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

I have filed several disputes with XXXX providing information about inaccurate bankruptcy accounts. All prior disputes I have filed are determined verified. In the completed dispute letter I received from XXXX, I was told to contact the company verifying the information known as LexisNexis which is their vendor. According to LexisNexis the bankruptcy accounts do not exist. I have provided supporting letters from LexisNexis that substantiate my dispute. I was told by an XXXX  representative that they obtain information from a public record source known as Pacer which is a third party vendor that holds court information. According to The Fair Credit Reporting Act, I understand that one must verify information from the original furnisher. I also provided a letter from the bankruptcy court stating they do not report to the credit bureaus such as XXXX, XXXX, and XXXX. I would like a proper investigation that do not violate the FCRA. Im attaching supporting documents from all sources once again. The accounts I want investigated and removed are listed XXXX US BKPT CT TN XXXX XXXX US BKPT CT  TN XXXX
Product: Credit card or prepaid card

My account is closed due to hardship concerning a decrease in my income. Although closed I have tried to make the minimum payment even though the account is closed. However I was a day late but the minimum payment was paid I was charged a late fee and raised my balance from {$150.00} to {$170.00} with a minimum payment from {$45.00} now {$65.00}. I can not afford anything over {$25.00} my household monthly income has drastically change. I have called several times and was told the late fee would be removed and it has not. I spoke with a supervisor and she wouldn't remove the payment. Telling me I am always late when I have actually been on time to clear this closed account out. 

www.synchronycredit.com Old Navy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I can not seem to pay down the principal amount that I borrowed. I was in forbearance for a while and am now in an IBR. When I originally consolidated my loans in 2004 the total principal balance was approximately $ XXXX. I have paid over $ XXXX back over the past 14 years and my principal balance is still $ XXXX. When I review a statement of all payments and charges against the accounts I can not make sense of the numbers.
Product: Debt collection

Equiant Financial SVCS has placed an inaccurate collection action on my credit report. They alleged that I owe {$3700.00} and am past due for this balance. However, they have provided no verification of this nor proof that owe these funds to their company. 

The balance is presumably based on a timeshare I previously owned. Two collection agencies ( XXXX and Equiant ) both placed erroneous collection actions on my credit report alleging HUGE outstanding ( past due ) balances owed for my prior timeshare ownership.. 

The balance alleged by Equiant is more than both the original loan amount ( {$2000.00} ) and the annual maintenance fees ( {$500.00} ) combined. Moreover, each month, they place a new action on my credit report alleging that the balance has increased and the payment is late by increasing intervals of time. This is a lie as I do not owe Equiant anything and am therefore CAN NOT be late in paying them. 

At no point did I agree to enter into negotiations with Equiant or concede that I owe any debts to their company. The actions they are now placing on my credit report are erroneous and causing significant damage to my professional and personal livelihood. 

I request that they remove the actions in totality and/or provide verifiable proof that the amounts alleged are owed to them and that they have a right by statute, status, or proxy to communicate and negotiate with me in this regard.
Product: Mortgage

I have some grave concerns based on my history of dealing with Webster Bank of XXXX, CT. Starting in XXXX XXXX, due to a XXXX, I became XXXX. As of XXXX XXXX, I began having difficulty meeting my current mortgage obligations. During the period from XXXX thru XXXX I was attempting to modify my mortgage under the federal program Making Homes Affordable under the Hamp guidelines. After multiple trial period payments, the mortgage was finally modified as of XXXX XXXX, XXXX. Within this past week, I contacted Webster Bank and questioned two recent issues of concern. ( 1 ) Negative escrow balance ( which will be discussed with you in greater detail ; and ( 2 ) their failure to comply with " pay for success incentive '' for making timely payments. I have found no evidence in any of their account transaction history, regarding this incentive. According to documents of modification, it states, that annually a deposit will be made toward the principal balance after the anniversary date of my trial period plan, ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for an amount up to {$1000.00} each year ), despite the fact that I have remained current with modification payments,. 
Within this past week, I contacted Webster Bank and questioned both the negative escrow balance and also the missing " pay for success '' incentive payments. I was placed on hold for 45 min. at which point, I terminated the call. I have yet to get a response from Webster, despite Webster having my current contact information. I still have no answer to these questions. 
My experience with Webster Bank has taught me that they are unreliable, unaccountable, and not particularly helpful to me since this process began in XXXX XXXX. Therefore, I am requesting your assistance at this time.
Product: Credit reporting or other personal consumer reports

