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

XXXX XXXX Synchrony Bank reported on my credit report that I had a charge card and then they ended up closing it in XXXX which i had no knowledge of having that card or knowing that they closed it. i called synchrony bank which is the bank lender for care credit on XX/XX/XXXX. I was on the phone with the representative named mark at around XXXX. They let me know that they had no contract of me getting that charge card so I let them know that they were unfairly reporting on my credit report and that is not the law. They agreed to remove the charge card from my credit report in up to 60 days and also sent me a letter letting me know they were going to contact the credit bureaus and it would be removed. It is now XX/XX/XXXX and it has yet to be removed. I have called XXXX, XXXX and Synchrony Bank multiple times since XXXX of XXXX and it has still yet to be removed which means they are not fairly reporting to my credit.
Product: Credit card or prepaid card

On  XXXX / XXXX /   2017  in the morning. A criminal was using my credit card to make various purchases. I had my physical card in my wallet at the time. I do n't know how the suspect received my credit card number. All transactions were resolved and card account was closed.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 and UCC Article 9 601-628 XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

I contacted the company ( Convergent ) to have the debt validated. I am unaware of this debt. They sent a bill with an unknown phone number listed. There is no proof that this debt belongs to me.
Product: Student loan

My student loan service provider is Navient. Navient took over for XXXX XXXX XXXX. I paid on my student loans for years. I graduated in XXXX from grad school. All of my payments that were made since graduation is not in my payment history, in particular any payments made between XXXX - XXXX. 

A fair resolution is proof that I have been paying on my student loans since my graduation in XXXX. I was wrongfully denied the IBR program under XXXX XXXX XXXX. I want my accurate history, that I have been in the IBR program since at least XXXX, which is 18 years.
Product: Checking or savings account

I was supposed to receive my deposit on XX/XX/year>. Capital One said they have an outage with a third party vendor and my deposit is not available. It's XX/XX/year> at XXXX XXXX and it's still not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a natural living person and no credit repair organization represents me. 

On the XXXX XXXX  XX/XX/2022, I filed a complaint on the CFPB website with the following ID number : XXXX and labeled Incorrect information on your report. This report was in regards to the multiple names and addresses that were displayed on my profile. 

I was not able to provide the actual names and addresses within their platform due to privacy reasons and CFPB guidelines. 

Experians response stated the following : " Unfortunately, we are unable to process your dispute or disputes, as it is not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. 

On the XXXX XXXX  XX/XX/2022, I sent a notarized letter via certified mail addressing the inaccuracy of the names and addresses being displayed on my consumer account. This letter was accepted by one of your agents on the XXXX XXXX XX/XX/2022, but to this date, no action has been performed on your end to remove this information ; Nor did I receive a time frame of when an investigation will be commenced in order to rectify the issue. This is extremely concerning, especially after providing Experian with three forms of appropriate proof of identification within the letter. Reference CFR 1022.123 ( a ) ( 2 ) and ( b ) ( 2 ). 

The following ID numbers correspond to the names and addresses that are not legally connected to me. XXXX, XXXX, XXXX, and XXXX. 

I am demanding an investigation for the immediate removal of that information from my consumer profile as I am very concerned with Experian 's method of verification and accuracy of information. Furthermore, I'm unsettled with the integrity and safety of my consumer account. The inaccurate information being placed on my consumer profile has negatively affected my integrity, reputation, and creditworthiness. 

Lastly, pursuant to CFR 1022.130 ( a ) and CFR 1022.130 ( j ), I am requesting my Annual File Disclosure be mailed to my correct address. As I have the right to choose the method of communication and request this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on Equifax a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a consumer claim regarding the unauthorized access and misuse of my student loan debt information by XXXX, its XXXX XXXX XXXX, and his affiliated entities. According to multiple online sources, including news articles and blogs, XXXX and its representatives have illegally obtained sensitive financial and personal information belonging to millions of individuals, including myself. This breach constitutes a violation of federal privacy laws, including 18 U.S.C. 1028, which explicitly prohibits the unauthorized use or transfer of another person 's identification. 

