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

I am formally disputing multiple accounts that have been unlawfully and inaccurately reported on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Due to these violations, I am requesting the immediate deletion of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : {$1600.00} ) Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. These accounts contain inaccurate, unverifiable, and misleading information, violating this requirement. 
Obligation to Delete or Modify Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 5 ), if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Immediately delete or correct the inaccurate information from the consumers file. 
N

otify the furnisher that the item has been modified or deleted. Prohibition on Reporting Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) strictly prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. The accounts listed above have been wrongfully reported and must be deleted immediately. Unauthorized Disclosure of Consumer Information Under 15 U.S.C. 1681b ( a ) ( 1 ), credit reporting agencies must ensure that only accura
te and legally permissible information is included in consumer reports. Since the disputed accounts fail to meet these legal standards, they must be removed.
Product: Credit card or prepaid card

Synchrony seems to be illegally denying credit accounts under false/incorrect pretenses, even though they may not do it on purpose. 

I have tried to apply to the PayPal Cashback Mastercard, which is issued by Synchrony bank. 

I have applied multiple times during the month of XX/XX/2023, as well as today, XX/XX/2023. 

I keep getting denied by Synchrony Bank because my XXXX credit file is allegedly frozen. I am receiving denial letters from Synchrony stating the same. 

It is true that my XXXX file was frozen the first time I applied. I have immediately unfrozen it and reapplied, but it was subsequently denied for the same reason. 
I have then left my XXXX file unfrozen for over 30 days, then reapplied again today ( XX/XX/2023 ), having verified both online and by calling XXXX that my credit file is in fact not frozen. I have been denied every time, for the alleged reason that my XXXX file was frozen, which is materially false. 

In the denial letters sent by Synchrony bank on XX/XX/2023, they merely state " Unable to access your credit bureau file due to a freeze. ", mentioning the address of XXXX. 

I have called PayPal in XX/XX/2023 and on XX/XX/2023 in order to try to resolve the issue. They say they can't advise, because the credit account is opened on the Synchrony side, and Synchrony handles the credit approval. 

I have called Synchrony ( last time today, XX/XX/2023, at around XXXX PDT - Pacific Daylight Savings Time ), but after transferring me from department to department, they forcefully transferred me to PayPal even though I told them not to. Because Synchrony is the bank approving the credit account and the one sending the denial letter, I believe Synchrony is at fault. 

I have exhausted all my possibilities : - Trying to reapply - Double-checking with XXXX that my file is unfrozen - Calling Synchrony Note that a quick google search of the keywords " synchrony frozen paypal transunion '' will yield multiple reports of the same issue. This is clearly not isolated to just myself. Synchrony seems to be illegally denying credit accounts for implausible reasons. 

Note that I am a Synchrony customer ( I have a savings account opened with them )
Product: Mortgage

In reference to complaint # XXXX, Seterus quoted the following : " if Borrower is obligated to pay Escrow Items directly ... Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section XXXX and pay such amount and Borrower shall then be obligated under Section XXXX to repay to Lender any such amount. ". This is not valid in my case. Because, I am under monthly payment arrangement with the County of XXXX to pay my property taxes. Therefore, 'Borrower fails to pay the amount due for an Escrow Item ' does not apply in my case. XXXX mortgage probably recognized the mistake, and did not open a regular escrow account in which they will make the payment of property taxes as part of monthly regular mortgage payment. XXXX mortgage payment resulted in excess payment of property taxes and the County of XXXX returned the excess payment to me. Seterus also made the same mistake and failed to check either with me or with the County of XXXX whether there is any payment arrangement. Seterus ignorance of XXXX actions and their own failures to verify the status of property tax payment arrangements, they opened escrow account resulted in serious financial damage.
Product: Debt collection

XXXX XXXX XXXX XXXX has sent me a letter in the mail stating that they are a debt collector and that I owe a debt to Truist Bank. I do not owe Truist Bank nor XXXX XXXX XXXX XXXX the alleged debt amount of : {$15000.00} Please see attached pdf document ( XXXX )
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX ) that the consumer reporting agencies make sure they provide fairness, impartiality, and respect for me the consumer right and my privacy. However, XXXX, Equifax, and XXXX are the credit reporting agencies and I am the XXXX. So, since I am the consumer I have the given right to make sure my private information isn't shared per XXXX XXXX XXXX and just to give a brief summary it states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The credit reporting has inquiries that I do not have accounts for, I've reached to them numerous of times to have them removed and nothing has been done XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all need to be removed or proof needs to be provided. Those inquiries needs to be removed from all credit reporting agencies per XXXX XXXX XXXX and since you violated me and failed to follow the law ; I'm entitled to {$1000.00} per violation plus the stress and inconvenience it has caused. Also I have a Charge off from XXXX Main that's reporting different amounts which is not accurate, Another Charge off is First XXXX XXXX. And per CFPB complaint a XXXX XXXX is considered a certificate of indebtness which means it is income and must be removed. The XXXX XXXX XXXX of XXXX the promised not give my information to anyone and my student loans are reporting ( XXXX ) with different information with the credit reporting agencies ; I want to opt out from all credit reporting agencies. And then it's illegal to to report transaction history per XXXX XXXX XXXX, so this needs to be updated immediately. For any question or concerns please feel free to reach out. Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian on XX/XX/22 saying that XXXX  XXXX XXXX made a Bank/Credit Card Inquiry by checking my Experian Credit File , ant that this hard inquiry will stay on my credit report for XXXX  months. The alert listed the phone number as ( XXXX ) XXXX. When I searched for this number, I found that this number is associated with a phishing scam ( https : XXXX ). I called XXXX  XXXX XXXX XXXX credit card customer service line listed on their website instead. They verified that XXXX  XXXX XXXX did not recently submit an inquiry, nor open any new lines of credit for me. I then called Experian, who placed a fraud alert on my file and agreed to remove the inquiry from my report within XXXX hours. I asked why they gave my credit report to a XXXX  XXXX XXXX impostor and did not get a response. I find it disturbing that a company that is supposed to help protect my identity would give my credit report to a scammer and then send me an alert with the scammer 's phone number on it. Had I called that number and given my personal information, it could have been much worse. ( In the meantime, I received a text message from XXXX saying " Congratulations, your XXXX  XXXX XXXX credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. '' Clearly, my personal information was stolen and is being used to phish. )
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal TradePLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights ton privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, often than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any Information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I checked my account balance on Chevron/Texaco XXXX XXXX my account website, and the most recent statement showed the minimum payment due on a balance of {$100.00} is {$40.00} which is out of the ordinary, cause the bill isn't even due to XX/XX/2024. The minimum should be about {$29.00}, not {$40.00}. When I spoke to a rep she said it was because of a late payment, but the bill isn't due till XXXX XXXX XXXX I " won't '' be paying that, as I will pay the minimum of what I have been paying a month, {$30.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, Experian, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/XXXX XXXX, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and XXXX XXXX together. So when my finance person and I went back to see what Experian was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed XXXX XXXX on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XX/XX/XXXX and I am getting very frustrated with the whole system. I am going to try to contact XXXX XXXX again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposit a check under my uncles name to XXXX. We both have the same last name, and both of us sign the back of the check. We deposited the check not in the atm, but both in person with the teller, & it went through. The funds are in my account but are on hold to verify it. On XX/XX/XXXX, i received a notice saying my account is restricted and it would be closed if that check is not verified. The only way to verify it is through caller id. His phone number shows in the caller id, but dosent show on their system. XX/XX/2012, i keep calling to customer service, to remove the restriction and verify the check, and its the same story, that the caller id does not match.
Product: Debt collection

repeated calls from without leaving a message from a number i do not know XXXX. I finally answered and it was someone claiming to be from XXXX XXXX trying to collect a debt from XXXX years ago and wanting me to submit payment over the phone of {$1800.00}. This debt was charged off according to the caller, however, i have no recollection of even having a XXXX XXXX account then. I keep up with my credit report regularly for several years now and have not seen this at all. I told XXXX that I am not submitting any kind of payment over the phone for a debt I know nothing about and asked no one call me again about this.
Product: Debt collection

In  XXXX  of   XXXX   I suffered an injury at work that was covered by worker 's comp. Since that date, I have been receiving notices from the  XXXX   XXXX   XXXX   XXXX   XXXX , indicating that I owe them {$290.00} for a consultation while I was in the hospital. This should be covered by the worker 's comp company. I have contacted the worker 's comp company and they have assured me that they have been trying to reach the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  without success. Meanwhile, the  XXXX   XXXX   XXXX   XXXX   XXXX  has continued to send me letters, despite multiple calls to try and clarify the situation.     Now, I have begun to receive letters from  Credit Associates , Inc.,   attempting to collect what the  XXXX   XXXX  reported as a debt. As of this morni ng, Credit Associates left a  shredded note taped to my front door at approximately  XXXX , in regards to the supposed debt. Not only is this in violation of the California State  Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practic es Act for contacting me well before  XXXX , but I believe it also constitutes harassment ; not only for coming to my home to post a shredded notice, but also for potentially revealing information to persons other than my attorney and my sp ouse ( i.e. my neighbors and  roommate ).
Product: Debt collection

