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

Let me once again outline what action needs to be taken. Since you have not validated the above referenced tradeline within the given timeframe, you are to immediately delete this incorrect account, in the form of a Universal Data Form, from files with the three major credit bureaus ( XXXX, Experian, and XXXX  ), and fax proof of the deletion to me immediately! 

Furthermore, since you are unable to validate this tradeline, it is lawfully assumed that you are unable to verify this account with the credit reporting agencies as well. 

Also note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( Nelson v. Chase Manhattan ). 

Please be advised that failure to comply with my requests will result in a lengthy and expensive legal battle with your company. Considering that you are not located in my state, you will have to appear here or retain outside counsel to defend your interests. This matter can be resolved without such action. 

For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action as necessary. 

Thank you, and I look forward to your resolving this matter expeditiously, as time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act : XXXX XX/XX/XXXX XXXX Inquiry, Credit XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA Fraud Inquiry XX/XX/XXXX XXXX XXXX XXXX Fraud XXXX XX/XX/XXXX XXXX  FINANCIAL FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX BANK NA /FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY XX/XX/XXXX Bank of XXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX XXXX  FIN/FRAUD INQUIRY XX/XX/XXXX, ARKANSAS XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XXXX XXXX XXXX XXXX  FIN/ FRAUD INQUIRY XXXX XX/XX/XXXX, ARKANSAS XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Bank of XXXX FRAUD XXXX # XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX # XXXX XXXX  XXXX/ FRAUD XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX  CCARD/ FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX  BK/ FRAUD INQUIRY : XX/XX/XXXX XXXX FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX ARKANSASXXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX/ FRAUD INQUIRY : FRAUD INQUIRY : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/ FRAUD INQUIRY/ XX/XX/XXXX XXXX/XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : ACCT # XXXX, XXXX XXXX FRAUD ACCT # XXXX XXXX / FRAUD ACCT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, TransUnion and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any written or verbal authorization to ascertain an inquiry.
Product: Debt collection

I mailed a certificate letter to LVNV Funding LLC on XXXX asking them to mail me debt verifications documents and they had 30 days to do so or delete the account from my credit Profile. 
They failed to mail me the documents I was requesting and continue to report on my credit profile Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection practices Act 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is required. 

Act # XXXX Act # XXXX XXXX ) I ask for my original contract that was signed with my wet signature on it. 

XXXX ) explain and show me any documents that I agreed to pay what you say I owe And other debt verification documents that I requested base on the pursuant of the 15 USC 1692g Sec 809 ( b ) Also I never received a XXXX for debt that is more than {$600.00}. Which is a violation of the law and the so called debt was charged off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XXXX XXXX, 2022 a company called " WESTLAKE SERVICE INC '' ran my credit. I did not authorize that inquiry. This inquiry has caused my credit score to drop and I fear that my identity may have been stolen.
Product: Credit card or prepaid card

We attended a Wyndham Sales pitch on XXXX. After presentation they did their sales pitch, we were intrigued and we allowed them to run our credit to see what we were pre-approved for, kinda like what you would do while car shopping. They kept pushing us to agree to put it on a credit card. I clearly even told them I dont like racking up credit cards. 
We ended up not going for it because of the financial timing, with us trying to buy a bigger house in the next 2 years. Flash forward to XXXX when we are back home. I receive a letter of the pre-screen/pre-approval for a line of credit which I expectedand my husband received a Barclays XXXX credit card with a XXXX limit. At no point did we agree to opening a credit card or fill out an application. 
Ive called Barclays which said they can just close the account, which would now double hit by husband credit. Since that credit card Wyndham fraudulently opened, did a XXXX point deduction! I called the Wyndham Vacation but of course their managers and sales department were not in.. @ XXXX on Monday..ya sure. Ill be waiting on a call back from them. 

After we declined their sales pitch, there was no other paperwork given to us.
Product: Debt collection

I submitted a final payment to Portfolio Recovery Associates, Llc on XX/XX/2020, via electronic check. My bank has verified that payment was received by them on XX/XX/2020. The company has not updated my account as paid, has reported a late payment to at least one of credit bureaus, and has blocked me from viewing my account details online through their website. I have repeatedly asked, via email, for them to help me with this matter. I have expressed to them that I do not wish to discuss this matter over the phone, and have requested to be contacted via email, but they continue to tell me that they can't do anything.
Product: Mortgage

