23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit repair email complaint In accordance to the fair credit reporting act, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by reporting the accounts listed below : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

Went to Doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, diagnosed XXXX and I shared my insurance information with doctor, he suggested treatment which consisted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a few sessions, doctor never explained that this XXXX was not covered by my insurance and now I have a collections agency calling and negatively affecting my credit.
Product: Debt collection

I disputed my phone bill debt with XXXX XXXX for XXXX XXXX i spoke to someone on the phone with jefferson capital systems XXXX XXXX XXXX XXXX XXXX, MN XXXX about a debt from XX/XX/2018 but she resolved it over the phone & on credit karma its not showing but on other bureaus it is.
Product: Credit reporting or other personal consumer reports

XXXX student loan servicer has been claiming since XXXX  that i was 120 days late for two months, on two different loan. This is false. I was never late. I was on an income based payment plan before having my loans forgiven for being a100 % XXXX XXXX veteran. When my loans were paid they were even backdated prior to these alleged late payments but still they remain. I have disputed this every month for 2 years now and have received the exact same form letter answer from XXXX And the credit bureaus despite evidence to the contrary would not remove these errors. I have called customer service, emailed the military liaison and even went so far to email every single high ranking person I could find on their website - and still just stunning silence. I have asked to be furnished with evidence and explanations of their investigation and got nothing. These erroneously reported four late payments of over 120 late days has had a devastating effect. My credit score at one point was XXXX. I could rent anywhere, I couldnt get a job, I had trouble even getting a bank account. I was finally lucky enough to get 2 banks to open an accounts but suddenly these accounts were closed, my money frozen and I couldnt even by food for my XXXX XXXX XXXX. I even remember one representative said to me during a distraught conversation about what to do- they said, you can always go to a food bank and hung up. XXXX abused their power and stole years of my life and time with my son. And the credit bureaus are complicit. I also asked them for evidence in every dispute and every call, email, chat and phone call and their response every single time was - XXXX CONFIRMS THIS REPORT AS ACCURATE AND NO CHANGES WOLL BE MADE. After XXXX  years in the military, a devastating injury, forced retirement and all the XXXX I often wonder what my life would look like right now if those 4 lines of code on a stupid credit report had been accurate. Would I be healthy? Would my son have avoided trauma? Would my marriage have not fallen apart? XXXX should be held to account for a great deal more than they are and XXXX, TransUnion XXXX need to be held accountable as well.
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. 

XXXX XXXX : # XXXX, These credit card inquiry that I do not recognize is not attached to an open account and I would like it disputed immediately XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX And according to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681-5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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.

15 U.S.C. 1681B ( 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. 

Disputed Personal Information I have identified that the following personal information on my credit report is incorrect and inaccurate : ( incorrect ) Date of Birth : [ - ] Correct Date of Birth : [ XX/XX/XXXX ] ( incorrect ) Full Name : [ - ] Correct Full Name : [ First : XXXX Middle : XXXX Last : XXXX ] ( incorrect ) Address : [ - ] Correct Current Address : [ XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( incorrect ) Employer ( s ) : [ - ] Correct Employer ( s ) : [ XXXX  XXXX ] This incorrect personal information, coupled with the aforementioned inaccurate account details, must be updated immediately to ensure compliance with FCRA standards .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Duplicate Accounts on Credit Report Dear Transunion, I am writing to formally dispute duplicate accounts that appear on my credit report. Upon reviewing my credit file, I noticed that the following account is listed more than once, which may negatively impact my credit score and misrepresent my financial history. 

Duplicate Account Details : Original Creditor Name XXXX XXXX XXXX BANK Account Number : XXXX Duplicate Entries : XXXX XXXX XXXX XXXX Account XXXX : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate and verifiable information. Since this account is listed more than once, I request that the duplicate entry be removed immediately to ensure the accuracy of my credit report. 

To assist with your investigation, I have enclosed a copy of my credit report with the duplicate accounts highlighted. Please correct this issue and provide me with a written confirmation of the update within 30 days of receiving this request. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at the details provided above. 

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

Recently I checked my credit report and I noticed that I've been a victim of identity theft and found numerous of credit inquiries that I have no knowledge of Here are the names and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the FCRA 15usc 1681 cc2 that the " agency '' information appearing on my credit report if stemming from a result of identity theft and fraud must be updated and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian alleged it was not me that filed complaint # XXXX, so they were unable to look into the matter, this is completely a lie, again this is XXXX XXXX XXXX filing this complaint against Experian, do not attempt stall tactics, I certified that it is me and I am authorizing this complaint, pending litigation is my next steps if Experian further delay my request. 


EXPERIAN IS REPORTING 2 ACCOUNTS ON MY FILE THAT IS NO LONGER OWN BY THE COMPANY, I REQUESTED A METHOD OF VERIFICATION FROM EXPERIAN AND GAVE THEM 45 DAYS TO RESPONSE, NO RESPONSE, XXXX/XXXX XXXX AND XXXX/XXXX NO LONGER OWN THE ACCOUNTS, THEY SOLD IT AND TRANSFERRED TO DIFFERENT COMPANY WHO I NOW DEAL WITH DIRECTLY., YOU LIST IT ON MY REPORT YOU MUST PROVIDE ME WITH HOW YOU VERIFIED ACCOUNTS WHEN COMPANY NO LONGER OWNS IT PER FCRA, PLEASE PROVIDE DOCUMENTATION I DEMAND DOCUMENTATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I found out that I was was affected by the Equifax security breach. Equifax demonstrated a blatant lack of security by storing sensitive, personal information on their servers in a plain text file instead of an encrypted file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I have a charge-off listed on my credit report from XXXX XXXX that is incorrect. I've received a 1099-C form for this charge-off and have filed it on my taxes which it is now taxable income and not debt. Credit bureaus can not report income as debt on the credit file. The credit bureau is still falsely listing this account as a charge-off which is negatively affecting my credit and also violating FCRA 15 USC 1681 ( e ) B.
Product: Checking or savings account

