdcpa law XXXX ( XXXX ).
Product: Credit card or prepaid card

XX/XX/XXXX y XX/XX/XXXX I submitted a dispute with Equifax regarding a XXXX XXXXXXXX XXXX XXXX {$29000.00} in balance. I explained to them that I do not have such card and never did but they refuse to remove it from my credit report. 

I dont have any information about this card nor ever received any letter from any bank or credit card company regarding it. 

I also disputed this issue with XXXX XXXX and they removed it from their credit report. 

This is affecting my credit daily and I need this solved.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

The debt collection company claims that I owe {$1000.00} from an account with XXXX XXXX XXXX and {$180.00} from XXXX XXXX XXXX XXXX. I do not recall open accounts with ANY of those companies, and highly believe that someone else used my information in order to open accounts with those utility companies.
Product: Debt collection

XXXX was stuck in door on XX/XX/2021 from Cascade Capital , Llc. on a debt that was purchased from XXXX XXXX XXXX XXXX. The amount being sued for is XXXX. The statute of limitations in Louisiana to collect a debt is 3 years. Signed contract and promissory note of debt owed to Cascade Capital Llc.
Product: Credit card

Yesterday, XX/XX/XXXXXXXX XXXX XXXX at XXXXXXXX XXXX, I received a call from Bank of America. And later I listened the voicemail. The voicemail record said the speaker was XXXX XXXX asked me to call her. Since I received another so-called from another XXXX ' in voicemail said XXXX. Both call came from same number XXXX. Even though I did not listen again XXXX voicemails, I remember the voices were different, disgustingly. XXXX of XX/XX/XXXX asked me to call back XXXX for the claim number XXXX. Since it does not make sense, why I need to call back number XXXX, which I made claim often, from the phone number XXXX which is not XXXX number of Bank of America.
Product: Credit reporting or other personal consumer reports

According to the fcra all information reported to the credit bureaus must be accurate upon checking my consumer report I noticed that they were accounts that were not reporting at all to my consumer file and the ones that are there are out dated which is manipulating My overall credit score. The accounts that are in question are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And two credit cards from XXXX XXXX XXXX XXXX  that are not reporting on my consumer file I am providing you with the account numbers please update this information so it can report accurately to my consumer file
Product: Payday loan, title loan, personal loan, or advance loan

As of now, wilshire consumer credit, are in fact not only a loan company, a legitimate XXXX XXXX XXXX I have seen vehicles leave their back lot and come to my city to follow ME AROUND. This company is a bunch girly men that think they are tough. It's annoys the amount of men from their company wear dresses. I have proof. Vehicles they use. They have sum XXXX on me and I am tired of it, law enforcement will not get involved. Next is good old fashion old west style vigilante style pain to the whole company. I am 100 % a XXXX So you are my last resort XXXX I take the law into my own hands.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION IWOKEUPFRIDAY, AND PULL MY CREDIT REPORTJUST TOCHECK MY CREDIT.ITHEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>, ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXXXXXX KY XXXX
Product: Bank account or service

I had to cancel a label I created with USPS on XX/XX/2016. I received an email from USPS on XX/XX/2016 ( attached ) stating that my refund request was approved. I am attaching another document from USPS stating that they refunded my account on XX/XX/2016. The problem is that B of A debited my account again on XX/XX/2016, they did not credit my account like they were supposed to. B of A told me that they ca n't give me back my money because it has been over 60 days. In my opinion B of A stole {$27.00} from me since they put in the second charge on XX/XX/2016 in error, and they did not credit me like they should have. A B of A manager told me that it was my fault that I did not get my refund, because I did not check my statement, I did not think that I had to monitor something that should have been done correctly.
Product: Credit reporting

TransUnion Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Product: Credit reporting or other personal consumer reports

Please see attached, I recently reviewed a copy of my report I was very shocked when to learn I have been a victim of identity theft ( see attached filled out form ) I found numerous inquiris on my creit report they were not open by me XXXX XXXX. This has been affecting me without me even knowing. I am in the process of purchasing a home for my family please remove the fraudalent inquiries from my credit report as soon as possible. 

thank you for your time.