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

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. I have also attached a notification from Experian that this item is deleted from my credit report however, it is still being reported. ) I was searching for a place to live while I was in XXXX and I saw an advertisement for 2bed/2bath apartment. I spoke with Ms. XXXX over the telephone and she showed me the apartment unit on XXXX so I trusted she was showing me the apartment I agreed to rent. I sent her a deposit of {$2500.00} and signed the lease agreement. As it turned out, the apartment she actually wanted to rent to me was a 1bed/1bath unit. ( I have attached a copy of the add she sent me along with a copy of the text message from her. ) I told XXXX I have a family and required a 2bed/2bath unit and that I wanted the unit we had initially agreed upon which was the 2bed/2bath unit. She informed me that this unit was not available. I decided not to rent the place simply because ( 1 ) it was not large enough, and ( 2 ) I was completely misled. Ms. XXXX would not let me out of the original lease that was signed and she would not return my security deposit either. This is fraudulent advertising and Ms. XXXX willfully took money from me under false pretenses. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/2024 ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXXXXXX XXXX actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

There are 6 missed payments reported on my account. I am a victim of identity theft and just received full access to my bank accounts again.
Product: Student loan

Starting XXXX XXXX, 2017, I was called by XXXX XXXX XXXX telling me that I needed to pay a loan that I received from XXXX XXXX XXXX XXXX. They were calling my job because they said that was the only number they had for me. They also asked for my address because they did not have it. I provided them with both my home number and my cell number along with my address because I thought they were referring to something else. In speaking with them I have received conflicting information on how they received the loan. I was told that they bought it from XXXX XXXX who in turn bought it from the state of Louisiana. XXXX has sent me numerous letters telling me that I must talk to them or they were going to garnish my wages. They have also called me on a daily basis threatening me with wage garnishment if I do n't set up a payment arrangement. I researched the loan in question with both Navient and the Credit Bureaus ( through XXXX XXXX ). All sources I have researched have stated that I do not owe on this loan. My balance with Navient is {$0.00} and I have no negative hits on my credit report because of this loan.
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with XXXX and Experian, which XXXX acknowledged on XX/XX/2022 at approximately XXXX XXXX  XXXX was incorrectly sent to XXXX XXXX XXXX. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying XXXX XXXX XXXX that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to XXXX and Experian, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. 

When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.
Product: Debt collection

I have been getting bills from Synchrony Bank regarding an account that isn't mine. I told Synchrony many times NOT to continue to harass me for a debt that isn't mine. There is no Synchrony account on ANY of my credit reports. But Synchrony has continued to send me billing statements at least every 30 days for over a year. 

As a XXXX person, I am protected under New Hampshire XXXX from harassing collection practices, and Synchrony 's continued incorrect billing constitutes harassment under NH RSA 358-C:3.

Under New Hampshire law, specifically NH RSA 358-C:3, it is illegal to : Continue communication with a person after being notified that the debt is not their responsibility as Synchrony has done Engage in conduct which can be expected to harass or abuse any person in connection with debt collection as Synchrony has done. 
Make false representations about a debt or its collection as Synchrony has done. 

Additionally, as a XXXX person, I am afforded special protections under NH RSA 167-D, which provides additional safeguards against harassment. 

I am hoping that you will publish this complaint on consumerfinance.gov so others can learn from my experience and that you will contact Synchrony bank and tell them not bother me anymore. I don't have any of Synchrony 's letters scanned into my computer nor do I have a scanner to do that. But Synchrony knows what it has been doing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report.

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Debt collection

THIS COMPANY HAS NOT VERIFIED NOT INVESTIGATED AND HAS FURTHER PURPOSELY AND WILLFULLY WRITTEN DEFAMATORY STATEMENTS AND WRITTEN ILLEGALLY FALSE STATEMENTS UPON AN UNVERIFIED ACCOUNT.THIS COMPANY HAD NOT PROVIDED ANY CONTRACTS WITH SIGNATURES.PLEASE REFER TO PREVIOUS COMPLAINT FILED XX/XX/XXXX WHICH HAS ALL DOCUMENTS.THIS COMPANY HAS BEEN REPORTED FOR TAX FRAUD FOR FILING A FALSE 1099-C FOR A DEBT THAT HAS NOT BEEN VERIFIED AND HAS NOT FOLLOWED FCRA 609. THIS COMPANY HAS PURPOSELY AND WILLFULLY BEEN NEGLIGENT.THIS COMPANY IS TO REMOVE ALL ILLEGALLY REPORTED DEFAMATORY AND CREDIT REPORTING ON UNVERIFIED ACCOUNT IMMEDIATELY AS THEY FAILED TO DO SO SINCE XXXX. THE BOTTOM LINE THIS CORPORATION HAS BEEN REPORTED TO THE INTERNAL REVENUE SERVICE FOR ILLEGALLY FILING A FALSE 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I had a XXXX data plan and it never worked and I did not use it and returned it back to XXXX within the return time period a long time ago. They kept my name on some account with them when I dont have an account or contract with XXXX. I am with my current provided for almost 10 years and I have not signed up for any XXXX services. I am going to file a lawsuit against this unknown account and company for having placed derogatory negative mark hurting my credit score. 

