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

XXXX and XXXX  credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than ten different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is Synchrony bank/Amazon, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an XXXX product, as XXXX, -- -it is difficult and time consuming to get a new report because I am blocked by XXXX in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on XXXX and do not want XXXX to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT SYNCHRONY BANK WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS XXXX. XXXX REPORT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history. 

RATE GENIUS shared information to XXXX XXXX without my authorization.
Product: Money transfer, virtual currency, or money service

I wired {$800.00} to XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX and it was received. I sent {$400.00} more to XXXX ( XXXX XXXX - payment for design services ) on XX/XX/XXXX. XXXX says he never received the second transfer. WU said he received it on XX/XX/XXXX. On XX/XX/XXXX I spoke with " XXXX '' ( case number # XXXX ) who said I would get results of their investigation by XX/XX/XXXX. I specifically asked for documented proof he had received it because I know it is possible that WU is correct. On XX/XX/XXXX XXXX said my case was escalated on XX/XX/XXXX & that I would be notified within one week. On XX/XX/XXXX I spoke with XXXX who said I would get a response by XX/XX/XXXX. I insisted on speaking with a supervisor. XXXX said it was expedited on XX/XX/XXXX and there was no way of knowing how long it would take to get documentation from the investigation. On XX/XX/XXXX I spoke with XXXX who said I would get an email from the Non-Payment Claim Dept w/in 24 hrs. I never got a call or email from WU, but later got a letter dated XX/XX/XXXX ( in the mail, though I said I was not at home and needed an email notification ) that said my request for reimbursement was refused & I could request documentation that it was received by calling the same number I had spoken to multiple times. Every single call was to get documentation! I wasted hours of my time & still can't prove it was received! I have been unable to work with XXXX because I can't know if the second payment was received or not and I don't want to send more money and have it disappear. This has cost me many hours and frustration and impeded by ability to pay people.
Product: Debt collection

XXXX from Portfolio Recovery was very rude. I have no idea who these people are or how they got my number. Called the number and tried to find out who was calling and was spoken to in a fashion that is and will not be tolerated. I am a veteran and I will not have my place of employment investigated nor my home address for fear of safety. I will protect myself and home at all cost. That type of behavior is uncalled for.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE! And i did not authorize any loan nor did i request any loan with your company. At this time i ask you to remove this inquiry off of my credit report with XXXX due to the fact that i did not authorize this. I have here the FTC report with you all attached to it ( OneMain Financial ) also attached to this complaint listing that this matter is now marked fraud. Please remove this inquiry off my record. thank you.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Public Records Accounts reporting on my credit file that does not belong to me. I have disputed this inaccurate information for months. The credit agencies stated that they received their information from the courts. So I contacted the courts to verify this and the courts stated that they do not provide the credit agencies with any information. Please see the attached letter from the courts. The Bankruptcy Dismissal Information for 2 Public Records does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I reported Identity Theft I wrote all 3 credit bureaus sent in all documentation XXXX XXXX XXXX name is still in my credit file as well as a XXXX Texas address Im trying to figure out if this person is employed with one of the Credit Bureaus for years I have been trying to get this unknown person and the address off my credit file and for some mysterious reason the information is still being reported On XX/XX/2021 I applied for a unsecured loan with XXXX XXXX XXXX and Equifax reported in my credit file as a Mortgage Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX collection charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX collection charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation. 
FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.
Product: Mortgage

Hi I have an account with Franklin First FinancialIn Late XXXX I Paid two months mortgage payments in advance and I was instructed that to get refunded the additional payment made in error I would have to grant them access to deduct another mortgage payment which in turns means I will be immediately refunded. 
Unfortunately the last response provided from the Mortgage company is that they owe me no funds.
Product: Credit card

I have had different chase accounts for some time now without any issues and always paid my bills on time. Recently I received a notification via a third party app I use that my credit lines were decreased on both of my chase cards. I thought the notification was an error so I logged on and noticed that my limit was reduced just XXXX or so dollars above my balance. This has caused my fico score to crash and my utilization to sky rocket hurting me for no apparent reason. I once again have been late or exceeded my limit but I was punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX  ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX IN regards to XXXX XXXX, above, this item was PAID, CLOSED  and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XX/XX/2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Debt collection

For the last year I have received repeated calls from a XXXX XXXX XXXX. This company has used threatening tactics, extreme robocalls, and contacted family members despite my telling these reps Do Not Contact me, my workplace, or family members. I have asked to have paperwork stating that I took a loan with them but each person refuses. This morning, I have a message on my voicemail from a woman stating that she is coming to my house tomorrow morning, XX/XX/2019, and I had better be there. She actually read my address aloud. These people are contacting my family members as well. My XXXX   daughter  has a XXXX   XXXX and although she has said not to contact her, she continues to receive phone calls. This triggers extreme XXXX XXXX and setbacks.
Product: Credit card or prepaid card

Synchrony Bank deceptive third party lending!!! 

I recently bought a mattress from XXXX XXXX using their financing option. They use a third party lender, Synchrony Bank. The financing paperwork is about one or two paragraphs long and doesn't go into detail. 

Without my permission, they opened a credit card account with a negative balance and sent me a credit card. My credit took a sizeable hit because of this and without my consent. 

Synchrony will not accept a debit card as payment unless you call them. They make it very hard to talk to a person which is the only way they accept a debit card. 