On XXXX/XXXX/2014 an ACH Payment was deducted for my XXXX mortgage from my checking account from Ocwen Loan Servicing LLC ( Ocwen XXXX. They stated that they did not receive it.I disputed the claim and the Virginia XXXX XXXX XXXX XXXX assisted me with process. I sent Ocwen another payment for XXXX via a certified check from the XXXX Bank. Ocwen stated that they did not receive this check.I had received a copy of the back of that check showing that it was cashed by Ocwen and they still denied receiving the payment. The mortgage payment eventually with Ocwen after my mortgage was transferred and closed to another provider. I was sent a Check for {$3.00}, XXXX dated XXXX/XXXX/2014 from Ocwen with no letter of explanation. During this process Ocwen placed a late payment notice on my credit report. I file a dispute with XXXX ( report number XXXX XXXX to clear up the error. Ocwen refused to remove the late notice from my record.
Product: Checking or savings account

XX/XX/2021 XXXX I deposited approximately XXXX dollars into the local chase atm. The money was ate by the atm, a big red box appeared that said erro and coughed up this receipt ( see attachment ). I called Chase filed a claim, they get back to me and tell me the claim was closed and no money was ever deposited into that atm. 

I am beyond frustrated and upset at this.
Product: Credit card or prepaid card

Last XXXX I received a pre approval letter for a discover credit card I thought that I was applying for the one that they advertise all the time no annual fee cash back I applied and gave them all my info and never heard back from them so I figured that I wasn't approved and went on with my life until XX/XX/XXXX when they withdrew {$200.00} from my bank account I immediately called them and cancelled demanding my money back they claimed that it was too late and that I would receive the debit card in two weeks I already have a debit card through my bank so I went to my bank to despurt the charges and then called back discover to tell them and I. Was told that they would be cancelling my account. But because I had paid bills thinking that {$200.00} was there I ended up over drawing my account and got charged {$33.00} and now I'm in the negatives {$9.00} I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & Experian are different, this means the account has not been properly verified. Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I saw that Experian had reported a collection XX/XX/2021. This collection went violated my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 they said acquired this debt from a medical facility.
Product: Credit card

XXXX Mastercard offered by the crooks of Synchrony Bank REFUSES TO UPDATE MY ADDRESS! 

CAN NOT UPDATE ONLINE OR BY PHONE. Deal with it - I XXXX MOVED! If you want me to get your mail, FIX MY ADDRESS
Product: Mortgage

On XXXX XXXX 2015 we had a bad storm damage our house and completely destroy our shop. We had our inspections and the insurance XXXX sent out the checks for the claims. We had to sign the checks and send them to the mortgage company -Nation Star. We still to this date have not gotten the money back. We got the roof, window and all the debris removed on our own dime ( other than the roof we got a check from them for that ). So we sent in our receipts and got a 100 % done inspection done by their investigator and still have not gotten any money. As advised by our lawyer we have not paid any mortgage payments for the last few months. We have asked for inspection report and have jumped through every loop given to us but we still have not gotten anything from them. We signed a letter stating that the past mortgage was to be taken out of the money owed us then the remainder was to be sent in a check XXXX. Every single time for this almost full year we have done what they ask of us and they are making money with money that is due us.
Product: Credit reporting or other personal consumer reports

I have tried many times with debt from 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct DOB is not reporting on my credit report. 

XX/XX/XXXX Multiple addresses are reporting on my credit report. 

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

I am writing to express my deep frustration and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to adversely affect my credit history, causing me significant distress and financial harm. 

I first identified the fraudulent items on my credit report. Since then, I have consistently reported this issue to your agency and provided extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. This delay in addressing the issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An extensive investigation into the origins and validity of these accounts, which I believe to be the result of identity theft.

Immediate removal of these fraudulent items from my credit report. 

An explanation for the protracted delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Student loan

I periodically have to have my university file paperwork with Fedloan servicing to prove Im taking graduate courses and am eligible for loans deferment. While I understand they need proof, in the time it takes them to process the request, my loans accrue interest that I have to pay and they dont reverse it, even if they were informed of my classes starting at an earlier date. Most recently, however, after my school filed the paperwork, they placed my subsidized loans into forbearance when they should be in deferment. Theyre illegally charging me interest on my loans. Their customer service and response times are HORRIBLE. I feel helpless when dealing with them and they know theres nothing I can do about it. Its easier to just pay the interest but its infuriating to know they get away with this. I can only imagine how much they profit off of illegally collecting interest when individuals like me are eligible to not pay interest. They really need to be investigated and held accountable!
Product: Money transfer, virtual currency, or money service

some wages I have not received, as stated originally when using the XXXX XXXX  i should have been able to immediately receive. fees had to be paid to receive my earned wages and I am just now finding out that wasn't allowed legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX  , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  credit score.  I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue stress of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from Experian and I was shocked to see the previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX  XXXX XXXX ( ACC NO : XXXX* ) and XXXX  XXXX XXXX  ( ACC NO : XXXX* ) fraudulent accounts were disputed and deleted in XX/XX/2019. However, Experian reinserted the fraudulent accounts after two months without notifying me.
Product: Debt collection