I have no clue what is Source Receivables Management and have never been contacted about this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 Santander consumer USA , possible financial.
Product: Debt collection

I sent a letter of concern as told by collection Agency by email and fax. I attached my proof of residence with lease and dates as proof that I did not reside in area ( different states ... .I lived in Texas the bill was for Washington DC ). I was told that they would contact utility company to handle situation. I expressed that this matter was urgent because I'm applying for a major purchase and this adversely affecting my score. The agency said they would resolve the situation and they never did. Supervisor said she would resolve issue and contact her the next day because she would expedite the situation. I've called back every day the past week and I keep getting the run around and stall tactics, and nobody has called me back or responded at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information trying to apply for credit I have notified transunion they have not removed the false information. 
XXXX. XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Account Name : DISCOVER FIN SVCS LLC Account Number : XXXX Date Opened : XX/XX/2011 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Checking or savings account

I have inquired multiple times about no overdraft fees that they advertise. I have spoken to them XXXX times in the past and this XXXX time they told me about a different checking account. Why wasn't this discussed before, why are they just now telling me. My XXXX contact was XXXX I should be credited all overdraft from this date since no other suggestions were made but to pay the fees
Product: Credit card or prepaid card

This complain is against : XXXX XXXX Visa Credit Card On Thursday, XX/XX/2019 I received an e-mail from XXXX XXXX Credit Card services notifying me of a possible {$10.00} fraudulent charge. I noticed my credit card was missing and I knew I had not made any recent purchases, so yes it was not me using that card. I proceeded to contact their fraud department and they said they would be cancelling the card and sending me a new one.  Today, a full week after I made that call, I realized that I still had not received my new credit card and then I get an e-mail from XXXX stating that XXXX XXXX had closed my account. When I called XXXX XXXX Credit Card Services to confirm and to request more information on why my account was closed, they proceeded to tell me that my account had not been closed. When I informed them that I had received notification and I could no longer see that account on my report, the they said that yes, my account had been closed due to fraudulent activity. They were not listening to me and were not answering my questions or addressing my concerns and they recommended I report them to the credit bureau if I had any issues. I want to know why my account was closed without my consent.
Product: Mortgage

XXXX  XXXX XXXX sold my mortgage to Carrington Mortgage Services with an effective transfer date of XX/XX/XXXX. 

Today is XX/XX/XXXX. I contacted Carrington to obtain my loan number so I could make a payment and get some information regarding my escrow and advise them on my upcoming due property tax payment. 

Carrington was unable to retrieve my loan number. In their words, they could not see my loan because it hasn't been transferred over and hadn't yet been onboarded. When I asked for additional information regarding the delay, I was told that they had XXXX accounts transfer over from XXXX  XXXX XXXX. When I asked the estimated date that my account would be visible so I can make a payment, their response was simply, " It's hard to say. '' According to the " good bye letter '' from XXXX  XXXX XXXX, I should have heard from Carrington no later that 15 days prior to the transfer date. I have yet to hear from Carrington. 

I tried calling XXXX XXXX XXXX, who would not provide me with any information because they no longer own my mortgage and state they can not access my information any longer. 

Carrington Mortgage Services now owns my loan. Regardless of any logistical mishaps in the transfer process, someone should be able to access my information.
Product: Credit reporting or other personal consumer reports

My information was exposed in data breach, I previously have try to dispute some items off my credit due to wrong information attached to item like telephone numbers address and items I never regconize I now know my information was exposed in date breach as well I want a turtley review in my account to removed all items. Follow up information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy.

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records.

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting or other personal consumer reports

I

am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXXXXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES
Product: Mortgage

My HELOC loan was transferred to Loancare ( Tel XXXX ) from XXXX-XXXX  on XX/XX/2021. My loan number # XXXX shows up in their system but the website is not allowing payments and I can not get a payoff quote when contacting them by telephone. My pay date is XXXX so I don't want to go into default on the loan, which is why I'm trying to pay off the entire amount. I have called at least 5 times and I get different information every time I call regarding when and how I can make payments, but I'm never allowed to make any actual payment! If you need to reach me call anytime at ( XXXX ) XXXX
Product: Debt collection

I requested that the debt collector issue a 1099C ( debt forgiveness due to the financial and emotional issues I am dealing with as a result of COVID 19. The company has not even acknowledged my request.
Product: Credit reporting or other personal consumer reports

On XXXX a letter, FTC Report, and a XXXX XXXX Identity Theft Police Report was mailed to Best Buy via certified mail return receipt. Certified Return Receipt was signed and dated by Best Buy on XXXX. Best Buy has Not responded to my Identity Theft filing with them. Pursue FCRA 605B 15 USC 1681C-1 of Identity Theft Best Buy must Delete and Remove their account from my XXXX credit report. Best Buy continues to violate my rights. Best Buy has been ignoring my complaints to them via through XXXX and via through me directly. To be in accordance and in compliance with the Fair Credit Reporting Act ( FCRA ) Best Buy must contact XXXX to Delete and Remove their Fraudulent and Identity Account from my XXXX credit report/file.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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 customer safety.