Details of the Breach & Violation of Privacy Rights Reports indicate that XXXX XXXX 's cloud data center, along with his network of companies, unlawfully accessed Treasury Department payment systems that store highly sensitive consumer data. These systems contain personal identifiers such as : Bank account numbers Social Security numbers Credit card details Date and location of birth Physical and electronic mailing addresses Personal cell phone numbers Bank routing numbers Household income, assets, and liabilities Employer contact information Drivers license numbers Usernames and passwords The Attorney Generals Office recently announced that the Treasury Department has temporarily blocked additional members of XXXX from accessing its payment systems in response to a lawsuit filed by union groups. This lawsuit alleges that millions of Americans ' financial and personal data have been compromised and misused, further confirming my concerns about the security and legality of this breach. 

My Status as a Victim As a result of this unlawful access, I am now a victim of identity theft, with my financial privacy compromised without my consent. The exposure of my personal data not only violates my rights but also increases my risk of financial fraud, unauthorized transactions, and further misuse of my identity.
Product: Payday loan, title loan, or personal loan

I've contacted Greensky several times requesting an amortization schedule for my loan and their representative XXXX XXXX no surname ) refused to provide and refused to allow me to speak to her superior. 

XXXX Customer Solutions Account Manager Office : XXXX Ext. XXXX Monday to Friday : XXXX XXXX  to XXXX XXXX  I WOULD LIKE TO HAVE AN AMORTIZATION SCHEDULE FOR MY LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : When I tried to get the free annual credit report from all 3 agencies off XXXX I was only able to get it from XXXX  and XXXX, but not from Equifax. The webpage said I needed to download a form and send it in with a copy of my SS card and Drivers License or one of several other personal documents. I don't feel comfortable sending that information by mail or by fax. 

This is the second consecutive year that this has happened with Equifax. Same thing happened requesting reports in the same fashion in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANRUPTCY DISMISSED
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Consumer name XXXX XXXX XXXX consumer XXXX XXXX XXXX XXXX consumer social security XXXX  XXXX contents of complaint.This cfpb complaint has been filed to request pursuant to ( 15usc1681 c-2 ) that you, Transunion, XXXX XXXX XXXX credit reporting agency , block/delete information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.this fraudulent inaccurate information consist of the following accounts # 1XXXX XXXX XXXX XXXX balance {$500.00} account XXXX XXXX XXXX # 2.XXXX  balance {$170.00} account # XXXX acount # 3.XXXX  acount # # XXXX {$1400.00} account # 4.XXXX  acount # XXXX balance {$63.00} account # 5.XXXX XXXX XXXX # XXXX balance # XXXX I've attached the FTC report # XXXX as proof I am also attaching the list of hard inquiries that are not mine as well # 1.XXXX XXXX  XX/XX/XXXX # 2XXXX XXXX XX/XX/XXXX # 3.XXXX XXXX XXXX  XX/XX/XXXX # 4.XXXX  XXXX XX/XX/XXXX I do not recognize the aforementioned accounts and hard inquiries on my consumer report and am demanding thatvthey be blocked/deleted in business days according to 15usc1681 c-2
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an indentity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I signed up for credit innovation services after XXXX searching federal loans for first time homebuyers.they misled me to make me thing they were connected with the givermant for FHA loan I paid them hundreds of dollars then 15 a month since once they took the big down payments I was hearing from them every week and all soon as I finished paying and just paid the 15 a month dont hear from them no credit letters going out nothing They didnt even help me get the loan follow up TO get the loan nothing .I was to buy my house I live in now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.

The inquiry was placed XX/XX/2017 2017
Product: Debt collection

MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.
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 number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ 15 U.S.C. 1681 ] section 602A respect for the consumers right to privacy.

