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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address XXXX es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/XXXX Current Address ( XXXX ) : XXXX XXXX XXXX XXXX  XXXX, AL XXXX XX/XX/XXXX Also Known As XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to unfreeze my Equifax credit report for almost a month, as I am trying to obtain a mortgage. This was a freeze placed by Equifax ( NOT me ) and this delay has caused me financial hardship.

Equifax publishes at least 8 phone numbers to contact them, all of which go to an automated system. Most of those systems do not give you access to a live person, and the ones that provide the option to talk to a person all state that the system is unavailable, and disconnects the call. Even the live web chat does the same. 

I've spent countless hours trying to reach someone ( over the internet, by mail, and over the phone ) to help me do this, as it's holding me hostage and preventing me from managing my financial affiars appropriately. Equifax is literally unreachable, and it's extremely disconcerting to know that they are allowed to operate this way. It seems criminal.
Product: Debt collection

Pendrick capital llc has been harassing me since last year during the winter time. Ive called them in XXXX of this year along with the collection agencies they hire to collect the money owed. And they gave me different amounts owed to different companies, they have threatened me to get penalized by the courts ; they have contacted friends, they continue to harass me through calls letters and adding new collection agencies to my account. Lack of response to debt verification and inaccurate reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, Experian and XXXX are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX , Experian and XXXX . It was not resolved and deleted from my credit file. The response to me was updated or verified. I did not know how this could be possible when the account is not mine. However, I asked XXXX, Experian and XXXX to provide me with debt validation document evidence but they never honored my request. They refused to delete this alleged fraudulent account from my file. They are lawfully bound to report accurate information. This debt they are reporting is not ( XXXX to XXXX ) not e-Oscar valid or verified. The date they have for this account shows opened XX/XX/2019. I have attached documents to prove that this account/ debt does not belong to me.
Product: Mortgage

On XXXX XXXX I received notice that my credit had been approved for a refinance. I never inquired about a refinance. I pulled my credit to find that they ran my credit on XX/XX/2021. On my credit report I also found that my soon to be ex-husbands parents address had been added. I called the company and they did not have my email or phone number on file as this was a new mortgage as of XX/XX/2021. My ex was the one who set everything up so I had no communication with them. During XXXX there was a divorce and protection order filed and all financial issue were to be put on hold. Nobody can provide me information to how they got my new signature for the " pending '' refinance and I can not dispute to have this removed from my credit because it is being used for a refinance. They continue to say they will call me back or email me information and I never hear anything. I NEVER authorized any of them to run my credit or attempt to refinance the mortgage.
Product: Debt collection

Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXXnd it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX
Product: Debt collection

There was an old debt on my credit report ( amount {$2700.00} ) managed by XXXX XXXX XXXX XXXX XXXX XXXX and now shows as " Paramount Recovery. '' Internet research shows that " Paramount ... '' likely purchased XXXX XXXX XXXX XXXX XXXX  but that's not the problem. The account shows an " Opening Date '' of XX/XX/ and this debt is far older than that. Therefore, this account was RE-AGED and is in violation of FCRA Section 623 ( 5 ) ( A ). Disputes have been sent to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$5900.00} Balance Updated : XX/XX/XXXX Credit Limit : {$5000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$1300.00} Balance Updated : XX/XX/XXXX Credit Limit : {$1000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX since XXXX regarding an account being past due on my Transunion credit report. They email me and state the account doesnt match my name so then i send this to transunion they wont fix my credit report even after showing proof. Then XXXX  states they cant talk to me this acoount dont belong to me but yet wont correct my credit report
Product: Credit card

NOTE : The Card number may not be complete as I did not receive the card at all. 
Around XX/XX/XXXX I applied for Old Navy Credit card at a store in XXXX NY. The purchases I made that day we paid through my debit card and was not charged to the new credit card. It was just an application. 

