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

Equifax won't remove negative items from my report, I called several times and provided documentations, Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using prewritten dispute letters which I provided. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge Offs Bankruptcies HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS, AND BANKRUPTCYS and pursuant to the FAIR DEBT ACT 15 UNITED STATES CODE 1692 it should be removed. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX Account number XXXX. Called XXXX XXXX XXXX  XXXX to resolve this matter ; however, they dont have a record for me because they sold it to XXXX XXXX XXXX  years ago without providing me with 1099 tax form. I am not obligated to pay XXXX XXXX XXXX and will never pay it because my contract is not with them. Please have them remove it from my credit report.
Product: Mortgage

My experience with Nationstar Mortgage has been a nightmare from the very beginning they purchased my loan from XXXX XXXX XXXX. XXXX XXXX XXXX was taking XXXX mortgage payment out of my checking account on the XXXX and the XXXX of each month only charging me {$4.00} additionally per withdrawal. I phoned Nationstar Mortgage to set this same type of payment plan up, was told I had to pay {$290.00} up front then they would take out XXXX a payment every two weeks to pay my mortgage off early. Which would have been great if I could afford to do, but not feasible for me and I could not understand why I had to pay them {$290.00} up front to get their payment. I then fell behind on my payments due to medical bills and other hardships, applied for a forbearance sometime last year only to be denied. I have asked them to do a 3 month deferment to try to get back on track so I can keep my home, but have only been told no to anything I have tried. I have tried forbearance, asked for deferment, asked about refinancing under a XXXX Loan, and even refinancing, was declined on all. When anyone calls me from Nationstar Mortgage it is always someone who can barely speak XXXX, they do not leave a message on my phone when I am unable to answer due to being at work. I have never experienced such a nightmare regarding a mortgage company. Nationstar Mortgage has called me on several occasions before XXXX and after XXXX. many times when they call they hang up without even speaking to me. They will call me and hang up as soon as I answer the phone. This is a nightmare and doing the best to keep my home which I owe far more than the home is worth.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I recently reviewed my Transunion, XXXX and XXXX credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Product: Vehicle loan or lease

On or about XX/XX/2019, I purchased a used vehicle that was financed through Credit Acceptance. The vehicle was repossessed by Credit Acceptance during the COVID-19 National Disaster at which time I lost employment because of the World Wide Lockdown that affected my ability to pay anyone. I am a survivor of several positive COVID-19 test results. Credit Acceptance has failed to comply with UCC 9.506 as well as State XXXX and XXXX statutes. Credit Acceptance has filed a Civil lawsuit against me and continues to report inaccurate information to the Consumer Reporting Agencies.
Product: Money transfer, virtual currency, or money service

I have made a payment to my vendor on XX/XX/2021. It was an ACH payment. 2 months later, we realized that the recipient didnt receive this payment. It was from Chase bank to Chase bank. I opened a claim, I went to the branch several times. Last week we went to a Chase branch with my vendor so they can open both accounts together and see the problem. Today, I learned that the claim is closed again without reason. I went to the branch, they talked with the claim department, they confirmed that they closed the claim by mistake. The amount is {$7400.00}. They accept that this amount is missing but it isnt my mistake or problem. My complaint is for the claim department of Chase Bank as well as Online banking department.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a bankruptcy as a public record on my credit report. I have a letter from the US Bankruptcy Court, XXXX XXXX XXXX, dated XX/XX/XXXX.
It states that the court does not report the records of this court to any credit reporting agency. As this record would contain personal information such as my social security number, it is not reported.
On XX/XX/XXXX I sent a certified letter to TransUnion disputing the public record of bankruptcy that they are reporting. I provided a copy of the above letter from the US Bankruptcy Court and advised them that they could not have verified the public record as the court does not provide social security numbers.
On XX/XX/XXXX I received a response from TransUnion stating they have completed their investigation and that the public record had been " verified as accurate ''.
Product: Mortgage

I started to process of getting a mortgage for a new home and was pre-approved by AmeriSave Mortgage Corporation. I used this pre-approval to make an offer to purchase a band new home and then sold the home I was living in. AmeriSave Mortgage Corporation ensured me that everything was going smoothly and that they would have me approved well before my closing date. They ordered an appraisal of my new home that came back slightly higher then the selling price. About 3 days later I get an email from the loan processor XXXX XXXX stating that the underwriter had asked for a filed report and that came back with a lower number then asking price. According to the XXXX XXXX  Appraisal Guidelines there is no reason why this should have been done. At this point I need to scramble to find a new mortgage company who does follow the guidelines or have my family be homeless until I can resolve this issue. This company has cost me my due diligence money and wost yet possibly my families dream home.
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. Account # XXXX. 
XXXX XXXX. Account # XXXX. 
XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # 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 items of information, other than records of convictions of crimes more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect DOB - XXXX  Incorrect DOB - XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name- XXXX, XXXX, XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX
Product: Checking or savings account

