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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 



Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Attn : GE/CareCredit/Synchrony Bank/Consumer Financial Protection Bureau To Whom it May Concern : In regards to the letter that was attached to my complaint through the CFPB regarding Synchrony Bank/Care Credit ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c ) that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against Synchrony Bank, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of.Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no XXXX copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against GE/CARECREDIT. Also in this letter they stated they received disputes electronically starting only this year. It is reporting to XXXX and XXXX but not XXXX. I have requested that XXXX  send me copies of any dispute results I have made within the past 24-36 months because of this deception and fraud. The detailed transaction history attached is very vague because I do not know where these transactions occurred or how they occurred. What are they for? No healthcare provider can fill out application for credit for any patient at all whatsoever. I trusted the oral words of healthcare provider who stated if you make monthly payments you will NOT be charged interest on this account.
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 : 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 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 card

capital one XX/XX/2021 i call capital one i never use this card i was a victim of fraud I am writing to express my utmost dissatisfaction and concern regarding fraudulent activity that has occurred on Capital One credit card account. I recently discovered unauthorized credit card account
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are falsely reporting account XXXX in the amount of XXXX.
Product: Checking or savings account

On XX/XX/2023 I found out that there was a withdrawal of {$2000.00} from one my Bank of America account that wasnt approved by me either my girlfriend. I quickly called the bank to ask hows that money came out of my account they werent able to tell me if it was a check or depit card withdrawal. They decided to file a check claim fraud. On XX/XX/XXXX the funded my account with a {$2000.00} temporary credit. And on XX/XX/XXXX they decided to get {$2000.00} back from my account stating that I approved the {$2000.00} check fraud to be withdrawn from my bank account. Thats not true, they cant even provide me any details about the claim process. Please help me!
Product: Debt collection

On XX/XX/XXXX I received an alert from XXXX   regarding a change in my credit report. After accessing my report, my score dropped 17 points due to collection that was placed on my report on XX/XX/XXXX from Afni Collections. I never received any notice regarding this debt, nor did I receive a phone call. After calling and speaking to a representative, they had complete disregard that they failed to validate this debt before placing it on my credit report where my score dropped. I am now in the process of buying a home an my realtor is not willing to move forward because I now have a negative remark on my report that sets me back another 30-45 days until this dispute has been handle and removed. This is completely illegal to place a debt that has been discharged in my chapter XXXX BK as of XX/XX/XXXX. When I tried to explain this to the representative, again I was ignored. No regarding for the fact that this debt was no longer valid and hindering me from moving forward in purchasing a home. I have disputed this debt with XXXX  and Afni, providing Afni with all the details of my bankruptcy. I would also like to mention that when the rep tried to verify my information, NONE of it was correct, and I did NOT provide any updated info. Collections companies are required to verify a debt prior to reporting to a credit bureau. This is a tactic that many of them use to get you to call them so that they can collect a debt. Please note that the debt is listed for exactly 1 day on my report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I have recently reviewed. The report contains incorrect personal information and unauthorized credit inquiries, as well as accounts that do not belong to me. The items are as follows : Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you investigate these items, remove or correct the inaccurate information, and provide me with an updated copy of my credit report. If you are unable to resolve these issues, please provide a written explanation as to why the information is considered accurate.

Please note that I am attaching a copy of my credit report highlighting the disputed items. Additionally, I am enclosing copies of relevant documents that support my dispute. For your reference, my Social Security Number last digit is XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I would like to address the problem of an incorrect account on my credit report that is still listed as accurate in spite of the supporting documentation I have included in the letters that are attached. Despite the fact that the material is obviously inaccurate, no changes have been made. 

The Fair Credit Reporting Act ( FCRA ) is violated by this inaction, especially 15 U.S.C. Section 1681i, which requires credit reporting organizations to adequately look into disputes and fix mistakes. I request that you look into this again and correct or delete the false information from my report as soon as possible.
Product: Checking or savings account

I called wells fargo to stop payment on XXXX automatic payments. i specified that I only wanted stop payment on the XXXX payments I confirmed XXXX the XXXX representative assured me all future payments will be fine. XXXX week later I made XXXX manual payments only XXXX went through XXXX automatically stopped payment on one of may manual payments after they assured me they would not. my mortgage conpany charged me aprox {$170.00} for late fee. wells fargo refuses to cover the late fee they caused. they also refuse to give me a copy of the transcript showing the covnersation with the custoner service rep.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to escalate a credit report dispute that I have been unable to resolve with Equifax, XXXX, and XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have previously submitted disputes to Equifax, XXXX, and XXXX regarding inaccuracies in my credit report, as allowed under the FCRA. 

I initially submitted my disputes on XX/XX/2023, XX/XX/2023, and XX/XX/2023, by certified mail with a return receipt requested. Despite the 30-day requirement for investigation, I have not received a satisfactory resolution to the disputes within the prescribed timeframe. 

