23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : -.
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 Number : XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

ChexSystemsInc is in violation of of 15USC 1681 ( 2 ) ( A ) along with 15USC 1681a ( 5 ) and 15USC 1681 ( b ) for allowing the following person ( s ) to furnish inaccurate information on my consumer report without providing any written authorization I gave the person ( s ) to report such information. It has been over 30 days since ChexSystemsInc has been notified of their violations and they have yet to conduct a proper investigation required by LAW or respond with right action by deleting information reported that is a direct result of IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX XXXX opened on XX/XX/XXXX for {$25.00XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for $ 794 XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX Dept of Education/XXXX opened on XX/XX/XXXX for {$8200.00} Dept of Education/XXXX  opened on XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of EDXXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1400.00} has violated my rights 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 in fair resolution.
Product: Credit reporting or other personal consumer reports

I have asked for old unassociated addresses and phone w numbers to be removed from my experian credit report. 
They have removed some of the addresses but not all in my dispute.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies regarding reporting, including inaccurate amounts and dates.
Product: Checking or savings account

In XXXX of 2021, I received a direct mailer from Synovus bank advertising a promotion for a new checking account. Synovus opened a branch within a mile from my house and the promotion was decent, so I decide to take advantage and open an account with Synovus.

The new account promotion read as follows : Open a Synovus Consumer checking account with a minimum of a {$100.00} between XX/XX/2021 and XX/XX/2021. Earn {$200.00} after completing 15 debit card purchase within 60 days of account opening. Earn {$200.00} for having qualifying direct deposit of {$500.00}. Earn {$50.00} for completing both requirements. 

If all activities were completed, I would be entitled to a new account bonus of {$450.00}. 

I completed all of the activities in XXXX and XXXX and patiently awaited by new account bonus of {$450.00}. 

However, on XX/XX/2021, a bonus of {$200.00} was deposited to my account. As this was {$250.00} less than I expected, I contacted Synovus to find out why I had not been given the full {$450.00}. The representative I spoke with agreed that I had completed both activities and that it seemed I should have been awarded the {$450.00} bonus as advertised. However, the Synovus representative did not immediately have an answer as to why I had not received the full bonus so she sent my case off for further review. She promised to call me back within 2 or 3 days with a resolution.

After waiting a week for a call back from Synovus, I again called to check on the status of my case. At this point, I was told that XXXX ( account to account ) transactions did not qualify. I explained that I understood that any account to account transfers would not qualify but that I had made at least 19 non XXXX debit card transaction during the 60 day window. The representative just kept repeating that XXXX transactions did not count and referred me to my local branch. I again explained that if they checked my account, they would see 19 debit card transactions that were not account to account transfers but the representative did not seem interested in what I had to say. As suggested, I tried to call my local branch for help. However, I was put on hold and waited for over 30 minutes. After waiting what I felt was a reasonable period of time, I gave up and decided to go directly to the CFPB for help.

In summary, Synovus mailed me a promotion for a new checking account. I acted on that promotion and followed their rules to the letter. However, Synovus is not honoring the promotion and has failed to award me the other {$250.00} I earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE ON THE WEBSITE IT WOULD NOT ALLOW MY LOCKING THE CREDIT REPORT WITHOUT PAYING A FEE. 

ADDITIONALLY, MY INITIAL CREDIT SCORE WAS XXXX, AFTER I " JOINED '' THE SCOPE IMMEDIATELY JUMPED TO XXXX. THIS IS ARTIFICIALLY HOLDING THE SCORE DOWN AND DOES NOT REPRESENT FAIR CREDIT REPORTING. THIS WILL BE REPORTED. 

EXPERIAN HAS CLEARLY ADOPTED ITS BUSINESS MODEL TO FORCE THE CONSUMER TO PAY TO GET ACCURATE AND UPDATED INFORMATION, WITHHOLDING THE KIND OF INFORMATION NECESSARY FOR THE CONSUMER TO PROTECT THEMSELVES AGAINST DIGITAL THEFT OF THEIR DATA. 

ACCURATE AND FAIR REPORTING OF CREDIT SCORES AND LOCKOUTS ARE TO BE BASIC TO PROTECTION AND PRIVACY IN THE PROCESS OF PROVIDING THIS INFORMATION. THEIR FEES FOR SERVICE SHOULD BE ON THE BACKS OF THOSE THAT USE THE BUSINESS INTELLIGENCE IN THEIR FOR-PROFIT BUSINESS, NOT ON THE BACKS OF THE PEOPLE WHOS DATA IS USED FOR THAT BUSINESS INTELLIGENCE. EXPERIAN IS CHARGING ON BOTH SIDES OF THIS DIME AT THE EXPENSE OF THE CONSUMER THAT CAN NOT AFFORD THEIR SUBSCRIPTION FEES AND THIS NEEDS TO BE CORRECTED.
Product: Debt collection

This is the company that is calling us each and everyday. Three or four times a day. 

Regional Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Phone : ( XXXX ) XXXX We have all ready told that we have a lawyer to help has filed for Bankruptcy. 

