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

As per FCRA Section 605, it is imperative to eliminate any items identified in Identity Theft Report # XXXX. This serves as a follow-up to my previous complaint, reiterating concerns that I have previously communicated and now including a new FTC report XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN : 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 XXXXXX/XX/XXXX. Please note the four-business-day deadline for the removal of these reported items resulting from alleged identity theft. I want to emphasize my non-consent to E-OSCAR or any form of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Public record- XX/XX/XXXX XXXXReference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent on XX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA.

Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate on XX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. Merchants Credit Guide- Account # XXXX, XXXX {$820.00} 2. XXXX XXXX -Account number XXXX, XXXX $ XXXX creditor : XXXX XXXX. 

3. XXXX-Amount $ XXXX creditors-Sprint- 4. XXXX XXXX-Acount should reflect PAID IN FULL.
Product: Checking or savings account

I supposed to revive a direct deposit from XXXX XXXX  and I havent got it because they say there was a problem and is the amount of {$450.00} they deposited on Wednesday XXXX to my Netspend skylight debit card the company told me they cant do anything because they already deposited. 
If I can get a call please ( XXXX ) XXXX. Or if I can have a number were I can resolve this problem please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion to dispute the incorrect items. 
2. TransUnion failed to remove or validate the items despite my clear evidence and dispute. 
3. I prepared a dispute letter to XXXX XXXX XXXX to request validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; AUTOMTD ACCT  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;
Product: Credit card or prepaid card

I am asserting that Synchrony Bank ( see attached letter dated XX/XX/18 ) has made a grossly negligent error or intentionally misleading statement of fact for limiting my approved credit for a Lowe 's credit card. Specifically : ( 1 ) The stated reasons for Synchrony 's limitation of credit are inconsistent with information provided by its listed sources of credit information ( XXXX and XXXX XXXX XXXX ). My XXXX credit report is spotless and my XXXX credit score is XXXX which places me in highest credit worthy category and in the top 10 % of credit users nationwide. For someone who takes great care in managing one 's credit, you can imagine my alarm when I read Synchrony 's justification for limiting my credit. When I contacted XXXX and XXXX, it indicated that there was no information whatsoever under my name ( same as business name ) anywhere on their system. Accordingly, the sources of credit information identified by Synchrony Bank in its letter does not in any way support its decision. 

( 2 ) When I attempted over a period of three days to resolve this with Synchrony Bank, it was ( 1 )unable to tell me specifically why my approved credit was limited beyond the three false or misleading statements. ( 2 ) unable to locate a copy of the letter ( see attached letter dated XX/XX/XXXX ) ( 3 ) unable to identify the division where the letter was generated or the contact person who made the credit decision. The reasons cited by Synchrony for limiting my credit are egregiously wrong and/or intentionally false. 

( 3 ) Absent the ability or willingness of Synchrony Bank to answer my questions or provide additional justification for limitation of my credit I assume the following : ( a ) Synchrony Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) with possible discrimination against me because of my age ( XXXX ). 
( b ) Synchrony Bank is in violation of Fair Credit Reporting Act ( FCRA ) because it has not identified the true source of credit information ( assuming it exists ) that I might use to verify the accuracy and completeness of the report and related credit decision. The information provided to date do not in any way support Synchrony 's credit decision.
Product: Credit reporting or other personal consumer reports

I

received a copy of my credit report and noticed some accounts I would like more clarity on some inaccuracies and inquiries I am unaware of. 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. 

Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct XXXX XXXX XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX Acct Name : XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXXXXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : 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 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.

These inaccuracies are stopping me from being able to get a new home for my family.
Product: Checking or savings account

Tried using a local ATM to make a cash deposit XXXX XXXXXXXX XXXX ATM number : XXXX ), but was unaware that you are not supposed to deposit across bank companies. The ATM went forward with the transaction and took {$480.00} in cash, then provided a receipt that states, transaction not allowed. It asked me to input the correct amount, which I did ( {$480.00} ). It then provided another receipt that states : deposit exception record. One or more deposit items were unable to be returned due to a technical problem. We apologize for the inconvenience.

I immediately went inside and spoke with a teller who told me they could not help because I was not a XXXX XXXX  customer and to call Chase ( my bank ). I then called Chase and was instructed to call XXXX XXXX. When I called XXXX XXXX  and spoke over the phone they informed me that Chase needed to start the dispute process so I could get my money back, that it was a Dispute Regulation E. When I tried Chase for the second time, I was told that because they can not see the transaction in another banks ATM, they have no way of helping me, despite me having both receipts and the ATM number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. 

