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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance {$10000.00}
Product: Credit card

I applied for the credit care card and got denied because i am XXXX and have no credit but am also looking to build credit. They suggested i reapply with a joint applicant so i applied wth my mom and again i was denied? I called to figure out why and the lady was rude took forever and did n't want to transfer me to someone who knew what they were doing.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccurate entries in my credit report. However, there are still remaining items that need to be corrected. According to FCRA section 605, any items listed in an Identity Theft Report must be removed. I am providing Identity Theft Report # XXXX again. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you are obligated to remove any information in my file resulting from an incorrect credit report entry within 4 business days of receiving ( 1 ) proper proof of my identity and ( 2 ) a copy of the identity theft report : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD 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 XX/XX/XXXX. Please be aware that you have 4 business days to delete any items in my credit file resulting from false credit reporting. I do not consent to E-OSCAR or any automated verification methods. I expect a prompt resolution within this timeframe.
Product: Debt collection

I received a letter dated XXXX XXXX, XXXX from Commonwealth Financial services ( letter attached ) requesting to pay an amount of {$810.00} for XXXX XXXX XXXX ( Ambulance Fees ) date of service XXXX XXXX, XXXX, and in their letter they asked me to respond to them within 30 days if I am going to dispute this or admit to it, but on XX/XX/XXXX just for days after they have sent the letter they have reported it as a collection on my credit and this has affected my credit a lot. I have reported a dispute to 2 of the agencies and sent this company a letter of investigation. ( documents attached ). 
This company did not wait for the 30 days to get my respond before reporting it as a collection that caused damage to my credit. 
This fee was for an ambulance ride for about a mile distance from the hospital as I XXXX my leg in a park and my kids called for help, at that time I had XXXX XXXX  XXXX  that covered all treatments and should have covered this ride, and in XXXX I received a call from them or some one represent them and I gave them the Insurance details and did not hear back from them again until now. 
I had medical insurance that covers this and I have provided them with the information at that time, and they could have contacted me directly if they had any issues with it, but after 3 years I find out it has been sent to collection. 
I still insist that this bill was covered under my insurance at that time.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to XXXX data breachXXXXXXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Reports, I discovered some late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. This information must be reported with utmost accuracy. I have never missed a payment on the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account Legally paid in Full for less than the full balance, I don't have the account number but I do have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

We were working with and had bank accounts ( Savings and Checking ) with Credit Karma for years, and everything was going great, until XXXX XXXX ago when we noticed our account was " Frozen '' and we had no idea why. We reached out, and were referred to the Fraud Team who just told us that our accounts were in the process of being closed. No reason was given when we asked for an explanation, and when we requested access to our funds so we could have our money before they shut everything down, we were told that they'd be " Transferring the funds to our Externally Linked Bank Account '' within XXXX to XXXXXXXX XXXX XXXX. To this point NONE of that has happened, the accounts still show as " Frozen '' when you sign into Credit Karma, and anyone you call and talk to will give you NO information as to why it's being closed or any ETA on when the funds will be available at our other bank. We need this resolved NOW as we need to pay rent so we're not being evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Debt collection

Dear Synerprise Consulting Services , Inc., I am writing to address the recent communication regarding the cancellation and removal of certain accounts from your records, as was requested in my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Despite your assurance that these matters would be removed from my credit reports and cease reporting, I regret to inform you that the accounts are still being reported to the major credit reporting agencies. This ongoing reporting is inaccurate and continues to infringe upon my rights, adversely affecting my opportunities and causing significant distress. 

I firmly request immediate action to rectify this situation. The accounts in question must be removed from all consumer reporting agencies immediately. Additionally, considering the ongoing violation of my rights and the resultant impact on my life, including aggravated identity theft, constructive fraud, and inaccurate reporting, I am seeking monetary compensation. {$3000.00} would serve as reparation for the pain and suffering endured due to this prolonged issue. 

I trust you will treat this matter with the urgency and seriousness it warrants. Prompt resolution is imperative to prevent further detriment to my financial standing and personal well-being. 

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

On XX/XX/XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XX/XX/XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XX/XX/XXXX on my student loans from XXXX and Granite State Mangement, both XXXX and GSMR agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and Granite State Management and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But Granite State Management status is listed as Open as Unknown. I called Granite State Management and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and Granite State Management repeated the same and said they were not obligated to clear it up now. I complained to XXXX,  XXXX and XXXX and they say I have to get Granite State Management to clear it up.
Product: Credit reporting or other personal consumer reports

This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ).

i really don't want to escalate this matter
Product: Credit reporting or other personal consumer reports

Experian and and XXXX can my incorrect address. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX Experian has my current address on my credit report as : XXXX XXXX XXXX XXXX XXXX, CA XXXX I created dispute with Experian but they refuse to change my current address. They state the following : That reason can't be processed online. This Address was reported to Experian by XXXX XXXX XXXX. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at ( XXXX ) XXXX. Address ID : XXXX / Report number : XXXX I have provided them with my current state ID as proof that I have never lived at this address.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX - XX/XX/2022 : XXXX - XX/XX/2022 : XXXX  - XX/XX/2022 : XXXX XXXX - XX/XX/2022 :
Product: Credit reporting or other personal consumer reports

This account has been disputed several times. The company is stating the account has been verified without sending proof of such information.
Product: Debt collection

