23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony BankXXXX has been violating my rights as a natural person and federally protected consumer under 15 USC Chapter 41. They have been claiming to be the creditor and claim that I owe fraudulent debts. I am the Original Creditor- Per 15 USC 1602 ( g ). I filed an identity theft report on XX/XX/XXXX ( date shows differently because I printed it out again on XX/XX/XXXX ). I was sent back a letter on XX/XX/XXXX stating that the alleged debt was mine and they couldn't approve my fraud claim ( file attached labeled " XXXX XXXX Exhibit XXXX '' ). I sent an Affidavit of Truth to them via certified mail informing them of the violations ( & proof of each- which are attached ) they have committed that have caused much harm to myself, reputation, and overall quality of life. The Affidavit of Truth was received and I got back the green return slip letting me know it was in the hands of the CFO of the company XX/XX/XXXX. I did all steps needed to exercise my rights and Synchrony Bank/XXXX XXXX not complying. This is not my debt to pay back!
Product: Money transfer, virtual currency, or money service

I have tried time and time again to get my prepaid cards or any other so called prepaid /debit cards deactivated and shut down, but they say there is no account under the name or the SSN I provided. So I don't understand how they can't find my bank or prepaid cards and shut them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

DESPITE DISPUTING WITH ALL 3 BUREAUS FOR THE PAST YEAR ONLY CERTAIN ACCOUNTS HAVE BEEN REMOVED FROM MY CREDIT REPORT. ALL CORRESPONDENCE HAVE BEEN VIA CERTIFIED MAIL, I'VE EVEN WENT TO THE LENGTHS OF HAVING THESE LETTERS PROVING FCRA VIOLATIONS NOTARIZED. PLEASE REVIEW ATTACHED.
Product: Debt collection

This collection is based on equipment that was dropped off to the XXXX XXXX XXXX store over a year ago. I also paid the final bill, so there is no valid debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/2016, I sent a letter to Experian complaining about several inquires that were showing on my credit report. I sent them a letter from XXXX XXXX for a XXXX XXXX inquiry that I never made. In the letter from XXXX XXXX they agreed to remove the inquiry and notify the credit bureaus. Experian still shows this inquiry despite it being over 90 days old and requested to be removed by the creditor. See attached letter as proof. I believe Experian is violating my rights in delaying the removal to purposely keep my score. I demand the inquiry be removed immediately without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an authorized inquiries on my credit report XXXX - XX/XX/XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with CFPB on XXXX complaint number XXXX. 
Complaint was for fraud wire transfer by a company. 

Company responded with its final answer exactly on the 60th day. 

The answer said they contacted me, they never did They also said they contacted the merchant when they could not have since the state of Wisconsin put them out of business for their part in this scheme. 

Then the second part of the response states that their fraud department is still working to resolve this matter. How can this matter be considered closed by.the CFPB? I have been going in circles with these people and they respond to the CFPB with this sort of answer and you just close the investigation? 
This matter is not resolved when the company clearly states it is still investigating the matter.
Product: Credit reporting or other personal consumer reports

improper use of my personal information since 2020 also discrimination to my profile that has stop me from participating in credit transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are criminal charges on my report that I was not charged with and dismissed. I have contacted my attorney for this is very upsetting and not accurate information and is very harmful to be put on a credit report when not correct. I am very upset and dont understand how anybody has the right to put anything criminal that was dismissed.
Product: Credit reporting

I have had nothing but denials from Eqifax , Inc. attempting to dispute credit information on their dispute website. Each time I try to identify myself, on their automated system, it will ask ridiculous questions regarding credit information. I answer the questions correctly. Each time it indicates it can not " identify me ''. Here is an excerpt from their page. 
" Great! We 've found your fileNow we just need to verify you are accessing your own file. The following questions are based on information on your file, and only you should know the answers to them. 
1. Your credit file indicates you may have an auto loan/lease, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX OF THE ABOVE2. What is the total monthly payment for the above-referenced account? 
{$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - {$940.00} {$950.00} - $ XXXXNONE OF THE ABOVE3. Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ), opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX OF THE ABOVE4. What is the total monthly payment for the above-referenced account? 
{$750.00} - {$790.00} {$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - $ XXXXNONE OF THE ABOVE '' I answer all of the questions correctly. I have gone through this process XXXX separate times. 
Each time I get the following message : '' The information you provided does not match our records so we are unable to process your request online. " " Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " Equifax HAS this information ON FILE. This was completed several months ago. It was explained to me it would never happen again. They admitted they had transposed my social security number. Equifax should be held accountable for their egregious business practices. Any assistance with this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) XXXX/XXXX
Product: Student loan

