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

I am a victim of XXXX XXXX. I mailed in the packet on XX/XX/2024 Priority Express mail along with obtaining a receipt and tracking number ( XXXX XXXX ). Two months have gone by and no word from Equifax. The negative data furnishings are still being reported. I decided to call the XXXX  XXXX  hotline for Equifax at XXXX and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents EIN letter, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Equifax has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  KEEPS REPORTING INFORMATION ON MY CREDIT FILE THAT THEY KNOW DOESNT BELONG TO ME, I HAVE DISPUTED XXXX XXXX AND XXXX XXXX  FOR THE LAST 9 MO AND UPLOADED POLICE REPORTS AND ARREST REPORTS AND FTC REPORTS AND COURT DOCUMENTS AND XXXX  AND TRANSUNION STILL KEEP THIS LOAN ON MY REPORT.
Product: Payday loan, title loan, or personal loan

I have been trying to contact XXXX ( XXXX XXXX XXXX ) regarding a payday loan I took out with them in XXXX of 2017 for months. Every time I call ( which is tough since I work the same time they operate ), I get a busy signal or the line hangs up while I'm on hold. I have also lost the ability to see my loan status on the site as well. I decided to do some research and found that some other people where having the same issue. I checked with the XXXX XXXX XXXX XXXX XXXX and discovered that payday loans are prohibited in state and that XXXX XXXX is not even licensed in my state.
Product: Credit card or prepaid card

I have had a long-standing dispute with XXXX XXXX over my Guitar Center credit card ( account number ending in XXXX ). In XX/XX/XXXX I filed a complaint with you. Please refer to CFPB case no. XXXX. This case is NOT closed to my satisfaction. Synchrony continues to overcharge an account that to my best knowledge and ability should be paid in full. I don't know where the discrepancy originated, but one problem is that Synchrony has records of only three refunded purchases whereas I actually had five. Oddly, both Synchrony and I have records of my account activity, records we both say are directly from Guitar Center. But Synchrony 's are missing one purchase and two returns. And I must add, my GC records predate Synchrony 's by about two years. Yes, I have copies of all these, which were handed to me -- twice in XX/XX/XXXX -- by a GC manager after he researched my entire account activity on his system. On my two visits to this store, in XXXX and XX/XX/XXXX, I was given all of my GC account information -- in hard-copy documents, including transaction numbers, dates, and both purchase and refund amounts -- and this information was consistent to the penny both times ( accounting for my intervening payments ).  Most important, this information also accorded with my own knowledge of what purchases and returns I had made. So, based on this information, I continued making payments on this account until the balance GC showed me was paid. 

Somewhere, somehow, the communication between Guitar Center and Synchrony has failed to accurately track my purchase and return activity. Synchrony refuses to consider this possibility and stands by its own flawed record. 

Now, what's worse, Synchrony has turned my account over to a debt collector, and the reports of delinquency sent to the credit bureaus has made my XXXX credit score plummet from over 800 to XXXX! It is not fair that a financial institution can so easily destroy my financial life while I seem to have no recourse. If this matter involved thousands of dollars, instead of hundreds, I would file a suit against Synchrony, but as it is, that would not be financially practical for me. 

I would just like to point out that, if our situations were reversed and I was the one with a record of only three refunds while Synchrony showed five, NO ONE would reasonably claim that I was likely to possess the more accurate account of the two! The obvious question should be, Where did the other two transactions come from if they're present in only one set of records? And yet Synchrony has made no attempt that I can tell to address this question.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts, hard inquires and activities on my credit report resulting from identity theft. I believe this theft occurred due to my victimization in a serious crime, specifically being targeted by a XXXX XXXX  XXXX, during which my personal information was compromised. 

The fraudulent activity includes the following accounts listed below, transactions, or inquiries you have identified as unauthorized, e.g., a credit card opened with XXXX XXXX XXXX  on dates listed below These accounts and activities were not authorized by me, and I did not consent to their use or creation. 
Inquires Items that are inaccurate or false XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX  XXXX. ) XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX Inquired on XX/XX/XXXX Accounts Items are inaccurate of false. 
XXXX. ) XXXX  Account Number XXXX. ) XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX -Account Number XXXX XXXX. ) XXXX XXXX XXXX-Account Number XXXX XXXX. ) XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX. ) XXXX  XXXX XXXX Account Number XXXX Personal Information Items are inaccurate or false, defamation of character. 

This 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 an account without 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. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THR FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLIANT. TO INCLUDE TO METRO & REPORTING STANDARDS. 

Please remove these items immediately
Product: Credit card

I obtained a credit card from XXXX bank and due to unforseen circumstances the credit card went unpaid and eventually the debt was sold to a collection agency. This credit card was opened more than 7 years ago and it is reflected as negative information on my credit profile. According the Federal Trade Commission no debt can be reported if it is more than 7 years old and in this case it fully applies. I have written directly to the collection agency and they are LVNV FUNDING LLC and they have refused to reply to my letters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX  XXXX was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

I had the opportunity to payback arrears in full and the next day was the deadline. I forgot who I talked to but they told me even though I pay arrears back. They can't guarantee that my house will go into foreclosure. So I had to file for XXXX XXXX bankruptcy and I eventually sold my house to a cash buyer. This process took place through XXXX XX/XX/2019. Please advise XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed I had a late payment on an account that I was never late .For consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum accurancy. I have never been late on payments for the account XXXX XXXX  XXXX. please investigate and provide proof with statements showing that these payments were late. If proof can`t be provided, I demand these payments be updated to ON TIME as they should be as I was NEVER late. thanks!
Product: Credit reporting or other personal consumer reports