Capital One Bank in XXXX, Tx allowed 4 unauthorized checks totaling {$19000.00} to be mailed out in checks to fake people names across the country. The checks were XXXX and XXXX. I notified them immediately when I noticed this and they stopped some, but the four checks above got through and they said I was liable. These checks got through even after I had informed them of all the fraud going on in my account. I kept calling them asking why are they continuing to mail new checks out for these large and unusual amounts to people I have never heard of. They had no answer. They also never informed me once by text, email nor phone to see if these large and unusual payments were legitimate. I am also on XXXX and can not afford this loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute/Debt validation letter to Experian Tuesday , XX/XX/XXXX, regarding a fraudulent account, I was not provided with a contract that ties me to the account or that proves the account is my debt. 
Status : Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Comment Completed investigation of FCRA dispute - consumer disagrees. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
I was never provided physical verification of the original signed consumer contract. In addition to that, I was not given the method of verification, who investigated the dispute Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

That's not what they are attending to do.
Product: Checking or savings account

On XX/XX/2022 I was the victim in a XXXX  money transfer scam. I tried to cancel the transfer but I was not able to and the other party involved received the funds. I have requested a payment back from that party for the amount and I have received no answer. 

I have also requested my bank institution to dispute this transaction but they claim that because it was authorized from my end, without my being aware that this was a XXXX scam, it is not under purchase protection, and therefore can not be disputed as such However, I was under the impression that all money in the United States is covered under the FDIC. If money is fraudulently stolen or wired out of my account the bank is responsible for reversing that transaction and possibly flagging and Reporting the recipient for investigation. 

In refusing to reverse the fund transfer, i believe my Banking institution is being complicit in a crime, given that a legitimate bank account and personal information is required to link XXXX. Meaning that they could easily trace back the funds taken from my account but are refusing to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX. XXXX XXXX Bank XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX Bank XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$95.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX Balance : {$82.00} XXXX  XXXX  XXXX Inquired on XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX Balance XXXX {$110.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX, XXXX Inquired on XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$150.00} XXXX  XXXX XXXXXXXX Balance : {$82.00} XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/ XXXX XXXX
Product: Credit card or prepaid card

On Friday, XX/XX/2020 I made a payment of {$290.00} with my debit card. I asked if my payment would be applied to reflect the account balance back to XXXX before the new statement date. 

The young lady was nice and stated she wasn't sure when it would be. 

My reason for making the payment is to show XXXX balance and not bring my debt ratio up and negatively affect my credit score. 

I logged into my account on Saturday, XX/XX/2020 to make sure balance was XXXX and noticed it still showed a balance of {$290.00}. I call the customer service # to find out why my balance wasn't XXXX. The lady states that if you don't make a payment before XXXX XXXX   central time it won't reflect until Tuesday, XX/XX/2020. 

If that is a policy with the company, then they need to show that when making a payment so customers are aware of that. 

My credit score has dropped 40 points because of that and I am looking to move and my score needs to be in the 600 's. 

I need you to reflect on my current balance of XXXX of my credit report so I can apply with the leasing office asap. Thanks
Product: Credit card

When I tried to use the Synchrony Bank World Elite Credit Card in XXXX on XX/XX/2024, my purchase was " denied '' by the bank, and the purchase was not completed. I immediately call Synchrony Bank to report the incident and was told it was an " error '' on their behalf and that the charge was NOT put through. The charge WAS put on my account, I disputed it, and now Synchrony Bank has reversed the change stating it is owed. 

I owe NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.
Product: Credit reporting

I 've have disputed this a few times and have provided Equifax supporting documents to clear this from my credit report. I 've attached my 2009 tax return regarding this tax lien that was file against me. 

Respectfully, XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage company has reported fraudulent information on my credit report and on my annual 1098 form. The amounts listed on our current billing statement and our 1098 form are completely different. The amounts on the 1098 have been inflated. Our premium payment has tripled since inception of the loan. They have consistently inflated numbers, with no refunds or credits to our principal balance when premiums change. We have had a recent change in premium. It has decreased ; however, we have not received any credit or refund check to reflect this change. They have consistently done this for the life of the loan. I confirmed amount of payoff from a FHC agent and email. Versus what the 1098 states. They have inflated amounts that we actually owe. This is fraudulent activity!
Product: Debt collection

File XXXX Contacted repeatedly regarding a debt from XXXX owed by my father that died in XXXX. Have repeatedly informed them ( both on calls and with letters ) that my father never had services from XXXX. I finally demanded they furnish proof of the charges they say my father owes. They say it is on my dead father 's credit report now that he has a collection against him. When I got the proof it turns out they never even bothered to verify the name or address, but just picked my father 's name out of the blue. We provided death certificate from XXXX for the bills that were from XXXX & XXXX. And we proved by a two-minute internet search that the XXXX XXXX they wanted was really XXXX XXXX XXXX at the address in XXXX on the bills they sent, not my father who lived in XXXX, Ohio and never XXXX. And XXXX XXXX XXXX is not the same as XXXX XXXX XXXX. All of this was provided multiple times and yet they still continue to send me demand letters. They deserve to be put out of business. My time and money should not have to be wasted because they are XXXX. I have asked my personal attorney to draw up a lawsuit for harassment and aggravation, but I would prefer the CFPB put them out of business.