Today I received a phone call from a number listed as " XXXX '' at XXXX XXXX on XXXX/XXXX/XXXX. The caller was from XXXX XXXX XXXX ( FCC Finance , LLC ) and they usually call from XXXX. However today they spoofed their number to show up as " XXXX '' ( XXXX ) on my caller ID. The representative from FCC called and asked me to make a payment with my debit card when I had already made a payment this month. It was taken by them from my bank account on XXXX/XXXX/XXXX. I am absolutely sure that this company spoofed their number. Because this company 's intent was to collect more money " spoofing '' is illegal per the Federal Communications Commission.

https : //www.fcc.gov/consumers/guides/spoofing-and-caller-id I feel insulted and harassed by this company 's practices and I 'm curious if other people have experienced this before as well.
Product: Checking or savings account

I had a navy federal account before XXXX XXXX XXXX Im making a complaint for the enforcement action
Product: Money transfer, virtual currency, or money service

PNC Bank is preventing me from being able to connect to the investment app, XXXX.
Product: Mortgage

On XX/XX/XXXX, I called my lender, Mr. Cooper to inquire about refinancing with cash out because I need to pay my huge student loan and for home improvement. I was told that I have a suspense account of {$94000.00}. I asked, how come and what is that?. They said it's from a loan modification with my previous lender, XXXX  XXXX XXXX. I told them, there was no loan modification done with XXXX. So I asked them to email me a copy of that loan modification with my signature. The representative, XXXX told me that there was nothing in their file that she can find with my signature. So she emailed me a loan modification without a signature. I told them that is illegal because I did not authorize XXXX or any lender to do a loan modification for me. I called XXXX myself and spoke with XXXX from XXXX XXXX XXXX. She confirmed that there was no loan modification done. She also said that my account was sold to Nationstar in XX/XX/XXXX, which is now called, Mr. Cooper. I called Mr. Cooper again and asked to speak with a manager. Following day, the manager, XXXX XXXX called me which I told her the same thing. We had the same discussion and I told her that if they can't provide loan modification docs with my signature, then they have to get rid of it. I made it clear with her that I need this issue cleared soonest possible because I need to apply for cash out refinancing to pay my debts while the rate is still low. Then I found the letter from XXXX in my file proving that there was no loan modification ever done. So I emailed it to XXXX. Today, she called me again without a solution and telling me again that they are searching for loan modification docs. I said to her that they won't find anything since there was no loan modification ever done and I already emailed her the letter from XXXX proving that there was no loan modification ever done. She confirmed that she have received it and that she showed it to her supervisors. XXXX said she'll get back with me again. I told her I want to hear from her before the end of this week with a resolution. I really think they are just giving me the run around. Please help me. I really need to pay my student loans as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate account reporting on my credit report. That is persistently affecting my creditworthiness. I believe this account is inaccurately reported, and its continuous presence is unfairly damaging my credit profile.
Product: Debt or credit management

They drafted money out of my account for over 1 year and half ; there was no change to my credit score at all. Didnt deliver what they promised! When asked for a refund, they refused. Its been about 5-9 years ago!
Product: Credit reporting or other personal consumer reports

This CONSUMER PORTFOLIO SVC is reporting hard inquiry on my credit report that does not belong to me. I ask XXXX XXXX XXXX to remove this information from my credit report. 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX Companies Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXXXXXXXXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX
Product: Debt collection

Equifax has not removed fraudulent accounts obtained in my name I have filed a police report and an FTC report for identity theft XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX : {$530.00}
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT THIS MORNING AND WAS SHOCKED WITH HOW INACCURATE ACCOUNTS ARE ON MY CREDIT REPORT. I DON'T T KNOW WHY THEY ARE ON MY CREDIT REPORT SO PLEASE CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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
Product: Checking or savings account

My navy federal account was closed due to a debit transaction going through and causing my account to overdraft and they added a bunch of fees even after I tried to fund the account via XXXX from another account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes regarding a delinquent account and never received a response from Enhanced Recovery Company, it has been over 30 days. My FCRA/FDCPA rights have been violated for failure to respond in a timely fashion and failure to delete inaccurate/erroneous information! 

Date Opened : XXXX is not reported ; XXXXXXXX is XX/XX/2018 ; and XXXX XXXX is XX/XX/2018. 2 different open dates how is that possible Please explain?? 

Payment History Profile fields are inconsistent and inaccurate They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

also upon further research this company has over 500 complaints on CFPB and multiple complaints with the CFPB Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several accounts and collection items that appear on my credit report but do not belong to me. After reviewing my credit history, I noticed multiple accounts that I do not know of, and I believe there has been a case of identity theft or misattribution. 

The disputed accounts include : XXXX. XXXX - XXXX ( Opened XXXX XXXX, XXXX ) I have no affiliation with this account. 
XXXX. XXXX - XXXX ( CLOSED ) This account never belonged to me. 
XXXX XXXX XXXX XXXX ( Opened XXXX, Balance : {$10000.00} ) REMOVE\ XXXX. XXXX XXXX XXXX ( {$610.00}, Debt Buyer Account ) I do not recognize this debt. 
XXXX. XXXX XXXX XXXX ( Closed XXXX, Collection : {$800.00} ) This does not belong to me. 
XXXX. XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX, {$94.00} ) and ( XX/XX/XXXX, {$1100.00} ) I have no record of these charges. 

Actions I Have Taken : I have reviewed my credit report and identified these inaccuracies. 
I am formally disputing these items as fraudulent and request an investigation. 
I request the immediate removal of these accounts from my credit history.