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

An application for business credit was applied for using BUSINESS credentials -- not personal information was inputted into this application ( i.e., SSN ). XXXX allowed Synchrony Bank access personal information for a business credit card. Synchrony claims that based on the terms of the BUSINESS APPLICATION that they were authorized to check personal credit, but this is NOT the case if the only credentials you have on the APPLICATION is the EIN of the BUSINESS and not the SSN of the personal applying. XXXX allowed access of my information without having proper authorization, and Synchony Bank instead of aborting the application process infiltrated my privacy by prying beyond what they had access to. They need to provide the actual application and not just the terms of a generated web TERMS and AGREEMENT document. A denial letter is attached whereby SYNCHRONY BANK checked MY PERSONAL CREDIT FILE WHILE HAVING NO SSN on their application to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just now understanding the adult world because Im mentally exhausted trying to fix my credit since Im not the most super smartest person because I wasnt taught how to manage my credit and consumer.. I need these account removed or deleted Repos Credit cards Credit repair services Credit reports and other personal consumer reports Debt collection Payday loans Personal loans like installment and title loans Prepaid cards Student loans Vehicle loans or leases
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$9700.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$750.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1500.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with PORTFOLIO RECOVERY ASSOCIATES LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, PORTFOLIO RECOVERY ASSOCIATES LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Payday loan, title loan, personal loan, or advance loan

{$50.00} loan taken out online earlier this month with a {$5.00} instant fee added.Im paid on the third of the month.Found out that instead of paying it back on XXXX XXXX, it changed to 15 days.Texted Albert Co. and was told my subscription was canceled and I would pay it back on XXXX XXXX.Today XX/XX/XXXX they withdrew {$12.00} from my bank acct to partially pay it back that shouldnt have occurred.Text today and requested the {$12.00} to be refunded XXXX was informed they cant do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the CB 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX XXXX IS NOT the US Bankruptcy Court.

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear XXXX, XXXX XXXX and Experian I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible. 

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. 
however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car!
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Equifax located in XXXX, GA., XXXX located in XXXX XXXX, FL., and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Checking or savings account

On Monday, XXXX XXXX XXXX, I tried to get a passcode from M & T Bank, to access information about my bank accounts, instead of having to provide the first 5 digits of my Social Security number. I did this on the advice of the local police department, which advised citizens to take this action in light of the XXXX hack. I spent hours on the phone and even visited a local branch of my bank. I was given wrong or contradictory information on the phone and in the bank and was kept waiting on the phone and in the bank for inordinate amounts of time. I never was able to register my concerns about bank security or get a passcode. 
On Wednesday, XXXX XXXX, I phoned my Congress member 's local office to ask for their help. They tried to contact the appropriate department of M & T Bank but were also given a run-around. I 'm very concerned that an identity thief could easily gain access to my account information via the bank 's automated customer service on the phone, and the bank appears to be completely unconcerned about this big hole in its security system. M & T Bank should stop using social security numbers as identifiers and provide any customer that asks for one with a passcode. It 's also frustrating that the bank systematically conceals contact information from its customers, making itself inaccessible and unaccountable. It 's impossible to find relevant phone numbers for its security office on its website or from phone customer-service personnel. Because of the XXXX hack, the bank should take action to correct these problems as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX  XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX is a unknown debt collector who misrepresents herself as an attorney for the consumers debtor Nationstar. XXXX is not an attorney when attempting to collect a debt the consumer, creditor and Principal is due. Nationstar and XXXX filed a masquerading Foreclosure action attempting to seize the Lender, creditor, individual loan originator and secured Party consumers assets. A action of this type is also an foreclosure against the United States of America since it involved instrumentalities of interstate commerce.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items.The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting

I tried to purchase my report online and received error codes that a report could not be furnished. 
Called for customer service and they were also not able to get a report online for me. 
Sent ID documents as requested. 
They orally confirmed my ID was fine. 
Again tried to purchase credit report and did not work. 
Called customer service again and after 8 attempts they were not able to generate a report for me either. 
They had no answer or explanation. 
I was denied credit and then tried to use phone system to get a free report, but I got message that the automated system was down. 
I then attempted to get a free report online and it would not generate a report either. 

So I ca n't buy or get a free copy of my Equifax report and I have been trying for over a month. 

Each time they try to process a payment for a report I ca n't get, it puts a hold on available credit on my credit card and I need that credit available.
Product: Credit card

I reported unauthorized charges that was made using my credit card. I explained that my card had been lost. Capital one immediately closed my account says it was due to fraud, I tried to contact Capital one and explain that my card had been lost. I've been trying to get on a payment plan to have a lesser monthly payment, and Capital one refuses stating I'm ineligible, I've been on a medical leave from work and struggling to pay the monthly amount, I understand that payment solutions are available to Capital one customers, and I'm being discriminated, and I've still don't know why my card is closed. Customer service has been very rude and only thing they tell me is no offers apply to me.
Product: Checking or savings account

I have a charge off on my credit report from XXXX XXXX XXXX XXXX FOR XXXX . I  have paid off through sarma online on XXXX XXXX,2017. I have called sarma and they state account with XXXX XXXX XXXX XXXX will be updated the XX/XX/XXXX, was not done. I called sarma again and they stated they will email XXXX XXXX letting them know I have paid off, called XXXX XXXX and they stated they are still waiting on Sarma. I am in the middle of purchasing a house and I am getting no where with these two companies. I have even faxed the receipt over to XXXX XXXX XXXX XXXX showing I have paid and still no updates on my account nor credit report. Last option.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : FOURSIGHT Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in 2024 access to the National Public Data Systems. 
Thank you for your prompt attention to this matter please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

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

Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX- total visa XX/XX/XXXX XXXX XXXX XXXX Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00}
Product: Debt collection

I was contacted by CREDIT COLLECTION SVCS via mail about wanting a full payment or arrangement immediately for {$740.00} XXXX XXXX XXXX XXXX, MA XXXX They let me know they had my XXXX in collections, which I hadn't heard anything from anyone in years about, especially because it was covered by health insurance I had at the time, telling me they're going to take action and my credit would be affected and I know they also contacted my father, which no one had permission to do nor did his number ever get submitted on any account by me, so I don't know how they even acquired his number. I never knew or gave permission for my information or account to be sold off. according to 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communications. In reporting to my consumer report, that's a form of communication and also I never knew or provided permissions.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit card or prepaid card

In the past five years, I have applied for a credit card from Citi Bank ( Citi Group ) three times. I have been denied each and every time for no reason. They have sent me a letter of denial with ambiguous response and violated my rights to a Fair and legal consumer trearment. My Credit score has been excellent throughout my life ( over 800 with all three major credit agencies ). They had even sent me a letter a couple of years ago with rude comments and accusations. 
I have currently have many credit cards from largest financial institutions and banks. 
It has bothered and puzzled me through last five years why Citi Group is treating me like a second class citizen and violating my consumer rights by denying me credit, while many other banks have offered me and are doing business with me! 

I can only conclude that Citi Bank is a racist entity and their decision of denial is based on my race and national origin. 

Bests Regards, XXXX XXXX XXXX Timber XXXX XXXX Loxahatchee, FL. XXXX XXXX
Product: Credit card

I used a credit card for one single transaction on PayPal and they subsequently attached this credit card to XXXX other transactions over a seven-week period as a " backup payment source '' for each of these transactions. I never authorized this card to be used for this purpose and repeated calls to PayPal brought only their response that nothing could be done to correct it.
Product: Credit card or prepaid card

I worked hard to pay off debts and remove inaccurate information from my credit report. My credit report is showing I dont have any collections and I still can not get a credit card due to a card I settled with in the past. I made a mistake I was XXXX in XXXX  XXXX  and didnt understand the importance of credit. I made a mistake and I corrected my mistake. I just want another chance with this great company. I feel like I shouldnt be punished for a mistake I corrected. I have XXXX collections/charge offs.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent coinbase {$2500.00} via domestic wire to fund my account. 
The account was supposed to be funded within a few business days. Account was not funded XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. Received reply. Told to wait. 
XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX :  Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. Received reply. Told to wait. 
XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX: Contacted coinbase about the problem by opening support case. No reply from coinbase
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/year> and found some addresses that appear to be incorrect. 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. 

Please delete all names and addresses other then the information below My full name is- XXXX XXXX My full address is- XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX My phone number is XXXX Please delete all other address and names and update report