On XXXX XXXX i deposited a XXXX refund check from the TXXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$11000.00}. I was able to access some of the funds until Citibank restricted my account without reason, i have been going back and forth with them since XX/XX/year> and we are now in XXXX and I have still not been able to access my funds or log into my online account, they dont even find me in the system when I call yet my funds are in the account and i continue to receive monthly statements, i need Citibank to release the {$9800.00} immediately. I would like to close that account and have my remaining balance withdrawn via check to my mailing address on file. I no longer wish to do business with this bank. I am a XXXX XXXX who counts on these tuition refund checks and can not believe the way Citibank has treated me as a customer and kept my funds.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023, in Case Reference # XXXX ( See attached Supporting Document # XXXX ), I submitted notice to LexisNexis of XXXX XXXX XXXX routine accessing of my LexisNexis Consumer Report. My notice to LexisNexis included my Notice to XXXX XXXX XXXX of Revocation of Authorization and Notice to Cease Access of XXXX XXXX LexisNexis Consumer Report. This notice was made in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to control access to their credit and consumer information. Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number : XXXX, Case Number : XXXX, I discovered two additional inquiries from XXXX XXXX XXXX that I did NOT initiate, authorize, or consent to. The release of my LexisNexis Consumer Report without my authorization or consent is a very serious violation of the federal Fair Credit Reporting Act ( FCRA ). This action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ). On XX/XX/2023, I submitted via USPS certified mail, a SECOND Notice to XXXX XXXX XXXX to Cease Access of XXXX XXXX LexisNexis Consumer Report, SECOND Notice of Revocation of any Prior Authorization to Access XXXX XXXX LexisNexis Consumer Report ( See attached Supporting Document # XXXX ). Having been duly provided with my Notice to XXXX XXXX XXXX of Revocation of Authorization and Notice to Cease Access of XXXX XXXX LexisNexis Consumer Report on XX/XX/2023, and my SECOND Notice to XXXX XXXX XXXX to Cease Access of XXXX XXXX LexisNexis Consumer Disclosure Report, SECOND Notice of Revocation of any Prior Authorization to Access XXXX XXXX LexisNexis Consumer Disclosure Report on XX/XX/2023, LexisNexis ' continued failure to comply may result in legal action against XXXX XXXX XXXX and LexisNexis. I expect LexisNexis to take this matter seriously and act promptly to ensure that my consumer information is no longer accessible to XXXX XXXX XXXX or any other entity without my authorization or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove this : never late : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Original balance {$1500.00} Balance {$1500.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, XXXX remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Debt collection

On XXXX I received a bill for {$470.00} from the collections company IC System , Inc XXXX XXXX XXXX, XXXX XXXX MN XXXX for a past due XXXX ( XXXX ) bill. 

I have never in my life ever subscribed to XXXX. I have lived in XXXX for the past XXXX  years. This account was created and set up on XXXX XXXX XXXX  in XXXX XXXX. The person 's email address that set it up is XXXX. I am assuming the culprits name is XXXX XXXX, if not made up. His address of service is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have contacted the collections company as well as XXXX themselves. I have filled out their fraud paperwork. My Case number with XXXX is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity was stolen and credit cards open on my behalf. 
I made a identity theft report and forwarded to all 3 credit bureus as well as the furnisher of the account. 
I asked experian, XXXX and XXXX to block the account due to identity theft. 
Experian blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a debt validation letter to State Collection Services Inc. at beginning of XX/XX/2021. State Collection Services IncXXXX failed to validate my debt. Instead on XX/XX/2021 they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never sign a HIPPA Form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly I have great credit XXXX/XXXX score bought new XXXX last year elite credit. Now my score is ruined because of Synchrony bank. I recently moved to Florida and had to buy everything new for my apt . I had several store card purchases and offers. I do everything online. I did not get the bill sent but I eventually saw an alert. They had an incorrect address. I signed up for auto pay for All the accounts. I selected all accept one that is {$0.00} on the top it did not say that the XXXX  XXXX needed autopay to be added. You clearly see that but it was not. I selected before with the others the XXXX   XXXX. There is an issue to use the auto pay. This caused me to be late. I received call from them long after it was over 30 days. I said you never sent me an alert that payment was missed. They said they were going to listen to calls and get back to me. They never did and still charged me 2 month of late fees. They saw again in the system that I attempt to do the auto pay July but it would not accept my checking account it finally went through as a savings account and its not this month. I was on the phone over an hour. The last rep said he could see in the system I attempted to do it. Thats why he credited me one late fee. He said only 1 per year hes only allowed. They also XXXX XXXX keep sending bills to my job and I told them stop. They never fix it. Violation of my privacy. I call synchrony bank and no one helps me to figure it out or fix it. I have auto pay issues recent for new accounts otherwise I pay always within 30 days. Never over.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, one of the largest consumer reporting agencies, for failing to conduct a thorough investigation of disputed information on my credit report. 