My loan is being serviced by XXXX Account # XXXX Originally the loas were with XXXX XXXX and XXXX. Both companies failed to properly provide counsel regarding loan consolidation and the current company is calculating my payment using my gross payments.
Product: Debt collection

I took out a loan for XXXX originally with XXXX XXXX I made weekly payments on this loan until I could no longer do so... I managed to pay down the loan to XXXX approximately. I asked if I could restructure my loan but was denied. It was then I went to a debt resolution company ( XXXX XXXX XXXX ). I have been making payment of XXXX monthly to them for 7 months to this debt. In that time XXXX XXXX turned over my account to the Aubrey Thrasher XXXX XXXX  which has been making threatening emails, phone messages and now contacting family members ( wife ). The person doing this is XXXX XXXX Case Manager Office : XXXX Direct : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX www.aubreythrasher.com I fully to pay my debt XXXX XXXX I was just seeking some flexibility from them which I did not recieve. Thank you for your help. 

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

I am writing to formally dispute inaccuracies in the personal information associated with my credit report and to request an immediate update to my credit file. I have already submitted the required documents to Equifax, including a copy of my Social Security card, Drivers License, and other official documentation to correct my name and other personal information, as requested by Equifax. This documentation was also sent in relation to the account reported by XXXX XXXX XXXX. 

Despite submitting the required documents, my credit report has not been updated, and I am unable to obtain an accurate credit score due to these discrepancies. This issue directly impacts my ability to maintain accurate records and to assess my creditworthiness. Please see below for the relevant statutes and requirements for compliance : 1. Metro 2 Compliance Accuracy of Personal Information : Under Metro 2 compliance standards, credit reporting agencies and data furnishers are required to ensure the accuracy of all personal information reported, including name, Social Security number, date of birth, and address. The continued inaccuracies in my credit file violate these standards, as Metro 2 outlines specific procedures for verifying and correcting consumer data to ensure proper reporting.

Failure to update my personal information based on the documentation I have already provided is a breach of the Metro 2 guidelines for accuracy and presents a significant barrier to my ability to obtain an accurate credit score.

2. Violation of 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The failure to update my personal information after submitting the correct documents violates this obligation under the FCRA. As my credit report contains inaccurate information, it does not reflect an accurate picture of my creditworthiness, which further delays my ability to obtain an updated credit score. 

3. Request for Immediate Update of Personal Information and Credit Score : Given that I have already provided the required documentation, I request that you immediately update the following personal information on my credit report : Correct Name Correct Social Security Number Correct Address ( if applicable ) Additionally, I request that you provide an updated credit score once these corrections have been made, as the current inaccuracies prevent me from obtaining a valid and accurate credit score.
Product: Student loan

On  XXXX   XXXX    XXXX   I contacted  Navient  in order to try lowering my monthly payment as it jumped from  XXXX  to  XXXX  in a month. I could n't afford this new amount. I spoke with a representative in order to take care of this. I was told I could consolidate the  3 loa ns within the company for a lower interest rate, lower monthly payment but it would extend my loan in years. I was fine with that, I agreed to a payment of {$62.00} a month. I was informed that I qualified for this program and that I would have to m ake 3 consecut ive monthly payments of {$62.00} in order to stay in the program. On  XXXX / XXXX /  XXXX  , I logged into my bank account to see that not only did the {$62.00} come out of my account, but also the amount of {$200.00} that as my previous payment amount that was suppose to be discontinued. When I called  Navient, each  person told me something different, I finally spoke to someone and they were going to send an email to their boss to get my {$200.00} overpayment deposited back into my account, as the review of my account showed the person on  XXXX / XXXX /  XXXX   was suppose to cancel the  XXXX  payment. I logged into my  Navient  Account on  XXXX / XXXX /  XXXX   and the prior payment plan was still in effect. So I calle d Navient once again . They had then told me that I never actually was enrolled into a program, that the lady I spoke to a month prior just created the payments. Okay so now I am confused as to what really happened. Spoke to numerous people and then finally to  XXXX , who informed me that the employee just created payments, that i never got qualified for this new payment plan. Okay so I ask as how to lower my monthly payment, she tells me there is no way in which to do that and that my payment instead of {$200.00} will now be {$230.00} a month once again upping my monthly payment  again, 3  time in 3 months. They refuse to help at all, each person makes an excuse for the prior person. I have never had a problem with a loan company before as I have with Navient, I do n't feel that them continuing to up my monthly payment each month to satisfy them is fair to me as the loan holder. I do n't know what else to do at this point.
Product: Student loan

