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

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to XXXX XXXX & XXXX XXXX XXXX, XXXX NY to look at appliances for my new apartment. Salesperson XXXX XXXX assisted me. I had planned to use my credit card to make the purchase but Mr. XXXX encouraged me to take out the store credit card through Synchrony Bank and I would be given a promotional sale which is 18 months interest free to pay off my purchase. I credited {$3500.00} worth of appliances that day and he calculated my monthly payments as {$190.00}. I paid {$200.00} every month up until XX/XX/2018. In XX/XX/XXXX to my surprise I received an email from Synchrony Bank saying that the promotion would expire XX/XX/XXXX. I then made numerous calls to XXXX XXXX XXXX XXXX and was given the runaround. They put me on hold numerous times and then mysteriously the call was dropped. On one occasion they said that the manager was busy and would return my call. He never did. When I called back they told that the manager was still busy and I should call Synchrony Bank instead because they could not help me. The salesperson Mr. XXXX was always conveniently not at work to take my calls. 
I called Synchrony Bank and they told me that they had nothing to do with the promotional sale and that XXXX XXXX are responsible. I was caught between a rock and a hard place as no one wanted to take responsibility and rectify the problem. I balance of approximately {$1100.00} became almost {$1700.00} and when I paid monthly interest was again added monthly. In order to preserve my good credit I had to transfer funds from another credit card with a lower interest rate to pay off this never ending balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records on my credit report and I sent dispute letter on XX/XX/XXXX. Asking for a letter from the court to prove this is my bankruptcy and I wasn't given proof. Public Record XXXX XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX. And they verified but didn't send me proof from the court.
Product: Debt collection

According to the Federal Debt Collection Practices, the information that this company is false, I have never dealt business with this company never heard of this company that is reporting that a account they are reporting on my credit report saying Open Balance in XX/XX/2022, how is it even possible to be reporting something open a collection, Second I need a Validation Of Debt, Also I need something with my signature also, and last and important this company thats trying to collect anything Ive never heard of this company I have never dealt any business with this company so how did this company get any information on me and that is a violation of the Consumer Protection Act
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts in violation of not reporting XXXX % accurate. XXXX XXXX XXXX XXXX XXXX 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 not later than 4 business days! 
It also states a consumer reporting agency can not furnish an account without my written instructions.
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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX/XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : U.S. Bankruptcy Court : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Account Number XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Mortgage

I had bought a home about 4 years ago. My first mortgage company sold me off to Wells Fargo ( I had no choice in this, I would have objected given the chance ). I had a payment plan with the lender - I paid twice a month, the mortgage split in half, on the 1st and 15th of the month, by electronic withdrawal. 
My job situation changed, and I could no longer guarantee that I had the required amount of money in my account to be withdrawn at the given dates. I called up Wells Fargo, after I had paid the required payment on the 15th, and asked to set up the schedule for the end of the month from now on, from next month on, which the agent agreed to. I made payments since then, every month at the end of the month, never missed a payment, and they are charging me a late fee every time. By now the late fee is close to {$1000.00}. I refuse to pay that, and I am asking you to contact them, which I already have and I was brushed aside. I want to change mortgage lenders, because I have nothing good to say about Wells Fargo - at one point I applied for a program they offered, about looking into my income situation when I was in-between jobs and had to borrow money to pay the mortgage ( still, I never missed a payment ) - and I was turned down because " I didn't make enough money '' ( seriously ). Thank you for your time ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and I have Inquires I do not recognize on my Experian report. if possible, I would like them all removed. alot of them were unauthorized. if you can solve this issue it would be Great. Thanks
Product: Vehicle loan or lease

I have been running late on some of my payments XXXX Santander I calling me on Sundays telling me they are a debt collector I asked them to stop calling me on Sundays and they still continue to call I have never missed a payment with them its been late several times but not more then 29 days late they still continue to harass me. I called them to see if I can skip a payment however they said the loan is not old enough I also asked if we can change my due date and the would not help with that either. They are also charging me over 20 percent interest on my auto loan and late fees if the car payment is not paid on the due date.
Product: Debt collection

COLLECTION BUREAU OF Fort Walton Beach is attempting to collect a debt that was already paid. The company they are trying to collect the debt from has went out of business and the debt collectors are demanding proof of payment. How can I obtain proof of payment if the company does not exist anymore?
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Medical Collection Dispute Confirmation # : XXXX Dated XX/XX/XXXX Dear Sir/ Madam, I refer to the above Equifax credit Report # : XXXX Dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX  ) Insurance Coverage fromXX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.
Product: Credit reporting or other personal consumer reports

I ask him well over 6 months ago to verify the account with proof of contract with my signature by law they have to provide it or delete it off my credit. They are breaking federal law and nobody has hold them accountable
Product: Checking or savings account

I am using Robinhood. They froze my account when I contacted their support team - and wont unlocked it while it is under review. I need the money out asap as I am critically low on funds. They refuse to unlock the account. I dont know what I can do.
Product: Credit reporting

Equifax refuses to speak to me about this by phone intentionally frustrating me in an attempt to get me to go away
Product: Money transfer, virtual currency, or money service

My identity was stolen to create a CashApp account, and I would like it to be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account shows on my personal credit report. Wish to dispute this item as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud as I am a previous victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and corrective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable.

