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

I am writing to file a formal complaint regarding fraudulent and inaccurate information on my credit report as a result of identity theft stemming from a data breach. The details of the affected accounts are provided below for your review and immediate action. 

Details of Complaint : I have identified the following items on my credit report that are fraudulent and request their immediate removal : XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

U.S. Department of Education Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

Requested Action : Pursuant to section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you : Block the fraudulent information listed above from my credit report. 

Notify all furnishers of the fraudulent information promptly. 

Supporting Documentation : Enclosed with this complaint, you will find : A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the FCRA, which mandates blocking fraudulent information on credit reports resulting from identity theft within four business days and notifying furnishers of the same. 

A copy of my ID And SSN card for varication And a bill to verified my address. 

I appreciate your prompt attention to this matter and look forward to your reply. Please confirm receipt of this complaint and provide an update on the resolution timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out dispute letters to TransUnion in regards to unauthorized and falsely reported items being reported on my credit report. It has been well over 45 days and I have yet to receive any information on the results of their investigation. According to the FCRA failure to provide any information after 30 days, the items must be deleted.
Product: Credit reporting

I am attemtpting to dispute a hard inquiry that I did not authorized on XXXX/XXXX/XXXX. 
ALLY FINAN I XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL, INC XXXX XXXX XXXX XXXX, MN XXXX XXXX I researched this company and it states that it is in reference to an auto loan in which I have not need for at all and currently am not looking for any auto loans. It is old that it popped up a day after logging into 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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Debt collection

I need to address an issue with a collection account on my credit report that has already been fully paid. Despite settling the debt, this account is still being reported, which is unfairly harming my credit. As per credit reporting guidelines, once a debt is resolved, it should no longer appear as an active collection.
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX XXXX and I found inaccurate information on my credit report.The following is what I found... 
On Experian there is a company called XXXX XXXX XXXX with a balance of XXXX Account details Account XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Closed XXXX Individual High Balance {$3400.00} Unpaid Balance {$3700.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX On XXXX reporting I found XXXX following... 
Collections XXXX XXXX  A Reported : XX/XX/XXXX {$5900.00} Current RatingCollection/Charge-off Account details Account XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX A Status Open Type Individual High Balance {$5900.00} Unpaid Balance {$5900.00} Collection agency XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX I found on my XXXX report was the following... 
Account details Account XXXX Date XXXX XXXX, XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX  Collection XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} Account details Account XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ( XXXX ) XXXX The acts I have taken was talking to a credit professional for consulting. I was instructed to contact this agency ( CFPB ). I found that these agency that misreported on my credit report is violating my rights. 
My Legal rights states as follows... 
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 an 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 or other personal consumer reports

Subject : Notice Regarding Discharge of Debt Under HJR 192 and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of House Joint Resolution 192 ( HJR 192 ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge. 

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Under the authority of HJR 192 and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file.

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected.

15 U.S.C. 1681c : The right to request the removal of obsolete information. 
To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt of this notice.

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

Thank you for your prompt attention to this matter.
Product: Credit card

On XXXX XXXX my bank do America credit card was cancelled by the company. However, the company charged me for fees on an account/credit card with no balance. My credit score has now dropped over XXXX points as Im trying to settle up a mortgage. I was improperly charged fees on a credit card I had no balance on and my credit score has suffered because of this.
Product: Credit reporting or other personal consumer reports

Experian, TransUnion and equifax According to the FCRA section 605B, it is illegal to report anything on my credit report without my permission. I have contacted and mailed these companies numerous times and requested to have these account investigated thoroughly. Without correspondence and computer generated results, my credit has suffered tremendously without proper help and unfulfilled legal request. I ask to please remove these negative items immediately. The accounts listed do not belong to me and I am victim of fraud. I have also submitted a fraud report and continue to be overlooked and denied my rights. Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit report I filed a dispute with XXXX  for a debt held by Jefferson Capital Systems in the amount of {$2400.00} from XXXX XXXX. I filed the dispute on XX/XX/XXXX. About a week later I spoke to a representative from Jefferson Capital Systems pointing out that the debt was fraudulently linked to me. I have never had XXXX XXXX as a service provider. Additionally, the other address they referenced was located in West Virginia. I have never lived in nor visited West Virginia. I also do not have any family in West Virginia. Over the phone, the representative noted that she would add that I said that the debt was not mine and that they would no longer contact me. 

I received a letter from Jefferson Capital on XX/XX/XXXX regarding the debt. The letter indicated that if I did not reply in writing to the letter within 30 days, they will assume the debt is valid. Because they did not indicate the proper address to send the letter to, I sent letters to the following address on the letter I received : XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, MN XXXX Additionally, on XX/XX/XXXX I attempted to call their offices at XXXX CDT since their website said they were open until XXXX CDT. Upon calling I received notification that no one was available to answer calls. 