Their " customer service '' representatives aggressively push you to activate the credit card they sent you. 

They also require monthly payments ... even if your are ahead on your payments. That was never disclosed before the purchase either. 

In my view, this is a deceptive and predatory practice that needs to be stopped. This takes advantage of the most vulnerable that don't understand how credit works. How many people have negative life outcomes because they can't afford a large purchase and get taken advantage of by these loan sharks? I refuse to believe this is legal.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Dispute of Account Reporting Dear XXXX XXXX Bank Customer Service, I am writing to formally dispute the accuracy of the information reported on my credit report regarding my XXXX XXXX Bank account ( Account Number : [ Your Account Number ] ). According to my records, the status of this account reflects a payment status of " 120 Days Late, '' which I believe is incorrect.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. I request that you investigate this matter and correct any inaccuracies. Specifically, I would like to challenge the following details : 1. **Payment Status** : The account is reported as " 120 Days Late. '' I believe this status is inaccurate due to [ briefly explain your reason, e.g., payments made on time, misunderstanding, etc. ]. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information.

2. **Amount Past Due** : The reported amount past due is {$150.00}. I request clarification on this amount and how it was calculated. Under 15 U.S.C. 1681s-2 ( b ), I expect a thorough investigation into this claim.


3. **Credit Utilization** : The report indicates that my credit used is at 139 % of my credit limit, which appears to be a mistake and does not accurately reflect my actual usage. Falsely reporting information is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I also remind you that the FCRA mandates that you complete your investigation and respond to me within 30 days of receiving this dispute, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ).

Please provide me with any documentation that supports the current status of this account, including payment history and communications regarding this account. Additionally, ensure that my account information is reported accurately to the credit bureaus.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has incorrect information and is missing my correct address. I also am seeing unknown accounts on my credit report.
Product: Debt collection

Ashley Furniture showing up as a debt on my credit report. I called several times and they can not locate any account under my name or information. i requested it be removed since they can not find any record of me or any account. They have refused.
Product: Debt collection

I was being called on my mobile number as early as XXXX after telling them numerous times to stop. I notified them verbally on at least XXXX occasions and the calls did not stop. They were making up to XXXX calls per day. I was told that it was an auto-dialer and they had no control over it. 
After I retained an attorney to sue them, they escalated their efforts to keep me current on my auto loan payments and continued to make phone calls even after the attorney notified them. If I fell behind at all, they notified me of default. I have always made the payments, but have regularly been 30-60 days behind. In XXXX of 2015 they initiated a repossession. I was able to make full payment at that time but have since been late making subsequent payments. After I retained the attorney and he notified them of the law suit, they stopped calling me but continued to send statements by mail. On XXXX morning, my car was repossessed. I am behind XXXX payments. I was not notified by certified mail as required by law. The tow operator trespassed onto my property and pushed my vehicle into the street and then towed it away. The local police were not notified and the tow operator made quite a scene banging on my door multiple times at XXXX and pushing my car into the street in a quiet residential area on a holiday. The practices overall of this company are shameful. I understand that I was late on my payments, but has ALWAYS been late on my payments. Why this would make XXXX XXXX 2015 any different is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITALONE Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I would appreciate your help with the account that has been inaccurately reported on my credit report. This matter has caused significant damage to my reputation, and I am seeking your assistance. Your mishandling of my credit report has severely affected me, and this incorrect information has tarnished my reputation. Please take action to remove this misleading information from my credit report.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled I C SYSTEM INC Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXXXXXX XXXX XXXX XXXX XXXX mentioned accounts.
Product: Debt collection

To whom it may concern, Jefferson Capital Systems did not notify me that they are now collecting an alleged debt on behalf of XXXX for the amount of {$330.00}. This is violating the credit reporting laws. 

I want to be provided proof of this alleged item by Jefferson Capital Systems, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Under federal law, Jefferson Capital Systems have 30 days to respond. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX Account Name : Jefferson Capital Systems on behalf of XXXX Amount : {$330.00}
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I got my credit report to check and make sure things were accurate and reporting correctly. I noticed there were inaccurate and unauthorized inquire that I didn't authorize. I contacted all 3 credit bureaus. I told them these inquiries were all in accurate and they still haven't rectified the situation.i have filled with the identity theft. I have a police report as well for when all my information was stolen on XX/XX/23. I advised the Credit companies ( XXXX, Transunion, XXXX ) that this happened and have gotten no help so please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account # XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I have never been associated to said address. 
This is discrimination and misleading on Discovers part, I am now being harassed my Discover, Representatives have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by Discover yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and Discover needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX that became a charge off. In XXXX of 2018 I paid the charge off in full with the original creditor and was advised by the agent that it would reflect on credit as being a paid charge off. I have tried contacting the creditor and have filed multiple complaints with the 3 major credit reporting agencies ( XXXX, XXXX and XXXX ) with no luck on getting the information corrected. I have paid this and it should be reflected on my report that I have. As far as I am aware they are in vialation of the Fair Credit Reporting Act for every time they do not update the information.
Product: Credit reporting or other personal consumer reports

The XXXX company is not reporting its report correctly since I have paid the total debt that I had with them and I have written to them out of good will to please update the balance from XXXX to XXXX and a long time has passed, every month on the same day XXXX They report to the credit bureaus and this month they did not do so which is affecting my credit report. Please immediately ask this company for the current balance of the account which is reported incorrectly. 


account name : XXXX account number : XXXX