My Student loans are paid in full. However, my student loans are as listed at transferred and possible negative on my XXXX or more of my credit reports. Please remove the incorrect information regarding my student loans from my credit reports or correct the information as paid in full. Thank you.
Product: Checking or savings account

On XX/XX/2019, I submitted a complaint to my bank JP Morgan Chase due to a charge of {$410.00} from my debit card which was lost and the bank did not cancel in time. On said date I disputed the charge and asked to issue a new card. The venue which the card was charged was a strip club called XXXX XXXX based in XXXX, WA. The bank credited my account for the sum but on XX/XX/2019 withdrew those funds and gave them to the club in which I never have been. I submitted a fraud dispute with the bank at the time and today XX/XX/2019 found out that the bank Chase debited my account to the venue in which the fraud dispute was made. I tried to call the bank twice to discuss and was issued a new debit card as well but the charge stayed. 

In my dispute and complaint is the bank is committing fraud on my account by siding with said merchant in which is a strip club and known for fraud activity on cards.
Product: Money transfer, virtual currency, or money service

XXXX check deposited {$3.00} XXXX XXXX dollars XXXX XXXX. 6.31.2022.check deposited XXXX XXXX XXXX  dollars. 15 usc 1666d treatment of credit balances. Consumers refund demanded
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reported as FRAUD/IDENTITY THEFT and it is still being reported on my credit report. I have asked for documentation verifying this account belongs to ME, but it is unable to be verified as it was opened online. This needs to be removed ASAP. 
A police report has been filed. 



XXXX XXXX XXXX {$580.00} Date opened : XX/XX/2020 XXXX
Product: Debt collection

I got injured on the job in 2012 and went to the XXXX and had health insurance under worker 's compensation. Everything was covered by my plan however, now I am seeing on my credit report, that they are charging me and my wife {$1000.00} for a debt that was paid for.
Product: Student loan

In  XXXX  of  XXXX , I applied for  IBR. I w as approved for $   XXXX   monthly installments. I was told my past payment history would be ma rked PTD  and the " late payments '' would be removed. They were not.  <P/> In  XXXX  of  XXXX  renewed this option. They denied the application and i called  XXXX   XXXX  and  XXXX   XXXX  of  XXXX  to try to fix this. They forced me to claim 2 months of forbearance for their clerical error.  <P/> On  XX/XX/XXXX  I was suppose to begin making payments of {$35.00}, when I called that same day was forced to take another month of forbearance due to continued errors on their part. Was informed payments would start  XX/XX/XXXX  On  XX/XX/XXXX  I called again for info, according to them my payments were {$94.00} and they lost the signature page. Was then placed on a 60 day administrative hold to reapply  Reapplied for IBR   XX/XX/XXXX  Received bill  XX/XX/XXXX  saying i owe  XXXX  a month received another statement  XX/XX/XXXX saying I owed  XXXX  a month Called  XX/XX/XXXX  and explained all confusion and they rushed the  XX/XX/XXXX  application after trying to force me to again to take forbearance.  <P/> Reapplied f or IBR   XX/XX/XXXX  received notice that the application wasnt approved after they again lost documentation i sent in ( signature page and  XXXX  ). Called and attempted to resolve XX/XX/XXXX  with no resolution.  <P/> They tried to move my monthly payment up from  XX/XX/XXXX  to  XX/XX/XXXX . Called to see if they had finally fixed this  XX/XX/XXXX , and they finally had it all fixed correctly.  <P/> I have document to prove this, just can not attach them from my phone. I am willing to be contacted.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF EDU , XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF EDU , XXXXXXXX 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 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 on those accounts 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, US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF EDU , XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not XXXXomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request for Correction of Inaccuracies on TransUnion Credit Report Dear transunion I hope this message finds you well. I am writing to bring to your attention several inaccuracies that I have identified on my TransUnion credit report, which I recently reviewed. These inaccuracies have the potential to expose me to identity theft and financial harm, and I am seeking your assistance in rectifying this matter. 

Upon reviewing my TransUnion credit report, I noticed discrepancies that require immediate attention. Firstly, the report indicates an address in XXXX, a place I have never lived in or had any association with. This incorrect address could potentially lead to further complications and negatively impact my creditworthiness. 

Additionally, I was unfortunate enough to fall victim to the coronavirus benefits and scams that were prevalent during the pandemic. This fraudulent activity may have resulted in inaccuracies on my credit report, further exacerbating the situation. 

I kindly request your assistance in clarifying and rectifying these inaccuracies on my TransUnion credit report. It is crucial to me that my credit history accurately reflects my financial standing. I believe that by addressing these issues promptly, I can work towards restoring my credit to a good standard. 

Please let me know the necessary steps and documentation required to initiate this process. Your guidance and support in this matter are greatly appreciated. I am committed to cooperating fully to ensure the accuracy and integrity of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your guidance on how to proceed and resolve these discrepancies. 

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

My information was exposed in the data breech. Accounts I do not own have been added to my credit. Such and XXXX XXXX Jefferson Capital LLC, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines. 
XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies  showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.
Product: Credit reporting or other personal consumer reports

i have been trying to reach the reporting agencies and direct with the companies regarding this investigation but now my rights under the FCRA, including XXXX XXXX XXXX XXXX XXXX, have been violated because I have not received adequate proof of investigation or validation of the following accounts I previously disputed via XXXX XXXX. XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX