23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synerprise has been reporting a fraudulent collection on my credit reports. I only found out about this collection from reviewing my credit reports. Synerprise continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the TX Attorney General, the XXXX and the KS Attorney General. 
The account number listed on my Equifax report is XXXX. The last XXXX numbers have XXXX 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & KS Attorney General offices. 

I also plan to file complaints against XXXX for ethics violations with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a proven fraudulent account to be deleted off my XXXX   Credit report. It was not investigated correctly. I submitted the same dispute to XXXX and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX Balance : {$3700.00}
Product: Checking or savings account

To whom it may concern ; On XX/XX/XXXX, I've asked Alaska USA Federal Credit Union to stop a direct deposit that was going into my account on XXXX XXXX. They said they couldn't stop it. That I would have to close the account and reopen another one. So I did what they told me. I also told the bank that this deposit CAN'T go in my account. They said that it wont go in because your account is closed. That it will go back to the sender. The credit union told us the our account is secured. So that weekend my wife and I had to change ALL of our accounts that had direct deposit. On Tuesday the XXXX, we noticed that our bank transferred that deposit that we worked so hard to stop. I asked our bank how did this happened? They replied that they did it as a courtesy. I didn't ask for that. I was so upset. I also found out that the bank gave this institute my new account number which I told them NOT too. Now my wife and I have to babysit our account because of what Alaska USA Federal Credit Union did. I was stopping an institute called XXXX XXXX from depositing any monies into my account. XXXX XXXX wont comment on how this mistake happened. I thought it was prohibited to give out personal information on bank accounts. Especially an institute that I told them about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collection accounts on my XXXX credit reports from XXXX XXXX XXXX in which they documented a XXXX late on my credit reports in XX/XX/2021. Only original creditors can report late payments - I have never entered into any agreements with XXXX XXXX systems, therefore they can not report late payments. These late payments caused my score to go down and are negatively impacting my credit. I disputed these accounts with all three CRAs on XX/XX/2021 and all came back as " updated '' with no removal of the late payment documentations. These late payments are fraudulent, erroneous and incorrect information being reported. I request due to these inaccuracies the accounts be permanently removed from all XXXX reports. Accounts are as follows : XXXX, XXXX
Product: Mortgage

Evidently there have been multiple foreclosures on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Wells Fargo says one occurred on XX/XX/year>. The one I received an overage check for on XX/XX/year> occurred on XX/XX/year>. I had an FHA mortgage and was given notice to secure s modification.
Product: Money transfer, virtual currency, or money service

I temporarily locked my Coinbase account due to fraudulent activity that has since been resolved. Its been 2 months Ive been trying to contact Coinbase to no avail. They say they are still reviewing the issue. They have over $ XXXX  of my money and theres nothing I can do about it. Im at their mercy.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 



Acct. XXXX XXXX XXXX XXXX late 30 days XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX  inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was working with XXXX  XXXX XXXX to refinance my house. 
They gave me a great rate of 3 % on a 15 year fixed loan. They tried to pull my credit reports to lock the rate, and the XXXX  XXXX XXXX rep told me that my Equifax report is frozen. He recommended I talk to them. I called their general number, at XXXX XXXX XXXX, and spoke to an agent who said he could not access my report. 
Get this : Equifax could not access my Equifax report. He wanted me to send additional documents to prove my identity. I said not a problem. I need the report to be accessible today so that XXXX  XXXX XXXX can lock my great rate. He said it will take 7 buisiness days. 
I explained that I do not have the luxury of time. I asked to me transferred to a supervisor. I spojke to XXXX employee id ( XXXX ). He also said that it will take 7 days. I explained again that i am in a time sensitive situation, and they must be able to do their job and access mny report when I sned in the documents. He was not understandable. I asked to talk to his supervisor, and he said that his supervisors " don't take calls ''. I asked : are you telling me as an equifax representative you are the highest in the company I can talk to? he said yes. I asked about the name of the CEO and address to send in a letter of complaint. He refused. I called the corporate office numebr listed on the internet : XXXX XXXX XXXX. The operator would not tranasfer me to anyone in the leadership and hung up in my face. 
Equifax is holding my equifax report hostage. I can't go on with my financial transactions because of that. This is a very incompetent company. It should be dissolved, and their rocords purged. There are 2 other companies that are doing the job. Why is equifax still allowed to control people 's lives with their incompetence? 
I need access to my equifax report.
Product: Mortgage

I have previously filed a complaint concerning my treatment by NFCU. Sometime after filing my complaint, they agreed to a {$23.00} XXXX dollar settlement. I have previously been behind on my mortgage, while waiting on the XXXX 's XXXX to grant my XXXX claim and subsequently was rated at 100 % XXXX. My wife is now seriously ill with XXXX XXXX and we are falling behind once more. They have not changed their practices at all. They either have done or are still doing everything voiced in the complaint. I could use my settlement money to get caught up with them, but they are extremely tight lipped about the settlement, and will not even confirm that I am on their settlement list. In my previous complaint to the CFPB and XXXX, they just deflected and lied. Why is this allowed to continue? In the section below, I have had a problem with all XXXX choices, and it will only let me choose XXXX.
Product: Checking or savings account

On XX/XX/XXXX i got a payment for XXXX $ to my company XXXX XXXX XXXX XXXX at Citi bank and i start to do business as usual XXXX XXXX XXXX, I did the first payment of XXXX $ to XXXX buyers but it got rejected because I took an old information and didnt know their account was close at this time. 
Well then I tried to make other payment and the bank just freeze the account and its under Investigation cuz they though it was fraud but now its almost 2 month since ny account is in process of closing and they havent send my money to my house or unfreeze my money. They didnt even return the money they want to stole my money and I need to fix this asap. 
The company or the bank involved was Citi bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mother is XXXX XXXX XXXX and has XXXX, I have a POA for her which also gives me access and control to her financial affairs. She has a joint bank account with her husband from whom she is separated and has not been in contact with for many years. His last known residence is in the XXXX, but no one has been able to find him. 

