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

I filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted written disputes to Experian in reference a inaccuracy of reported Child Support account. In my dispute, I asked for the agency to validate debt by providing me the written contract between me and the Child Support Agency that reported the inaccuracy. The only response I have received was the online dispute results that reportedly " Updated '' that the debt still exist.
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, 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: Debt collection

I was offered a settlement and I paid the settlement offer in full on XX/XX/2018. This has not been updated on my credit report to reflect the account was settled and I have a XXXX balance. Please see attached letter showing the settlement offer and the letter showing the account has been paid.
Product: Credit reporting or other personal consumer reports

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Product: Debt collection

The telephone number is XXXX. The message is " This is a message from Synchrony Bank regarding XXXX. Please return our call to XXXX. For faster service visit our websire a mysynchrony.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' There is another telephone number with this same message. It is XXXX. This one requests I give the last four digits of my social security number. I do not do this.
Product: Checking or savings account

Received a Square Business Debit Card ( Cash app ) issued by XXXX XXXX  in my name and sent to my home address. This was fraudulently opened as I did not apply for this card, nor do I have a business account with XXXX XXXX or Square ( Cash APP ) nor do I have a business for that matter. I opened the envelope on XX/XX/22. On XX/XX/22 I attempted to contact XXXXXXXX XXXX. I was unable to find a phone number that is answered by a live person, nor was there an option to be transferred to a live person unless I had an account with them. I was unable to find a working number for their XXXX Department. I was able to find a number for Square ( Cash App ) support. I called left a message and and was called back. Spoke with an individual at a call center who after several attempts to make him understand that I wanted to report a fraudulently opened account sent me an email with a series of questions regarding the account which I answered via email. He gave me a case number and said it would be referred to their XXXX Department. He refused to provide a number for their XXXX Department, tell me when the account was opened or what information they used to authenticate who ever opened the account. 
We requested that information in writing. In addition he refused let me speak with a XXXX. He had no idea when I would be contacted. 
Today is XX/XX/22 I have received no communication from XXXX XXXX/Sqaure ( Cash APP ) verifying that this card has in fact been cancelled and acknowledging that this was not opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, RE : Synchrony/Amazon account XXXX XXXX XXXX XXXX My name XXXX XXXX XXXX XXXX, I had an account with Synchrony/Amazon that went delinquent due to some medical issues while waiting on my social security to become active. The account was closed on XX/XX/2019 but I made a payment arrangement with and agreed upon monthly auto withdraw. This was a fixed payment arrangement in the amount of $ 48 monthly, and it was auto deducted every month. Synchrony violated our agreement and violated the Fair credit reporting act by, submitting. ( 16 ) 60-day lates and ( 2 ) 90-day lates that are all false because we made a new mutually agreed upon payment arrangement. I called Synchrony to question these false and on going lates and they confirmed I was never effectively late during the payment arrangement but that they had a policy that they would report lates anyway while we were in this arrangement. Synchrony states that I signed an agreement that stipulated these lates would continue, but there is no signed document. I requested a copy of the agreement they state I signed. Twice and they essentially refused to send it to me. They admitted on a recorded call that we did have a new payment agreement with a new fixed payment and that we honored the agreement and paid it all in full. 
Since we established a new payment agreement by phone, they have violated the Fair credit reporting act because the 3-credit bureau reporting requirement asks if Paid as agreed all payment were made on time and auto deducted by Synchrony. So, reporting 60-day lates and 90-day lates are lies and false reporting. They claimed it is a charge off, but I set the payment agreement before it was charged off.

I have been defrauded, my credit score has been weighed down and my capacity to borrower as needed for my family has been diminished. But I believe their false reporting is a pattern that is harming Americans of which I happen to be a 100 % XXXX veteran. Such practices should be sanctioned, and an in-depth investigation should be done see how often Synchrony Bank has violated its customers rights in false reporting to harm its clients who have had hardships. Its hard not to see this as malicious intent and behavior by a company that should be helping their clients in hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX esq. XXXX FTC
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo continually fails to investigate this matter with the utmost customer consideration and care that it deserves.. Wells Fargo has stated that previous modification was approved and you did not accept the modification. Wells Fargo 's " modification '' was not an assistant modification that would help me keep my home. Rather it consisted of me retaining the same toxic loan options as before and having to come up with a considerable about of upfront cash that i simply did not have. They were able to continue to force foreclosures on it's customers due to the settlement involving Pick-A-Payment loans not requiring modifications or payment assistance options be approved. Any assistance was all based on Wells Fargo 's unfair and discriminating loan evaluations. Then after foreclosing without seriously evaluating my financial means they go on to state that they're unable to determine the specific concerns that I have about my credit report ... How out of touch is that!
Product: Credit reporting or other personal consumer reports

My information was exposed 2 times in known data breaches ranging from XXXX. I have received inquiries on my credit that I do not recognize. I have received emails for companies that I have not shared my information with, these companies claim that they are a third party. In XX/XX/year> XXXX was under a cyber-attack leading to my personal information being exposed. This event led to the exposer of my personal information such as : Social Security Number, Home/ Mailing/Address and Name and Financial information. The most recent exposer came in XXXX leading to my information being compromised yet again from XXXX. I am experiencing a host of unknown accounts and unwanted emails from unfamiliar sources. 

