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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 of 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

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge Off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$8900.00} XXXXXXXX XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I'm divorced XXXX I had a joint mortgage with XXXX they released me XXXX it was sold to XXXX XXXX then sold again XXXX to Select portfolio services ... ..XXXX Select Portfolio Services is now recording his loan on my credit ... .XXXX is out of business XXXX will not talk to me, because I'm not on the loan, but I was able to get a letter of release from XXXX, SPS will not honor it. SPS says the former banks did not know what they were doing and have be mistaken since XXXX. 

From what I understand, is that my X husband is the successor because the house was given to him in our divorce decree and when you do a modification after divorce you become solely responsible. My name is not on the Loan Modification and I did not need to sign the modification because the home belongs to him along with the promissory note. I also read that a loan modification is consider an assumption. 

Please help me, I just tried to help my daughter to get a loan for a car and we were turn down because of this error. We will try another bank Thank you for your time in this matter. 

XXXX XXXX
Product: Debt collection

I have uploaded all of the following documentation to show record of the original debt collector XXXX on behalf of Jefferson Capital Systems LLC offered as shown in the documentation a settlement in the amount of {$600.00}. I scheduled auto draft payments and held my promise to pay off {$75.00} a month. At this time the settlement has been paid in full. Ive recently received another letter for collection on the same debt for the remaining deficiency balance of {$400.00} from the original debt collector Jefferson Capital Systems LLC which looks as if the remaining balance was resold back to the original collector which doesnt make any sense why would you sell the debt and then buy it back?
Product: Credit card

I had to open a credit card with Synchrony bank in order to establish a phone service through Verizon. I did so and since the Verizon Synchrony account opened in XXXX XXXX, I have received only 2 statements, one in XXXX and one in XX/XX/. I am not enrolled in e-statements through Synchrony Bank credit card account so no statement is listed under my name on their website and Synchrony Bank will NOT mail a statement to me. I was told in XXXX or XXXX XXXX  phone call to Synchrony customer service they will not mail statements at all. The bank wants me to be late on the payment to be able to charge me fees and penalties. I have called numerous times to ask for a statement to be mailed and today, XXXX called, sent a message on their website requesting a statement. I do not know what they are charging me for what service and only can know the amount I owe and no other information. They are a horrible company with a focus on cheating and trying to hide bills, make you late in a payment and force you to enroll in their e-bills even though they offer a choice of ebills or paper statement. Do I not have the right to know what I am being charged for with a company? They share no information, no listing of charges, just an amount on their website that you owe. What are they trying to hide?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter
Product: Debt collection

I contacteXXXX XXXX XXXX XXXX XXXX XXXXone number XXXX in the beginning of XXXX about an issue with my credit report. JHPDE finance one instructed me to call XXXX XXXX XXXX about my account. XXXX XXXX settled that account for JHPDE finance one at the end of XXXX for the amount of XXXX as settled in full. Now JHPDE finance 1 Has put in my credit report that I/O {$1600.00} from my settled account. I filed with the credit bureau having no luck and having this removed from my credit report
Product: Payday loan, title loan, or personal loan

Loan originated on XXXX XXXX, 2017 for {$700.00}, loan # XXXX. The payments that have been made thus far : {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$50.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 Total amount paid {$1000.00} When I sent an email around XXXX/XXXX/2017 requesting to make payment arrangements, I was told that I had several more payments remaining. I personally feel that with the payments I have made to date, this loan should be considered as paid off.
Product: Credit reporting or other personal consumer reports

Accounts with XXXX and XXXX still showing on report These have been suppressed by other XXXX Ive disputed information pertaining to these accounts and am told theyve been verified but can not accept this as factual
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on Experian reporting the wrong amount of debt that I owe. In an attempt by Experian to appease me by only correcting the credit card debt from {$750.00} to {$55.00} dollars which is the correct amount. As of today I checked my Experian account and there is still a debt of {$120000.00} total. This is completely false also this information is coming from the Experian website. I want this information removed immediately this is fraudulant and damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is for my XXXX XXXX XXXX XXXX; account number XXXXXXXXXXXXXX. This company has anonymously reported my account late 3 times, one time in XX/XX/XXXX; again in XX/XX/XXXX; and another time in XX/XX/XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.
Product: Mortgage