I disputed this debt a few years ago and it was removed from my credit history. However, I'm assuming it was resold to Jefferson Capital who is now attempting to collect the debt that had already been cleared from my history.
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 : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number 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 or other personal consumer reports

These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit specialist. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/year> XXXXXXXX XXXX XXXXS ( Bank ) XX/XX/year> XXXX
Product: Debt collection

I requested validation of debt with a debt validation letter dated XXXX XXXX, 2017 and I received no signed contractual obligation to validate the debt is mine from Compass Bank. It is still showing on my credit report.
Product: Credit card

In XXXX I applied for the Amazon store card with synchrony bank as they were offering a {$100.00} gift card in exchange. Not even a month later I get an email that showed a balance of $ XXXX despite the fact that I hadnt even received a physical card, nor had EVER used the credit card. I called synchrony immediately and was told they had a {$0.00} fraud liability policy and that she was going to file the dispute for me over the phone. I even got a follow up email from them. To my surprise one month later in XXXX, I got a bill for {$980.00}. I called, yet again and was told it could take up to 90 days. I was annoyed but agreed. In XXXX the 90 days had surpassed and I got a phone call asking to collect an overdue payment. I called once more, was transferred three times and when placed on hold for 15 minutes the call disconnected. No one ever tried to call me back. I called again last week finally reaching an account manager who claimed I only disputed {$100.00}. I was in tears. I had been calling them every few months and was told the claim was still being investigated just to have XXXX tell me theres no documentation of fraud. He was so beyond rude and threatened to hang up on me. He then asked me so which purchases are fraud? I told him i had no clue what this person purchased only that when i first called 6 months ago, I was told it was one {$400.00} and one {$500.00} purchase made. He then said theyd send me a statement so i could dispute the individual claims and I have received NOTHING. They claim to record the phone calls for training purposes so I asked him to review my phone calls that would solidify my claims and he laughed and said yeah, no. Synchrony bank is disgusting and looking at the other 488 complaints made in the last 6 months, pertaining to similar issues, they should be shut down. I worked so hard to raise my credit store and am STILL taking hits to my score today. I filed a claim with the XXXX  and will be involving an attorney if this isnt resolved before the new year, Please help me.
Product: Checking or savings account

XXXX submitted a loan application to refinance house ( Just him on application ) to Wells Fargo. During application process he DID NOT provide banking information. Due to not do not bank with Wells Fargo, he banks with XXXX ( I bank with WF ).

Few weeks into the process, we get a request asking for my credit card statement because they went through my WF bank account and need to verify who is the person listed on this account. We did NOT authorize WF to review my bank account.

I have the a copy of the credit application, where the financial institution portion is blank.

At no time did we provide them with my banking information, nor did we provide consent to access my banking information.
Product: Debt collection

DISCOVER BANK contacting me in regards to an account that's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute falls under several categories. I had fraud on an active XXXX account. My identity was stolen and a vehicle, credit card and numerous other trades were compromised or opened without my authorization. I have file police report etc and this account was dormant with no activity for years. Now its showing charged off. I dont owe it however to close on my home I paid it at closing in XXXX. The reporting is inaccurate.. didnt owe it because it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit score over 800 for over 30 years. I have history of making 100 % payments on time throughout my life. 

I was very XXXX XXXX XXXX and made a payment to XXXX XXXX that was received after the due date of XX/XX/XXXX, but within 30 days. 

I called XXXX financial services. They said they automatically send information to the credit bureaus when a payment is late. They advised I dispute the charge with the credit agency. 

I sent a dispute to XXXX and Transunion. 

XXXX took the late payment off my record and reinstated my score of XXXX. 

Transunion rejected my appeal. They dropped my credit score from XXXX to XXXX on XX/XX/2021. On XX/XX/XXXX they dropped my score another XXXX points to XXXX because I used 7 % of my credit limit!! 

As of today my credit score with XXXX is XXXX. Which is accurate. 

My XXXXredit score with Transunion is XXXX which is outrageous and inaccurate.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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 or prepaid card

I enrolled in paperless statement, however, I never receive email regarding my statement and amount due. 

I got a paper statement XXXX XXXX and saw that 2 late charge of {$32.00} and also {$27.00} on my {$34.00} purchase. The site did not allow me to do any automatic payment and I do n't think this is fair to me collecting late fee much over than my purchase and without sending me any statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account Number XXXX is only reporting on my Experian credit report. This account does not meet the XXXX XXXX XXXX in that it is only reporting on Experian. e-OSCAR dictates that all three credit reporting agencies meet uniform alignment. 

I have filled numerous disputes of inaccuracies regarding this alleged account with Experian. However, my disputes have not been respected and my information not preserved in an integral way. Furthermore, the systems and laws have also not been respected when it comes to preserving my personal and financial information. In addition, Experian took more than 30 days to investigate and respond to me about this alleged account. When they have, they failed to fix any errors. 

I request CFPB to intercede on my behalf for a speedy resolution because this oversight is affecting me financially, as well as my mental well-being. 

Attached is evidence of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to the Credit Reporting Agencies requesting that the Credit Bureaus conduct another investigation on my Credit Report and verify the information being reported by the Accounts on my Credit File. I am frustrated and feel there are many errors that are still being reported on my personal Credit File. The Credit Reporting Agencies are required to validate the disputed Accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable for the Credit Bureaus to continue reporting the disputed accounts without providing me any proof of verification within the time period allowed by law. I am submitting this CFPB complaint to remind the Credit Reporting Agencies to verify the accounts being reported on my Credit report and correct or remove any erroneous accounts from my Credit report : XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have contacted LENDMARK on XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and LENDMARK, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to LENDMARK to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.