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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, Bankruptcy XXXX XXXXXXXX : # Reference XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I keep getting calls from someone named XXXX. The recorded message says to call them or they will contact family members concerning an unknown debt. I did some digging and found this is coming from a company called XXXX which is part of World Wide Processing Group llc. Neither company have a state license to operate as collection agency from the state of XXXX. This is illegal contact under federal as well as state laws. If they have anything that is legal then they should send a letter to be within the law. No company can attempt to collect a debt from a citizen of XXXX without a state license to operate as a collection agency. These XXXX companies are in violation of XXXX state law simply by calling me. I would like to see them in court here in XXXX County XXXX where I live. I believe because of the illegal tactics used that anything they think they may have will not stand up to the light of a courtroom.
Product: Mortgage

I asked for and received a payoff from XXXX XXXX XXXX. The payoff was good through XX/XX/2024. I inquired and was told by XXXX XXXX that they received the funds on XX/XX/2024. I inquired again on XX/XX/2024 since I had not received further communication as to status. I was told Specialized Loan Services ( SLS ) now owned the paper. XXXX XXXX ( XXXX ) responded to me on XX/XX/2024 that she was working on the case with SLS. I inquired to XXXX again today and have not had an answer. The wheels came off during the transfer to SLS but I do not want to incur additional interest as a result. Help!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Account Number XXXX I am writing to formally dispute an account on my credit report that I believe was fraudulently added. The account in question is associated with XXXX XXXX XXXX, and its account number is XXXX. This account does not belong to me, and I have no knowledge of it or any transactions related to it. 


Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( 15 USC 1681c ), I am entitled to request the removal of inaccurate, incomplete, or fraudulent information from my credit file. I believe that this account was added to my credit report in error or due to fraudulent activity, and I am requesting that you investigate and remove it from my credit file. 



I have no affiliation with XXXX XXXX XXXX, nor have I applied for or signed any agreements related to an auto loan from this entity. 
The presence of this account on my credit report is inaccurate and has caused harm to my credit score and financial standing. 
I have reason to believe that this account was fraudulently opened in my name, and I have no records or documentation supporting any such loan. 
Requested Action : This information is found to be inaccurate or unverifiable, I request that this account be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that my Bankruptcy be removed from my public record. I show proof that the United States Bankruptcy Court does not furnish this information to the credit bureaus. I provided this to the Equifax and XXXX. They refuse to provide me with the information who reported this to my report and refuse to remove this from my report. I request that the Bankruptcy be remove from my credit report.
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out regarding the following incorrect information Ive found listed on my credit report. I am a victim of Identity Theft, I most certainly do not recognize any of the charges, accounts, and inquiries Ive listed in this letter. I kindly ask that the unauthorized accounts that are listed below from my credit report to be removed. I did report the theft of my identity to The Federal Trade Commission, and I also obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I do thank your team in advance. Please take care. Thank you again.
Product: Bank account or service

Sychrony Bank has behaved negligently in the fraudulent issuance of credit under my name. 
My personal data has been stolen, probably as a result of the XXXX Hack. I first learned of this in XXXX 2017 when someone opened a credit card and forwarded my mail. I intercepted that effort, placed a fraud alert with XXXX ( which passed to XXXX and XXXX XXXX automatically ). Then I began actively monitoring my data with an online service. 
Moreover, upon review of my credit report on about XXXX XXXX, 2017, I saw that Synchrony had pulled my credit report on XXXX XXXX, 2017. I called to alert them to the fraud on or about XXXX XXXX, and after I identified myself ( giving my Social Sec. Number ), they informed me that an online application was received and declined XXXX XXXX, 2017, but that they would put a fraud alert on my information, noting that the application was fraudulent. 

