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

Case # : XXXX Subject : Urgent Resolution Required : Final Notice of Credit Reporting Inaccuracy Dear Sir/Madam, I am writing to address a matter of utmost urgency and concern regarding the mishandling of a credit card account associated with my name. Despite previous acknowledgments of fraudulent activity leading to the closure of said account, I have discovered that it continues to be inaccurately reported as active to the credit reporting agencies. 

This persistent error is not only unacceptable but also poses a direct threat to my financial well-being and professional standing. As a Technology Business owner operating in XXXX, the accuracy of my creditworthiness is paramount to the success and stability of my operations. Your failure to promptly rectify this situation has severe implications that extend beyond personal finances, impacting the viability of my business. 

I remind you of your legal obligations under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and relevant California consumer protection statutes. The ongoing inaccurate reporting violates my rights as a consumer and exposes your institution to potential liability for damages resulting from negligence and non-compliance. 
In light of the seriousness of this matter, I must insist on immediate action to correct the inaccuracies on my credit report. Failure to do so within the shortest possible timeframe will leave me with no choice but to pursue all available legal remedies, including initiating civil proceedings seeking compensatory and punitive damages for the harm inflicted upon me. 

Furthermore, it is crucial to address the assertion that purchases were made using the account and payments were received from a debit card and bank account in my name. While these transactions may have occurred, it is imperative to recognize that identity theft is a sophisticated crime capable of deceiving even vigilant individuals. The occurrence of transactions does not absolve your company of its responsibility to promptly investigate and rectify fraudulent activity. 

I have taken proactive steps to address the identity theft, including filing reports with the Consumer Financial Protection Bureau ( CFPB ), submitting an Identity Theft Report to the Federal Trade Commission ( FTC ), and cooperating with local law enforcement authorities. Additionally, as an active-duty member of the military, frequent deployments further underscore the vulnerability of my personal information and the urgency of resolving this matter swiftly. 

Be advised that I will be closely monitoring this situation and will not hesitate to escalate my efforts if necessary. The consequences of inaction will be severe, and I trust you comprehend the gravity of the situation. 

I expect a prompt response outlining the steps taken to rectify this issue and a timeline for resolution. Your cooperation in this matter is not just requested but demanded as a matter of urgency and principle. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX - 2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been exposing my personal medical information. 
Medical information is supposed to be private, and I didnt give permission for this debt to be shared. By putting it on my credit report, they exposing sensitive information without my consent. This feels like a clear violation of my rights.

On top of that, the debt has been damaging my credit score, which is making it harder for me to get loans or other opportunities I need. I recently learned that new laws are being put in place to stop companies from reporting certain medical debts, especially when theyre disputed or shared improperly. I think what this company is doing goes against those laws.

Im asking the CFPB to look into this situation and make sure XXXX XXXX XXXX and the three credit bureaus are following the rules. I also want this debt taken off my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Consumer Center XXXX XXXX   XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card

Synchrony Bank is the issuer of several store cards. They issue credit with lures of XXXX interest for limited time etc. Once you get the card pay on time above minimum payments. They will misuse your credit report to reevaluate your score based on their criteria. With perfect credit and XXXX late pays they look at the debt ratio and balances, then unknown to you, begin reducing your credit limit or even closing accounts. This causes your debt utilization to sky rocket, lowering your beacon score. Read reviews on XXXX. Once they lower your beacon score, they continue using it against you. This is extremely predatory to good paying consumers, who have abide by their credit agreement with synchrony. How can they continue ruining your credit and then penalizing with higher rates and reductions on credit lines. Or close an account as soon as you pay it off? They reduce your limit with each payment. I would understand if you were late, missed payments etc. This is not the case. They use their own scoring system and continuously check your credit in order to raise interest rates, or close good standing accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}
Product: Credit card or prepaid card

American Express owes me XXXX points and they are frozen in pending status and are not posting. I have received many different inconsistent reasons from customer service reps and no one has been able to help. The company just tells me to contact XXXX, but XXXX does not see the points on their end. Why should the customer have to continue to contact both American Express and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion in regards to their accidental deletion of credit inquiries and the inquires being put back. Im understanding that once deleted that they are not able to be put back in my record.
Product: Money transfer, virtual currency, or money service