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

LVNV funding LLC. or any of their affiliates are not licensed or registered in the state of Florida as a debt collector, or collection agency according to the NMLS Consumer Access website. LVNV Funding LLC NMLS ID # is XXXX, they are licensed and registered in 23 states, but Florida is not one of them, therefore I ask that they cease and desist immediately, and remove all tradelines from all 3 credit bureaus immediately.
Product: Checking or savings account

Over the past few months, I've had someone deposit money into my bank account and get a bounce, but no one has actually deposited the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with Experian several times about the inaccurate reporting. Experian has a responsibility to go above the original source ( creditors ) of information to conduct a reasonable reinvestigation under 1681 ( i ) ( a ) and do a independent investigation into my dispute which they failed to do. see : Cushman V. Transunion 115 F.3d 220 ( 3d Cir. 1997 ). Experians willful negligence has caused injury to my reputation creditworthiness, and mental anguish.
Product: Debt collection

Received a telephone call from Convergent Outsourcing, allegedly from a " XXXX '' area code number, at XXXX XXXX   on XXXX XX/XX/2019 asking for a person I don't know, has never lived with me, and to my knowledge has never had the telephone number I've had for years now. It's obvious to me they do XXXX diligence to ensure they're calling the right person - which is easy to do on a computer connected to the Internet in about 5 minutes. They don't care who they call and harass, including the innocent who have no debt. This is unconscionable and despicable. Until they feel the financial pain of engaging in such reprehensible and nefarious behavior, they will not cease.
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 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.
Product: Vehicle loan or lease

I had a situation with XXXX XXXX XXXX in XXXX CA. I came down and put XXXX dollars down on a used XXXX XXXX XXXX XXXX, the CCT was not done correctly, ended up being a good faith contract, for one the sum of all charges was incorrect, violation # 1, violation # 2 was the CCT requires it to be a cash in hand transaction, it was not. There fore by them breaking the contract that was written I am entitled to all the money financed and XXXX per violation of the contract and the property. The down I paid everything!. I will be thankful once I have a check in my hand to start to make this really long stressful process finally to rest
Product: Debt collection

I am a traditional XXXX recipient. XXXX refused me service on XXXX until I paid {$75.00} up front- which I did with a credit card ending in XXXX. 

XXXX refunded my cc payment for services rendered ( dos XXXX ) on XXXX XXXX on the original credit card ending in XXXX, then sold that debt to XXXX XXXX who reported it to XXXX. This process is called " Debt Dumping '' and as a consumer, I should not be penalized when a company REFUNDS my PAYMENT so they can claim a lower debt ratio on their bottom line. 
XXXX refused to remove it. 
XXXX claims ignorance. 
XXXX said I didn't owe it, then yes I do, then no I don't because of the refund- but sold it to XXXX anyway. 
While they finger point, my credit is tarnished. 
Meanwhile, XXXX gets to have its cake and eat it too by showing lower debt while in merger talks per XXXX XXXX XXXX XXXX and gets paid when they sell the debt! I've contacted everyone involved at least twice. No response.
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. 

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 and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

XXXX I have XXXX accounts that are fraudulent and should have been removed from my file along with a fraudulent inquiry. XXXX claims they received my FTC report # XXXX but did nothing about the fraudulent accounts with balances Inquries XXXX  XX/XX/year> accounts XXXX XXXX XXXX # XXXX balance XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX balance XXXX XXXX XXXX  # XXXX balance XXXX all of these are filed on the FTC report number above but were never handled properly.
Product: Credit reporting, credit repair services, 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. 

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

My former complaint was not resolved due to incorrect information. The other person who is XXXX XXXX with the same exact name but the first name is spelled differently and we have the exact same birthday. Our info in the Equifax has her name, and her social on my credit report. Equifax only removed the address which was my address and left her social security. I have screen shots as evidence that this is not my credit report. They have made a big breach with that mistake.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX.
Product: Prepaid card

I tried to use cards at both XXXX XXXX and XXXX and they kept denying, and taking XXXX cents off for each try. I called both American Express and XXXX XXXX  and was told that due to security implications that I would not be able to use any of the cards I have. I have around $ XXXX {$2000.00} and bought them solely because they advertise that they can be used online. Neither company was able to help me or offer a Solution, even after I explained that the reason I bought them was because I am temporarily housebound and need to be able to use them online.
Product: Credit reporting or other personal consumer reports

Disputed the items multiple times always came back k verified but never given proof from XXXX XXXX, equofax and XXXX. Been notified of multiple data breches where my info was apart of stolen info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my actual lease agreement to the company to prove fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.