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

To whom this may concern, I noticed Experian XXXX fails to provide legal documentation for proper verification of the inaccurate accounts it continues to furnish on my credit report. The inaccurate accounts are as follows ; Account # XXXX XXXX XXXX XXXX XXXX. Consumer law violations : Failed to provide XXXX documents to me for proper verification of accounts furnished on my credit report. 

LAST WARNING! IF YOU CONTINUE TO FURNISH INACCURATE ACCOUNTS ON MY CREDIT REPORT. I WILL FILE A MOTION AGAINST YOU WITH THE STATE OR FEDERAL COURTS! 

XXXX. Account shows XXXX late payments
Product: Credit reporting or other personal consumer reports

I have a XXXX  XXXX XXXX charge off credit card on my credit reports account number ending with XXXX that does not belong to me. I recently received my Social Security almost a year ago and tried to open my first credit card, but when I saw my credit report, there was an unknown charge of collection on my credit reports that is from 2020 which I dont even know. I tried contacting XXXX  XXXX XXXX multiple times, and when I give them my Social Security number they are unable to pull up anything. This means that this charge off does not belong to me.. I am already preparing a lawsuit against XXXX  XXXX XXXX and if XXXX and Equifax does not remove these charge off XXXX  XXXX XXXX from my credit reports, I am going to file a lawsuit against as well because this is a fraudulent identity theft charge, which does not belong to me.
Product: Credit card

The same day that I received my 2 separate credit cards in the mail, I also received 2 letters from the credit card company stating that they needed me to send or fax a copy of my identification. I sent in this information on XX/XX/XXXX via fax, the faxes were shown that they were completed and received. The company has now sent me a statement for the accounts that i can not access or even use the credit card for. I can not access my account whatsoever, therefore how am I supposed to make a payment? I have called multiple times asking about them receiving my faxes and they continue to tell me that they were not received and it takes 5-7 business days after the fax is sent for it to even show up in the system as it was received.

There is now an interest charge on both of the credit card accounts, they are both issued by the same company with different names. 
My fear is that they are going to say that my payment is late and they ding my credit for this problem even though there is no way for me to access either account to make any type of payment or even use the credit card that they have issued me.
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an Accounts passed on that should be taken out or Block. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX be removed / blocked from my report the account says it was opened XXXX, but the inquire says XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened date XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
Product: Debt collection

Pudget Sound Collections is threatening to take me to court for # XXXX Medical bill I am currently trying to resolve with the XXXX # XXXX XXXX XXXX for ( {$1100.00} ) XXXX for claiming a vehicle under my name was towed by them, the vehicle in question was sold in XXXX as well as never used any towing agency for any of my vehicles and I have made all the proper documentation sent to department of licensing that the vehicle is sold prior. I attempted to contact the agency several times over email and phone but no responses.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXXXXXX, GA XXXXXXXXExperian Dispute Department XXXX, Texas XXXXXXXX, PA XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX Recent balance {$2000.00} as of XX/XX/XXXX Date opened XXXX/XXXXXXXX Account number # XXXX Recent balance {$1300.00} as of XXXX/XXXX/XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX, FL XXXX
Product: Debt collection

None of the choices before this, matched my complaint. I chose the closest fit. 

I got a mattress as a " lease '' with Acima credit. I was not able to pay off in 90 days, at which time, the lease more than doubled. I was never sent or given a truth-in-lending, just a generic paper showing that the mattress was {$600.00} and I paid down {$100.00}. 

I contacted Acima three different times upon finding out the amount of interest they charge and told them to pick up the mattress. They refused, saying they needed pictures of the mattress, which I am not equipped to do. I told them by email three times to come and get it. It is now showing on my credit report. 

I feel this company does not operate legally. The complaints on their XXXX  page and XXXX page are reflective of this, with almost all customers saying they did not receive appropriate paperwork. 

I would like this removed from my credit report ASAP. If they want the mattress, they can still come pick it up. I refuse to pay {$1700.00} for a {$600.00} mattress, that several payments were paid on before seeing the amount they charge in interest.
Product: Credit card

I prepaid for hotel rooms on XX/XX/2024 for a hotel XXXX, XXXX using my Barclays ( XXXX XXXX ) credit card. The booking was for three ( 3 ) rooms with two queen beds in each room that sleeps 4 persons per room. Upon arrival at the hotel once we landed in XXXX on XX/XX/2024 I was advised by the front desk manager that there's no guarantee for my rooms and those rooms were no longer available and basically was not willing to assist in resolving the situation. The manager instructed me to cancel and get a refund I needed to send an email, which I did the next day. Credit card company dispute was filed the same night XX/XX/2024 and they closed my dispute in XXXX stating per Merchant I was a no show even though I sent them a picture of me in the hotel lobby with said manager in the background, documents of having to get another hotel for the SAME dates and correspondence between me and hotel about the cancellation and refund. I filed a second dispute after the original dispute was closed and submitted all my evidence showing that I was not a no show as claimed by merchant. Credit card company once again closed the dispute now claiming past time to file which makes no sense when I was instructed by their employee to then submit my proof to dispute what the merchant was saying. I have since contacted this credit card company several times requesting assistance since I am now being held liable for a service that was never rendered even though it was prepaid!
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
Product: Credit reporting or other personal consumer reports

XXXX XXXX as XXXX XXXX has repeatedly reported incorrect credit reporting on all 3 bureaus about my credit with them. From XXXX to XXXX this account was under investigation, constant dispute with payments and I currently have an active civil case with this company. All credit reporting should be " XXXX  '' they reported 120 days late in XXXX and XXXX incorrect as they received {$3500.00} payments for months XXXX, XXXX, XXXX and I have reported as incorrect and disputed it, all other months bear XXXX  as shown. 

