23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I informed Synchrony Bank/ JCPenny that I lost my job after being XXXX in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called XXXX XXXX XXXX XXXX after I was served with papers at my home informing me that they were representing Synchrony Bank in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've removed this account before and it showed up again. I sent a dispute over a month ago and Equifax still confirmed it even though its not my account and they removed it before thanks.
Product: Debt collection

I have been fighting with this collection agency for the past 6 months. SECURITY CREDIT SERVICES has reported to the 3 credit bureaus that I owe {$5500.00} with an account # as XXXX. I asked for proof and was provided some contract that does not have my wet signature & has some forged signature as well as a bogus payment history from my bank debit card that was reported stolen. My bank card/debit card was compromised and reported stolen which is the same card this company is showing was charged for their merchandise. My bank XXXX was able to refund me the money stolen from my account as it was investigated and proven stolen. I have tried several times to reach out to the company both written and verbally. I have also been harassed by this company with phone calls. Because of this being placed on my report It has ruined my life as I am not able to purchase a home. I have not been able to sleep and am suffering from XXXX due to the harassing phone calls. I am presently seeking legal action against the collection agency thus why I have filed a complaint with you the CFPB. I have exhausted all attempts at rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the Credit bureau Transunion, XXXX, XXXX that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later Transunion and XXXX decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank youXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft has happened to me. These charges mentioned in the Identity theft report were not supposed to be in my report. I did not make them. Under 15 USC 1681c-2, I meet all of the conditions for blocking and removing information from my consumer report. I reserve the right to file a lawsuits against you for violation my consumer rights.
Product: Credit reporting or other personal consumer reports

I made a payment on XXXX XXXX XXXX  they automatically take the payments from my bank all the time. transunion they doing a innacurate report on my credit report damaging my report. they took off XXXX points that's insane for something is inaccurate for payment of XXXX and I called the company and they told me I don't own anything the I'm a head with the payments for a month. according to " 15 us code 1681B '' Permissible purposes they didn't it without my Authorization and " 15 us code 1681A late payments are illegal to put on the report. is fraudulent inaccurate I didn't authorize these inquiries please get this update thank you so much for your help. is not right they don't go by your rules
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information on my Equifax credit report. Under XXXX U.S.C. XXXX ( Section XXXX of the FCRA ), I have the right to a thorough reinvestigation of disputed items. However, Equifax has failed to conduct a legitimate investigation, violating my consumer rights. 

Disputed Items : [ List each inaccurate item exactly as it appears on your Equifax report, including the account name, number ( if applicable ), and specific dispute reasons. ] Equifax has engaged in deceptive practices by conducting superficial or automated investigations instead of performing a real, meaningful reinvestigation as required by law. The Consumer Financial Protection Bureau ( CFPB ) has recently sued Equifax for its failure to handle disputes properly, proving a pattern of noncompliance. I demand that Equifax follow federal law and : Conduct a real, independent reinvestigation of the disputed items, not an automated or pre-scripted response. 
Provide me with all documents, communications, and verification details used to validate the disputed items. 
Immediately delete any unverifiable, inaccurate, or outdated information per FCRA guidelines. 
Provide me with a free updated credit report reflecting any corrections made. 
Failure to comply with federal law will leave me no choice but to escalate my complaint to the CFPB, Federal Trade Commission ( FTC ), and possibly seek legal action. I expect a written response, along with evidence of proper investigation, within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Sold my house and paid mortgage off in full with shell point mortgage servicing company; received statement from them, closing letter, and a check for overpaid interest afterwards- but they're reporting my mortgage as delinquent which is negatively impacting my credit rating. 

Just want the delinquency removed
Product: Credit reporting or other personal consumer reports

Please delete this account immediately because it contains inaccuracy in its information According to the ( FCRA ) 15 U.S.C. 1681, it is vital to report with accuracy and fairness. On my consumer report, Equifax is reporting a current balance {$7000.00} this month and last month was {$6700.00} and monthly payment of {$140.00} how is it that {$140.00} increase different on every monthly payment basis and I'm confuse that XXXX have no documentation of this account shouldnt all consumer agency have the same reporting information? 

I have not been presented with evidence in accordance with the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( mo ) 281 SW 715,719. Consequently, I am presuming the absence of any documentation supporting the alleged debt.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding several accounts that are inaccurately reported on my credit report with Experian. These accounts include XXXX XXXX XXXX XXXX ( Account XXXX ), XXXXXXXX XXXX XXXX ( Account XXXX ), XXXX XXXX  ( Account XXXX ), XXXX  ( Account XXXX ), XXXX XXXX XXXX Account XXXX ), XXXX  XXXX XXXX Account XXXX ), XXXX XXXX XXXXXXXX XXXX Account XXXX ), XXXX XXXX XXXX XXXX Account XXXX ), XXXX XXXX XXXX ( Account XXXX ), and XXXX XXXX XXXXXXXX XXXX Account XXXX ). These accounts either reflect inaccurate, outdated, or unverifiable information that does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have previously disputed these accounts, with the companies either failing to respond or requesting additional personal information, which I have a legal right not to provide under the FCRA to prevent the possibility of identity theft or fraudulent activity. I mailed a dispute letter to Experian on XX/XX/year>, and to date, I have not received a proper response within the 30-day period mandated by FCRA Section 611 ( a ), which legally obligates credit reporting agencies to investigate consumer disputes. I am now requesting the removal of these accounts from my credit report due to their failure to comply with federal law in verifying these debts. Immediate corrective action is necessary to resolve these inaccuracies and restore the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : TRANSUNION Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody named chexsystems inc is telling people to not give me a checking account, I did not authorize this chexsystems to collect data on me or to report on me
Product: Credit card or prepaid card

