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

TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

After trying to open up a credit card I find that I have a freeze on my credit reports.
Product: Credit card

First Progress Bank did not disclose the necessary information for me to make a sound decision on the credit card I was opting in to. The company failed me. As a consumer, the XXXX ignored the law. The disclosures were not set conspicuously and they ignored the principal 's credits and the application appropriately. The consumer was conhersed, intimated, and pursuaded to be everything other than a beneficiary. The XXXX social security number provided serves as the full faith and credit confirmation through the U.S.acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit. Now after theft and collection of credits, consumer is currently left with a defemation of character as if there are no collateral associated with the application in itself .Confusing or misleading advertising or marketing credits or application fulfillment. The ability of fulfillment of every credit / consumer obligation is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed to take on the role of debtor. As a child of XXXX, all my debts are paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I signed up for a secured card with XXXX XXXX  on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in consumer reports ; Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX reported to XXXX, XXXX, Transunion, and XXXX, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal.

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for XXXX, XXXX, Transunion, and XXXX, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions. 

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice. 

NOTE ONLY TO TRANSUNION and XXXX : XXXXXXXX XXXX  XXXX, XXXX, and XXXX have all received the same notice.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, US SM BUS ADMIN ODA, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I was told by an associate at West Lake Portfolio Management that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, West Lake Portfolio Management reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
Product: Credit card or prepaid card

RE : Synchrony Financial Pay Pal Mastercard account # XXXX Dear CFPB and Synchrony Bank/Paypal Mastercard : On XX/XX/XXXX I applied for a paypal extras mastercard and was approved for {$300.00} dollar credit line, the inquiry was pulled from XXXX XXXX. On XX/XX/XXXX I had another hard inquiry from Synchrony Financial, the inquiry listed as Synchrony XXXX XXXX XXXX, XXXX, GA XXXX. I called XXXX XXXX and the number listed on my credit report to report the additional inquiry. 

On XX/XX/XXXX I called Paypal Mastercard to inform them I had never received the paypals extra mastercard, upon speaking with the individual from the fraud dept she had put a restriction on my account, I then spoke with another individual who proceeded with a phone call back verification number that I received, however, the representative said they where unable to proceed with verification because of my internet/phone, and said I will be receiving a letter with the instructions on how to proceed with identity verifications. I called XX/XX/XXXX and spoke with XXXX phone number XXXX to obtain more information on what had occurred, and was told to wait 7-10 days until I received the letter with the credit card.

At this time, I have written this complaint because I believe either the credit agency XXXX  and XXXX failed to provide accurate information to Synchrony to verify my identity. The issue remains, I had never received my card and they placed restrictions on my account, and I have still not received an adequate explanation from Synchrony on what had transpired between my application and verifications.

I am asking the CFPB to send my complaint to Synchrony Bank/ Financial and XXXX  and XXXX  as these are the credit agencies responsible for failing to maintain accurate information. 


Sincerely, XXXX XXXX
Product: Debt collection

My Social security number was used to open a Credit account with XXXXXXXX XXXX XXXX XXXX  back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. 

I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. Spring Oaks Capital LLC, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. 

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.
Product: Debt collection

Account to delete : American Express ending XXXX Default Judgment In New York State, the statute of limitation to collect the debt is three years. 
You, American Express, can not send any more communications, statements, and correspondence on any medium about a debt. 
You, American Express, have not provided any documentation proving that I owe alleged debt. 
You, American Express, did not and stated in last correspondence that you will not send me any documentation, including the original contract. Pursuant to 15 USC 1666, you have forfeited your right to collect alleged debt. 
You, American Express, did not validate or verify an alleged debt with XXXX XXXX. 


With Regards, XXXX XXXX XXXX/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX gained unauthorized access to my credit report.
Product: Credit reporting or other personal consumer reports

ALLIED COLLECTIONS SERVICES XXXXXXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me and is a result of identity theft or duplication as this company claims this is the incorrect company for this account. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft as I have included a copy of the report to this complaint. I have submitted all of my information needed to resolve this matter to have this account completely removed from my file and in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have case me.
Product: Debt collection

On XX/XX/2021 I was contacted by a agent of lockhart, morris & montgomery about a outstanding debt to which they have failed to provide validation for.
Product: Credit reporting or other personal consumer reports