Company should correct this my score went from XXXX to XXXX and now XXXX very low. There was no late payments EVER, payment was made as agreed under loan modification partial payment as agreed. Why is XXXX, XXXX, XXXX, XXXX reported as XXXX  and just XXXX and XXXX reported as 120 days late each month incorrect! This company does not do anything with fiduciary duty in mind very vindictive company. Please correct remove all late payments from all 3 credit bureaus as information is incorrect.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report on XX/XX/XXXX that there was hard inquires on my Experian Credit Report i dont reconize and i have a dark web exposure 10 times. The inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

MRS Associates continues to furnish information unaware items on credit file. Requested validation of contract and signature. Company failed to comply according FCRA Guidelines.
Product: Credit reporting or other personal consumer reports

XXXX Bank {$2000.00} loan ; Opened XX/XX/XXXX ; Term 36 months Closed on XX/XX/XXXX I reported this as identity theft to the FTC on XX/XX/XXXX as I realized that my information was compromised on the dark/deep web ; and this account wrongfully, unethically opened without my consent.
Product: Mortgage

Specialized Loan Servicing has lost one of my mortgage payments and will not provide a solution to the problem. On XX/XX/2022 I sent {$1500.00} to XXXX XXXX XXXX. This was the initial payment on our mortgage. XXXX XXXX XXXX then sold the loan to Specialized Loan Servicing and this {$1500.00} payment was sent to them in order to be applied for our XXXX payment. Specialized Loan Servicing is saying that they have not received this payment and as of today XX/XX/2022 it has not been applied to my account. XXXX XXXX XXXX has confirmed multiple times that this payment was submitted to Specialized Loan Servicing via ACH. XXXX XXXX XXXX sent the ACH confirmation to Specialized Loan Servicing on XX/XX/2022 and resent it again on XX/XX/2022. I have also sent Specialized Loan Servicing my bank statements as proof of all payments being taken from my account. Since they have not applied the initial payment I had to make an additional payment for XXXX in order to avoid any late fees. I have paid Specialized Loan Servicing directly for XXXX, XXXX, and XXXX. Those three payments have all been applied to my account, but the initial payment made to XXXX XXXX XXXX still has not. I have called multiple times and I have even authorized XXXX XXXX XXXX to call on my behalf which they have. We can not get any resolution to this problem. Every time they tell us it's being escalated but nothing happens. There have been multiple cases opened with them and they all get closed with no resolution and no real answers. This has been going on for over 3 months and I can no longer waste my time on the phone with them to get nowhere.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND XXXX XXXX TRANSUION, OR XXXX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies on my credit report where hard inquiries were made without my permission, violating 15 USC 16c-2. Kindly remove them right away.
Product: Prepaid card

I requested a refund by check by XXXX, who instead provided a pre-paid card for cancelled services. I attempted multiple times to initiate a transfer of funds to my bank account from the Northlane website, which administers the card, and the website always timed out with an error. I put it off for some time, then attempted the same process again seeing that Northlane had updated their website and changed names, and noticed that {$12.00} in fees had been taken out of my account. 

I never agreed to these terms and I was unable to initiate a transfer in a timely manner, which I explained to the company, and they have so far refused to initiate a refund on the fees taken wrongfully from my card. I was able to initiate a balance transfer in the new website for the remaining balance on XX/XX/year>, which they are now using as justification to not provide a refund to me of the fees taken.
Product: Credit card or prepaid card

On XX/XX/XXXX I was overcharged on my Visa card by the XXXX XXXX for a TV they claim I broke. The TV was not functioning well as we were trying to view it hence it was already broken but the motel manager tried to blame it on me and charged me for a total of {$300.00}. I then disputed this charge with the Best Buy Visa card sponsored by Citibank and after waiting two months for a resolution they told me I was responsible for these charges. the only supporting documentation they sent me was a copy of my registration invoice for XXXX XXXX  on XX/XX/XXXX and a copy of the detailed Folio from XXXX XXXX  of the broken TV charges. This seems wholly inadequate documentation on the part of my credit card company, it appears no real investigation of the charges were pursued. I never was informed of these charges by the motel and although they claimed that they sent me documentation of the repairs, I never received such by certified mail or any sort of mail.

My credit card company was made aware of this and apparently made no attempt to adequately dispute these charges on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX  ( XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  ( XXXX XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I financed two pieces of furniture from XXXX XXXX XXXX XXXX, and the credit card is issued through Synchrony Bank. As such, I made a payment to Synchrony bank in the amount of {$200.00} on XX/XX/2018, via phone with a representative. Per the representative, the transaction was successful, and this also reflected in my checking account. As a result, I considered the bill paid. 
Approximately two weeks later, I received a text message from Synchrony regarding collecting a debt. I was confused so I decided to contact Synchrony bank, and was told that the payment was returned to my account " due to an incorrect/invalid account number. '' I was even more confused as I did not provide an account number to the representative, and my checking account was not credited by Synchrony. All I provided to the representative was my name, social, home address, etc. I even spoke with a 'resolution specialist ' who did absolutely nothing to resolve the issue. I was going back and forth for hours and no one tried to help. So I decided to call my bank and was told what I already knew ... the money was NOT credited back to my account. At this point, I decided to call the number ( XXXX ) listed on the transaction via online banking. Sure enough, the call was connected to SYNCHRONY BANK! I informed the representative that I was calling the number that was on the transaction. To my surprise, the representative informed me that " we do not handle any accounts for XXXX XXXX XXXX. '' So, Synchrony basically took my {$200.00} and still expects me to pay the full balance. 

A few days later, I received a billing statement with the original amount ( the {$200.00} was not credited to my account ). The minimum due is doubled, and I believe there is also late payment included.