My Name is XXXX XXXX email address is XXXX XXXX
Product: Student loan

I was completely taken advantage of. I am so glad that I finally took the step and enrolling into a university its very confusing but I understand and value all. I have had a very rough but fun life. I have been everywhere. But the collateral damaged produced by Bank of America , Banc of America, Merrill. Is by far the most damaging and destroying element to ever face me. Student on the journey to gain a higher education. As I pledge allegiance to the flag of the United States of American and to the republic for which it stands one nation, under god, in divinity, liberty, XXXX for all.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed these inquiries that I did not request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove thank you. I have attached my identity report to this request.
Product: Consumer Loan

I, XXXX XXXX XXXX give permission to assist me in this matter that I am submitting today. I have called today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed and reported to Regional Acceptance Corporation in XXXX XXXX! XXXX continues to report incorrect information on my credit profile. XXXX is not properly validating the true file date of my BKXXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BKXXXX date as XXXX XXXX, XXXX. The credit agent at XXXX is making an attempt to fulfill my request to validate and confirm the correct BK-XXXX file date to Regional Acceptance to show is XXXX XXXX and NOT XXXX XXXX, which should not reflect any late payments prior to filing a sole petition alone and without my husband to correct my BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from the credit reporters database to show the discrepancy and to have it fixed right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of Regional Acceptance Corp/BB & T XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and Regional Acceptance has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, Regional Acceptance was to re-insert the trade line - it was not done, and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.
Product: Debt collection

They said I ole a hospital bill, and i always had insurance, and they billed XXXX and not my insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

Client service has a total of 41 Accounts that need to be removed. As of now, 30 Accounts were removed. Wrote 3rd Round Credit Sweep Letters for 3 Credit Bureaus. Filed 3rd Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded Experian letter to Experian.com. Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX Exprian : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX Experian Credit Score : XXXX Charge Off : XXXXXXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX  XXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX Credit Score : XXXX Charge Off : XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX Credit Score : XXXX Charge Off : XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$16000.00} ( Previously Deleted, popped up account )
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This XXXX federal account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Consumer reports in preparation to buy a house and noticed a host of accounts that are inaccurate, incomplete and that are just not in compliance with the FCRA. Attached youll find a copy of that Consumer report with the inaccuracies circled. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, Equifax has now spent nearly 90 days on my file and as of today 's date XX/XX/2019, they have not composed a simple personal statement unto my credit file as I have stipulated in plain, simple English. 

Equifax has acknowledged me as being a victim of identity theft but refuses to honor my XXXX insurance company claim regarding the same.
Product: Payday loan, title loan, or personal loan

Car was totalled in an accident on XX/XX/2023, Company is charging an exoberant amount of interest and the car is a total loss.
Product: Credit card

A purchase was made at XXXX on XX/XX/XXXX not by me on my bank card. Truist bank did not refund the fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filling this complaint. The stuff on my credit report is wrong.
Product: Student loan

I received an email this morning from the loan servicer ( XXXX XXXX ) that my account was past due and I owe them {$2200.00}. I have not missed any payments and have proof that all my payments have been processed via ACH on time since I signed the payment plan agreement. Their website says the account is paid in full, though I should owe {$2000.00} right now per the payment agreement. I called their customer service number and they don't know why the account shows as paid in full ( when I should owe {$2000.00} ), or why I received that email ( which originated from XXXX email domain ). 

Attached are screenshots of the email I received, my payment history for the account, the paid in full message, and a PDF of the payment plan agreement I signed over the summer.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not
be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry I am writing to file a formal complaint regarding an unauthorized attempt to apply for a line of credit using my personal information. On XXXX XXXX XXXX XXXX, I received a notification that someone had applied for a line of credit at Nordstrom using my information. Thankfully, the application was denied, but this fraudulent attempt has caused me significant concern. 

To protect my identity and prevent further fraudulent activities, I have placed a credit freeze with all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX  Despite these measures, I would like to formally report this identity theft incident to the FTC for investigation. 

Additionally, I am working to have the unauthorized credit inquiry removed from my credit report and to ensure that my personal information is safeguarded. I would appreciate your assistance in investigating this matter and providing any advice or next steps I should follow to further protect my identity. 

Please feel free to contact me at the phone number or email address provided above if you need any additional information. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against [ Experian and XXXX ] regarding the continued inaccurate reporting of an account that has already been determined to be erroneous. The account in question, originally reported by XXXX XXXX XXXX was found to be inaccurately reporting payment history. 

XXXX XXXX conducted an investigation and confirmed that the account was inaccurately reported. As a result, XXXX has deleted this account from my credit report. However, despite this correction, Experian and XXXX continue to report the inaccurate tradeline, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ).

Given that one major credit bureau has already removed this account due to its inaccuracy, I demand that Experian and XXXX take immediate action to remove this erroneous account from my credit file. Failure to comply with this request will result in further action, as I will not tolerate continued damage to my credit profile due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX  ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.