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

Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ]. I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritorious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. Thank you. Enclosures.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed the incorrect information on my file with upgrade
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple dispute letters to the company and credit bureaus and they are still reporting.
Product: Debt or credit management

Dear XXXX XXXX, I am writing in further response to your letter dated XX/XX/2023, regarding accounts ending in XXXX and XXXX. While I appreciate you taking the time to respond, I believe there are certain XXXX XXXX XXXX and federal regulations that require you to provide validation and accounting of these accounts. 

Pursuant to the Uniform Commercial Code ( UCC ) 3-501 and 3-505, as the account debtor Synchrony Bank is obligated upon presentment to provide validation and evidence of the accounting and status of the loans, or otherwise provide notice of dishonor. Furthermore, under 16 CFR 433.2 of the Federal Trade Commissions Holder-In-Due-Course Rule, Synchrony Bank must provide notice to the consumer of any assignment or sale of the debt and preserves the consumers rights to demand documentation and proof of claim from the original creditor. Bear in mind that my financial instrument was securitized via Synchrony Card Issuance Trust. Your XXXX XXXX XXXX XXXX XXXX has a fiduciary duty to shareholders as trustees of the Trust, thus must uphold UCC servicing laws. 

As per 12 CFR 226.17 of Federal Reserve Regulation Z and 12 CFR 1022.121-1022.122 under the Fair Credit Reporting Act, I demand a full verified accounting of the current balance owed, as well as documentation fulfilling the error resolution and loan record furnishing requirements for any account information furnished to credit bureaus or third parties. 

Additionally, pursuant to UCC 9-210 Synchrony Bank must provide an accounting of the unpaid indebtedness for these credit agreements secured by collateral. In summary, failure to provide the requested validated proof of claim and accounting of the status and payment history for these accounts constitutes breach of Synchrony Banks legal obligations under the stated federal and uniform commercial statutes.

Additionally, 673.1041 of the UCC preserves my rights to discharge debts through alternate forms of payment. Any 1099-C, 1099-OID, or 1099-A forms Synchrony Financial files with the IRS regarding my account must also be provided to me as the consumer for accurate tax reporting, for any canceled/discharged debt over {$600.00} ( per IRS rules for Form 1099-C ). Failure to provide these forms constitutes as tax fraud. I am requisitioning valid proof of the claim notarized under penalty of perjury of the accounting on the public and private side of my account. 

As asserted in my previous letter, UCC 3-601 preserves your rights as original creditor to collect on or settle these accounts regardless of their charge-off status. Thus, I formally request settlement and closure of these accounts by payment to your institution, as the originating creditor and security holder. Please confirm within 30 days your willingness to accept payment and validate these debts under the required commercial laws. 

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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. 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.
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 {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

it all started with the day before XX/XX/year> Trying to get a free credit report from Equifax, Even though I have already been disputing inaccuracies on my report. Called today on XX/XX/year> 4 separate times, to continue to get a run around about seeing my credit report and score. They are refusing my rights to and denying me access to my personal credit report and score because I choose to call them and ask for a copy. Now I do not have any access to my credit report on any platform since XX/XX/year>. 

Nobody from when I called at XXXX XXXX XXXX  talked to XXXX got transferred to Supervisor XXXX XXXX called dropped. Had to verify my information, each time I called by showing the front and back of my ID and taking a picture of myself each time, I talk to someone at Equifax. Then I talked to someone at XXXX XXXX XXXX  named XXXX XXXX said that he was unable to transfer my call but still did it and I talked to a supervisor named XXXX. Called back at XXXX XXXX Not able to still log in to my account, Talked to XXXX then I was transferred to a supervisor XXXX and I had to verify all my information again. 

Still no resolution, but they can tell me what's on my credit report. I just can not see it since XX/XX/year>. All the other times I was able to see it. Then I called back at XXXX XXXX XXXX. talked to XXXX customer service rep. I Tried to dispute my address and I was denied. I asked how so. Not knowing what's on my credit and not able to dispute these inaccuracies can cause me to be denial in credit, Have a high interests rate on a loan and even a denial of job if I apply to another one, or even getting an apartment. 