20 USC 1232g ( b ) Family Educational Rights and Privacy Act ( FERPA ). Protects the privacy of student education records. I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information inaccurately reported multiple student loan accounts on my credit report to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, and Experian XXXX XXXX XXXX without my written consent nor did they give me a option to opt out of they reporting the Department of Education and XXXX.
Product: Debt collection

I've Contacted CREDIT CONTROL CORP in writing in XX/XX/2021. About Multiple medical debt that say I own with a debt Validation letter. They did not responded of prove that these debt belong to me. I've also called them in XX/XX/2021. About older debt that they say I owe which is pas sits statue of limitation in the state of Virginia and can't legally collect from me. They was rude and combative. They was not willing to help me at all.
Product: Credit reporting or other personal consumer reports

XXXX  account XXXX, XXXXXXXX XXXX account XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX account XXXX, XXXX account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate
Product: Checking or savings account

I was dating with a man and he told me he have a problem he gon na do a direct deposit on my account and I refuse and he do it after I receive an email the check was forgery I discuss with him and he put 2 more forgery checks on my account and the bank closed my account I didn't know exactly how deal with that I contact a lawyer in bank he told me the guy scammed my account and he give me what to do now
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These two accounts below has smaller amts that were reported without my consent to report as being late. The sub accounts are as follows with totals and times late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States that I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section sates : no consumer reporting agency may make any 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency
Product: Credit card

I disputed a charge with Amex Travel because of a noise complaint I made with the hotel I stayed at that I booked through them. I went through about two months of disputing this charge after being told to do several different steps only to receive the same resolution every time. They basically said theres nothing we can do. The below letter is a letter I submitted to them regarding the incident. They still gave the same resolution. The 3rd party company they book through said I never contacted them to resolve the issue. When I asked Amex to connect me the 3rd party so I can dispute the charge they said they couldnt do that and I would have to dispute through them. Which I did and provided evidence to the contrary that I contacted the hotel about the noise complain one in person and second by a survey. It was a very unpleasant stay. I would never book through their travel agency again after this incident. The rewards and point are really not worth it. Please see below letter. I also have a copy of the survey the hotel said they never received as well. 

Letter to Amex : My wife and I arrived at the XXXX XXXX in XXXX, XXXX on Saturday XX/XX/year>. 
We had a very long and tiring day/trip to get there as we laid to rest for the night. The next morning ( XX/XX/year> ) we were woken up around XXXX XXXX  CEST to multiple doors opening and closing. Upon looking out of the room door we noticed housekeeping was beginning their cleaning of the rooms. We thought maybe this was an odd occurrence, so we decided to just leave for the day earlier than anticipated. On XX/XX/year>, we again noticed at approximately XXXX XXXX XXXX multiple doors were opening and closing very loudly, vacuums, cleaning of the other rooms could be heard, along with opening of supply closets on our floor we noticed upon leaving the previous day. We then got ready for the day, and I decided to stop by the housekeeping office, and I spoke with the housekeeping manager and made the noise complaint as I left for the day. The next day XX/XX/year>, we experience the same exact issue. I left a survey ( attached to the original complaint ) stating housekeeping was extremely loud early. Upon leaving early morning Friday XX/XX/year>, as I checked out of the hotel, I again requested information from the hotel about cleaning procedures and complained of the noise the make as guests are trying to rest. The front desk clerk simply smiled and thanked us for staying at the hotel. 
Overall, it was an extremely unpleasant stay at the hotel. Its an experience that will prevent me in the future for trusting Amex travel for my lodging needs should any resolution other than a complete refund of both charges be the outcome reached. Thank you for your consideration and investigating this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

experians dispute system and upload system are both non functional today. 
experian is displaying a lone XXXX XXXXXXXX account that no longer belongs to or is reported upon XXXX XXXXXXXX and this account must be immediately deleted.a letter from XXXX XXXXXXXX to me is attached here for experians edification or education or simply is the evidence required to immediately remove this account.
Product: Debt collection

For over months now Integrated Services has called and i kept telling to send me legal documents on how to solve this matter and they do not.

They call me and threaten me and yell/curse at me.

They also call me work and gave them my information and how i owe so much money.

They have called family members and did the same Which is illegal!

I have called back to tell them to send me documents or anything to show this matter but they do not they just continue to call and harass me at work and my family members.

They even said they filed at XXXX County and I even called there and they said there is nothing under my name or the case number that i have.