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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Purchased a Product from XXXX XXXX in XXXX. I used my Citi Card for this purchase. First charge was for XXXX on XX/XX/XXXX, second charge was XXXX on XX/XX/XXXX. Product was delivered and was extremely materially different from what was advertised. I emailed the merchant several times over the course of a month, and didn't receive any responses. I filed disputes With my Citi Credit Card on XX/XX/XXXX, case XXXX & XXXX, with all the information that Citi requested. On XX/XX/XXXX Citi requested that I return the product, which I did. I provided tracking to Citi, and the returned product was delivered on XX/XX/XXXX, with tracking - XXXX. Since then, on XX/XX/XXXX, XXXX XXXX went insolvent and shows on the XXXX XXXX website they are in liquidation, which I provided this information to Citi on XX/XX/XXXX. I have called Citi several times during the month of XXXX to receive updates, to which I am told, they have put in an urgent message to update me. I have heard nothing from Citi. Everytime I talk with them, they just tell me they are working on it. The information online shows these disputes should have been settled by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department XX/XX/XXXX I am writing to formally request an investigation into specific items on my credit report that I believe are reporting inaccurate or unverified information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I understand that I have the right to dispute any information on my credit report that I believe may be incomplete, inaccurate, or unverifiable.

The following items require your immediate attention : 1. Personal Information - Employers : XXXX XXXX XXXX XXXX - XXXX : XXXX XXXX XXXX. Accounts Reporting Potentially Inaccurate Information - XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 

Account Number : XXXX - XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Account Number : XXXX - XXXX Account Number : XXXX For each of these entries, I request that you verify the accuracy and completeness of every detail, including account ownership and reported status. If any of the information can not be verified or is found to be inaccurate, I request that it be promptly removed from my credit report in accordance with federal law. 

Additionally, I request a copy of my updated credit report reflecting the results of your investigation. Please also provide a list of all parties that accessed my credit file while these items were being reported. 

I expect a response within the legally mandated 30 days from the date you receive this letter. Please send your response and any related updates to the address listed above. 

Thank you for your time and assistance in resolving this matter. 



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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX 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 ) XX/XX/2022 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX CAP XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 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 XXXX XXXX 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

Ever since opening my Verizon Synchrony Bank credit card account back in XXXX of XXXX, there have been problems with making my payments by check through the mail. With my XXXX XXXX, payments are consistently received and processed with in 3 days of mailing but with Synchrony the payments are processed anywhere between 3 and 12 business days from the date of mailing. 

Recently, they charged me a late fee when I had sent the check a full 2 calendar weeks before the due date. I complained and they did reverse the charge, but still I have changed my Verizon billing to my checking account and will no longer be using the card. 

If Synchrony can not process payments in a timely manner they should not charge late fees.
Product: Credit reporting or other personal consumer reports

Lexington Law never provided service but took monthly dues
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorney General XXXX XXXX announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 

Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 

The deficiency on my loan has been waived and the balance on my loan has been forgiven. 

Please, delete this account from my XXXX credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

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

Section 623 ( a ) ( 6 ) if a furnisher learns that it has furnished inaccurate information due to identity theft.it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I
am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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

I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a XXXX XXXX XXXX  credit card that was opened under my name on XXXX XXXX, XXXX. However, I never opened this account. 

I contacted the XXXX Fraud department, and they told me that there was indeed an account opened under my name. 

XXXX told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing XXXX XXXX XXXX collection account that they say Im responsible for. Im also wanting this taken off my credit report from all credit reporting agencies. Im not disputing I once had a contract with XXXX XXXX ( later bought by XXXX ) Im disputing that I had a contract and or account AFTER XX/XX/XXXX when I moved out of the home to Arizona.I canceled my account and had them stop taking their monthly fee from my checking account in XX/XX/XXXX. At that time the account was paid in full and up to date. All equipment was left in the home. I never heard from XXXX again until XX/XX/XXXX, when I got a letter from XXXX XXXX XXXX collection company asking for {$560.00}. I tried looking for XXXX phone number to dispute it on my own but I cant find a company number and all XXXX XXXX had was the original contract from XXXX. Ive also disputed this with Experian, XXXX XXXX and XXXX. I have no bank statements showing money came from my account after XX/XX/XXXX and XXXX XXXX only sent me my original contract with XXXX.
Product: Vehicle loan or lease

My XXXX XXXX XXXX that Ive had for XXXX year, has irreparable transmission issues. XXXX has issued recalls on transmission issues with this vehicle. I was not contacted by XXXX notifying me of the recalls. As a result, my vehicle is now inoperable and XXXX is telling me they will not purchase it back from me or even allow a trade in. XXXX dealership is saying they will fix the transmission but I will be without a vehicle for XXXX months. They are not offering a complimentary vehicle or assisting with rental fees. I had to purchase a new car and now have a second car payment. I spoke with the lender for the XXXX XXXX and they are saying they cant do anything because XXXX is offering to repair the vehicle. 
I would like for XXXX to take the vehicle back and pay the remaining balance to the lender. Because XXXX did not notify me of the issues with the vehicle before it became inoperable, they are responsible for the manufactures malfunction.
Product: Checking or savings account

My banking account with chime was hacked. All my information was changed and my money is gone. The bank reports no record of me. They keep telling me to email them and refuse to assist as I am the owner on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 

Personal Information is attached on my FTC Report Telephone Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Data XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED APPLIED BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As well as any Inquiries that have been reported within the last XXXX Please understand I can only list from the file which I received from XXXX, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. 