I sold my XXXX XXXX XXXX to XXXX and XXXX ( last names withheld ) on XX/XX/2022 for {$42000.00}. XXXX wire transferred the funds from his Wells Fargo account to my XXXX XXXX XXXX XXXX account on XX/XX/2022. Myself, XXXX and XXXX were at the Wells Fargo branch to consumate the transaction. The motor-home had clear title which I signed and gave to XXXX and XXXX. I do not know whose name the tile is in now ; XXXX or XXXX or both. I assume that Wells Fargo requested XXXX to place the {$42000.00} on hold ; XXXX stated the reason as " wire fraud. '' These funds remained in my XXXX account for nearly 7 months and now this action took place. I have attempted to resolve this with XXXX and Wells Fargo ; they are reluctant to release any information concerning this issue. This action has created a hardship ; as now are personal accounts have a {$0.00} balance, Making it difficult to pay our creditors. I need an answer and a solution.. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.
Product: Debt collection

The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

State Collection Services Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

An individual follows me thoroughly and seems to great knowledge of my credit history. This individual has scammed me about three or four times in the past and I believe I am the victim of identity theft from her.I have attempted disconnect communication but she is a cyber problem.
Product: Credit reporting or other personal consumer reports

This company dont have a license in my start to put my credit in collections I not sure to go about getting this company off my back and my life can you guide me in this complaint. The company that dont have a license to practice in my state is LVNV Funding llc XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Amazon Store Card/Synchrony Bank sent me a store credit card that I did not apply for. There was a {$40.00} charge on the card. I did not apply for card nor make a purchase. I have contacted synchrony Bank four times. XXXX XXXX XXXX could not comprehend i was filing a fraud complaint and sent me a new card i did not request. XXXX XXXX XXXX accepted my fraud complaint to research. Even though i filed a fraud complaint they continue to send me bills demanding payment - its my understanding they are in violation of banking regulation by continue to bill me during fraud complaint. XXXX XXXX XXXX I used the automated system to close the account ( it was supposed to be closed in XXXX XXXX XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX i finally reached the fraud department. The rep indicated my case was in review and could not explain why we were still being sent bills for payment ( that i don't owe ). He indicated i would have to call back tomorrow- when management was available. the saga continues.
Product: Mortgage

Loancare purchased my VA Loan and became the new servicer. <P/>They did not transfer the insurance information properly, and placed a fore buy of insurance on my property. My original policy was through XXXX for {$830.00} a year. They bought a policy from the same company for {$1500.00} a year. Loancare recently settled a class action lawsuit ( XX/XX/XXXX ) about receiving kickbacks from XXXX for forced insurance buys. <P/>Over the next few months, I received mortgage payment amounts anywhere from {$2000.00} a month to {$1600.00} a month. <P/>Loancare was completely unresponsive and " lost '' my insurance paperwork so many times, I was finally forced to get my Agent and XXXX all together in a conference call to get the situation resolved. <P/>They are still showing a {$500.00} shortage in my Escrow account that remains unexplained. I was assured by their management on XX/XX/XXXX that the situation would be looked into, but as of this evening, no one has done anything. <P/>They have now gone after my credit rating. Due to their own incompetence, they refused to process the payment I has sent in XX/XX/XXXX because it was n't the " full amount '' demanded by them. An amount that changed 3 times in just the month of XXXX. <P/>They have damaged my credit standing, refuse to make good on my accounts, and as of tonight refuse to correct their mistake. I have spent 40-60 hours on the phone with them over three months, and they hang up on you in the middle of phone calls, transfer you to 15 different departments, and lie. I know that 's a strong charge, but I was told that they were looking into my Escrow situation, and 2 weeks later, the manager I spoke to had no record that they have done anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  issued a credit card which i finally settled with. amount of {$200.00} paid XX/XX/year> payment number XXXX ID : XXXX Amount of {$250.00} paid XX/XX/year>, payment number XXXX ID : XXXX. 
Checking Account has been closed at XXXX XXXX  after payment of credit card. 
I encourage the agent if I could open a new account after everything was cleared and payment was settled but XXXX XXXX teller refuse to accept me as she said the manager disapprove. As I know the manager was out of the office already and the teller is just lazy to process or assist because she is in a hurry to go home because she said they are closing the office soon. The teller was also rude and not helpful. 
I am a living human being and I have a right under 15 USC 1681.