I WAS BILLED BY AMERICAN WATER FOR THE XXXX XXXX XXXX WITH NO INFORMATION OF THE CITY AND ZIP CODE PROVIDED FOR {$1400.00} WHICH I NEVER EVER LIVED AT THE SAID PROPERTY AND WHICH I NEVER OWNED AND IT WAS DATED XX/XX/year>. 
AROUND THAT DATE I HAD JUST COME TO THE US AND HAD NO BANK ACCTS AND ALL I NVER LIVED AT THE PROPERTY. THIS IS A FRAUDENT BILL WHICH I HAVE REPORTED TO THE POLICE WITH THE INCIDENT NUMBER XXXX.
Product: Debt collection

this was recently submitted to you through this cfpb complaint system and your previous notes were that you were going to remove the account XXXX from cfpb case number XXXX you stated that you would remove the item from the credit bureaus but it is still reporting on my equifax this needs to be removed asap as this is a fraudulent acount
Product: Credit card

I applied for a credit card with Old Navy, the clothing store on XX/XX/24. After weeks of waiting for the credit card in the mail, I called the Barclays Bank and the person on the other end sounded like they were in a noisy bar or mall. I waiting for more than 15 minutes after punching in my information in the IRV or automated system, which is very limited on the amount of options available, there were no options to speak with a live agent until after about 7 minutes punching my personal information in a system that I have lost my trust with. After 5 phone calls and over an hour later, I ask to speak with an agent from United States, and the agent on the other side stated he was transferring me to someone in the state of Delaware and his was XXXX, but this representative still had a XXXX accent, which tells me I was just transferred who has a better American accent LOL. When I asked about the APR, he told me it was 34.49 %, according to the Usury Laws in these United States of America it states that any loan over 29.99 % is illegal. I would like this investigated and somebody to please contact me about this issue and how I can protect myself.
Product: Credit reporting or other personal consumer reports

today I check my credit report and I found some error account or information on my credit report. 

here the accounts and inquiries : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX How are you reporting late payments if I am protected by the Cares Act. 
Please Update to Never Late XXXX XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX XXXX Inquiry Date : ( XXXX ) XXXX, XXXX XXXX XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX, XXXX ( XXXX ), Inquiry Date : ( XXXX ) XXXX. 

please see the Attach documents. 
thank you.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can NOT be reported on a consumer 's report. In addition I am experiencing financial hardship and unable to obtain a loan or housing due to the deragotary marks on my credit report and ask that the information be corrected. In addition according to the FCRA information reported has to be accurate this is not my first time saying this so I will be providing proof with screenshots of my report. Clearly the dates don't match so any inaccurate informaton needs to be deleted NOT updated once the company becomes aware of its mistakes.
Product: Other financial service

In hearing that Lexington Law would help clean up my credit report, I obtained their services. In XXXX of 2015 till XXXX of 2015, paying {$99.00} a month fro service. 
Each month at the beginning I would receive a tex an email stating that No new information was sought. However right after XXXX Law retieveing the payment, I would get a XXXX an email stating that documents were removed from my XXXX credit report. From XXXX till XXXX I kept believing thinking that they were truly clearing my credit up. 
Well on XXXX XXXX, I went to apply for an apartment as my family and I are homeless, when they ran my credit, I still had the same score that I had when XXXX Law started my case in XXXX. Making sure that they were paid to help, has truly left me speechless. Please if there is any way that XXXX Law can contacted and repremended for all the monies that they are stealing and not providing the service that they say they will. 
This was not fair to me, and its not fair that they stole my money and did not help. Please make sure they are listed as Fuad and scam artist, so no other people will suffer like me. Thanks You
Product: Money transfer, virtual currency, or money service

I used the web site Remitly.com to transfer {$100.00} to my father in XXXX. The company deducted from my XXXX XXXX   account {$100.00} ( money to be transfered + fees ) on  XX/XX/2020. The company said that the money would be delivered to my father on XX/XX/2020. On XX/XX/XXXX I  received a text message and an email from Remitly.com saying that the money was delivered, however, I contacted my father and he said he has not received this money so far. On XX/XX/XXXX I sent a complaint email to XXXX asking for help, but they haven't replied me so far. 

The transaction number is XXXX XXXX XXXX XXXX. 

thank you.