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

I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies.

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified.

3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX XXXX  , are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately.

4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account.

2. Request XXXX XXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence.

3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately.

4. Provide me with a written response detailing the results of the investigation and actions taken.

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Credit card

I had very clear fraudulent activity on my account in XXXX and XXXX of XXXX. Synchrony bank never identified the fraud and it continued for 30 days. My account was set up for automatic payment and the money was withdrawn from my checking account paying for the fraudulent charges. I called to report the fraud when I saw the large withdrawal. 
A fraud claim was opened. I contacted synchrony multiple time over the next several months. I never heard from them proactively. The only information I got was fraud communication was via email and I would have to wait sixty business days. I still never heard from them but eventually they found the claim in my favor at the end of XXXX which I only knew about because I called weekly to find the status. I now have a credit balance of thousands of dollars on my account that they will not release. I have been asked for dcoumentation that the payment in XXXX was made. It was an electronic payment so obviously they have that. Regardless I sent that via the companys portal. They claim they dont have it. Now I am faxing the documentation. I have been without this large sum of money for far too long and every step of the way Synchrony has been negilgent in fulfilling their duties. I need help in getting this money returned to me.I also want a complaint filed against Synchrony for negligence as I feel the fraud should have been identified way earlier than it was and this claim should have been resolved long ago. It is not XXXX and I have not received one communication from Synchrony regarding this matter.
Product: Debt collection

On XX/XX/2021 I received a bill from SYNERGETIC COMMUNICATION, XXXX. They stated I owed {$4800.00} in the basis of their communication and that the account was placed in collections. This debt had formerly been disputed with XXXX XXXX XXXX as a result of identity theft. This communication has violated federal law, FDCPA.
Product: Credit card or prepaid card

After applying for the Capital One Venture card ( on XX/XX/2019 ), I received a denial stating " Based on your credit report from XXXX XXXX, length of credit history ''. 

However, I have over 30 years of credit history with XXXX XXXX. I do not understand the reason I was turn down. 

I tried to get an explanation from the customer service department, but they stated that they have no information concerning this credit card rejection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from XXXX XXXX XXXX, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under XXXX XXXX XXXX has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, Transunion Continues to report both XXXX XXXX Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against XXXX XXXX XXXX and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.
Product: Payday loan, title loan, or personal loan

I have health problems and had worked out an agreement with the company. Which was offered by the company. Something went wrong with the agreement in their system which they blamed me as my fault. Now they are constantly posting to my credit as five months late which they know. I believe to collect the debt. I have been current with my loan close to three years.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name XXXX XXXX XXXX XXXX/ Account Number : XXXX Account name : XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is telling lies about a account I disputed over XXXX times in the last 2 years, Experian is reporting a bankruptcy on my credit file thats doesnt exist, but Experian sent me a letter informing me that the bankruptcy was verified through XXXX how is it possible when I have letters from XXXX informing me that the last time Experian contacted them about a such bankruptcy was over 3 years ago XXXX also informed me that they dont show a bankruptcy on my XXXX report XXXX I also contacted the bankruptcy department Experian has listed as reporting such a bankruptcy and they sent me a letter informing me that they didnt and hadnt and they dont report and information to reporting agencies, so how did Experian verify this bankruptcy and with whom they verified this bankruptcy because it wasnt with the companies you told me you verified the bankruptcy with
Product: Credit reporting or other personal consumer reports

Please note that this is my SECOND WRITTEN REQUEST. I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of XXXX XXXX. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified.

The following inquiries are not authorized : XXXX XXXX  XXXX XXXX  XXXX XXXX  : XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an inaccurate collection entry on my credit report related to an amount of {$1800.00} under XXXX XXXX. This entry is the result of identity theft, and I request its immediate removal. This error has significantly impacted my credit score, financial standing, and ability to secure new credit. 

The Federal Trade Commission ( FTC ) identity theft report is attached for your reference and verification. Given that this collection is fraudulent, please take prompt action to remove it from my credit report. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Payments totaling approximately {$18000.00} were scheduled to be delivered by XX/XX/2022 for my payees via XXXX XXXX. The payments were allegedly sent on XX/XX/2022. XXXX of the payments never reached my payees and the checks never returned as undeliverable. US Bank does not have evidence to prove the checks were sent that they can share with me. 

Supposedly checks # XXXX and # XXXX were mailed but there is no proof they can provide. Other checks were delivered only two days ago to other payees. 

