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

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX Texas, XXXX Subject : Formal Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is submitted in accordance with my rights under various federal laws, including : XXXX XXXX XXXX : Governs the disclosure of my nonpublic personal information. I do not consent to the sharing of my personal financial data beyond what is legally permissible under this statute. 
XXXX XXXX XXXX ( XXXX ) : Affirms my right to accurate reporting of credit information. The inaccurate item ( XXXX ) in question do not comply with this standard. 
XXXX XXXX XXXX ( XXXX ) : Specifies my right to dispute information I believe to be incorrect or misleading. 
XXXX USC XXXX : Establishes criminal penalties for identity theft. I suspect that some of the erroneous entries on my credit report may be due to identity theft, which would be a violation of this statute. 
XXXX USC XXXX : Grants me the right to request the removal of fraudulent information from my credit report due to identity theft. I believe that the items listed below may have been added to my report without my authorization and potentially involve fraudulent activity. 

Inaccurate Information : XXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. 

XXXX point : Account # XXXX Inaccurate Information on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate Information on my credit report. A third party that I did not give consent to report anything on my credit report. 

XXXXXXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX : Account # XXXX A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX. 
Account # XXXX Inappropriate use of credit report. I did not give the any consent to report anything on my credit report. 

Given these protections under XXXX law, I respectfully request that you : XXXX. XXXX a thorough investigation of the inaccurate or fraudulent items. 
XXXX. Remove or correct the inaccurate information promptly. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Enclosed are copies of relevant documents supporting my claim, including my identification, credit report, and any other materials necessary for your investigation. 

Please confirm receipt of this letter and keep me informed on the progress of the investigation. I expect your response and confirmation of action within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this serious matter. 

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

I AM A XXXX XXXX XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDLENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN XXXX BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERLY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting or other personal consumer reports

Theres an account listed on my consumer report that has inaccurate information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all 3 credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX and XXXX are in violating of the law for reporting fraudulent and misleading information from my credit report.
Product: Credit card or prepaid card

I'm writing in respond to case number XXXX. I did not understand why my case was closed without Synchrony card conducting any investigation other than receiving a contract signed. I never received a call or letter asking me for any documents or proofs in order for Synchrony to take a final decision against my favor. 

Synchrony never provided me any proof of service delivered other than a contract signed and a letter from XXXX. 

XXXX XXXX Merchant ) sent a letter to Synchrony letter attached saying that they delivered architectural plans, please I requested from Synchrony to provide me those formal documents since XXXX has not send any documents to me. Architectural plans needs to be certified by a licensed architect and approved by me with my signature. 

I never requested architectural plans as you can read in the contract provided by XXXX, architectural plans was never quoted. 

In order to work on the property, the City of XXXX needs to approves the architectural plans. Please Synchrony gets these documents from XXXX. 

If XXXX has bought material why the material was never deliver to me? Does XXXX provide proof of any material delivered to me and for what amount? and what kind of material? 

XXXX offered free estimate in their website XXXX why a walk through is now taking in consideration for the {$25000.00} payment? 

I never cancel a contract please provide a proof that XXXX has send you that I had stop the project? and for that reason 30 % cancellation fee was enforced? 

Too many inconsistency that Synchrony is not providing to me that they conduct an investigation and that the merchant is providing enough proof to justify taken {$25000.00}. and from Synchrony to take a decision against my favor. Only a contract signed is not a proof of service delivered. 

If Synchrony is validating the contract as a proofs of services delivered to me, therefore Synchrony bank is saying that fulling understood the terms and conditions of the contract and that it is assuring I received and I approved architectural plans, that I received material for an unspecified amount, and that I formally stop the project and for that reason I need to be enforced 30 % cancellation fee. 

I will wait for your further investigation resolution. I'm attaching the appraisal I executed to demonstrate the condition of the property and that I never received any services from XXXX. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I wanted to bring to your attention a matter that requires immediate clarification. It has come to my notice that someone sharing the same name as mine has been using our shared name to apply for loans or financial transactions.

This confusion has arisen recently, and I want to assure you that I have not been involved in any such activities. To avoid any further misunderstandings or complications, I kindly request your assistance in verifying and rectifying any erroneous applications or records associated with my name.

Please let me know how I can provide any necessary documentation or information to resolve this issue promptly. I appreciate your attention to this matter and look forward to your prompt response.

There is also false information on my credit profile. Such as addresses, names, and phone numbers.

Thank you for your understanding and cooperation.
Product: Debt collection

XXXX / XXXX / 2014   TD BAN K OVERDRAFT ACCOUNT ABUSE IS NOT TRUE THIS ACCOUNT WAS PAID THE AMOUNT WE AGREED UPON IN ORDER TO REMOVE THIS ACCOUNT OUT OF COLLECTIONS. SO I DO NOT UNDERSTAND WHY IT IS SHOWING UP AS ACCOUNT ABUSE AND OVERDRAFT.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$6600.00}
Product: Checking or savings account

As a result of frequent data breaches by various corporations, I set up as much multi-factor authentication as possible on all of my accounts, especially banks. USAA allowed me to set up facial recognition, but that functionality was removed around XX/XX/2022 as far as I can tell. To replace it, I set up biometric multifactor authentication ( thumb print ) and received an email indicating that I had done so in late XX/XX/2022. After a week, that authentication was removed without any sort of communication. I was able to set it up again easily, but it has shaken my confidence in their account security. I would prefer to use a separate authenticator with a rotating code, but they do not offer that functionality.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been XXXX that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the 1099-C to the address above or via email.

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.
Product: Checking or savings account

This is an able account for XXXX ( the nick name is XXXX ). We closed it as they kept charging fees. The condition for no fees is to have {$250.00} which we did or/and be paperless which we were. They backdated fees for a year and refused to refund them, we have had a balance among all accounts over {$250.00} and also been paperless the entire time. There is a state fee but this is the bank fee we are referring to, not the state able account fee. The bank charged us on top of the state fee. It was unreal! They refused to refund us on this special needs account! We want our monthly fee reimbursed. We have moved all money for both our able accounts away from fifth third.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance - BXXXX XXXX XXXXXXXX XXXX Reference Number XXXX Amount :
Product: Checking or savings account

I opened a debit account with Albert on XX/XX/XXXX. I never deposited any money to the account, they provided me a debit card. I subsequently found out they charge {$14.00} monthly and wanted to close my account. I requested to close the account multiple times on XX/XX/XXXX. The company is refusing to close my account. They keep telling me to withdraw funds, however I never deposited any funds. I repeatedly explained this, spoke to an account specialist and they are still refusing to close my account. They are telling me to withdraw my funds and repay my balance to close the account. They are refusing to close this account and continually are telling me to withdraw funds. I never deposited funds, so I really need this account closed and they arent resolving my issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the handling of my recent dispute regarding inaccuracies in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ), I am aware that you are required to respond to my dispute within 30 days. However, I have not received a timely response.

Additionally, 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) outlines specific investigation protocols that must be followed, and I am concerned that these procedures were not adequately adhered to in my case. Furthermore, according to 15 USC 1681i ( a ) ( 5 ) ( B ), there are strict reinsertion protocols that must be followed when an item is reinserted into the report after being deleted, and I believe this was not properly executed in my situation.

I request an immediate review of my case and a detailed explanation of the steps taken during the investigation. Please address these issues promptly to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

On the Dates listed below the following companies obtained a copy of my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Back in 2009 I filed for BK included XXXX XXXX XXXX my Morgage company at that time. After the BK cleared they still refused to take over the house. I have called and written to them asking them to stop postponing the foreclosure date and even tried the dead in lue. After that they sold my account to XXXX and then to NationStar Morgage. I have tried with all these companies to have them stop postponing the foreclosure date and the dead in lie. No luck. I have the HOA taking me to court for the last 2yrs. I have no income coming in. This has been more than 5yrs, why do they keep denying my dead in leu and keep stoping the foreclosure? I do n't know what else to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was notified by my credit monitoring service that a credit application, in my name, had been received and was being processed by XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. Requested On : XX/XX/XXXX.  Inquiry Type : Individual. This was my first indication I was a victim of identity theft. 
This thief or thieves listed my previous XXXX residence as their home address, and a mailing address in XXXX, XXXX. Although I was able to circumvent this unlawful credit issuance with XXXX XXXX, and they notified the three credit bureaus, EQUIFAX seems to have incorporated the false background information into my real background information. In XX/XX/XXXX, I got a copy of my EQUIFAX credit report which showed my current home address as my former XXXX residence and my current mailing address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, the same information provided by the identity thief to successfully open a credit account with XXXX XXXX. I submitted a dispute of information with EQUIFAX, but when I attempted to examine the email result of their investigation, I was denied access to the report as I had provided information that does not match our records in the security verification. I have subsequently contacted EQUIFAX representatives on two separate occasions to resolve this issue, but on both occasions ( Confirmation Numbers XXXX and XXXX ) I was asured there was no derogatory information in my credit file, they advised the security questions were gleaned from my credit file. I insisted this information was corrupted by the identity thieves, but EQUIFAX continues to rely on this false information, as I still get the same access denial when I try to access their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a few inquires on my account that I did not consent to. XXXX XXXX. Xatus XXXX, XXXX XXXX XXXX. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.
Product: Vehicle loan or lease

I purchased a used vehicle in XX/XX/2019 at an asking price of XXXX. My initial down payment was XXXX cash and my rate of interest is 21.9 % I have payed a total of XXXX on this loan and my current balance is XXXX approximately. I have recently noticed on my billing statement that the interest amount being deducted from the monthly payment is higher than 21 % which takes away from the principle. My statement show that they're taking upwards of XXXX $ out of a XXXX $ monthly payment and even at 25 % interest this should be no more than XXXX $ from XXXX $ this is simple mathmatics. The company is Veros Credit XXXX and this has been occuring since XXXX of 2019 when this vehicle was purchased.
Product: Mortgage

Carrington approved me for a short sale or DILF because I lost my prior job and had to move to XXXX, XXXX from XXXX and no longer live in the home. It is vacant. They again conditionally approved the short sale and we have received a short sale offer for the full price of the approved amount, {$460000.00}. The home was appraised by Carrington at {$550000.00}. The mortgage balance is {$580000.00}. Carrington initially approved the short sale but now has said VA Guidelines are denying the short sale. They told us that it was approved and even spoke to our sale agent and had him list the property. We now have an offer from a cash buyer and can not get our short sale to closing. Please investigate Carrington 's business practices.