On several attempts I have submitted a dispute to XXXX regarding an alleged vehicle repossession and late payments, and XXXX Violations which I claim are inaccurate. Despite my dispute, XXXX failed to conduct a reasonable investigation and remove the disputed information from my credit report. Account XXXX below. 

ACCOUNT ACCOUNT-NUMBER DATE OPEN XXXX XXXX XXXX XXXX XX/XX/year> Specifically, I have possession of my vehicle, and the alleged repossession is entirely inaccurate. Furthermore, the loan in question is an installment loan, and the creditor 's acceptance of a down payment constitutes a violation of the terms of the loan. 

XXXX 's failure to thoroughly investigate my dispute and remove the inaccurate information from my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires consumer reporting agencies to conduct reasonable investigations of disputed information and to remove inaccurate information from consumer reports. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that XXXX complies with the FCRA. I also request that XXXX be directed to remove the disputed information from my credit report and to provide me with a corrected copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Financial Corporate Offices XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX  Account/Credit Limit Decrease Acc # XXXX Dear Synchrony Financial : I was very disappointed on XX/XX/XXXX when I was spoke with customer service XXXX ID # XXXX that my credit limit on my XXXX XXXX credit card decreased. My account was opened on XX/XX/XXXX and my credit limit was XXXX. My high balance was XXXX dollars and I have been making on-time payments for XXXX years. My credit limit was cut to XXXX dollars the amount of my balance. 
I have been a loyal customer of Synchrony over a number of years and a good amount of money every month to your company. When I spoke with XXXX ID # XXXX over the phone I explained to her that the algorithm being used to review my accounts was not a Fair XXXX FICO score as detailed in the correspondence, rather an external credit score.

I believe the decision to lower my credit score was arbitrary and I have asked XXXX to process an adverse action request. I would like to have my credit line reinstated. 
This occurrence had also happened years ago with my XXXX XXXX account when paying down my balance my credit line was drastically cut. The practice of balance chasing and cutting credit lines is an unfair practice. I am asking your office to review my account history and the reasons of the adverse action. 
I believe I was targeted by your credit analyst who reviewed my account and made the bad decision to cut my credit line. My credit utilization ratio on my account went from 24 percent to 97 percent and may have caused my credit score to be lowered as a result of high utilization. 
My financial and credit situation has not changed as a result of the pandemic, my attorney will be contacting XXXX XXXX XXXX. 
I am asking you for some resolution in reference to my XXXX XXXX account and for my credit line to be restored and all encumbrances removed from my Synchrony accounts as a result of mishandling. 
I can be reached at XXXX or my email at XXXX Sincerely,  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

For the past XXXX days ( XX/XX/21 - XX/XX/21 ) my PayPal account had been 'temporarily limited, ' so, I tried to resolve the issue by providing them with personal documents that they requested to prove my identity, such as a driver 's license, a credit card statement, and a debit card statement. But today on XX/XX/21, I received an email from PayPal saying that I could no longer use my account and that its been 'permanently limited, ' because of a 'potential risk associated to it. ' The email even goes on to say that the funds that I have in my account XXXX {$230.00} in my PayPal balance and {$530.00} in Bitcoin ) would be held up for 180 days and can not be withdrawn. However, not once did they ever give me any specific reasons as to why my account was limited or why they decided to completely ban it. So, based on their vague responses and unjust actions, I believe that they do not have any valid reasons for the ban and that they're simply abusing their power and are stealing my funds. So I hope that the CFPB will resolve this issue as soon as possible, thank you.
Product: Debt collection

PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of an law set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate.