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

I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the XXXX credit cards I have in my possession. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus XXXX, Transunion, and XXXX. I am trying to correct this issue.
Product: Debt collection

This debt stems from an old deposit where I lived. When trying to reach a settlement the amount owed was not the original XXXX but XXXX due to interest charges on a collection. I think it should be illegal to charge interest on collection bills. Consumers are already struggling and don't need more debt on top of the debt.
Product: Debt collection

Dear SYNCB/NTWK ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

I recently receive my credit report and I found inaccuracies with my personal information. I found inaccurate addresses. This is hurting my creditability and my ability to obtain credit and buying a house. 


The following address are incorrect XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only address that is accurate is XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I attached my utility bills and ID to correspond to my correct address.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove an unauthorized inquiry from my credit report. Despite my repeated requests, Equifax has not provided verifiable proof of authorization for an inquiry by XXXX XXXX, dated XX/XX/XXXX. This inquiry lacks a permissible purpose under the FCRA, and Equifax 's refusal to remove it is a violation of federal law.I REPORTED THIS CASE TO THE FTC THROUGH REPORT NUMBER XXXX, DATE XX/XX/XXXX XXXX. Initial Request to Equifax : I requested proof of authorization, such as a signed document, to verify this inquiry. Since no proof of my authorization exists, I requested immediate removal. 
2. Complaint to the CFPB ( Report # XXXX ) : Due to Equifaxs lack of response, I filed a complaint with the CFPB on XX/XX/XXXX. 
3. Equifaxs Response to the CFPB : On XX/XX/XXXX, Equifax responded, stating that inquiries are factual records that must remain on file for XXXX years. However, they failed to provide specific proof of authorization for this inquiry. 
Violations of the FCRA by Equifax : Under the FCRA, unauthorized and unverifiable inquiries must be removed. Specifically : Section 604 ( 15 U.S. Code 1681b ) : Requires a permissible purpose for accessing a consumers report. Equifaxs inability to provide proof of authorization violates this requirement.

Section 611 ( 15 U.S. Code 1681i ) : Mandates the removal of unverifiable information upon dispute, which Equifax has failed to comply with by not validating the inquiry.

Section 609 ( 15 U.S. Code 1681g ( a ) ( 1 ) ) : Requires that a consumer be provided with verifiable proof of authorization upon request, which Equifax has not provided.

Given Equifax 's lack of compliance, I demand either verifiable proof ( a signed contract ) authorizing this inquiry or its immediate deletion. Failure to resolve this matter within 30 days will result in escalation to appropriate legal channels to ensure accuracy in my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has clearly exhibited negligent, incompetent and irresponsible actions, which results in the massive data breach incident. It has acknowledged and been aware of the incident since XX/XX/2017 but did n't do anything about it until XX/XX/2017. Also, Equifax has similar data breach incidents previously but still ignore to address the issue within its own system and website. According to cybersecurity expert, it still fails to ensure its security practice are up to the industry standard. This is clearly irresponsible and negligent on Equifax 's part and I was impacted by this incident caused by Equifax. 

Since the announcement of the massive data breach incident on XX/XX/2017, Equifax has provided a tool to check if any individual was affected. However, this tool is virtually useless. First, this tool requests ssn and last name in order to verify, but these pieces of information are the part of the massive data breach. Therefore, anyone, who possessed the leaked data, can assume other person 's identity and potentially setup Equifax credit monitoring service instead of the actual affected individual. Secondly, Equifax did n't initially do due diligent to ensure the tool to verify and identity if the individual was affected working properly. This is irresponsible and exhibits incompetency on Equifax 's part.
Product: Debt collection

XXXX XXXX from API called my client, XXXX XXXX, at his place of employment pretending to be an attorney 's office. " XXXX XXXX '' threatened to have my client arrested if he did not immediately pay a payday loan (?? ) which we refused to identify or validate. " XXXX XXXX '' told my client he was " in violation of Federal law. '' Terrified, my client gave " XXXX XXXX '' his debit card information. My client has contacted the bank and may be able to save his money ; however, " XXXX XXXX '' from API has continued his rude, aggressive and illegal collection. " XXXX XXXX '' did have identifying information for my client, which gave some legitimacy to his claims, terrifying my client even further. This XXXX debt collector needs to be shut down before they can scam more money from unsophisticated consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX Experian Report Number XXXX XXXX  Block me from seeing my credit report but here 's the list of accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Mortgage