I received an alert from my monitoring system of an issuance of credit yesterday, XXXX XXXX. It was from Synchrony Bank, which had issued a major credit card in my name, despite the fraud alert I had given them directly weeks ago, and despite the fraud alert currently on my credit report. They did not attempt to contact me. Moreover, they issued the credit despite an inaccurate date of birth given by the applicant. 
After two hours on the phone, I found that the initial credit report from XXXX XXXX had been received under an incorrect social security number, hence the fraud alert did n't trigger the second XXXX ( this despite that I had called them directly with the correct SS # ). The representative explained that their system attempts to correct for minor typos. The clear implication is that applications are matched despite typos, but fraud alerts are not. Moreover, the fraud alert on the actual credit report, which they received XXXX/XXXX/17, was simply ignored. 
This smacks of extreme negligence, if not outright complicity in the fraud. I have been assured by Synchrony that my fraud alert with them is now completely integrated with my data, and will not be circumvented. However, it is a bit hard to trust them. 

Also, I should mention that my mail has been forwarded, twice now, in order for the perpetrators to receive the credit cards issued. I have filed a complaint with the postal inspectors.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>
Product: Debt collection

I don't have an account with Honda Financial Services. But they call me every day ( from XXXX ) and leave a message asking me to call them. I did call them to ask them to stop calling me - because I don't have an account with them - and they responded that they can't stop the calls because I don't have an account. 

This isn't right. It's illegal debt collection directed at someone who does not owe them a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately. 

XXXX Date of inquiry : XX/XX/2021
Product: Credit card or prepaid card

Closed my account during this time of uncertainty. Only had a {$500.00} limit and XXXX balance. They are negatively impacting my credit score on purpose and with cause.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX : {$11000.00}
Product: Credit card or prepaid card

I discovered a credit card issued by Capital One was opened fraudulently in my name, using an address that I have never lived at. I called Capital One in XX/XX/2023 when I first learned of the card and asked them to close it immediately - there was a {$0.00} balance at that time. I was on a recorded line, so they should be able to verify that I asked to close this card. It turns out that Capital One opened a fraud investigation, but did not close the card. Since that time and after several phone calls with Capital One, Capital One mailed me a letter of their investigation dated XX/XX/2023, saying that they found I am responsible for this account because " activity on the account indicates you opened and interacted with this account. '' Charges now totaled {$390.00}. I called and explained that I have never owned/or lived at the property address used to open the card in my name. Capital One said I need to prove that to have my case reconsidered. 

Key Dates : XX/XX/2023- I discovered a card for Capital One was opened fraudulently in my name XX/XX/2023- I called Capital One and asked to have the card closed immediately, as it had a {$0.00} balance - they did not close the card XX/XX/2023 - filed a police report XX/XX/2023 - filed a report on the Federal Trade Commission 's XXXXdentitytheft.gov website XX/XX/2023 - first letter sent to all three credit bureaus - XXXX, XXXX, XXXX XX/XX/2023 - received a letter from Capital One saying they are investigating my fraudulent claim XX/XX/2023 - mailed Capital One copies of the police report and the report filed with the Federal Trade Commission 's identitytheft.gov website XX/XX/2023 - talked with Capital One again who said the investigation was ongoing and it could take 60-90 days XX/XX/2023 - second letter sent to credit bureaus XX/XX/2023 - received a letter from Capital One saying I'm responsible for the fraudulent charges XX/XX/2023 - talked with the Capital One fraud department who said they will not reopen my case unless I can produce new evidence that the account was opened fraudulently XX/XX/2023 - mailed the property owners of the location where the credit application was used to open the card with Capital One asking them to sign/notarize a letter I had drafted saying I have never lived/rented their property XX/XX/2023 - filed a complaint with the Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of hard inquiries in my account that were not made by myself. I called all three credit reports and they suggested I make an FTC report. 

New Inquiry Reported By 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: Credit reporting or other personal consumer reports

I'd discover inaccurate information on my consumer file. Clear violation of Fair Credit Report ACT. I have been disputing this information for longest time now. I've been a victim of Equifax XXXX  Data Breach. Affidavit has been attached regarding the case. 
Consumer Reporting Agencies are not investigating under 15 U.S. Code 1681i. I do not receive any investigation details. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank : CITI Payment made : XXXX XXXX on XXXX XX/XX/XXXX CREDIT CARD XXXX  XXXX  postponed my trip on XX/XX/XXXX due to Covid travel restrictions. 