I went to the bank with my POA and requested access to the account, they declined. I asked for a written reason which they sent in a letter dated XXXX, XXXX XXXX. The reason for denial of the request is that they would require written permission from the other joint account holder before they could honor the POA. 

My lawyer is of the opinion that the POA gives me access to all her financial accounts. And indeed it was accepted by XXXX XXXX XXXX, The account is active and continues to receive a monthly social security XXXX. However, because of the banks refusal to accept the POA we are unable to access the funds and to our knowledge neither has her ex husband. Because of her XXXX, my mother is unable to go to the bank to gain access to her account.
Product: Payday loan, title loan, or personal loan

Applied for personal loans and received approval for loan. Then called to speak with loan representatives XXXX XXXX who was very Rude and stated in order to fund money to my account he wants photos ID of Divers license, Bank account, password and account user name. Very hard to reach him after all information above sent to him. What a scam! Lying to people who already is in need of loan! What a fake Bank cooperation!
Product: Mortgage

Village Capital was supposed to approve a VASP modification program for me, based off the XXXX telling me that was the best option instead of XXXX to prevent foreclosure. They denied me because of the claim I was in active bankruptcy. My ex-wife who was never on the mortgage and is no longer on the deed claimed her own bankruptcy. Yesterday, finally village capital dropped the case of objection against her bankruptcy due to the fact that she never signed the note. I was on the hearing today and listened to the judge, the trustee, and her attorney speak about. They were all in agreeance that it should have never been on her filing. With that said, I would as soon as possible appreciate if my VA VASP refinance is pushed through.
Product: Debt collection

Agency Name : Commercial Recovery Systems , Inc. 
Debt is from XX/XX/XXXX? XXXX XXXX. 
Received a letter from them on XX/XX/XXXXSent a Certified Letter Requesting cease and desist calling my parents and son, also to call me directly on my mobile number. They continue to call all numbers regardless. I was threatened with court action, I requested then to be served so I can defend my self in court. They asked for my attorneys name. I did notprovide this information. Nothing they continue on. 

I am extremely worried that they may present a claim in court that I would not be aware of and get an unfair judgment against me. 

Was called today with the same story and I proceeded to request to be served at my place of work at which time the lady hung up. 
This is now getting ridiculous for a dept. I do not even remember having all my other depts. where paid in full or settled with XXXX payments several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as XXXX under the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX  XXXX # : XXXX XXXX : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a negative collection/chargeoff from capital one.This account has been closed since XX/XX/XXXX. The full balance was paid. Capital one still shows a negative account on my report. I disagree with this negative report from capital one. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are refusing to move an obsolete account. I have disputed the account from XXXX XXXX account number XXXX, open XX/XX/2005. This account is reporting incorrect information including the account has been closed over several years and both bureaus are refusing to remove. When I contacted XXXX XXXX they inform me to dispute with the credit bureaus and when I dispute with TransUnion and XXXX they indicate XXXX XXXX verified. Well since I could not get a resolution, I requested that both organizations provide me with a Method of Verification, which includes the party who verified, address and phone number, so that I may obtain assistance with this removal in which neither bureau would provide me with this information, I do not understand why they did not. Again, I am requesting the removal of this obsolete account.
Product: Debt collection

I noticed some incorrect information on my credit report. I have never had an account with the XXXX XXXX XXXX  I have never traveled to Missouri nor have I ever lived there. My credit report states that I have a balance of {$410.00} with the XXXX XXXX XXXX. I believe this is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In the first half of XXXX, I tried to cancel my monthly subscription service with the security monitoring company XXXX. They made it very difficult. They said I have to submit the request in writing. I did that, nothing happened. I got no response. I called them again and they said I have to include a bunch of difficult to find information such as my login, password, account number, etc. I did that. I continued to get billed. I sent them a final notice and notified them that I will be cancelling my credit card they had on file. As I furnished them with all their requests in order to cancel my service. 

Sometime a couple years later, I was contacted by a collection agency. I informed them about the status of my account with XXXX. I provided them with a copy of the letter I sent to XXXX. 

Then in XXXX, I saw recurrent overdue information on my credit report when applying for a loan. The overdue information was being input on my report every month for almost a year. I initiated a dispute with XXXX. They deleted the entries. 

Then I recently noticed the overdue notices appearing again on my credit report. I disputed the overdue record again. I also informed XXXX  that they had already removed this information back in XXXX. This time however, they sent me their dispute results and only have the entry modified. XXXX should stop the collection agency from continuing to input the same disputed and deleted information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX account # XXXXXXXX XXXX account # 's XXXX and XXXX, XXXX 's account # XXXX, XXXX  Credit account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.