I am the heir of a property with a mortgage serviced by Newrez. Newrez took over servicing on the mortgage from XXXX XXXX on XX/XX/2023. XXXX XXXX had already recognized me as the authorized representative of the estate ( as of XX/XX/2023 ) I contacted Newrez on XX/XX/2023 to change the name on the mortgage because I am now the sole owner of the house and the estate has been closed/discharged by the court. I have all necessary legal papers to prove ownership and final disposition of the estate. 
Newrez provided the following information ; XXXX. I was told I could not change the name on the mortgage and it must stay in the estates name. 
XXXX. I was told they had no record of me being the legal representative for the estate or the mortgage. 
XXXX. I was told I must have a property insurance policy in the name of the estate. I am the legal owner of the property therefore the insurance is in my name but the estate is a named as an additional interest in the property insurance. That was not acceptable according the the letter I received from Newrez on XX/XX/2023 XXXX. When I asked to escalate the case the Newrez call center representative said I had no standing to escalate and that no one in the company could help me. Said I must accept that the only name on the account can be the estate 's name. The call center representative told me my only recourse was to seek legal counsel at my own expense.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

ON XXXX XX/XX/year> I deposited a check for {$500.00} to my U.S. BANK ACCOUNT USING THE CAMERA DEPOSIT. THEY SENT ME A LETTER STATING THEY WOULD HOLD THE DEPOSIT LONGER THAN USUAL BECAUSE THEY HAD SECRET INFORMATION THAT MY CHECK WOULD BOUNCE AND WOULD NOT BE PAID. SECRET INFORMATION? I FEEL MY XXXX RACE WAS A FACTOR AND THEY WERE CALLING ME A " THIEF ''. I'M NOT A THIEF. I HAVE A CLEAN RECORD AS I PAY ALL MY BILLS TO U.S. BANK IN XXXX  XXXX CALIFORNIA WHENEVER I GO INTO THE RED. I ALSO SERVED OVER XXXX YEARS IN THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NO THIEF.
Product: Debt collection

No Contract_ I have requested proof of validation on several occasions. I asked for the original " alleged '' contract with my true signature and that of a qualified employee with the " alleged original creditor ''. After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. Since they failed to send me the requested proof I want this account closed and removed from my credit report
Product: Mortgage

I applied for a home loan with suntrust mortgage, Sun trust pre approved me for the home loan and conditionally approved me for the home loan and now claim the applications incomplete. Sun trust delayed the closing of the home for over three weeks and all conditions where met and witnessed delivered. Sun trust keep adding condition to the conditions purposely delaying my home closing. further more they made me pay for an appraisal of XXXX that is worthless without financing. Sun trust also tried to make me pay for a survey of XXXX and I said I would n ot pay that there is a survey registered with the town. Suntrust sent me the application stating only 1 months income and 2 months bank statements they have demanded 2 month income I provided and 4 1/2 months bank statements that violate there own policy. Also I have an email clearly states I am paid XXXX this is a lie and wrong. I have been unfairly treated and denied a home loan that I clearly am overqualified for a simple approval, this is discrimination.
Product: Debt collection

Wayfair/Commenity is again attempting to collect a debt of {$12.00} I do not owe and on a CLOSED account. Last year the same mistake in a XX/XX/202 statement for a balance of {$70.00} I did not owe and it was revered after a previous CFPB complaint. 

This needs to stop. The account needs to be CLOSED as i requested in XX/XX/2020. I do not owe a debt after paying off 3 payments of {$310.00} IN FULL as of XX/XX/2020. Their lack of a customer support line towards a dedicated dispute agent has yet again left me no way to communicate the issue with anymore within Wayfair/Commenity group.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I found out from Experian that XXXX XXXX Card Services,  XXXX XXXX Executive office conducted two investigations into my accounts. Neither Experian nor XXXX XXXX sent me any notification, wriiten or otherwise regarding this matter. On the contrary, on XX/XX/XXXX they sent letters stating that the investigation was continuing. 

After spending 2 1/2 hours on the phone with Experian yesterday my account was abruptly closed. 