Early XX/XX/XXXX, while trying to get a car loan, I was made aware that I have negative reporting by Synchrony indicating Charge off and Late payments. I list below the events that occurred and incorrect management of the account by Synchrony. 
Upon understanding of the negative reporting I immediately called Synchrony. 
XXXX Synchrony asked me to call XXXX as the account was sold. XXXX did not have the account active on their systemb. Escalated back to Synchrony on what the balance is and why is reflecting on my credit report. Nobody could explain the balancec. Continued follow up until Synchrony had to re-purchase the account back from XXXX XXXX associates. 
XXXX The account was reported Charge off around XX/XX/XXXX and XXXX XXXX this Seriously impacted my credit. 
XXXX With various follow ups I was given to understand that there was a balance of about {$59.00} on the account however they could not explain why until the account was activated. 
XXXX Finally, i was given to understand that an application fee of around {$14.00} was assessed on the account and all other fees were additional late charges. 
XXXX Synchrony waived the charged and I paid {$14.00} and change on the account with the expectation that Synchrony correct the report and delete any negative reporting. This was committed by the agent on the call. 

I never received the credit card from Synchrony. I was told it was returned for incorrect mailing. They did not send me any notifications or statements, nor did I receive any calls. Synchrony charged off my account and sold my account. I also did not receive any notification from the new purchaser. This is complete mis-management of the account and this lead to me having to agree to a high interest rate on my new car. In my XXXX years of credit history I have NEVER been late on any of my accounts and would have not on mere {$14.00} if Synchrony had managed the account well. Apart from a few agents at Synchrony Bank, most of them did not care for customer concern even after explaining on multiple occasions, what the background was. Over the last 6 months I would have paid over {$300.00} extra on my car loan interest due to this mis-management and credit reporting.
Product: Debt collection

On XX/XX/2023 I received a text stating : " Hi, you will now receive texts from KLS Financial Services ( a Debt Collector ) about your {$2700.00} unpaid balance with XXXX XXXX XXXX? 's call XXXX. Pmts and Info : sclk.me.PayKLS. Account XXXX '' This was not my debt. The debt belongs to an adult family member. I believe this is a deceitful email attempting to collect a debt that does not belong to me yet you email me it is " Your '' debt.
Product: Credit card or prepaid card

In XX/XX/XXXX I accepted an offer on a credit card made by Banco Popular de Puerto Rico ( " BPPR ). The offer was for 12 months interest free credit card for all transferred balances within the first three months of the card. Transfers were made within the first month. No other charges have been made to the credit card. To my surprise BPPR started charging interests to my account since XX/XX/XXXX. To this date they have charged a total amount of interests of {$1700.00}. A complaint was made on XX/XX/XXXX with BPPR ( Complaint Number XXXX XXXX, XXXX ) but they still charging interests on the pending balance. Furthermore, no credit has been made to correct the interests charged in breach of the credit card agreement. 
The situation is affecting my credit since the balance reported to the credit agencies fails to show the correct owed balance. To this date more than sixty days has passed since the complaint was made and the have done nothing to correct it. Although it was informed to them that I was in the process of a credit transaction with a financial institution and the situation was affecting my credit possibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been a XXXX man for XXXX  years and i cant change that eqifax keeps lowering my score because im XXXX every month not because of credit issues it saddens me how every XXXX person in this world has a duty to knock the XXXX man down everytime he tries to be somebody or do something positive its like at birth XXXX  people are told to never allow XXXX people anything i have 100 percent payments on time 2 car loans and 7 credit cards all on time every month credit utilization 16 % i have XXXX in credit and used only XXXX so why is it every month my score goes down and never up i know filing this complaint is useless cause its the way of the world no XXXX  person is allowed to treat a XXXX person fairly every even after all the years of XXXX people getting knocked down there is no reason for my score to be dropping when i pay on time never late i finally see why XXXX people are held down so XXXX  people can look better and the saddest of it all the XXXX  person doesnt even have to know you personally its just that no XXXX  person can allow a XXXX person to suceed XXXX  people will always XXXX and im supposed to like how im treated or im supposed to say oh not all XXXX  people when it is i dont know eqifax or XXXX  so why would they knock my score down every month for no reason ill tell you its because im a XXXX person trying to do the right thing and having a high credit score i would be on a XXXX   persons level and XXXX people dont want that to ever happen so i know this complaint is useless because a XXXX person has no weight or rights in america so keep XXXX america alive XXXX lives dont matter
Product: Mortgage

I filed two complaint with the Consumer Financial Protection Bureau. They haven't even received or prossed in last two weeks do you all work with Mr Cooper.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Dispute Regarding Security Breach and Account Status Dear Consumer Financial Protection Bureau , I am writing to formally dispute the status of my accounts, which were impacted by a recent security breach. Despite the breach, my accounts are incorrectly marked as open instead of closed. This misinformation is causing significant inconvenience and potential harm to my financial standing - Current Status : Open ( Incorrect ) I kindly request that you investigate this matter and ensure that my accounts are correctly updated to reflect their closed status. Additionally, I would appreciate any information on the steps being taken to address the security breach and protect consumers from future incidents. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX Bondage, which falls under XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX Bankruptcy - XXXX
Product: Student loan

Since XX/XX/year> I have been trying to complete a double consolidation covering 6 PLUS loans ( presently serviced by XXXX ) obtained for my 2 sons educations. Utilizing XXXX XXXX XXXX and XXXX form XXXX, along with all relevant documentation, I submitted packets to Aidvantage and NELNET, splitting the six loans between the 2 servicers. XXXX quickly processed the 3 loans. NELNET never responded. After contacting them I was told that they had no account. I then sent the the loan request to XXXX. After further weeks of no contact I sent the request to XXXX. Many more weeks of no contact. A month ago I resent the application to NELNET. Yet again, no contact. I have had no communication with the other 3 servicers so have no idea what might be the problem. 
All applications were sent via USPS certified mail with return receipt. Not a free service by any means. I have gotten all return receipts acknowledging that they were received.
Product: Debt collection

Conn 's Credit is engaged in illegal practices to collect on an alleged debt. I sent them a debt validation letter over two weeks ago and have received no response. I entered into a consumer credit transaction with Conn 's Credit which included a finance charge. The finance charge is defined under 15 USC 1605 ( a ) of the Truth in Lending Act as the the sum of all charges in a consumer credit transaction. Conn 's credit is in violations my rights as a federally protected consumer. Furthermore, they keep attempting to collect on a debt which I do not owe and which was paid for by my open-end credit plan ( SSN ) pursuant to 15 USC 1602 ( j ). As a federally protected consumer I can and enforce for monetary damages if Conn 's Credit doesn't take all the action stipulated below.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX XXXX and also XXXX XXXX for their failure to comply with federal laws regarding debt validation and credit reporting accuracy. 


COLLECTION MANAGEMENT and also XXXX XXXX has not provided proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested validation, including : 1. Evidence that they have the legal right to collect the debt.

2. A written contract or agreement signed by me that demonstrates my obligation to pay.

3. A full accounting of the alleged debt, including the original creditors name and a breakdown of the amount.

Despite my request, they have failed to provide any of these documents. 


XXXX is reporting this account as verified, yet they have not provided any evidence of a proper investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I requested that they perform a thorough reinvestigation and provide documentation to support their findings. However, no such documentation has been provided, and the debt remains on my credit report without proper substantiation.

Applicable Legal Precedents : The U.S. Supreme Court case Heintz v. Jenkins, 514 U.S. 291 ( 1995 ), establishes that debt collectors must comply with the FDCPA. 

In TransUnion LLC v. Ramirez, 594 U.S. _ ( 2021 ), the Court reaffirmed the importance of accuracy in credit reporting and consumer rights to dispute inaccurate information.
Product: Credit card

We booked a hotel room on XXXX using our TJX Rewards Platinum Master Card/Synchrony Bank. The hotel room was for XXXX XXXX, 2015 in XXXX XXXX. We paid {$210.00}. We received confirmation from XXXX. On XXXX XXXX we arrived at the hotel at approx XXXX XXXX. The hotel did not have any reservation for us and hotel was full. Called XXXX '' and they did not help us. We had to find another hotel on our own and pay from our own pocket. XXXX never got a room for us and never credited our card. TJX credit card said they can not help us. TJX CC initially credited us {$210.00} while the checked into it but later they took our {$210.00} again and said that the Merchant said that our reservation was non-refundable.?? They never made a reservation!! XXXX never paid a dime- they just did not perform. We lost {$210.00}.
Product: Credit card or prepaid card

Chase closed my open credit card that I just paid off.. I recently made extra payments beyond minimum to pay down that credit card. I am trying to pay down my debits and increase my credit score. I have not been late, nor have I defaulted with chase. There is no reason to close my long standing credit card and penalize me. This will now effect my credit more, and negativley. If they closed my account due to high balances on other cards, yet see that I am trying to pay down my debits one card at a time, and Chase being one of them that got paid off, they are penalizing me for paying my card off by closing it. I do not want this card closed nor did I request this. This card should be open. This is the 3rd card chase has