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

On XX/XX/2024 The credit bureaus stated XXXX XXXX was properly investigated, that I did not supply enough proof. Please see my police report thar verified my complaint. Also I tried several times to upload this information on experian site and would not work. I am a Victim of fraud and identity theft and I feel that I have been treated unfairly and like a liar. This has hurt my credit and continues to cause anguish in my life. 


This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. This account is currently closed and under investigation from kohls and correcting all fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These items are unknown to me. Also, the information you provided on some items is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX XXXX XXXXXXXX
Product: Debt collection

I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr from a merchant called XXXX XXXX on XX/XX/XXXX and never received it. The total of the purchase was {$89.00}, which I financed through XXXX XXXX via Affirm. I made a downpayment of {$22.00} on XX/XX/XXXX and was scheduled to make three more payments of {$22.00} on XX/XX/XXXX and XX/XX/XXXX, and the last payment of {$22.00} on XX/XX/XXXX, which now Im receiving past due notices because I discontinued the payments because of no delivery. I have tried contacting the merchant by email multiple times, but there has been no responses. I also contacted Affirm about regarding the non delivery, but they are still holding me accountable for the payments. A dispute was opened and supposedly a claim was filed by an associate at Affirm, but I havent been able to accomplish anything on either one. I really think the company was a scam and both Affirm and myself have been scammed, which is why I think I should not be liable for the payments. I believe Affirm should be more aware of the merchants they advertise on their website.
Product: Credit reporting or other personal consumer reports

Hello I saw your response on CFPB and you did not delete everything : Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX XXXX is listed as ending in XXXX XXXX is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXX XXXX  XXXX XXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXX XXXX  and XXXX XXXX  ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud.

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Credit card or prepaid card

On XX/XX/2020 I applied for a credit card from Synchrony Bank in response to an in store promotion at XXXX XXXX XXXX promising a 20 % discount if I applied for and used the Synchrony card. I applied in connection with a {$4500.00} purchase, but was granted only a {$1500.00} credit line, preventing me from receiving the 20 % credit on {$3000.00} ( {$600.00} ) and also forcing me to use other funds to cover the {$3000.00} credit shortfall. 

I immediately requested Synchrony reconsider its initial decision, but was declined because the Synchrony account had no history. OF COURSE IT DIDNT, IT HAD JUST BEEN OPENED. My request to reconsider was treated as request for a new increase, which ignored the fact the INITIAL decision was wrong. 

I subsequently filed a complaint with the XXXX XXXX XXXX, but Synchrony maintained that its denial of a request for an increase was proper, ignoring that I was asking for a reconsideration of the initial request. 

I believe the treatment as a request for an increase was improper. 

I further believe the initial denial was discriminatory against seniors ( I am over XXXX ), failed to adequately consider the receipt of federal benefits ( social security ). Further, I believe their underwriting practices are biased or flawed by failing to properly consider credit history as this decision resulted in a low credit line despite a 40 year sterling credit history, FICO  over 800, low credit usage ( less than 3 % of available credit ), history of paying balances in full each month, small mortgage and car loan balances, and six figure income. While the car loan and mortgage were recent ( we just retired ) our on time handling of these items, the low payment amounts relative to annual income, and our 40 year history of ontime and satisfactory payment of multiple mortgages and car loans should have addressed any concerns. Moreover the recent nature of those two items was already reflected in my FICO score, which as I noted remains over 800 ( excellent ) I asked for a larger limit as part of the original application and was denied. I asked for reconsideration and was denied. I was forced to use other funding to complete the purchase. I lost XXXX  in store credit due to the lenders illegal, biased, irrational decision that the lender claims was proper and in accordance with its policies. 

I believe their policies and treatment of my application are violative of the ECOA, FCRA, and XXXX, and should be investigated. Further I request the payment of my lost ph {$600.00} store credit. 

I fear that other retired seniors who receive social security are being harmed by this creditors practices, that the policies must be changed, and that the lender should sanctioned for its violations and enjoined from continuing these practices.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Debt collection

On XX/XX/2021 NATIONAL CREDIT SYSTEMS stated the account was REMOVED from my dad 's consumer report. I am still being violated by them. They are still reporting on my consumer report. XXXX XXXX stated it would be removed and it has not. They are damaging my character and in violation of 18 of the FDCPA Laws as you can see in Exhibit A, and C. As you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I demand remedy by paying the invoice included of {$18000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX  XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX ran my credit without my permission XX/XX/XXXX XXXX XXXX  ran my credit without my permission XX/XX/XXXX XXXX XXXX ran my credit without my permission All three of these are hard inquiries. I've only dealt with foundation finance in XXXX and haven't since then. I need All hard inquiries removed and i need Them blocked from running my credit I'm the future
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize Account XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

noticed my XXXX XXXX dropped XXXX pts and went looking at why. 
Noticed a collection was put on my credit report, after disputing with all XXXX credit agencies, disputed with collection agency I then called the police and was instructed to file a complaint. with XXXX, who routed me to you, he said that since might have originated in different state it's a fed thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all. 