The inaccuracies in my credit report pertain to the following : XXXX XXXX # XXXX I noticed you are reporting multiple XXXX late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX # XXXX You have previously verified this account as accurate. However, the past due amount is not reporting accurately and must be removed from my report. 

TDRC/ROBBINS # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 

XXXX # XXXX The date of the last payment is not reported consistently and/or accurately. Please remove this from my report. 

XXXX XXXX XXXX XXXX  This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

XXXX XXXX XXXX This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

I believe that the failure to correct these inaccuracies is in direct violation of the FCRA, which stipulates that credit bureaus must promptly correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ). Additionally, the FCRA requires that a consumer reporting agency conduct a reasonable reinvestigation to determine the accuracy of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

I have enclosed copies of the original dispute letter ( s ), supporting documents, and correspondence with Equifax, XXXX, and XXXX for your reference. I am providing this information to demonstrate my good faith effort to resolve these inaccuracies. 

I kindly request that you conduct a thorough review of my dispute and compel Equifax, XXXX, and XXXX to correct the inaccuracies as mandated by the FCRA. I also request that any information that can not be verified as accurate be removed from my credit report, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

I appreciate your prompt attention to this matter and your assistance in ensuring that my credit report accurately reflects my financial history, as required by the FCRA. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I sent correspondences to Experian, XXXX and XXXX about an unauthorized derrogatory account listed on my credit profile. A resolution has yet to be made.
Product: Debt collection

XXXX and their debt collection company Credit Protection Association continue to report a debt on my credit report at all XXXX agencies despite this account being reported as opened via identity theft in XX/XX/2016. A police report was also sent to Credit Protection Association in XX/XX/2016. They continue to report this debt as in collections despite being in receipt of dispute documentation. XXXX also did not attempt to contact me or send any written notice of collection in advance of sending this debt to collections. They are both non-compliant with Fair Credit Reporting Act requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XXXX XXXX XXXX  XXXXI did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from Sofi about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called XXXX  and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from XXXX  XXXX XXXX I did not request a credit card from them. 

I have placed a credit freeze with all 3 credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open care credit with XXXX XXXXThat is the only recent credit line that i applied for.
Product: Mortgage

FCI Lender services became the servicing company for my mortgage loan ~3-4 years ago. I have been paying on the loan since this time with no late or past due payments. Upon refinancing another mortgage I learned none of my payments ere being reported to the credit bureau. In order to pay off this company a verification of mortgage was needed. This process was very complicated and I later found out cost {$25.00}. This charge I was unaware of until I received my monthly statement. On XXXX/XXXX/16 I called in to pay off my loan. Upon speaking to the CSR I was told that I could n't pay off my loan without a payoff. After telling her the amount I was given on the verification she informed me that amount was n't correct and I would need a payoff that would have to be sent in the mail. This would take time and the interest as well as monthly draft would continue. After much discussion, she informed me of the {$25.00} outstanding fee, as well as an {$18.00} fee for phone payment that would be added to the amount that she could not verify as the payoff or not. After making check payment, I was informed the check would take 10 days to clear which could involve further interest as this had to be verified by the lender. I requested to speak with a manager and initially told the manager was gone because they had already closed. Then asked to hold on for her to find someone. XXXX came to the phone and offered no resolution to the issue of waiving any fees and again assured me of the time frames of check clearance and the possibility of further interest accrual. She also informed me the request for a payoff was {$30.00} and the only way to get funds quicker was to wire the money or do cashiers check. Again, more money to simply pay off what was already owed.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX charge-off account in the amount of {$340.00} from my credit report. This account, which I disputed, was deleted from my XXXX credit report following the completion of their investigation on XX/XX/year>. XXXX deletion of the account confirms that it is unverifiable and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure the accuracy and completeness of all information they report. As XXXX has completely deleted this account, you are now obligated to remove the same account from my credit file to maintain compliance with federal consumer protection laws. 

In addition, the FCRA requires that credit reporting agencies remove any information that can not be verified. Under FCRA 609 and 611, if an account is found to be unverifiable or lacks sufficient evidence, it must be deleted immediately. I request that your agency conduct an investigation and remove this account from my credit report within 30 days from the date of receipt of this letter.

Should you fail to comply with this request, FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. If the account is not removed within 30 days, I may pursue legal remedies, including suing for damages for failure to uphold your obligations under the law. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed from my credit file, or provide documentation proving its accuracy and validity. 

Failure to act promptly will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries with out my authorization on my Credit Report .. INQUIRY By XXXX XXXX XXXX on XX/XX/XXXX And XXXX on XX/XX/XXXX. I Contact the Credit Bureaus Experian But No Action Was Taking on they in
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Checking or savings account

It is a known issue that has not been resolved in days. I usually get my paycheck deposited early on Thursdays when payday is Friday. I waited until Friday to reach out to the company because I get sometimes things happen but theres no reason I should not have access to my paycheck on Friday. There is no ETA on the fix and I have bills that need to be paid and I dont have any groceries or gas to get to work because I live paycheck to paycheck.