15 USC 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 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 card or prepaid card

I have had a one-time late payment remark on my account due to covid and due to the circumstances, I didn't get the chance nor did I have the knowledge at the time of the delinquency to get my payment deferred. This is now causing me damage while I'm applying for a mortgage. Typically I always pay on time and this was a one-time out of the ordinary situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a deferment and received a deferment agreement from Fifth Third Bank. in the agreement it stated the company was going to defer my XXXX, XXXX, and XXXX payments due to COVID and i was told this would prevent negative marks going on my credit report. But they put negative marks on my credit report anyway. When i asked them to remove them due to the agreement, they said they couldn't do that and told me i needed to file a complaint with the FTC, they FTC sent me to this website.
Product: Credit reporting or other personal consumer reports

Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The XXXX and XXXX Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently disputed the inaccurate information on my credit file about XXXX XXXX XXXX! this account in reporting open, past due amount of XXXX derogatory status which is inaccurate reporting on my account the receipt of proof that this account was paid off is attached and MUST BE REMOVED FOR INACCURATE REPORTING IN VIOLATION OF MY CONSUMER RIGHTS. THE FAILURE TO CONTINUE TO REPORT THIS ACCOUNT BASED ON THE NUMEROUS TIMES DISPUTED IS NOW RESULTING IN A LAWSUIT FILING.
Product: Student loan

Hi I am calling about refunding my student loan payments with EdFinancial. I have had different customer service representatives give me conflicting reports about when student loans will be reinstated. Please help me so I can stay eligible for the student loan forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX CXXXX XXXX XXXX XXXX XXXXE FL XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for repeated failures to remove fraudulent items from my credit report. Despite my continued efforts to rectify this situation, these inaccuracies persist, causing severe financial distress and affecting my creditworthiness. 

I have previously reported these fraudulent items to your agency and provided detailed documentation proving their inaccuracy. These fraudulent accounts and activities were not initiated or authorized by me, and I have taken every necessary step to dispute and resolve this issue. However, your organization 's repeated failure to correct my credit report is causing significant harm. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like yours are responsible for ensuring the accuracy of the information contained in credit reports. The FCRA also requires timely investigations and corrections when inaccuracies are identified. 

Despite my previous correspondence and attempts to resolve this matter, I continue to suffer the following consequences due to these fraudulent items on my credit report : Difficulty obtaining credit, loans, or financing.

Higher interest rates on existing loans and credit accounts.

Financial stress and harm to my creditworthiness.

I formally request that you take immediate action to investigate these fraudulent items and verify their inaccuracy. If you find that these items are indeed fraudulent or inaccurate, I insist on the following actions : Removal of all fraudulent items from my credit report.

Correction of my credit report to accurately reflect my financial history and creditworthiness.

Provide written confirmation of the removal and any updates made to my credit report. I am attaching copies of all previously submitted documentation, including proof of fraud, dispute correspondence, and any other relevant materials. This information should assist in your investigation and prompt resolution of this issue. Please assist me to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : XXXX  Reporting There are 5 collection accounts on my report that are inaccurate. I have never done business or entered into written agreements with any of the aforementioned businesses. It appears to be collection agencies from medical bills and a cash advance business. 

I have submitted numerous disputes and asked for copies of the original written agreements to verify the accuracy of the accounts, and I have not received them.
Product: Debt collection

Per the FDCPA, I have a right to request details of any debt from a collector and if they do not respond with my ask, then they are in violation. Now, I've received a letter from an attorneys office asking me if I want to file bankruptcy due to a suit that is coming to me.

I have received collection letters from 3 different collection agencies on the same debt, and I have been writing the Credit Bureaus disputing the debt and asking for investigations and for an explanation and have not received it from the CB or nor from the collection agencies. The 1st letter was sent to the collection agencies on XXXX XXXX, XXXX. Subsequent letters were sent on XX/XX/XXXX & XX/XX/XXXX to the collection agencies. They were sent 'certified mail ' No response from them on my requests. Now they are trying to sue. Please see the letters attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted XXXX Transunion and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.
Product: Debt collection

This is a complaint from XXXX XXXX against Second Round for Second Rounds failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) wrote to Second Round with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Second round responded with a letter and statements from the original account. These statements are not enough to show the creditors authority to collect on this debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

all major credit bureaus are reporting inaccurate information on my credit report, coming from my XXXX XXXX XXXX XXXX, account number XXXX original creditor, XXXX XXXX XXXX balance of XXXX the second account number is XXXX original creditor, XXXX XXXX XXXX balance of XXXX,