Chase seems to be systematically trying to save money at the expense of their cardholders ' credit scores. I  have a  ( 1 ) Chase Freedom card and an ( 2 ) Amazon Prime [ Chase ] card and my wife has a different ( 3 ) Chase Freedom card that I am an authorized user on. Three times in the last 6 months my wife and I have been  notified that we were delinquent on our credit card payments and the reason is that we never received statements. Why did we not receive statements? Because, as Chase said to me over the phone in  XXXX   2017   ( I think ), I must have signed up for Paperless Statements on my Amazon Prime [   Chase ] card. I explained to them that the way I do my monthly bill payments, I MUST have a paper statement sent to me and that I would have NEVER EVER agreed to or signed up for paperless statements. Next came my wife 's Chase Freedom card  which we were informed had a delinquent balance in  XXXX  or  XXXX  of  2017 . Same ca ll to Chase, same response from Chase. No w today,  XXXX   XXXX ,  2017 , I received a text from  Chase about MY Chase Freedom card being delinquent. Same call to Chase, response from Chase rep was that he did not understand how it could be possible that I was switched to paperless statements without my approval because that was the only way ( to his knowledge ) that one 's account could be switched from paper statements to paperless. Coincidence? ... ..three times? I do n't think so. Th is is fraudulent and I hope that CFPB can do something about this. CONSUMERS BEW ARE OF CHASE 'S FRAUDULENT BUSINESS PRACTICES. I 'M SURE THAT I AM NOT THE ONLY ONE THIS HAS HAPPENED TO AND THAT I AM NOT THE ONLY ONE WHO HAS MADE A COMPLAINT ABOUT THIS. CHASE DESERVES TO HAVE A CLASS ACTION SUIT FILED AGAINST IT ON BEHALF OF THE CONSUMERS WHO 'S CREDIT SCORES THEY ( CHASE ) HAVE ADVE RSELY AFFECTED.
Product: Debt collection

Loan for {$500.00} that was taken out in XX/XX/2019 with a $ 480+ past due balance was paid off in full XXXX XXXX, 2019 before it was sent to a collection agency. The reporting on my credit report is incorrect. I keep disputing it as paid in full but this lender keeps stating what they have is correct, by which, it isnt.
Product: Debt collection

Received letter from Blitt and Gaines, PC regarding debt dated XX/XX/2023. The notice gave 2 options for payment due by XX/XX/2023. However the notice was not received until less than 30 days of the due date given. The sum is large and given the delay I had even less time to respond. No further notices were received or follow up from the firm after the due date.Tried contacting the firm to set up a payment plan and work on an agreement as I am going through a financial hardship however the firm rejected any of my efforts to set up a payment plan. The agent at the firm said only a one time payment was accepted after I asked for a payment plan due to my situation. Recently, my employer informed me of a wage garnishment presented by Blitt and Gaines, but I was never served with court documents with a court date or time and never given copies. I was not given the opportunity to appear in court to agree to a manageable payment option within the financial hardship I am facing. My employer notified them that I was unemployed and there was no garnishment that could be taken out. They then proceeded to send my employer filed documentation from court to begin the garnishment, again I did not receive any notices from the attorneys office or the court house or was able to represent myself or voice that I could not make the payments that they are demanding.
Product: Debt collection

I've filed several complaints with everyone involve including Transunion, XXXX and XXXX  and all Creditors and debt collectors. I have included Fraudulent Items in my Credit Report XXXX XXXX- Account # XXXX for {$110.00} XXXX XXXX XXXX  # XXXX for {$94.00} XXXX XXXX- Account # XXXX for {$65.00} XXXX XXXX- Account # XXXX for {$82.00} XXXX XXXX Account # XXXX for {$160.00} XXXXXXXX XXXX- Account # XXXX for {$220.00} XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX XXXX Account XXXX XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

My birth certificate had been taken along with some other things at a storage facility. I also have been the victim of several data breaches such asXX/XX/XXXX data breach, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and several other that Credit Karma has made me aware of. The following unknown charges appear of my various credit reports. 

XXXX XXXX {$2600.00} XXXX XXXX {$1100.00} XXXX {$850.00} XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$380.00} XX/XX/XXXX {$0.00} or {$1000.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$410.00} XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$620.00} XXXX XXXX XXXX {$550.00} XXXXXX/XX/XXXXXXXX {$410.00}XX/XX/XXXX XX/XX/XXXX {$290.00} TN CHILD SUPPORT {$0.00} ( I have no children born in or live in TN ) XXXX XXXX Child Support {$35000.00} ( This has been paid for years )
Product: Credit reporting, credit repair services, or other personal consumer reports

theres a bumch of things on my credit report n XXXX XXXX XXXX is calling lexi nexi amd states something about my medical records have been used which i never gave permission to or even knew and have a ton of issues with my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$0.00}
Product: Credit card or prepaid card

I am on the account as authorized. I have never used this account and the account holder and I have requested multiple times for me to be removed. The company has not done so.
Product: Credit reporting

I first contacted Equifax XX/XX/2016 disputing inquires that I did not authorize. As of this date I have yet to have Equifax honor my request. I advised Equifax to please provide me a copy of the documents that were used during there investigation process so that I can verify its validity. Equuifax is knowingly and willingly using delay tactics to assiste me regarding this matter, Furthermore, Equifax if in violation of the FCRA. Equifax actions have negatively impacted my credit worthiness and credit score causing me great distress.
Product: Checking or savings account

Synchrony Bank does not deposit checks immediately or the next business day. I have had to redeposit multiple checks after several days for them to be credited to my account. This is inexcusable and no other bank commits this negligence.
Product: Credit reporting or other personal consumer reports

Please Remove this account immediately off of my report. You are reporting inaccurate information which is a clear violation of the law. 15 usc 1681e ( b ) states- ( b ) Accuracy of report 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 below I have attached my credit report and evidence of your inaccurate reporting.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
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: Credit reporting or other personal consumer reports

TransUnion has updated my mortgage history ( thank you ) but failed to return my credit score to its former XXXX. 
TransUnion your agency " views '' my credit each month ( credit report soft pulls ) thus " we '' are both aware that I ( consumer ) am " financially stable '' to pay off my high debt ( mortgage ) in advance. My XXXX ratio is 2.04 % ( {$81000.00} gross income ) TransUnion your agency " views '' my high credit monthly credit card payoffs $ XXXX histories ) thus my credit utilization is 0 %. 
TransUnion, your agency and I ( consumer ) are " both '' aware that if I ( consumer ) pay off my mortgage and remove my credit card, my credit score would fall into chaos despite my XXXX plus years of positive credit history. I adjure TransUnion to please return my credit score to its original XXXX. XXXX is " not '' an acceptable score from XXXX!
Product: Debt collection

American Express Date open : XX/XX/XXXXAcct # XXXX**** Started the dispute process with XXXX on XX/XX/XXXX - than again on XX/XX/XXXX then again on XX/XX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now 10 years old acct open : XX/XX/XXXX account was apparently from what the rep in XXXX told me XX/XX/XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in India that no really the account was charged off in XX/XX/XXXX of XX/XX/XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XX/XX/XXXX of this year we are literally already in XX/XX/XXXXalmost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together.
XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato
Product: Credit card or prepaid card

Four credit cards were closed recently which greatly affected my score, and I did not close them personally. In XX/XX/XXXX, XXXX with XXXX XXXX  closed my account ( " canceled by grantor '' ) since it was going out of business ; affected my score slightly, no big deal. On XXXX XXXX, XXXX, XXXX XXXX/XXXX closed my credit card because the store was also going out of business ( " canceled by credit grantor '' ). Yet, it still affected my credit score and it dropped again. Next, my XXXX XXXX XXXX XXXX credit card was closed in XX/XX/XXXX due to " inactive account. '' Score dropped again. Finally, My XXXX XXXX XXXX XXXX closed my account on XX/XX/XXXX " due to inactivity '' and my scored dropped SIGNIFICANTLY again. I worked my way to an EXCELLENT credit score for a long time now, and now it's in the 600 's and only " FAIR. '' I was in the 800 's and EXCELLENT for a long time. I inadvertently opened a credit card in XX/XX/XXXX when attempting to buy a pricey item, but we changed our minds. Now I have this open credit card I don't want nor need, but can not close it because I know my score will drop again! This is ridiculous and outrageous. The companies did NOT reach out to me about keeping my card active ; I had no idea they could be closed without my consent and have it affect my score because of it. Had I known that, I would have eventually closed them out over a longer period of time and/or used them sporadically so they were not inactive. This needs to be fixed. I am saving to buy a house and am appalled my credit is deemed " fair '' and in the 600 's when I worked hard to get it where it was. Please fix this and I'd be more than happy to assist in anything I need to do on my end. Thank you.
Product: Debt collection

Discover representative named XXXX XXXX XXXX in XXXX XXXX XXXX in 2019 ignored all my voicemail messages over the time I contacted her this year and I again gave up dealing with resolving the fraudulent balances that remained with Discover. Discover needs to clear out the remaining balance as I do not owe the debt. The interest and fees charged are not valid. This experience has been unsatisfactory in trying to handle the fraud that occurred on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  have removed inaccurate reporting for XXXX XXXX. Equifax needs to follow suit since they are reporting this account longer than seven years since date of first delinquency. I intend to file suit if Equifax continues to misreport. I have disputed this account over five times and Equifax continues to report inaccurate information.