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately. 

Accounts : XXXX XXXX XXXX- This account is being reported inaccurately. I request the removal of this item immediately. 
XXXX XXXX XXXX XXXXThe informatioXXXX being reported for this account is not accurate. Please remove this item from my credit report immediately XXXX XXXX XXXX The amount being requested is not at all accurate. I am requesting that the amount they are seeking be modified or deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested to dispute a bankruptcy that was reporting on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXCredit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my LexisNexis consumer profile only to learn that they were the one 's who misreported the public record. LexisNexis was the furnisher of this item and has since deleted it from my profile. The letter that LexisNexis submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. LexisNexis failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from LexisNexis confirming deletion! I have also contacted emailed Pacer to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax XXXX XXXX XXXX XXXX, GA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX, CA XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply
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 Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> TransUnion 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: Debt collection

CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX  is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Product: Checking or savings account

I purchased a XXXX XXXX internet on XX/XX/XXXX. I was supposed to have a 2 week free trial to see if it worked. The internet was slow and not keeping up to speed so I processed a phone return on XXXX XXXX. The representative was unable to complete the process as I had already packed up the modem and she needed a code from it. The representative advised to go to the XXXX XXXX store to process the return. I did that and that was a 2 hr nightmare there because they did not have the tools to process my passport as US document. 

XX/XX/XXXX I receive a bill with charges on it but no refund of my deposit. I call to? it and the rep at that time said that the credit would be back on my XXXX ending in XXXX on XX/XX/XXXX and that he took care of those minor charges so I would be receiving a total credit of {$30.00}. I never received the credit and called XXXX on the XXXX of XXXX, XXXX. I was advised that they could expedite the credit to my banking account at XXXX XXXX in which I provided my routing and account number. They told me it would go to the processing department and I'll receive it in 24 hrs. That was Misinformation because on the XXXX of XX/XX/XXXX I had to call again and the rep said it was processed but couldn't understand why it didn't go through and had to start the process over. I then escalated to a starting the process over and I stated unacceptable. I then was escalated to a Supervisor and the reference number provided obviously meant nothing as they were unable to locate it and my accounSupervisor who gave me this bogus case number of XXXX. On XX/XX/XXXX there were no funds received. Due to the holiday and bank processing I waited until the XXXX to call about the missing funds. I then get a representative stating that again it didn't process and they were t until I had to go to the trash can and pull the paperwork out of it. I had threw it away because I was assured the reference number was all that I needed. 

It is currently XXXX XXXX  cst. This is my second call and we are at 45 min and the previous over 40 min. The reason why this is the second call is that the Supervisor who was supposed to escalate me to another one hung up on me with no call back. I now have a guy by the name of XXXX who says well they can send me a gift card but I argued it wasn't fair for me to receive a gift card when I paid in cash. Now the final resolution is to send me a check which will take me an additional 45 days to receive. Now they are telling me a company by the name of XXXX will now have to process the refund via paper check @ XXXX. The reason it now has to go to another processor because they dinged the time enough to have the account closed out so they wouldn't have to actually worry about crediting me with funds but with a prepaid card. It's not fair and it's basically punishing a previous customer for not continuing to do business with the organization. This business failed at being accountable and they have wasted several days, and hours of my time and I'm not even getting compensated for that. I would have kept the service if it worked to begin with.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on Credit ReportI am writing to dispute the unauthorized inquiries that appear on my credit report, as I recently received a copy of my credit report from your agency. I have identified several inquiries that I did not authorize, and I request that you remove them promptly. The details of these inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 thoroughly reviewed my records, and I do not recall authorizing any of these lenders to perform a hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into these items and remove them from my credit report if they can not be verified by the respective creditors.

I kindly request that you complete this reinvestigation within 30 days of receiving this letter, as mandated by 15 U.S.C. Sec. 1681i ( a ). It is crucial that my credit report accurately reflects my creditworthiness and financial history, and the presence of these unauthorized inquiries undermines the integrity of the report.

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute. Should you require any additional information or documentation from me to conduct the investigation, please inform me promptly. I can be reached at the contact details provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All Inquiries I dont recognize in my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to fix their XXXX system its bevause of these people I cant get verified when applying for a store credit card when I call them they cant even send me a passcode to my cellphone and its my number which their system cant verify when I called them they said to me we will Work. With it and see if this can be resolved horrible company they must be shut down