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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint against your organization for the persistent inaccuracies related to a late open account on my credit report. Despite my ongoing efforts to rectify this issue, this error remains, adversely affecting my financial reputation and creditworthiness. 

I have previously contacted your agency on multiple occasions regarding the erroneous reporting of this late open account. I have provided extensive evidence and documentation supporting my claim that this account was inaccurately reported as late. However, these efforts to correct this mistake have been met with repeated failure on your part. 

It is crucial to emphasize that the accuracy of the information contained in credit reports is paramount, as it significantly impacts individuals ' access to credit, loans, and financial opportunities. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours conduct thorough investigations and make corrections when inaccuracies are identified. 

Despite my previous communications and the evidence I have provided, I continue to face the following adverse consequences due to the inaccurate late open account on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Harm to my creditworthiness and financial reputation. 
I hereby formally request that you take immediate and effective action to investigate the late open account on my credit report and correct this inaccuracy. If you find that the account was indeed inaccurately reported as late, I insist on the following actions : Correction of my credit report to reflect the accurate account status and history. 
Removal of any derogatory information associated with this account. 
Provide written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including proof of the account 's accurate status and any correspondence related to this matter. I trust that this information will facilitate your investigation and the swift resolution of this issue. Please help me correct this late open account : XXXX XXXX XXXX  XXXX Balance : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Payday loan, title loan, or personal loan

Synchrony Bank is trying to collect on INTEREST. This is our 3rd time we have gone through Synchrony. The 1st 2 times, we paid the principal amount due each statement, which was the maximum posted on each statement received. So, at the end, we were left owing XXXX. On this 3rd time around, we had no idea it was not being done the way the first two were done on our statements received. They were NOT putting the principal maximum each month as our payment owed. Little did we know, this was being done this 3rd time around! Now, they are wanting us to pay INTEREST plus LATE FEES are now being generated. We've called, we sent a Certified Return Receipt LETTER twice, outlining all of this. We received one back Returned Receipt but not the 2nd one yet. Did this about 2 weeks ago, so they've had time to send it back. This is extremely deception to their customers to all of a sudden start changing the principal payment done each month to the minimum, and to try to collect more money from customers. Very dishonest. We paid monthly due each time and on time only for them to say we've been paying only the minimum, which is what they put on their statements. We will never do business with Synchrony again! It is the same thing that was done to students in college! Interest accumulating on top of itself. The representatives on the phone are understanding but they can not help customers with this so we are filing complaints now. It is not right to do this to good paying or even bad paying customers. 
We sent our normal payment in and wrote PRINCIPAL ONLY on it. Well, guess what, they did not post it as we asked. They applied part of it to INTEREST! This can not be right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my report from XX/XX/20 from XXXX XXXX. I do not have any accounts with them. I have reached out to them and XXXX to have this resolved but have been unsuccessful. I did NOT personally guarantee any account or credit with them. May, I please have this matter looked into and have proof of any " wet signature '' where I, XXXX XXXX gave authorization to run my credit. Thanks in advance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus have stated that my account has been properly investigated. 
How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also. 

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

In XX/XX/XXXX, I was contacted by someone over the phone asking me some questions concerning my personal informationthe person called me by my name and told me my date of birth b and the last of my social security and an XXXX address. I confirmed my identity and the last social security number and denied the address. In XX/XX/XXXX, I was surprised to see a debt collection on my credit file. On XX/XX/XXXX, I sent a letter to the debt collector to prove my debt. This is two months since I received no notice from Southwest Credit System, which violated my rights to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XXXX XXXX  and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXXXXXX  in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps adding back fraudulent addresses. I have requested now 4 times to remove the addresses marled as fraud and they keep reporting them back to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of trying to get a loan last week, I was informed by the Lender that my Current mortgage loan ( since XX/XX/2022 ) with Americu Mortgage does not appear in any of the credit report companies. I called Americu on Friday XX/XX/2022 for an explanation and was told that they will look into this. I called again today, Monday XX/XX/XXXX, and was told a ticket to look into this was in the company computer and it would take 72 hours to review it.

I am very concerned about this because it is affecting my credit score negatively. 

Isnt this illegal that they havent been reported my debt and monthly payments to the credit bureau since XXXX of this year. This really worries me. 

Looking forward to hearing from you. Thank you.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, Equifax, and XXXX, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco Placed an unauthorized hard inquiry my credit file. Requested company to remove from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate with the fair credit reporting act convergent account # XXXX XXXX XXXX Capital one Acct XXXXnding XXXX and XXXX XXXX bank acting ending XXXX 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions. 

15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act. Which mandates a reasonable investigation of disputes. These are the accounts i would like to have disputed and removed from Experian. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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

Wrong address and wrong names listed on background check
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged XXXX starting XX/XX/XXXX and was promised my credit would improve. I have cancelled my service effective XX/XX/XXXX. I was charged 5 times in the month of XXXX. I also did not receive any service from this merchant. My credit has not improved and actually went down since signing up. I am trying to get my money back and the company is refusing to refund for service not rendered.
Product: Credit card

I live in a sketchy neighborhood in XXXX XXXX. Apparently some people have been jumping postal workers for their master keys, so they could open mailboxes. 
I complained to my landlord for months about coming home multiple times to find my mailbox door wide open. We were one of the only houses on the block with an external mailbox. It took him over 6 months. Meantime I kept having important mail stolen. I had my mail redirected, but it was too late. Someone tried to open as many accounts as possible in XX/XX/XXXX. Im grateful that most companies said no due to how fishy it looked to them. But 2 said yes, one of them being Chase. 

I have called Chase numerous times to speak to their higher ups, since this case cant seem to be resolved. I called in XXXX when I was 1st made aware of the fraud. Reported the fraud, asked to have the account closed, to have proof of closure sent to me. They said they couldnt, but that they could send me a fraud kit. Which that they didnt even do. 

Filed a police report about my mailbox being broken into numerous times, and that leading to identity theft. 

In early XXXX when I realized it was still open I called back, spoke to management to figure out why it was still open. Even they couldnt figure it out. They had me on hold, spoke to several techs, escalated the situation, all to try to close the account. After about an hour, the manager reported the account closed. I again asked for proof to be emailed to me, and he refused. Stating hed have a fraud kit sent over.. Again, still no kit. And the account still looks to be open. 


This has horribly messed up my credit score. Ive been wanting to move out of my awful neighborhood, but Im stuck until my credit score goes back to where it once was
Product: Checking or savings account

XXXX XXXX passed on XX/XX/year>. I am XXXX Representative as ordered by XXXX of XXXX XXXXXXXX XXXX. I am duty bound to collect all her assets. The balance in Citibank savings account XXXX is her asset according to record. The subject XXXX dated XXXX XXXX XXXX, XXXX  was XXXX. The ending balance is {$0.00}. XXXXXXXX XXXX estate was paid XXXX. {$1900.00} was disposed somehow. 

The Citibank XXXX XXXX XXXX ( XXXX ) case representative explained verbally the funds were returned to Social Security. The statement activity description only says XXXX XXXX. 

I requested further documentation reflecting the action for XXXX 's estate record. I was denied and told XXXX XXXX requires a court order. ( what is the XXXX of XXXX? ) Further the case XXXX claimed the XXXX case was complete & closed. 

I met with the local Social Security XXXX ( SSA ) office supervisor in person where he informed there were no overpayments, no request for payment refund and no repayment or funds from anyone. 

At this time there is {$1900.00} that were in XXXX 's account that remain unaccounted. 

See attachments : My ID, Letters/Adm, Death Cert XXXX XX/XX/year> Citi Statement XXXX local XXXX office XXXX notes. 

Please help. Thank you Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent inquiries on my consumer report, but I have been unsuccessful. These inquiries are not related to me in any way, and I am not responsible for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have to consider legal action if this issue is not resolved promptly. These inaccurate items have hindered my ability to purchase my dream home and provide for my family 's needs, significantly impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, XXXX  and Trans Union. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, XXXX  and Trans Union which I did. XXXX  rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. XXXX  and TransUnion have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still XXXX  and TransUnion refuse to correct/update the report.
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 XXXX XXXX XXXX XXXX XXXX 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.

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 tha
t the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Incorrectly reporting late payments when paid as agreed for XX/XX/year> and XX/XX/year>. The mortgage loan was paid off in full in XX/XX/year>, this should not be reported as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}
Product: Mortgage

Ive attached the original letter that will explain how this started. To explain where we are now ... Ocwen refuses to release the remaining insurance proceeds so we can finish our flooded home and I have a letter from Ocwen stating once we were at 90 % repaired they would release and they will not do so. They received our initial insurance check on XXXX XXXX and after many many many fighting phone calls, and complaint with XXXX and La Attorney Generals office, they release the 1st pymt on XXXX XXXX. We had an inspection in mid XXXX and that came back at 90 %. and yet again not releasing all of the money, only a portion. Also, when this event occurred Ocwen waived our XXXX XXXX and XXXX payments and offered to spread them over 9 months with our 1st payment beginning with our XXXX payment. Our payment amount is XXXX and XXXX goes toward the payments of XXXX XXXX and XXXX ... .they have been reporting us late to the credit bureaus ever since. When I got our local authorities involved they corrected the late payments for XXXX XXXX XXXX and XXXX but are continuing to report us late for XXXX XXXX and now XXXX, sending my credit score down over XXXX points. I would like to receive the remaining {$31000.00} dollars in insurance proceeds released immediately and for them to correct all aspects of my credit file so that my score returns to what it was prior to them reporting incorrectly. Any help is much appreciated. I have attached several docs as reference that supports all that I have spoke about. Sincerely XXXX XXXX XXXX
Product: Debt collection

This collection agency is harassing me for debt that is not mine and not owed. Calling me all hours of the day, everyday since XX/XX/year> - multiple phone # s
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry is inaccurate, I never authorized an inquiry in XXXX for " Check into Cash ''. Fraudulent, was not me.
Product: Credit reporting or other personal consumer reports

i was XXXX XXXX XXXX when i became a victim of XXXX XXXX and someone has been using my personal information to obtain goods and services, i have been batling XXXX XXXX for the past 7 years and its been a challange seems like i cant stop the creditors from attacking me saying that i owe them money when i keep telling them it wasnt me and i am a victim of XXXX XXXX. please use code 605c and help me get this issue resolved.