I demand XXXX to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, You are Required to remove and block these transactions from being reported to my consumer report within 4 days. 

I advised XXXX to make sure they have my expressed written or verbal consent before reporting any personal or private info. 


Police Report Case # XXXX FTC Report Attached Notice of Furnishers w/FCRA Laws Attached
Product: Debt collection

On XX/XX/XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter ( copy enclosed ) because I do not believe I owe what you say I owe. This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) :  Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. 

They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan and being denied on other credit requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report theres a company ( JHPDE Collection agency ) reporting I owe money to XXXX XXXX, I never had any card or any Association with XXXX. Im not sure where this charge is coming from but I need them to remove & prove I owe any debts with my signature. I only come to find out about this company ( JHPDE Collection agency ) because I have a company ( XXXX ) working on my credit currently.
Product: Credit card

I noticed this account it do not belongs to me it is hurting my credit
Product: Credit card

HH Greg via Synchrony Bank has issued store credit cards in my name that were fraudulently issued to someone else as store credit. HH Greg is the focus of this submission. Syncrony Bank has frozen the account and will be sending me information but this is a follow up to fully document the incident. I have not filed a loss as yet since the representative I spoke with assured me they would be clearing the account from my credit history. I first became aware of the fraud when I received a billing statement on XXXX XXXX, 2015 and called them immediately. I am not claiming a loss on this submission giving Syncrony Bank/Financial Services the opportunity to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) am currently in the middle of buying a property, when my lender ran my credit score I came to know of a non-authorize/fradulent account under my name with XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX I tried calling them XX/XX/XXXX and once again today XX/XX/XXXX gave them all the information possible ( phone number, address, ssn, name and date of birth even account number showing on credit report ) and they/XXXX XXXXXXXX were still unable to find the account. 

They XXXX XXXX did confirmed they will open an investigation.
Product: Credit reporting or other personal consumer reports

I received notice in the mail that Comenity Bank will be closing my XXXX XXXX  store card on XX/XX/year>, due to the company going out of business due to bankruptcy. My account has been paid on time for well over the past year. There were missed payments prior to my account becoming current due to COVID and loss of income. Six months ago, I noticed that my credit limit was decreased by Comenity out of the blue. Now, I am being told my account would be closed. I am asking for a goodwill deletion of all missed payments being reported to the credit bureaus. This is the only card that I have as revolving credit and closing it will allow my credit score to drop. I may have had financial issues in the past that were beyond my control due to the pandemic, however, we all do, even corporations just as XXXX XXXX. I am asking for the missed payments to be removed from my account as I have worked very hard to maintain on time payments. I may not be fully aware of the financial troubles XXXX XXXX may be facing, however, I am asking that they understand my previous financial troubles as well and grant the removal of all missed payments before closing my account. Please understand that doing a good thing for your long term customers can help aid the healing and financial growth of possibly maintaining the corporation. This deletion would increase my chances of becoming a homeowner and still utilize the remaining stores to furnish my home. Please take this into consideration before closing my account. Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting for the original copy of the agreement & terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items. You are required to do what Im asking & block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX {$730.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$410.00} XXXX  XXXX XXXX Opened XXXX XXXX {$66.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Debt collection

I received a call from my Human resource officer, that I need to call XXXX XXXX XXXX XXXX XXXX, regarding a summons. I called them and they said that I owed a debt from, XXXX, their words, not mine. I then asked for proof of the owed debt, the gentleman named XXXX, then told me that I would be served at my work. I then asked him to serve me at my home address and he refused, and threatened me saying that I would be served at work. He then told me all of my personal information like my SSN, DOB, and wife 's name. Almost like he was trying to claim he had too much information on me, so that I would comply. He then threatened to call my wife 's work and serve her with a summons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research. 

Below are the accounts I asked to be validated Name of Account Account # XXXX 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 the Fair Credit Reporting act the above accounts has violated my rights. 

15 U.S.C 1681 sectjon 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. Sec. 168li ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted. 

Please note that XXXX account, with XXXX account number and the XXXX XXXX  account with account numbe XXXX just need the Late marks removed.
Product: Credit reporting or other personal consumer reports

I have this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my equifax credit report and I have never lived at this address this is not mine in no way form or shape I also have several unauthorized inquiries on my credit report that I did not give permission to to run or obtain information off of my consumer report I filed a complaint back in XX/XX/XXXX its been past 15 days I would like a removal of the unauthorized inquiries and address off my consumer report.
Product: Checking or savings account

Between 2011 and present, I was charged high overdraft fees by Wells Fargo.