*Please see the email sent by XXXX XXXX postponing my trip - XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. 

I attempted to open up a chargeback dispute on XX/XX/XXXX using the Chargeback code XXXX for credit Merchandise services not received. 

I have been waiting for 12 months and have filed 3 dispute inquiries and Citi has refused to open up the dispute on the basis that The Merchant is not willing to refund Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. The merchant - XXXX XXXX XXXX has ceased trading. 

See Companies House as evidence that XXXX XXXX is about to be liquidated : XXXXXXXX XXXX XXXXXXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. 
In my case this should be my refund credit note which was due to expire on XX/XX/XXXX. 
It was made clear to me that if I didnt use the note by this date, I would be fully refunded. 

They may also use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX XXXX as I first tried to open the dispute on XX/XX/XXXX Here are Mastercards rules : On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a holiday. 

I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way.

*I have attached a copy of the flowchart sent to me by XXXX - please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. 

*Please see the XXXX XXXX XXXX relevant to my booking that clearly shows that insurance was in place for XXXX  customers only I would like CITI to open my dispute and refund me, in accordance with the Fair Credit Billing Act. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, other than records of convictions 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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act transunion, XXXX, XXXX have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time
Product: Debt collection

An individual left me a message stating I have a civil matter that required immediate attention. I returned the call and was connected with a gentleman a XXXXXXXX XXXX XXXX claiming that this is a law group that has petitioned the court to garnish 30 % of my wages for an {$880.00} that was sold to XXXX XXXX by Capital One in 2008. This gentleman says from that {$880.00} balance and court cost, I now owe {$6600.00}. I explained to him that I was not aware of any judgment and had not received any communication via mail. It really concerned me because I cant afford to have 30 % of my wages garnished so I asked if we could work something out. I researched the company and him some questions about the company. He claimed to be the paralegal at this law firm XXXX XXXX XXXX His aggressive tone and the fact that I didnt want my wages garnished, I agreed to a payment plan because I felt pressured to do so. I submitted a {$50.00} payment via debt card over the phone and was sent a XXXX that stated my next payment would be for the full amount agreed to {$1800.00} this is the amount he said I owe before they petitioned the court. The XXXX was also authorizing a law firm in Florida XXXX XXXX  to collect payment. When I got off work I began to look into the statue of limitation and the XXXX  to get more information on this company. They have called and text me today from random unknown numbers because I canceled my card as to not allow them to collect funds. This debt is nearly 15 years old. I believe this is a scam. This XXXXXXXX XXXX XXXX is not willing to send me anything in the mail showing that legal action has been taken.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 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 XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Dear CFPB, I would like to inform you of the negligence of the consumer reporting agency I am submitting a complaint against today. This CRA has been reporting incorrect and unvalidated information on my consumer profile that needs to be deleted immediately. I have not received any notification that my previous disputes have been initiated. I have attached my dispute to this complaint, and I am requesting that this CRA investigate these negative accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I discovered a negative report ( a late mortgage payment, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX ) on my Experian Credit Card report, which is incorrect. 

I have made all regular monthly mortgage payments to XXXX XXXX XXXX, on time and in full. According to the servicer, they did not initiate or submit the late payment notification that appears on my credit report. Additionally, XXXX verbally acknowledged over the phone that no late payment appears on my mortgage account ; however, XXXX was unable to explain how or why the late payment to them appears on my credit report. And I was advised to submit a written request to the XXXX XXXX XXXX to obtain an answer. 

I submitted a written letter via fax to the XXXX XXXX XXXX  on XXXX XXXX, XXXX. I also initiated a dispute with Experian on XX/XX/XXXX. However, to date I still have not received a response or a resolution of this matter from XXXX XXXX XXXX XXXX XXXX or from Experian. 

In the interim, my credit score dropped 131 points as a result of the late mortgage payment on my credit report.