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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$430.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX Date Opened XX/XX/XXXX Balance {$340.00} **Inquiries** XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED ( Government ) 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 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

Equifax poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but Equifax still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}
Product: Credit reporting or other personal consumer reports

This debt collection agency has been a complete disaster. An erroneous account has plagued my report for over a year. I left a XXXX review detailing my ordeal, they conducted an unauthorized hard inquiry on my XXXX report on XX/XX/24. They lacked any valid reason for such an action, as I never provided written consent or engaged in any transactions with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, INC did not come close to answering my question about why they reported a zero or a N/A to creditors of mine for a loan. Not a friggin credit score that was done months ago. Cut the XXXX and explain why i am paying a XXXX load of money I shouldn't be. I am sending this complaint to the attorney general of Washington state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried making a change to my account online and found my account in delinquent status, no attempt to contact me was done. I still live at the address they have on file, and all my contact information is the same and current with information they have on their site.I was never contacted to be INFORMED and provided an opportunity to make an immediate payment and get this sorted much sooner than it did. They have correct phone, email and home address and they didn't use any methods to alert me to this tardy payment. 

In addition I would like them to remove the only other late payment on record XXXX XXXX  per the CARESACT I was unemployed. I sent them a letter with no response. 
Thank you
Product: Money transfer, virtual currency, or money service

I used Western Union to transfer money to a consultant in XXXX on XX/XX/XXXX using a bank account which indicated that the funds would be available on XX/XX/XXXX. 
On XX/XX/XXXX the receiver was not able to pick up the funds and when I called WU they informed me that there was a technical issue at their end and they will resolve this within 24 hours. On the online account it was still showing " In progress '' on Monday XX/XX/XXXX. I called WU at XXXX XXXX EST and was on the phone for an hour, the agent suggested I do a debit card transaction and that she would give me a promo code so I would not pay more than the bank account transfer fees. When I attempted to complete the transaction, the fees were reduced 50 % and this would make me pay {$56.00} ( {$25.00} more than the bank account fees ). I called WU again and explained the situation from the beginning. The agent seemed willing to help, after a long wait for her supervisor she managed to tell me that she could waive the whole transaction fees and that in order for that to happen I would have to go to a specific WU agent " XXXX XXXX '' to make the payment and gave me a temporary tracking number. Although there are numerous WU agents closer I had to drive 14 miles to this specific location. When I gave them the number, it wasn't on their system. They called the manager who was extremely helpful and asked me to call WU, after explaining the situation for the third time to WU, they gave me a phone number " agent assistance line '' and requested that the XXXX XXXX manager call them. He called them and then they requested to speak to me which they did and at the end the agent said she had resolved the issue and that WU customer service will call the " XXXX XXXX '' manager to direct him on how to complete the transaction. WU called the " XXXX XXXX '' manager and informed him there is no way to waive the transaction fees. It was XXXX XXXX ETS and the issue had not been resolved. I had to complete the transaction online and pay the full fees for the transaction and wait another 5 days for it to process. 
This is the temporary transaction number I was given to use at the " XXXX XXXX '' agent : XXXX. The original transaction number is attached in the documents below, as a screenshot of the transaction that was cancelled by WU in order to resolve this issue.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Personal information is incorrect adresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit experian kicks back a message that the validated the information.its not feeling along with research that has been done that experian hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.
Product: Debt collection

Perfection Collection in  XXXX  Utah has put a collection notice in  XXXX  of the  XXXX  credit agencies against me, but I 've never received a written notice of debt from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid off Comenity Bank - XXXX account - to a XXXX balance and have NEVER used their card ever again. I had both called the bank and wrote them a letter that the account had been paid in full and would no longer be used because I didn't agree any longer with their interest being charged. I thought that was the endd of it until last week. 

I was checking my credit report and discovered that as of XX/XX/XXXX this bank had norified the credit bureaus that the account had been closed - thus I received a XXXX point drop in my credit rating because of a CLOSED account. 

This account was PAID OFF IN FULL, not closed by the bank. This MUST be corrected immediately.
Product: Credit card or prepaid card

I paid my monthly statement, but its showing as debt carrying over.
Product: Prepaid card

On XX/XX/year>2024 my card started being declined, I called the issuer and was told that it was suspicious that I was trying to use my card and the system didn't give an option to fix it. On XX/XX/year>2024 after two uses the card again says that it is declined, I called the issuer again and was told that they can't do anything about it so I should use another form of payment. As they have my money in my account there is no reason I am being deprived of my own access to my funds. As this is causing significant hardship and even denying my access to my required medication I have no recourse than to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company that i do not have a relationship with and know knowledge of that is reporting on my consumer report. i have disputed with the credit reporting agency Multiple times and still just a vague response saying its verified. The company XXXX XXXX is who i am speaking of. I do not have a relationship with this company whatsoever. As a consumer i know i have a right to privacy. Also Pursuant to 15 USC 1681b ( 2 ) i know a consumer reporting agency may furnish a consumer report in accordance with the written instructions to the consumer to whom it relates. I did not give the creditor nor the credit reporting agency permission to put this inaccurate information on my consumer report ( Experian ) and would like it removed immediately.
Product: Credit card or prepaid card

Application Reference Number : XXXX On XX/XX/2021 I walked into a XXXX XXXX XXXX  located in XXXX, Oklahoma and applied for a JC Penny credit card at the counter. The Sales person was instructed to call somewhere and get further verification. I was handed the phone and gave all information pertaining to the application. I was then told that further review was needed and it would be 7 days before a decision would be made. 

I would agree with this process if " all '' who applied went through the same experience. But, this is not the case. I know other JC Penny customers how had no issues and were approved at the time of purchase. My complaint hinges on the fact that I feel Discriminated against. I understand everyone carries a unique credit history but I also know my credit history is just as good or better than those who have no problems getting a JC Penny credit card. 

On XX/XX/2021, I called to follow up on my credit approval status and after many calls I finally spoke to a Synchrony Bank supervisor in the Account Specialist Dept. named XXXX ( XXXX ID XXXX ). I politely conveyed my feelings about being singled out and just wanted to inquire as to why? XXXX just kept repeating that it would take seven days for review and there was nothing else she could offer me. I just wanted to learn why and what problems existed to subside any feelings of discrimination. 

My complaint is that a JC Penny credit approval process should not take 7 days to complete. Not in today 's real-time processing environment. If indeed, this is Synchrony 's Bank policy, it's discriminating. Not in the approval or denial decision but in the time this decision is made. The decision " time '' I believe is the discriminating factor here. It's therefore, I'm demanding a decision be made in the next 48 hours as of XX/XX/2021 XXXX pm XXXX
Product: Debt collection

The company has failed to provide me with the original signed contract or agreement related to this debt from the original creditor. Nor have they provided me with anything other than a threatening letter to sue from a company to which I have zero affiliation with.
Product: Credit card or prepaid card

On XX/XX/XXXX ( Sunday evening ) I noticed several charges to XXXX when I logged into my PayPal account. Neither my wife nor I had ordered anything from that company, so I then looked back over all the charges for the last few months. I found 38 charges in XX/XX/XXXX. and XX/XX/XXXX. to either XXXX or XXXX XXXX ( 1 to XXXX ) that we had not made. I also found 2 other curious facts. 22 of the charges had been refunded, usually days later and not in the order they were charged. Some transactions had 2 or 3 pairs of debit/refunds with the exact amount ( ex. 3 pairs of {$22.00} ). Also, all the charges were made with our PayPal Debit Card, not the standard PayPal process which requires a password every time to initiate. The reason I had not noticed these transactions before is because I normally log into PayPal only to check my balance. Every normal PayPal transaction is followed by an email from PayPal to me indicating the transaction. Therefore, I look at the emails carefully to verify that I recognize every charge. Since opening this account in XX/XX/XXXX, I have never seen any anomalies. PayPal did not email me about any of these invalid 38 debits. Apparently, by default, they do not email Debit Card transactions, but I was not aware of that since we had only used the Debit Card a total of 8 times since receiving the card. The last usage was on XX/XX/XXXX. I don't like using debit cards and neither one of us has used it since. I immediately contacted PayPal and disputed these transactions. On XX/XX/XXXX ( Tuesday morning ) I received an email from PayPal rejecting 37 of the claims. They accepted the one from XXXX which was for XXXX cents. On XX/XX/XXXX in the afternoon ( about XXXX ), I talked with their Debit Card department and gave all of the above information to the service person who said the case  would be reviewed. A few hours later the same day I received a second denial of the disputed transactions. In addition, they also sent me an email accusing me of violating PayPal 's policies and threatening to close my account. In effect, they were saying that I was trying to defraud them!
Product: Debt collection

I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called caine weiner who told me i dont owe XXXX XXXX and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in XX/XX/XXXX that is still open and its XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit freeze lifted with Equifax but when they ask me security questions to verify my identity they keep asking me about accounts, credit lines, mortgages etc. that are not mine. I have to answer " none of the above '' to all questions because none of them are related to my credit history, and then I get denied access to my account. I have tried talking to them over the phone as well but no one is willing to help me. So I am unable to lift my credit freeze. Seems like they have mixed up my report with someone else 's but they refuse to help fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. Transunion commissioner # XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX I will be filling form 211 treasury omb forms to audit consumer account. Transunion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I sent out disputes to experian, XXXX, and XXXX. They keep updating the information instead of removing the inaccuracies.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my XXXX but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Recently TD Financing/ Bank ( specifically for me - the XXXX XXXX card ) has switched from a website 'onlineaccessplus ' to 'mytdfinancing ' with no warning. The completely disabled the previous website. I go to enter my information in the website it redirects you to. It says my password has expired and to request a new one. I try and it says account not found. Try with card number. Also says account not found, please contact customer service. No problem, you'd think however i have called them numerous times for the past week, on every phone number i can find for them, including obviously the one posted on their website. Have waited for over 90 minutes multiple times everyday starting on XX/XX/year> and have yet to been able to get in contact with anyone! I'm not even sure it directs to a call center and is not just an endless loop of the same song! I have payment due and missing it will negatively effect my credit but i have no way of making one! It ridiculous and this can't be legal. How can you switch website, lock out an account by saying the password expired and then have no customer service and still have the right to report a missed or late payment on someone credit report? I can provide proof of my attempts to contact them and screenshots of the wait times. I honestly dont even know what to do, i just want to reset my password so i make a payment. Literally have no missed payments on my credit report or at all before this.