I had listed this complaint with you before about Mr Cooper/ Nationstar losing my XX/XX/2021 payment in which you didnt ever get resolved. They said that I didnt make my payment in XXXX of 2021 in which I did and have sent the documents proving that I made the payment. Now they are completely ignoring me and my emails. I have complained with their research department and their executive resolutions department and still nothing happened. I have e even filed a complaint in their complaint department and still no one has contacted me back. I had asked you over a month ago to help me fix this issue in which you didnt. I am XXXX that it has been XXXX months and there is still no resolution to this issue. I want some results this time out I am going to have to find a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX  XXXX Balance : {$760.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against Velocity Investments llc for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, Velocity Investments llc does not hold a valid license to collect debts within the jurisdiction of Missouri.

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB.

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that Velocity Investments llc ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on Velocity Investments llc to deter similar violations in the future.

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against Velocity Investments llc to delete all credit reporting immediately.

Thank you for your attention to this matter.
Product: Consumer Loan

As I am checking my credit report I see that someone has tried to apply for a loan thru General Motor Finance using my SS #. And I am more than certain that is my ex-spouse whom I have been divorced from since 2006 and I have not given him any consent whatsoever to use my information. I have never applied for a car laan at General motor finance.
Product: Debt collection

On XXXX XXXX, 2015 I had XXXX XXXX and XXXX of my XXXX by XXXX XXXX XXXX. The total for XXXX came to {$77.00}. On XXXX XXXX, 2015 I called XXXX XXXX XXXX and asked for any discounts since I did not have medical insurance XXXX in customer service reduced my bill by XXXX % and I paid the discounted rate of {$38.00} at that time over the phone with my Visa debit card. 

Over the next few months I continued to receive bills from XXXX XXXX XXXX for the discounted amount. Every time I got one of these bills I called customer service and was told they correct the error. 

Now XXXX XXXX XXXX has turned my account over to a collection agency. I do n't know if this company is so poorly run they can not correct a simple error or if they purposely keep billing people hoping they will pay what they do not owe.
Product: Mortgage

On XX/XX/2019 I began taking steps to have my PMI removed with LoanCare, my loan servicing company. I paid them {$620.00} to have a appraisal completed to determine that we had enough equity in our home to remove our mortgage insurance. I called twice within the next two weeks to check on status and was told it was still in process. XX/XX/2019 the mailed me a notification that my loan was being transferred to XXXX Mortgage. I called immediately as I was concerned about the appraisal process being disrupted. I talked to multiple agents and a manager that insured me that the appraisal was still in process and that all of the findings would transfer to XXXX. XX/XX/XXXX I called back again, as I received both a notification that my request to remove PMI was denied, but also received a statement showing that my {$620.00} was applied towards principal. The agents assured me that the appraisal was still in process, that I would be hearing from the appraiser soon. The appraiser contacted me 2 days later, and did his site inspection on XX/XX/XXXX. I thought this was a good sign. But I guess that two days earlier, LoanCare had denied my PMI request, using a XXXX value from a refinance. Now my loan is completed transferred. LoanCare, although initially telling me when I called after the appraiser was here, that the process should be completed by XX/XX/XXXX, is saying that the appraisal was not completed and that my {$620.00} was applied towards principal instead. I am now following up with XXXX, 2 months past when I completed the process, still paying PMI and still with no steps forward made towards getting an appraisal. XXXX is saying that they records do not show the {$620.00} paid towards principal. I can not pay another {$600.00} out of pocket for another appraisal. I am at a complete loss of how this happened and how this is even remotely acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with XXXX XXXX, Experian and XXXX   beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Product: Mortgage

Despite repeated requests to update their record, they are charging unnecessary late fees and other charges without justification. I have attached all the records for your perusal.
Product: Debt collection

I am writing to file a formal complaint regarding the erroneous reporting of fraudulent amounts owed to credit bureaus by Synchrony Bank. Over the past several months, I have been diligently attempting to resolve this matter with Synchrony Bank to no avail.

Despite numerous attempts to obtain statements detailing the alleged debt, Synchrony Bank has failed to provide me with any documentation. Instead, I received a letter stating that they do not have the requested documents. Furthermore, Synchrony Bank has erroneously claimed that interest is owed on a contract that was explicitly advertised as having no interest for XXXX years. Attempts to resolve this issue over the phone have been fruitless, as Synchrony Bank representatives refuse to provide assistance and have even gone so far as to lock me out of my online account. Despite reaching out to the XXXX XXXX XXXX for assistance, the only response I received was a copy of my delivery bill statement.The inaccurate reporting by Synchrony Bank has caused my credit score to plummet by XXXX points. As a result, other creditors have decreased my credit limits and I am unable to obtain approval for new credit cards. Additionally, Synchrony Bank has recently added a new account under my name without my authorization.

I am requesting immediate action to rectify this situation, including the removal of fraudulent information from my credit report and compensation for the damage caused to my credit score and financial standing. I have documents supporting my attempt to communicate with them and all the documents showing their refusal to provide me information on my payments and my original contract. I have spent numerous days and night speaking to other consumers who have also fell victim of this con synchrony bank pulls, and it is alarming how many innocent people have their lives altered by this one single creditor who seems to get away with these unethical tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and contacted Experian, XXXX and XXXX. It is their job to do a thorough investigation. They are also obligated by law to report correct information. I am concerned about the validity and accuracy of each Credit Company 's investigation of these accounts that are reporting on my credit report. I have asked them to provide an original contract regarding XXXX XXXX, XXXX XXXX, and XXXX. They did not provide which I am entitled to by law, proof of the original contract bearing my signature and a copy. Incorrect information is being reported when I reviews my 3 credit reports. They did not do a thorough investigation and did not provide a statement which I requested. Experian is reporting a {$0.00} balance ( charge off XX/XX/2022 ), XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022 ) and XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022. This shows that their investigation was not conducted correctly and thoroughly. In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 Section 602A. I have a right to my privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C. Section 1681i ( a ) if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They had 30 days to investigate. Wrong information is being reported and I want these accounts deleted off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to seek the assistance from you in resolving a matter involving fraudulent items on my credit report. Despite my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have identified several accounts on my credit report that are fraudulent and were opened without my knowledge or authorization. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit file. With this, I am asking for your assistance for the immediate removal of all fraudulent items from my credit report and assurance that my credit report reflects accurate and up-to-date information. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. These are the following items I want to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX an automated payment in the amount of XXXX was posted to my XXXX XXXX credit card account. Around the same time my bank account was compromised and my bank advised that all outgoing payments/debits would be reversed. I contacted XXXX XXXX on XX/XX/XXXX and expained that the payment was most likely going to get reversed and that I would like to make another payment to avoid late fees and prevent my account becoming past due. I was able to speak to a manager and he processed another payment.I have attached a payment confirmation e-mail from XXXX XXXX showing the amount of the payment and the date of the payment. OnXX/XX/XXXX I received a bill from XXXX XXXX ( please see attached ) showing a XXXX balance and the payment from XX/XX/XXXX posted to my account. 
On XX/XX/XXXX I logged into my XXXX XXXX account to make a purchase and I noticed that I have an account balance of {$59.00}. The balance was for the initial account balance of XXXX, late fee and interest. I contaced XXXX XXXX and spoke to 3 different representatives over a period of 2 hours and they all stated that my account is past due because the payment from the XX/XX/XXXX was reversed. All three representatives stated that they do see notes on my account from XX/XX/XXXX supporting the fact that I did make another payment but neither could explain why they did not post the payment from XX/XX/XXXX to my account even though a manager took my financial information and provided an email confirmation for the payment. 
XXXX XXXX has now incorrectly reported my account past due to the credit bureaus and as a result it's has impacted my credit score negatively. XXXX XXXX is in violation of Fair Credit Reporting act FCRA 5 U.S.C. 1681 and should be held liable.