My credit score from Experian dropped from XXXX in XX/XX/2023 to XXXX in XX/XX/2023 due to identity theft. I submitted a police report in XXXX XXXX  to different credit bureaus, making it clear that the person named XXXX XXXX, who had a collection from XXXX by XXXX, used my SSN illegally and had nothing to do with me. 

In XX/XX/2023, Experian, however, added XXXX XXXX and another name XXXX to my credit report, making my credit score decreasing by XXXX points a month. When I reported the problem and the two names were cancelled thereby on XX/XX/2023, Experian refused to correct my credit score due to this identity theft, when a Chase banker confirmed that no other factor should influence my credit score in a negative way, because I paid rent, XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX card in full and on time.
Product: Debt collection

XXXX XXXX has been calling not only me, but several of it's customers threatening to take personal property, threatening to take them to court when no legal documents have been served and using abusive language, harassing family members and calling my place of employment after i told them not to. Much of this illegal behavior occurred during XXXX, XXXX and XXXX of 2018. However, I'm sure it has been going on for much longer than my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it XXXX Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not XXXX you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to XXXX and XXXX  on XX/XX/2020 and has attached a copy of the letter that was sent below.
Product: Checking or savings account

I have TRUIST debit card that was fraudulently used by several companies. Bank refuses to return the money. They say they will investigate but they have not even called me to ask any questions. I filed the complain in one of the bank branches and I have been back several times. I was out of country on a cruise XXXX so I could not have charged anything in those days. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind.
Product: Debt collection

5 year + old charge off account. 
Discover bank keep going up on total amount. I was told the account will be XXXX soon. 

Balance should be $ 800-1000 max.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : XXXX  Account Name : XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

My Identity was stolen around XXXX of 2016, I was made aware via a credit report that a XXXX line of credit with XXXX was opened. I contacted the company and they refuse to assist me. I have called multiple times. they just transfer me to the collections recovery dept. at this point. I do n't know what to do. I never opened nor requested a line of credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX just reported that my account is 180 days past due with Equifax. This debt was included in my bankruptcy case that was discharged in XXXX. If this is not fixed immediately on ALL credit reporting agencies IMMEDIATELY, my attorney and I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

To Whom it may concern, My name is XXXX XXXX and I have been the victim of a fraudulent landlord. I have been in contact with this landlord since he reached out to me from a rental website ( XXXX ) as I was looking to move into his home in XXXX XXXX. The landlords name is XXXX XXXX, who checks out as a certified agent after doing research on him. After applying to his home, he reached out to me asking why I was interested and followed up with other general questions agents and landlord tend to ask tenants. To summarize, we built good rapport and i continued with the application process. A week later, he emails me the good news that I have been approved and i just need to wire him the security deposit, first months rent, and last months rent. All which i did through XXXX and XXXX. He then tells me the keys will be expedited to my current address by the next day. Well, the next day comes and he is unresponsive. Not only do i not receive any updates from him but the keys never come. I instantly drive out to the property and the current tenant there knows nothing of a XXXX XXXX. Please help me, I have spent most of what i have in this transaction hoping to obtain this house. Only to be left with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts do not belong to me XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In regards to item, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. XXXX, Experian, and XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution by definition under that title.

15 USC 1681, section 604 a section 2 states that In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation on how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, Which is against the law. 15 U.S. Code & 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code & 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX and XXXX XXXX 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what XXXX is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through XXXX, TransUnion, and XXXX  and XXXX in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.