Equifax is given by 15 USC 1681 and they violated my rights numerous of times. I demand that the account listed be removed according to 15USC 1681, I have the right to Privacy and I did not give Equifax written permission to furnish the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I noticed that som information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove the remaining fraudulent information from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX Also, if you claim that the disputed items belong under my name, please send me copies of proof of verification or proof of ownership as a supporting document. In the absence of such documents, immediate removal of the disputed items will be appreciated.
Product: Credit reporting or other personal consumer reports

This account was opened without my authorization. 
I am a victim of ID theft. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap SUNRISE CREDIT SERVICES Account Number : XXXX Account open date : XX/XX/2023 Please remove this inaccurate information from my XXXX credit report.
Product: Debt collection

While reviewing my XXXX & XXXX credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALONE has failed to " VALIDATE THE DEBT and/or Perfect any Security Interest '' as required under the law. 
Furthermore, I advised CAPITALONE that fail to '' VALIDATE and /or PERFECT SECURITY INTEREST OF THE DEBT '' as required under the law within 30 days, that they must and are required to cease and desist attempt to collect on an unlawful debt. 
However, CAPITALONE disregarded my request and continued attempt to collect on an unlawful debt without just cause and/or for any legitimate reason in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS. 
CAPITALONE intentionally and purposefully with malice continued total disregard to the law constitutes gross negligence, causing and depriving me access to adequate housing, the ability to secure a meaningful employment and/or obtain new credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to remove these dismissed bankruptcies from my credit report for well over a year and a half. The bureaus are reporting bankruptcies on my credit report that were never discharged and yet even after showing proofs that they were dismissed, the bureaus are still reporting this information on my report, purposely hindering my credit rating.
Product: Credit reporting or other personal consumer reports

I was just reviewing my credit report on XX/XX/year> and found some addresses that appear to be incorrect. 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. XXXX continue to report my address and employer name incorrect on my credit report.
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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint again in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXXXXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance {$8800.00} XXXX XXXX XXXXXXXX XXXX Balance {$14000.00}
Product: Checking or savings account

Upon opening my account during Basic Training for the XXXX, I have not logged in until today due to the lack of access to my phone. Today, I attempted to log in but encountered an error message indicating that the account is locked. 
Upon contacting customer service, I was informed that the account had been closed since XXXX due to fraudulent activity. However, I have not been aware of any fraudulent activity and have verified my credit report, which does not contain any records of theft identity. 
Despite requesting to speak with a supervisor, I was informed that once the account is closed, there is no possibility of reopening it. I emphasized that this is my first attempt to log in to my account, and I am perplexed as to how fraudulent activity could have occurred without my knowledge. I have not received any email notifications or any other form of communication from the company. 
This situation is highly unjust and unreasonable. I am requesting that my account be reopened, as the closure was not conducted in a reasonable or lawful manner.
Product: Debt collection

Due to XXXX I lost some work and my husband lost his job and we incurred a lot of credit card debt. I tried hard to keep my XXXX XXXX XXXX and pay my debts but it was overwhelming. I looked online for help and found XXXX XXXX XXXX. I signed up at the end of XXXX and they told me that I would submit my debts to them, stop paying them, and in 2 months they would make negotiations with my creditors. until then the money I paid them each month would go into a savings account to pay all my creditors. So after two months, I noticed my debts were not negotiated so I called them and they told me they were in negotiations with one creditor. I asked when the others ones would, and they said it takes 3-4 months not 2-3 months. They said the last person I talked to was wrong. So I waited another 3-4 months as I watched my debts not get paid and credit score drop. I called again, I was told it takes 5-6 months. So again, I waited, I get to month 6 and call again. This time I demanded to see a copy of the savings account where all my money was supposedly going. the one creditor they were paying they told me they only paid them XXXX a month and I was paying them XXXX a month. They sent me the statement, and it had a ton of fees taken out each month. I said, so you are telling me that you pay the XXXX and all the money I have sent, thousands of dollars now, has only went to pay your fees. there is no money left to pay my other creditors even if you get in a negotiation with them. for the first time they admitted to me that yes I guess there wouldn't be any money left or to do negotiations with the other creditors for two more years. I said, well I could have been paying them and you kept telling me not to and kept telling me to wait. I asked that they took notes of the call and make sure to state all that was said. I was scammed big time. I had made several calls to them throughout the process only to be told the same thing, they are working on negotiations. but they were not. I lost a ton of money, I lost my good credit, and I am now in a worse situation because I don't even have the credit to get a loan to help me pay off my debts. I have cards that I did not submit to them in good standing, and I am so happy I didn't. I can't believe this happened to me.