I suspect the Bank did not even send the check timely or at all in a scheme that allows them to use the money on the markets such as XXXX XXXX for their own gain. A total of approximately {$18000.00} has not been delivered timely - over 20 days whereas normal delivery time is 2-3 days. 

Both me and my clients are experiencing more than inconvenience as this type of transactions affects time and money in a financial environment where time is money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX  / XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX in XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$19000.00} XXXX/XXXX  XX/XX/XXXX in XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XX/XX/XXXX in XXXX XXXX # XXXX XX/XX/XXXX -- {$4100.00} XXXX XX/XX/XXXX XXXX  XXXX  XXXX  # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX  XXXX  XXXX  # XXXX XX/XX/XXXX -- {$3300.00} exp XXXX/XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX/XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want these inquiries on my credit report deleted I did not authorized these companies to run my credit they are fraudulent I have downloaded copies to show
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX Account XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX A full listing of each of these fraudulent inquiries is below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with XXXX agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXX and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXX and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

Sincerly, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my checking account at Axos Bank was frozen. This caused them to return two pending XXXX XXXX payments. This meant my credit card account relationship was damaged, and I was charged a {$35.00} return payment fee. 

In order to unfreeze my account, I sent the requested documentation needed to verify my identity to Axos Bank, which was received on the evening of XX/XX/XXXX. I called back 3 times since then, on XX/XX/XXXX, XX/XX/XXXX, and XXXX and each time was presented with the same explanation, that the review will finish in XXXX business hours. I'm submitting this complaint as I do not believe them at this point, and I had the same problem with my Axos invest account last year, which I was forced to resolve through XXXX.
Product: Credit reporting or other personal consumer reports

I have no knowledge of any such hard inquiry or attempt for credit with the companies listed below. I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt or inquiry, in fact therefore exists. 

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

XXXX XXXX XXXX Account Number XXXX is only reporting on my Experian credit report. I have attempted on numerous occasions to dispute this alleged account with the credit agency by requesting a proper investigation into the entirety of this account. Experian took longer than 30 days to investigate and then responded back to me that the account had been properly investigated. 

How is it possible that this alleged account has been properly investigated when it only reports to Experian? If the alleged account was properly investigated, then why is the open date, date last active, and date last reported, which currently reflects XXXX, XXXX accurate? 

XXXX XXXX XXXX has violated my rights under15 USC 1681.

15 U.S.C 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. For the record, I have never given this alleged account written permission to furnish this account on my credit report.

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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. 

I have attached my XX/XX/XXXX credit report for your review and, in support of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the equifax breech. In XX/XX/XXXX I put in my request to be re-embursed for my part of the settlement. In XX/XX/XXXX they wanted proof of my credit monitoring. I gave them that. I started noticing I was getting credit alerts from them, which, I unsubscribed from. I DID NOT want any credit alerts, I never asked to be given that instead of cash. I think they are beyond arrogant to think ANYONE wants them, the company that did not have my consent to ever give out my personal information, monitor their credit. It's honestly an insult. I want my cash settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. AFNI is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.
Product: Credit card

This incident happened at the XXXX XXXX store with the address XXXX XXXX XXXX XXXX , XXXX, CA XXXX. 

On XX/XX/2023, at approximately XXXX XXXX. I went to the above XXXX XXXX store with my husband to purchase a king-size bedroom set. When we got to the store, one of their customer service people showed us what they had on the king size. After that, we were able to make our choice on what to purchase. 

My husband told him that we wanted to do financing, and we wanted a situation where we could pay with our own credit card. He explained to us two ways we can do that. He stated that we could make payment with their store card by opening an account with them and it is going to be 0 %, or we could pay with our credit card but it comes with some percentage. my husband asked him multiple times if their store card was a CREDIT CARD, and HE STATED, " NO '' He further stated that the card would be sent by Synchrony Bank. Additionally, he stated that we don't need the card to make payments, the purpose of the card is to track sales. my husband asked him again if the card was a credit card and he said " No '' Finally, we decided to go with their store card as he called it. and he started filling in my information on the tablet he had. moments later, he gave me the tablet to sign. when I was reading the questions and signing the information. My husband called the attention of the customer service person again and told him that this was a credit card that they were applying here. He asked him why they lied to us that it was not a credit card. he kept quiet without saying anything. My husband further told him that this is like applying for a store credit card. He IMMEDIATELY told customer service that we were no longer interested both in the card and in purchasing anything again. We left the store without purchasing anything or completing the signing of the application.