Their dispute resolution process was unfair and deceptive as they did not comply with error resolution compliance under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant financial loss and inconvenience and financial loss, Im seeking appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry XXXX XXXXIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. 

I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. 

I am requesting that this fraudulent inquiry be removed from my Equifax credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. 

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

Request to provide document I sent your company my dispute on XXXX/XXXX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date of Birth?.

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Mortgage

In XX/XX/XXXX, I began construction on a new home and the loan for construction with XXXX XXXX XXXX XXXX XXXX XXXX was secured by both my original home, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri and my new home under construction, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri. 

After construction was complete in XX/XX/XXXX, I sold my original home ( XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX transferred the servicing of my mortgage to XXXX. ( Also, I work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, XXXX paid real estate taxes from my escrow account for both of the properties that secured the original construction loan. They paid {$1000.00} for my current address that secures my mortgage ( XXXX XXXX XXXX XXXX ) and they paid {$1500.00} for the real estate taxes on the property I no longer own ( XXXX XXXX XXXX XXXX XXXX. I contacted XXXX through their secure messaging service when I noticed the error on XX/XX/XXXX and again on XX/XX/XXXX. They replied saying that they would research the problem. After a week and noticing no change in my escrow account, I called XXXX 's customer service line. The representative said that it was an error and that she would forward my complaint to their escrow department to research and the problem would be resolved in XXXX business days. 

I received a message on XX/XX/XXXX from customer service saying that the problem would be researched and would be resolved within XXXX business days. 

On XX/XX/XXXX, I sent another message to XXXX through their secure messaging system. 

On XX/XX/XXXX, I emailed the loan servicing department at XXXX XXXX XXXX XXXX XXXX XXXX to see if they could help to resolve the issue with XXXX. My issue was forwarded to XXXX 's client services. 

On XX/XX/XXXX, the extraneous property was removed from the escrow section on my online XXXX account, but the money that was spent on the wrong real estate taxes ( {$1500.00} XXXX has not been returned to my escrow account. 

I worry that XXXX has no interest in resolving the problem, since I have little recourse.
Product: Credit card

I make my Synchrony Bank Guitar Center XXXX XXXX credit card payment early every month well before the due date, and I pay much more than the minimum amount due. I generally make my payment at the end of the month for the following month, for example, I paid my XXXX bill on XX/XX/XXXX, and I paid {$110.00}. Synchrony bank informed me that I needed to make a payment in XXXX for that payment to count as a XXXX payment, so made another payment for XXXX on XX/XX/XXXX in the amount of {$100.00}, making it two payments in total for the billing period. Synchrony did not apply either payment for this billing cycle, they charged me a late fee of {$23.00}, and they caused me to get a 9-point reduction in on my credit score. After calling Synchrony, they informed me that I must make a payment between the XXXX and XXXX of the month for the payment to count towards the current billing period. It seems like Synchrony bank is punishing me with late fees and bad credit reporting for making my payment too early.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 

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

My ex husband had my drivers license. There's 3 cards on my account 5hat don't belong to me. Obviously the cards thst do you see we pay on time every single month. These 3 cards one is target one XXXX XXXX  XXXX. And I'm not sure they other one it started with an f. I don't remember the name. Look. They have gotten a xar even a house in my name his girlfriend looked a lot like me I can't seem to do anything but suffer the credit or pay thier bill. I'm not paying thier bills anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate information reporting on my credit report for a bankruptcy I also reached out to the courts and they stated we do not report to 3rd party credit reporting agencies. This company tacky behavior is violating my privacy rights, its been over 60 days later and I have not received a response back via mail. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the all listed items from my credit report it has been over 60 days so this item should be deleted immediately. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting

I have disputed the validity and the account status of a XXXX XXXX account several times with XXXX, Equifax and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Equifax completed an inadequate investigation and only sent me a result that stated account verified/closed, charge off. They did not VALIDATE the account was mine. They could not provide an open date or payment history ( both of which I requested ), account info, nothing! Also, Equifax still reports the account open. Even though the account closed XX/XX/2009 and Equifax 's own investigative results determined that the account was closed, yet they still report as " open '' status with XXXX missed payments. Factually inaccurate reporting and inaccurate investigation. The same can be said for XXXX. I filed XXXX separate disputes with XXXX regarding this XXXX XXXX account, and I have yet to receive any type of correspondence from them. I have obtained new credit reports from each of the mentioned bureaus as recently as XXXX XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that XXXX and Equifax have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.
Product: Credit card

I applied for a credit card from synovus bank in XXXX. I received the card and paid the processing fee. I had the card three months and by XXXX, i get notifications that the card was charged off as bad debt. Now, I did not make any payments towards this card. However, an account is supposed to charge off at 180 days of delinquency. Not only did did the account charge off early, but the bank sold the debt to a debt buyer. I believe that this is a fraudulent practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.