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

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit reporting

I 'm complaining against this company for many reasons : # 1 I can clearly see that there has been no investigation into any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney
Product: Credit card or prepaid card

I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Vehicle loan or lease

I have filed multiple complaints with cfpb and I have also call usa auto sales inregards to there incorrect account management. Usa auto sales illegally sabotage my vehicle so that I would not be able to make it to work on several occasions by disabling my vehicle after constantly loosing my payments in there system. 
I have tried to be patient with usa auto sales and there incompetence on managing the correct balance. I dont owe us auto sales any balances. I would appreciate if there completely removed from my credit report where they are illegally adding a balance.
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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 or other personal consumer reports

TransUnion denied my right to submit online dispute. They blocked me from an access to file dispute online. Someone opened credit card accounts in my name with XXXX XXXX. These are fraudulent accounts. I filed an Identity Theft Report with FTC. I called XXXX XXXX customer service and reported it. XXXX XXXX closed the credit cards. However, it still shows on my credit report. I tried to submit online dispute on TransUnion website but I keep getting a message that online dispute is not available. When I called TransUnion customer service, they said TransUnion blocked me from online dispute. They refused to explain the reason for blocking me. TransUnion refused to fix the issue.
Product: Credit reporting or other personal consumer reports

This account is sitting on my credit and it should not be on my credit due to identity theft. 

Account Number XXXX Account Type Credit Card, Terms XXXX Account Status Paid account/was delinquent XXXX  days past due date Payment Type Revolving Responsibility Individual Opened On XX/XX/XXXX Account Age XXXX yrs Reported On XX/XX/XXXX Acct. Condition Closed Months History XXXX Payment Status Date XX/XX/XXXX Credit Limit {$200.00} Current Balance {$0.00} Highest Balance {$320.00} Payment {$0.00} Past Due {$0.00} Most Recent Payment XX/XX/XXXX
Product: Checking or savings account

I deposited over XXXX in Bank of America in XXXX atm the amount did not show nor reflect on my account I told the clerk there, as a result I was rushed no one said anything about a 10 day investigation or the fact that I would have to wait. I am traveling for work and have no money now due to this Im also negative and they keep making me wait the first claim put in when it first happens XX/XX/23 was never recorded I had to call today on XX/XX/23 then i spoke to a rep and manger and now theirs a claim out in I am extremely upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX  XXXX, XXXX, XXXX end inquiries XXXX XXXX XXXX/XXXX  XXXX /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 have contacted the FTC and local police.
Product: Mortgage

From XX/XX/year> through XX/XX/year>, I have called ShellPoint Mortgage Servicing ( at their only publicized number, XXXX ) numerous times to request written information and instructions for recasting my mortgage loan. Specifically, I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

During one call, a ShellPoint representative provided payment instructions for sending the recast funds. Following those instructions, I transferred {$100000.00} on XX/XX/XXXX. The transfer was successfully completed, and I supplied ShellPoint with all the evidence of the successful transfer. However, ShellPoint could not locate the funds for roughly a month, despite my repeated calls. Ultimately, on XX/XX/XXXX, they sent the money back to my bank account without any explanation or guidance. 

Since then, I have requestedin multiple phone callswritten materials and clear steps to initiate a recast again. Repeatedly, I have been promised that ShellPoint would email or mail the relevant forms, but I have never received them. Because of these delays and the lack of transparency, I am incurring an estimated {$700.00} in additional monthly interest costs that I could have avoided had the recast been completed.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX needs to update/correct my consumer file with Correct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Correct DOB : XX/XX/XXXX Correct employer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Correct Accounts : XXXX XXXX XXXX  Dated opened XX/XX/XXXX XXXX - as paid off XXXX XXXX  Date opened : XX/XX/XXXX - $ XXXX-as paid off XXXX Dated opened : XX/XX/XXXX XXXX $ XXXX as paid off XXXX Dated opened : XXXX XXXX - $ XXXX as paid off The fact that these credit agencies assumed the role of reporting different information is why I keep getting denied for credit. I want to finally purchase a home and need my info to be accurate on my consumer report at each credit agency. 

They have reporting inaccurate information since they assumed the role in XXXX I need my consumer report to be accurate now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ( Account Name - XXXX XXXX XXXX, Account # XXXX ) ( Account Name - XXXX XXXX XXXX XXXX, Account # XXXX ) ( Account Name - XXXX XXXX XXXX XXXX, Account # XXXX ) ( Account Name - XXXX XXXX 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 a account without my written instructions
Product: Debt collection

This would be my 2nd complaint about Synchrony Bank. The company is now making false accusations and false narratives, sending me letters after the fact that I sent out a cease-and-desist letter. In a letter dated XX/XX/2021 Synchrony Bank accuses me of claiming that the alleged account was opened fraudulently. Never have I claimed that or made any such statement of the sort. I have stated that the bank itself operates in a fraudulent manner. 
I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. Synchrony Banks silence and disregard for the affidavit is their way of saying my testimony is true and indeed fact. I sent them a promissory note valued at {$10000.00} to pay for the alleged debt, Synchrony Bank stated that they would not honor my payment. Lastly, I have sent in a proof of claim letter asking Synchrony Bank to prove where the money came from since according to 12 U.S.Code 1431 the banks dont have money to lend. I have the right to rescind. Synchrony Bank has not responded to any of my letters. They have no regard for the law or me as the consumer. I have mailed all letters and evidence to Synchrony Bank via certified mail, and I have the receipt as proof. Lastly, Synchrony Bank owes me monetary damages of {$55000.00} due to willful noncompliance, FCRA & FDCPA violations, and monies that had been paying although the account was prepaid for by the U.S. Federal Reserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX  XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX  ) XXXX Balance {$950.00} XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 have several student loans accounts with XXXX  all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus. 

These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts. 

The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct it.
Product: Debt collection

This company continues to call me after I told them to stop. They will not tell me what they want without providing personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$140.00} I am filing a complaint against Transunion. for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion. actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Under the Fair Credit Reporting Act ( FCRA ), Section 16810 of Title 15 of the U.S. Code outlines the procedures and penalties related to willful noncompliance by credit reporting agencies. 


In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these discrepancies and provide a resolution within the required 30-day period. Please also provide me with a copy of any documents or evidence used to validate the information, if applicable.

Please note that under Section 16810 of the FCRA, failure to correct or delete inaccurate information after your investigation could result in penalties for willful noncompliance. 
I request that the disputed information be corrected or removed from my credit report at your earliest convenience. 
Kindly notify me of your findings in writing and provide an updated copy of my credit report upon completion of your investigation. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

Have student loans already paid and more than seven years old that still appears in my credit report
Product: Debt collection

I decided to switch fromXXXX to another carrier. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. Two payments were provide to complete this before they would unlock the phones to allow the new carrier to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to three people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new carrier. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from XXXX XXXX  to collect {$460.00} for the cost of the phones! Ultimately they deleted and the law office closed the account after proof was sent and now sent to another company, Credence Resource Management for the same amount. I have spoken with XXXX XXXX again who stated they opened investigation because they can only find the {$180.00} payment and will call me in 5 days and that was over 30 days ago. I called the collection company and they keep saying pay. I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!
Product: Debt collection

In XXXX of XXXX I went into a XXXX store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from XXXX for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from XXXX in XX/XX/XXXX..so that clerk apparently added this to the new account and did not charge my card. 

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. XXXX said they could not talk to them because the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.
Product: Student loan

In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient