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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so t

hat I may regain control over my financial well-being. I sincerely urge you t
o give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX late payment ) XXXX XXXXXXXX XXXX XXXX # XXXX ( charge off ) -- {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We settled this account with XXXX in XXXX of XXXX ( Letter attached ). We were just notified on XX/XX/XXXX that this account was re-called by Synchrony Bank and sent back. 

We've settled this account for {$1200.00}. {$980.00} has cleared and been applied to the settlement. However, payments for XXXX, XXXX and XXXX of XXXX ( {$61.00} each ) have been shipped to XXXX because of the last notice of the recall and they've been re routed to Synchrony Bank. I called Synchrony Bank and was notified that the account had been sent to XXXX XXXX XXXX for collection. We've been told by Synchrony to reach out to XXXX XXXX XXXX so that they can help us honor the original settlement. 

However, I reach out to XXXX in XXXX of XXXX, they have the account. However, they make me wait until XX/XX/XXXX to tell me that they sent the account bank. 

This back and forth is ridiculous and should not have happened in the first place. We were paying a settlement without fail and then Synchrony pulls the account from the creditor we settled with? Totally unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my Cash App account was abruptly closed due to an alleged violation of the Terms of Service or Acceptable Use Policy. All features, including my Cash App card, were permanently disabled. No specific reason was provided by the support agent, XXXX XXXX. 

I sent an email on XX/XX/year>, requesting clarification and was given an opportunity to appeal. I submitted my appeal on XX/XX/year>. The case was escalated for a XXXX review, but on XX/XX/year>, I was informed of the account findings without any specific details regarding the violation. XXXX, another Cash App support agent, offered another appeal opportunity, making it seem as if my initial appeal had been ignored. 

I submitted a second appeal on XX/XX/year>, and was informed that the review process would take another XXXX days under case # XXXX. Despite my request for clarification on the alleged violation, XXXX again responded without providing any specific reason. On XX/XX/year>, I was finally informed that nothing else could be done by Cash App support.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Former : XXXX XXXX Employers : XXXX Employers : XXXX XXXX  Collection/Charge Off XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$6700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00} Late Payment XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

The company is XXXX XXXX until XX/XX/XXXX they then sold the loan to Fay Servicing and XXXX XXXX and Fay Servicing and XXXX XXXX Foreclosed on XX/XX/XXXX. 
Re : property address : XXXX XXXX XXXX XXXX XXXX, CA XXXX On XXXX lenders tin XXXX account XXXX From XX/XX/XXXX through XX/XX/XXXX I was denied the opportunity to short sale this house. After the relators were approved by the lender for short sale, I was denied three times with three different relators all of whom were approved by XXXX XXXX and later by Fay Servicing and on all three occasions denied. 
Therefore forcing my into foreclosure on XX/XX/XXXX. I did not receive the 1099-A until after XX/XX/XXXX ( as the envelope was post marked XX/XX/XXXX, which I saved ). 
The 1099-A balance on principle XXXX, and the fair market value XXXX. 
The house was then sold in the summer of of XXXX for about the same amount as the market value. 
I did not receive any of the proceeds from the sale. 
I want a qualified written review. I do not understand why I did not receive any proceeds from the sale. 
I want to know why the lender forced me to keep this loan in my name for a year while refusing to either loan mod, keys in deed of lieu, or short sale. They threaten to foreclose and take the home but then they kept waiting and postponing the foreclosure date until it was financially coinvent for the lender to profit at the bowwers demise!! 

This is an EGREGIOUS ABUSE OF POWER. 

And because I did not receive the 1099-A until over a year later it caused problems for me in filling my XXXX income tax. 

I have made several attempts to resolve these issues both written and telephone to Fay Servicing, XXXX XXXX and XXXX XXXX and have not received any response. And in most cases I am put on extended hold for 10-20 or more minutes and no one comes to the phone.
Product: Mortgage

My wife and I have an Inpounded Account with LakeView Loan Services, LLC. Our home insurance, XXXX XXXX XXXX, informed us that our lender did not pay the yearly renewal that was due XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times from Experian what methods they used to verify a collection account on my report from XXXX. I have also written to XXXX and they will, nor have they, sent me any supporting documentation that I requested to validate this debt.
Product: Debt collection

On XX/XX/2022 Mandarich Law Group contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well Mandarich Law Group sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However my credit card limit was {$4000.00} and i nearly spent that much money on it.
Product: Checking or savings account

I was promised a {$400.00} promotional deposit with the requirement of depositing at least {$1000.00} in direct deposits within 60 days. I completed this task and phoned a representative and confirmed that the requirements had been met and I would be receiving my promotional payment. I still have not received that bonus and am now being given the runaround by first horizon bank.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for inaccurate and misleading credit reporting related to my mortgage loan modification. 

I was approved for a trial period plan ( TPP ) and subsequent loan modification under the Flex Modification Program. I made all required trial period payments on time. However, XXXX XXXX incorrectly reported my payments as late during the trial period, even though I was following their approved plan. 

Attached is a letter from XXXX XXXX XXXX XXXX  XXXX ) confirming that my account was placed in forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to financial hardship. XXXX explicitly intended to prevent adverse credit reporting during this period. They are also actively working to correct any errors. 

Why This is Wrong : The Consumer Financial Protection Bureau ( CFPB ) Bulletin 2013-09 states that servicers should not report a borrower as delinquent when they are in a trial modification and making payments as required. 
XXXX XXXX 's own letter states : " Once your loan is modified, you will be considered current on your mortgage. '' This confirms that the late payment reporting is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, credit furnishers are required to report information accurately and fairly. Reporting me as delinquent while I was in a lender-approved plan misrepresents my payment history and unfairly damages my credit score. 
I have disputed this multiple times with XXXX XXXX and the credit bureaus, but they refuse to correct the reporting.
Product: Debt collection

I closed my XXXX account on XX/XX/XXXX by phone, effective immediately. I had autopay. Requested email confirmation, which was not given. Asked what additional needed to be done as I 1 ) no longer had access to my XXXX online website with closing the account, and 2 ) was denied a cancellation email. I was told you just need to return the XXXX equipment, which I did shortly thereafter. I did not receive further communication from XXXX for many weeks/ months. I received an email from XXXX on XX/XX/XXXX with an outstanding balance. Access to my online Spectrum account was removed and so could not confirm this. First contacted by Sunrise debt collectors on XX/XX/XXXX ( 16 days later ). I asked for confirmation of my information to ensure the correct account was sent to collections they did not provide the correct birth date. Still, I called XXXX to ensure that this was an error. Confirmed that they sent me to collections. They had billed account on XX/XX/XXXX ( 1 day after account closed ). At this point, I did not have a way of seeing my bills online with Spectrum. They canceled my autopay right before billing me. Could not provide proof that they contacted me before XX/XX/XXXX. Only offered to take payment. XXXX confirmed that they could not provide any proof of making attempt to notify me of the bill. I expressed concern regarding the effect on my credit score, but the XXXX employees made no apology. XXXX stated, I can tell you that the likelihood that our system made an error is zero. If you didnt get the email, Im sorry. ( same company that provided incorrect birth date to collections ). XXXX only offered to start internal ticket. Only given option for credit, debit, or checking account. Asked for a way to follow-up and ensure they corrected error w/ credit agencies- they refused. I asked, you sent me to collections, but I just have to trust you, and there is absolutely no way to contact you. '' She stated " yes. '' I also believe that Sunrise Credit violated my consumer rights in XXXX. They called me from a Pennsylvania number not associated with their company which is licensed in New York. They additionally called me on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is more than 2 times per week. They had my date of birth incorrect and thus did not seem that they actually were collecting a legitimate debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the presence of fraudulent items on my credit file. Despite my previous attempts to address this matter, the inaccuracies persist, causing significant harm to my credit score and financial standing.

There are items on my credit report that are the result of identity theft or fraud. These inaccuracies have been impacting my credit score and causing distress. 

I have submitted dispute requests along with supporting documentation to prove the fraudulent nature of these items. However, I have not received a satisfactory resolution to date. 

The presence of these fraudulent items on my credit file is adversely affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I am requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the investigation 's progress and resolution. It is crucial for me to receive assurance that these fraudulent items will be promptly removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am a coinbase.com user. I also have a coinbase card with them. On XX/XX/XXXX I transferred XXXX $ to my coinbase account then attempted to make a purchase of a tv for XXXX, when it got to the visa verification the card VERIFICATION failed, no purchase was made but coinbase still took the XXXX from my account. They are not responding & since the card is from then And the money is pulled from them they are my only customer support. But they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.