On XX/XX/XXXX Midland Funding received my certified letter requesting validation of debt. I have requested that Midland Funding send me physical proof of the debt owed such as all invoices with transactions dates, bank transactions showing that I made payments, and the original application bearing my signature proving I received the services that were provided. After 30 days pasted I sent another certified letter putting Midland Funding on notice that they failed to respond to my letter and that per the FCRA they were in violation by reporting inaccurate information on my credit report. I have disputed with all credit bureaus and Midland Funding has " electronically verified '' the account is accurate. I demand Midland Funding send me the physical documentation proving I owe this debt. This collection has severally crippled my credit. 
Midland Funding says I owe {$1100.00} ... to which I have no knowledge. 
Please have Midland Funding Prove proof ... ..NOT A INVOICE!
Product: Credit card or prepaid card

XXXX XXXXXXXX took adverse action against me for disputing a late payment. I DEMAND MY ACCOUNT IS REOPEN AND the negative remarks are removed. I was never notified in orally, in writing, or electronically of such claims. There is no such thing as a late payment pursuant to the TILA under 15USC 1666b. I demand my remedy as the consumer under 15USC1692c ( c ) 2. Cash is not required for credit transaction and my account is to be open ended 15USC 1637. If XXXX XXXXXXXX fails to do so and discriminate against me for any unfair remarks on my consumer credit report, they will be held civilly responsible. I have full faith and Credit backed by the UNITED STATES OF AMERICA Department of State. I will use my state Attorney General to hold you accountable for infringing upon the SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inaccurate information in the bankruptcy files by XXXX XXXX XXXX and Trans Union both companies I have called and tried to dispute online and I have not been able to The name XXXX XXXX XXXX not belonging to me XXXX XXXX or my wife XXXX XXXX. it is in accurate reporting so I want the file removed.
Product: Debt collection

Enhanced Recovery Company has harassed me for over a year due to an amount of {$280.00} owed to XXXX XXXX XXXX. My mother put the services in my name and my consent was not given. I've told the company multiple times that I in fact did not know anything about this account but they are still expecting me to pay. They call almost every hour XXXX which interrupts my work day and as a military member, it has gotten me in trouble on a few occasions. I hope there is a way to resolve this to ease my growing stress.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2024. I noticed there were fraudulent names and misuse of my identity on my report and would like them removed. 

XXXX. XXXX XXXX ( XXXX ID XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ID XXXX ) XXXX. XXXX XXXX ( XXXX ID XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX XXXX XXXX XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Debt collection

THERE ARE SOME information that appears on my credit report, as governed by 15 UDescription of Inaccurate Information
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

Please see attached pdf which summarizes dates, contacts made, and purpose of contact. 

At the end of XXXX I noticed several charges on my credit card that I didnt make. The charges were made in XXXX, Texas and I live in California. One large amount to XXXX XXXX for almost {$4000.00}. Also XXXX charges to XXXX  XXXX. I have reported this to Chase and they have come up with different reasons for not validating the fraud. XXXX  XXXX  because I ordered from them ONCE before about 6 years ago in XXXX XXXX using a different card. I didn't even have this card then. XXXX XXXX because they said that my home phone number was called and the charge approved. This is not true and they will not show me any proof. They originally denied claim because, they said, I was notified by email and didn't respond. I hadn't even seen the email until after I spoke to them. 

Please see details and dates in the document. I'm also attaching copies of the receipts and invoice from XXXX XXXX and charges from my statement for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filled out a FTC identity theft report on XXXX to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and transactions that strongly indicate fraudulent activity. I did not initiate or authorize these entries, confirming my status as a victim of identity theft. the unauthorized account and transactions are attached in the Identity theft report I have uploaded.
Product: Vehicle loan or lease

I 've been struggling to try to pay my loan due to the fact I work and go to school and is trying to get by everyday and then I ended up XXXX for traffic tickets and lobel financial repossessed my car I understand they 've been trying to contact me but how when I was XXXX and could n't do anything. They told me I could n't get my car back unless I pay the full {$7000.00} loan by XXXX XXXX! Who has that kind of money to just give out! I explained my situation and the girl kept saying because it 's a new loan it 's nothing they can do about it. I 'm pretty sure they can I was willing to make the {$680.00} I owe plus the repossession fees and still they were n't budging. People go through situations and events that we do n't ever expect to happen in our life. why ca n't they understand, I promised I would. It be late anymore and she just kept offered the repossession tow yard number. She was very rude and just hung up the phone on me and my girlfriend. She did n't allow me to speak to management and just kept saying there 's nothing she can do! Yes there 's something u can do! Let me speak to management besides hanging up on people!
Product: Debt collection

Asked the company to verify the debt : Make sure the debt belongs to me.

The company has not verbal or written communication proving this is my debt.

After reporting that the debt isn't mind the company closed the account and refused to provide more information Request a deletion explained to the company that I was involved in several data breaches and since this account is charged off it should be removed from my XXXX XXXX and XXXX reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus seem to throw my letters out or do not do anything on my file. I want the inquiries I did not authorize removed. I have an account that does not belong to me. I also have an account that says charge and does not belong to me. I am attaching a letter of explanation.