Denied for loan approval, interest rates extremely high, school closed, unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX experian, and XXXX by phone and have received no help.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX  Account # XXXX, Experian Account # XXXX, XXXX Account XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

My name is XXXX XXXX you guys have been trying to collect a debt that was obtained fraudulently. I have never resided at this property. I have provided proof of me residing in a completely different unit during this time. I have not nor have I ever resided, lived, visited, applied to this apartment complex. This is IDENTIY THEFT. Please remove off my credit or this will be taken a step further, and legal action will be taken. I have attached a lease during the duration they claimed I lived at this apartment, my ID, as well as a fraud affidavit. Please remove this. This complex has no proof that I signed anything, showed up with my ID, provided proof of anything. Remove this off my credit as this is hendering me from moving anywhere, and it's unfair. Once again, legal action will be taken if this isn't removed.
Product: Checking or savings account

Hello. On the night of XXXX XXXX XXXX, criminals broke into my car and stole bank cards : 1 Bank of America business debit card , 2 Bank of America personal debit card , and 3 Bank of America credit card . Also one international card of XXXX, and an EBT card. On XX/XX/XXXX, Bank of America called me and informed me that a passerby had found my card in the parking lot in front of the bank. On the way to the bank, I discovered that all the cards were missing. Thats how and when I realised that the cards were stolen. I filed a claim with Bank of America because all the money that was on my Bank of America debit cards was withdrawn through ATM cash at a Bank of America ATM and XXXX XXXX in XXXX. Though, I never received any notifications either by phone or by email when the money were being. The bank told me that there was no need to contact the police, since the bank itself would conduct its own investigation, study the surveillance cameras and return the money. But when I arrived home, I still called the police, who opened a case. Today, XX/XX/2024, I received a letter dated XX/XX/XXXX stating that the money will not be returned to us on the basis that : The charge was authorised by you or made by someone who has permission to use the card or account. I perceive this decision as an accusation that I myself staged the theft of my cards. I consider this decision as an insult and a false accusation. I ask you to intervene in this situation and influence the banks decision in my favor. because the bank failed to protect its security system and my personal data was hacked. It was from the cards of this bank that the amount of {$2100.00} was cashed out and purchased.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute information in my consumer report provided by your agency. Upon reviewing my report, I discovered non-public information about me has been disclosed to a non-affiliated third party without my written consent, possibly violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure raises concerns about my privacy rights, as I was never given the option to opt-out, as mandated by law. 

I observed that certain accounts, specifically those associated with [ Creditor Names ], are being reported without my written consent. I want to clarify that my dispute lies with your reporting agency for disclosing and reporting information without proper authorization, not with the creditors. 

Referring to 15 USC 1681b - Permissible Purpose, I note that a consumer 's written consent is required for the reporting of personal information. To date, I have not provided such consent, and I request proof of my consent to ensure compliance with this legal requirement. Failure to provide this evidence could be considered a violation of my FCRA rights. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter, with complaint reference number XXXX. I believe the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, akin to identity theft. 

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request the removal of the unauthorized inquiries from XXXX XXXX XXXX XXXXXXXX on the following dates : Inquiry date XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XXXX XXXX, XXXX I assert my right to a fair and accurate credit reporting process, and I believe prompt removal of these accounts is essential to rectify reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and proof that I was given the option to opt out of the reported information. This ensures your reporting agency adheres to necessary standards for accuracy and fairness in credit reporting. 

I expect your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with FCRA provisions may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

Comentity Bank/XXXX XXXX was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
Product: Credit reporting

I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Product: Credit reporting

I just got my XXXX Credit Reportand noticed bills for XXXX loans that have been sent to collections. When the losns were paid out I was not even in XXXX because I was XXXX. I only attended XXXX XXXX before I was XXXX and I was told that I never receives a disbursement. What can I do about this? I do not see this as fair at all and it looks lioke a huge ding on my report. I believe that this should be definitely removed from my record.
Product: Debt collection

I have a charge off from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00}. This account was sold, to my knowledge, to Allied Interstate collection agency as far back as XX/XX/2019. I am in the process of paying this debt in full with Allied. At the present time XXXX is still reporting on my credit report that I owe them after sending numerous certified letters.