Here is a brief history : in XX/XX/XXXX I went into a XXXX XXXX branch and inquired why my secured credit card showed as deputes and resolution the banker told me that it wasn't in disputes and resolution that was only IF I wanted to dispute something. I called card services they confirmed what the banker told me. In XX/XX/XXXX after 10 months of ongoing fraud, online banking fraud, fraudulent email changes, address changes, phone number changes, unauthorized payments made to cards I knew nothing about, steady decline in my credit score despite paying more that I owed, being lied to by executive office, inaccurate credit reporting, mail fraud, legislative credit freeze ( whatever that is ) double billing, investigation and re-investigation and never getting the results and being lied to about it
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15USC 1681 I have not give anyone my written instructions to put negative items and debt on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few XXXX XXXX XXXX XXXX and. XXXXXXXX XXXX Hard inquiries on my credit and I believe someone was trying to open those accounts under my name. I did not authorize them yet they are on my credit report as hard inquiries.
Product: Credit card or prepaid card

I had a valid credit card from JCPenny from 2016 which had been paid with no defaults for till XX/XX/XXXX. 
On XX/XX/XXXX, we went to purchase clothing from JCP but forgot to take the JCP credit card.

So, a JCP Employee asked for social security number to search the account but opened a new credit card account without our consent and billed the purchase there. 
After some time I started getting credit card statements over email and realized ( based on the last XXXX digits ) that a new card has been opened on my name. 
So, I went to the JCP store promptly ( on XX/XX/XXXX ), told them the problem and asked them to close the account as we have not opened on my consent. 
JCP asked us to make the balance to zero and we gave cash at the store so that they could apply on the balance to make it XXXX. 
Till then, we have been charged late fees and being mailed statements every month with an increasing card balance now amounting to XXXX I talked to Synchrony bank who opened the account several times, but they are yet to close this account or take any action for fraudulent activities. 
They kept asking for social security number ( I was reluctant to give over phone because of the above concern ) even after they verified out our identity with other information from the statement I have. 
They asked me to make the payment which I am not liable for and did not record for investigation of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing XXXX XXXX XXXX  XXXX XXXX is missing from Transunion XXXXXXXX XXXX  incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account opeXXXX XXXX XXXX XXXX - missing reporting on Transunion XXXX. XXXX XXXXXXXX XXXX missing consistent reporting on Transunion and XXXX, date open, and status XXXX XXXX  incorrect reporting, date open, status, payment history, and paid off XXXX XXXX incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( XXXX XXXX : XXXX  ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly XXXX. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXX. XXXX XXXX XXXX incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted the bank in regards to loans XXXX, XXXX, XXXX and XXXX all which had foreclosed due to a mixture of inaccurate information and income problems due to XXXX. I reached an agreement to settle all XXXX accounts at 25 % of the balance at that date. 
Loan Original amt on XX/XX/XXXX XXXX {$11000.00} XXXX {$8600.00} XXXX {$17000.00} XXXX {$19000.00} Totals {$57000.00} The company went on to again provide XXXX. Inaccurate calculations of the amount due XXXX. On more than XXXX occasions I was advised that the accounts were paid in full XXXX. Advised that this will be updated on my credit report within 30 days, it has passed 30 XXXX days and still there. 
XXXX. I have disputed it on my credit report on XX/XX/XXXX and the company has again inaccurately validated that the full amounts are correct. 
XXXX. I have even disputed it here only to have the representative ignore the valid information I emailed her and then be provided a response advising of a 40 % settlement which is both Inaccurate in calculation and statement. 
I have provided copies of the inaccurate calculations for your reference and also a copy of the last response Loan Original 25 % Settlement Discover Calculated XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX Totals {$57000.00} XXXX XXXX XXXX To date I have paid discover all of the monies that we agreed upon and have confirmed on many occasions that it was settled. 
In addition I reviewed the statements on this account from origination and it shows the initial date of delinquency XX/XX/XXXX at which point I was charged late fees of {$15.00}. 
These accounts should be settled and as a result of the first date of delinquency being past 7 years these accounts should no longer be on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX .... 
Account # XXXX .... 
Account # 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 an account without my written instructions.