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove a duplicate entry of a credit collection company off of my report. Representatives at equifax agreed it was the same account listed with different open dates as to harasses ( me ) the consumer. Under the Fair Credit Reporting Act Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. Provide me with proof of my photo ID, handwritten signature, and proof of address with my utility bill.
Product: Mortgage

My grandmother has been in the process of a loan modification for the the last 18months. 
When documents are requested and submitted the lender comes back a month later asking for more documents then says that the other documents have expired and they need to be sent again. They are sent again with more requests. Information was sent regarding the property being in a trust, then a month later they want the property taken out of the trust and put solely in my grandmothers name, by that time she was told the application had expired. Now we receive a letter stating that the loan has been acquired by a new servicer, XXXX. No mention of the the modification. I called to speak to the relationship manager and she made no mention of anything. Why are they doing this. They also refused to take payment because it was not the full payment. Chase was informed from the beginning that the rising interest rate would put us in a hardship. Now the modification is not done and the loan has been sold to another company. I tried to assume the loan 2 years ago but was denied. This is heartbreaking my grandmother is XXXX years old and this situation is taking a toll on her.
Product: Mortgage

Our mortgage was with Ocwen during foreclosure proceedings it was sold/merged with PHH Mortgage. We were able to work out a trial modification agreement with PHH Mortgage for the months of XXXX/XXXX/XXXX  2019. We completed those payments and waited for approval for the final modification. We additionally made XXXX and XXXX payments as well. We were informed of approval for final modification, signed and returned to PHH as they required. During the time of XXXX & XXXX we had tried to access our account online with great difficulty, eventually PHH system was working and we reviewed our information which was incorrect. We sent several emails through the " contact us '' email on their site. In addition, the website would not allow us to make payments online stating we were " past due '' owing XXXX & XXXX payments and to contact customer service. Each time we emailed informing them that our account information was incorrect and needed to be updated with payments amount, payments made and to allow us to make payments online. Slowly, some of the information was updated however, a majority continues to be incorrect. At this time, we are reviewing our credit report information as well which PHH has not corrected their reporting of our current situation even after disputing it with the credit bureau. PHH has our online account indicating we are over 40 days late, yet shows our XXXX payment received. The modification agreement indicates our new monthly payment is {$1000.00} however, PHH continues to list our payment as {$1400.00} and reporting that same wrong information to the credit bureau. Again, more incorrect information. Furthermore, the credit bureau is reporting late payments for XXXX/XXXX/XXXX/XXXX  which all were previously made as per the trial modification. Had these payments not been made we would not have been offered the final modification. Since the modification has been granted and completed the loan is no longer past due those months. This same information needs to be corrected with all credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit inquires in my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted XXXX, Transunion, XXXX and the original creditor XXXX XXXX XXXX  and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX  , I called  XXXX   XXXX  Tech support for assistance with my PC. The call was hacked by  XXXX  Tech Support. They said  XXXX  had hired them to facilitate all tech support. I paid the {$370.00} for  a five year Plan.  When I called in a few months later, I was told that  XXXX  was out to business. I called them, several times-no success. Then I looked on line to find that the State of Washington 's Attorney General had filed a class action lawsuit for fraud. I called Bank of America. They refused to refund me ; after I showed them the lawsuit ( online/copies ). Consequently, I filed a claim the the Attorney General of Virginia. I was told by Virginia that they could not reach  XXXX . So they put the claim in a pending file. Why would a fraudulent company answer there phones?? Not likely! I had to purchase another antivirus service.     Is there any way to recover my lost funds? Here is the website :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   Please email me at :  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX NY XXXX XXXX XXXX- Date Opened XX/XX/XXXX Status Collection account. {$12000.00} past due as of XX/XX/XXXX. / account closed, inaccurate information. 
NATIONAL CREDIT SYSTEM- XX/XX/XXXX Date Opened Collection account. {$2700.00} past due as of XX/XX/XXXX./ wrong amounts & this is public records NATIONAL CREDIT SYSTEM- XX/XX/XXXX Date Opened Collection account. {$4600.00} past due as of XX/XX/XXXX- wrong amounts & this is public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed several accounts with Equifax as fraud. I even sent a request via mail and never gotten resolution. Equifax fails to accurately verify the accounts. Several accounts are fraudulent and upon contacting the creditors they all stated that the address and social security does n't match. The following accounts are fraud : 1.XXXX XXXX Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX  Account # XXXX 6. XXXX XXXX Account # XXXX