23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Medical debt was paid on XX/XX/2021. When payment was remitted to Transworld Systems also known as TSI they agreed to delete the record from my report but later refused after payment was remitted. I filed a complaint with CFPB against TSI on XX/XX/2021. On XX/XX/2021 TSI sent a letter admitting the account was paid and that theyve asked the credit bureaus to delete the account. A representative from XXXX  said the debt was verified as belonging to me on XX/XX/2021 which is after TSI claims to have requested deletion of the record. I was able to ascertain that TSI had in fact not requested my record be deleted but instead transferred the account to XXXX XXXX XXXX XXXX to prevent the record from being deleted. Attached you will find the CFPB complaint response letter and also a screenshot of my credit report from XX/XX/2021 showing the debt now being reported by XXXX XXXX XXXX XXXX under the CR code XXXX. This is another blatant illegal act and a deliberate attempt to continue reporting false information. I have retained legal counsel and will move forward with litigation against all parties complicit in any, and all attempts to continue to report/collect on this fully satisfied account. 

Furthermore XXXX  was furnished a copy of the CFPB complaint response letter. I submitted a dispute online. I spoke with an agent named XXXX who refused to forward the dispute to TSI stating that XXXX  would instead be reviewing information it had received from sources and that the TSI collection would not be removed. I advised him that he should consult with someone from XXXX  legal. After being placed on hold for approximately 10 minutes XXXX informed me that the record would not be removed and legal approved his course of action. They would continue with their dispute process. This is egregious. XXXX  is allowing a paid debt to be transferred to a proxy agency for purposes of continuing to violate my rights under the FCRA. If XXXX  is allowed to take such drastic and illegal actions to knowingly and deliberately damage my financial well-being then the I will never be afforded the financial growth and reconciliation Ive worked for nearly 4 years to achieve. Every day this continues my business is incurring irrevocable financial damage. If immediate action is not taken to correct this fraudulent attempt to ruin my credit I will seek civil damages.
Product: Consumer Loan

A few months ago I recently reviewed my credit file. I noticed that there was items on my credit file that did not belong to me. I have sent dispute letters to both the credit agencies and CNAC. I did not receive any response back from CNAC. The credit agencies get stating that they verified the information. Since then, on XXXX XXXX, 2016, I sent Fraud Affidavits to CNAC and to all XXXX of the credit agencies. Even after all of my efforts to get this item removed, CNAC still have not removed this item. This is not my account. I did not open this account or authorize anyone to open this account in my name. Please assist me in getting this matter resolved. They have received the Fraud Affidavit because I mailed it Certified Return Receipt.
Product: Credit reporting or other personal consumer reports

I've been a victim of XXXX XXXX XXXX XXXX based on the FCRA 605 b these accounts shall be blocked and deleted within 4 business days.
Product: Credit card

ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, for LOWES BUSINESS ACCT/SYNCB, Payable at XXXX, GA XXXX, and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank ), for LOWES BUSINESS ACCT/SYNCB, is as follows ; The paperless solutions for this business line of credit are grossly inadequate, and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company, a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally, I never received vital communication about changes to my account and to the terms of my credit agreement. 
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails, even before today. 
My first email to them today at XXXX ( they only allow XXXX characters per email so there are four ) stated that I want synchrony bank to do at least ONE of the following three suggestions : 1 Integrate with MINT.com. 
2 Set up payments online as recurring payments. 
3 Set up payments online in advance ( further than 30 days ). 
I then asked them to remove all late charges from my account and credit the money toward my back due payment and credit the remainder toward any upcoming payments. 
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month, and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation, there was a XXXX late fee charged on XXXX, XXXX, XXXX, XXXX. Thank you. 
My third email at XXXX stated : I am also filing a complaint with https : XXXX asking you to answer for your unscrupulous business practices ... even if it 's legal ( which I 'm not sure of either ) it is clearly a set of business practice calculated to create additional charges to your consumers. 
The fourth email I sent them today stated : I wish to terminate my credit line and I want 6 months to pay it off from the date the account closes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report shows that I have a credit card account with XXXX XXXX bank and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.
Product: Debt collection

Collection of a debt in someone elses name and violations of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not investigate inquiries.
Product: Mortgage

I currently have a VA loan for my home in which I Received through Chemical Bank which was bought out by Huntington. A few months after purchasing the Home I received a tax bill I which I ignored because my taxes and insurance are rolled into my mortgage payment. I called the bank when I received a delinquent notice and they had me send a copy of the bill to their customer service mortgage division and I did so. Then when I received another tax bill I also sent that one. I just received another bill that shows delinquency in said property taxes. I again sent a copy of this and marked the delinquency section ..... They do not respond nor can I get anyone to answer phone calls and I need this taken care of. I incorporated taxes and insurance into my loan to keep issues like this from happening .... I appreciate any help you can give. 

Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts and information on my report. Please remove these accounts and information from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY.

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my credit that I have an account with XXXX XXXX I have no knowledge of that account at all. I contacted both XXXX and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with XXXX XXXX XXXX I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also XXXX is reporting a fraud report and so is Experian XXXX and Experian have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX To Whom It May Concern, I am writing to file a formal complaint against Equifax XXXX XXXX and XXXX for their continued failure to correct inaccurate late payment information on my credit report concerning my XXXX account ( # XXXX ). Despite multiple disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate and inconsistent across all three credit bureaus, as highlighted in my previous disputes. These discrepancies directly contradict the actual payment history for this account, which reflects a current status with no delinquencies. Additionally, the discrepancies in the " Date Last Active '' and " Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information included in consumer files and investigate disputes thoroughly. The failure to resolve these errors after multiple disputes is a blatant disregard of this obligation.

15 U.S. Code 1681b and 15 U.S. Code 1681c emphasize the importance of maintaining accurate and complete credit reports. Reporting inaccurate late payments undermines these protections. 
TILA Violations : 15 U.S. Code 1666b requires creditors to provide timely and accurate periodic statements. The late payment reporting indicates a failure to comply with this requirement and has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors and reporting agencies have a duty to ensure that consumers are not unfairly penalized for alleged delinquencies when they have fulfilled their obligations. The repeated reporting of inaccurate late payments is a violation of this principle. 
Desired Resolution : I am demanding the following actions be taken immediately : The removal of all inaccurate late payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my credit report. 
Written confirmation that these corrections have been made and that the account reflects accurate information across all three credit bureaus. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
This is the fourth dispute regarding this matter, and your continued inaction is unacceptable. I expect a resolution to this matter no later than 30 days from the date of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me an email stating that my credit score has dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written these credit bureaus on numerous occasion in reference to reporting inaccurate information. I was never late for any payments on my XXXX XXXX account. 
I have never missed any payments on mt XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX account. 
I do not have a written contract with XXXX XXXX XXXX that states I owe {$330.00} which is incorrect. I also do not have a written contract/agreement with XXXX  XXXX XXXX that states I owe {$1700.00} which is inaccurate. There is also an inaccurate balance of {$1100.00} for XXXX the accurate balance is {$0.00} XXXX XXXX  XXXX inaccurate balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX inaccurate balance of {$2200.00} the accurate balance is {$0.00}
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 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 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 ) 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.

15 U.S.C. 1681s-2 ( a ) ( 5 ) ( a ) which states In general a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

The IRS clearly states a charge off as income.

Income DOES NOT get reported on the consumer which makes the reporting inaccurate.
Product: Credit card

I messaged Express Credit Card Company via Comenity Bank about my late fee, XX/XX/XXXX. Comenity Bank/Express Credit Card Company messaged me on XX/XX/XXXX stating, that they cant waived the late fee for they already credited me last year in XX/XX/XXXX. What does the late fee credit of XXXX, have to do with them waiving the late fee for XXXX. I missed a payment in XX/XX/XXXX. Express Credit Card Company /Comenity Bank contacted me about making a payment. I informed Comenity Bank/Express Credit Card Representative , that I will send the payment at once. I have been a loyal, consistent account holder of Express Credit Card for several years to make payments on time and they rejected my request to waive a late fee in XX/XX/XXXX. They normally send me email notifications, that a payment is due on the particular date but no response on their end.
Product: Credit reporting or other personal consumer reports

I found that I have been a victim of iIdentity breach. My social and account info was being sold on the dark web. They attempted many times to get a credit card from ; Capital One bank on these dates. they tried 3 times. 

XXXX XXXX XXXX I have asked both the Capital One bank and the reporting agencies. I am complaining about XXXX they wont delete them from my credit report. they said to complain to Consumer Finance. The othe credit reporting agencies have deleted the fraudulent hard `inquiries Please remove these items from my credit. 

I am requesting that this item be fully investigated under your statutory obligation as outlined in 15 U.S.C. 1681i, which mandates that credit reporting agencies promptly investigate disputed items and remove any inaccuracies. Delete Now. Thank you
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/17 we purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. We were told it would be very hard to get approved for this loan so I was a cosigner. They kept trying to get us to buy a different ( more expensive ) vehicle. Finally they were able to find someone to finance the car. Santander Consumer USA was apparently the only place that would finance us, and at an 18 PERCENT INTEREST RATE. Yes for an auto loan. Neither of us had bad credit scores at all. The payment for this car is about XXXX a month for a {$26000.00} loan, half of the payment goes towards interest. We consulted with a few people and we were told that there 's absolutely no reason for that high of an interest rate or payment. We also wo n't be able to refinance until we pay down to {$21000.00} and currently the payoff amount is {$29000.00} due to fees, interest, and finance charges.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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