This should not be happening, they are just doing illegal practices. I even told them that the other credit bureaus are showing accurate information, but not this company ( Equifax ) something needs to be done. They are refusing to cooperate and can not explained why all of sudden they took access away. They even have copies of all my information.
Product: Mortgage

Permanent layoff since XX/XX/2020 due to covid. I found out about the repayment offer from another bank. I called last year about refinancing and again this year. I was told they could not offer refinancing at this time. I will not be returning to work due to complicated medical conditions. I am getting the extra XXXX dollars on unemployment but as of XX/XX/XXXX this will be taken away. I will be drawing XXXX only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times and Equifax removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

XXXX XXXX Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. Equifax is continually allowing creditors who are unauthorized to access my information and this is against my rights.
Product: Vehicle loan or lease

I've made every payment in the first week of every month for the last 5 months. This bank is saying I am ten days delinquent for my XXXX payment but I have proof that I paid XXXX 's payment. I called today on XX/XX/XXXX and talked to two representatives who refused to help me and hung up on me each time
Product: Debt collection

For 10 years a collection agency, Reliant Capital Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, acting on behalf of the state of XXXX, has been trying to collect unpaid income taxes for XXXX in the state of XXXX. 

I have not lived in the state of XXXX  since XXXX. I have sent this company W-2s from my employers for XXXX showing that I lived and worked here in XXXX XXXX. I have sent this collection agency a letter from the power company showing that service was provided to me throughout XXXX here in XXXX XXXX. I have sent his collection agency paper copies of my power bills in my name at a XXXX XXXX address in XXXX. I have sent this company EVERY SINGLE paycheck stub ( 26 ) showing I was living and working full time here in XXXX  in XXXX. I have sent this company letters of employment verification from my employers during XXXX saying that I was living here in XXXX XXXX. I have sent this company a statement from my pension manager showing they reported me working full time here in XXXX XXXX in XXXX. 

For whatever reason they will not accept any of this documentation or tell me they never received parts of it. I have sent all of these documents to them multiple times ( mail, fax, email ) over the course of 7 years! Now they are trying to garnish my federal tax return. 

This needs to stop. Its getting way past the point of harassment. This has been going on for 10 years!
Product: Credit card or prepaid card

Citibank Best Buy credit card closed my account on XX/XX/XXXX and sent a letter to me XX/XX/XXXX. I used this card monthly and paid it on time. I only found out they closed it when I paid of the balance so I could make a larger purchase.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry Date 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
Product: Credit card or prepaid card

I had a floor put into both my living room and sunroom via Lowe 's using my Lowe 's Synchrony credit card.

Another Lowe 's contractor was installing a door on the sunroom last spring XXXX XXXX when he point out issues with the flooring that i didnt notice. 

I was immediately contacted by XXXX @ Lowe 's Install Team ( XXXX ) she has been trying for over a year to get the contractor to fix the floor. 

I started speaking with XXXX XXXX at the Presidents Office for Synchrony Bank ( XXXX ) there is a dispute on my card currently for {$2300.00} ( actual is only {$2000.00} ) for door and flooring issues. I was told by the company that NLT  XXXX they have an answer. 

When i reached out next someone from Lowe 's sent paperwork that the floor had been repaired by XXXX XXXX ( XXXX @ XXXX ) which is a bold faced lie and Ms XXXX reopened the claim and pushed it back to XXXX XXXX refused to do any warranty work against their spotty craftmanship cause it was done at 3 different times and they had sub-contracted out 3 different companies ( 1 was their own employee ) They do not want to repair the work at all! 

On XXXX, I spoke with XXXX XXXX XXXX with no real answer ( XXXX haven't talk with either since ) I went into the store and spoke with XXXX the GM ( XXXX ) He was not made aware of this issue that i had been fighting for over a year. 

He offered to look into and i have not heard back from him 2 months later. However on that day he did personally apply a {$500.00} credit on my Lowe 's account which covered {$250.00} against my XXXX XXXX check card, {$220.00} directly towards my issues, and the remain was $ XXXXwas as a round number. 

Prior to this I was totaling between flooring and door issues {$2600.00}. XXXX XXXX could not back me up due to the length of time i had been arguing with Lowes / Synchrony. 

{$2600.00} TOTAL XXXX account credit XXXX gift card XXXX account credit I still have an issue with a XXXX floor that I can not pay someone else to come in and RIP up a 2 year old floor and still pay off {$2000.00} on a card with no recourse
Product: Credit card

My husband is XXXX XXXX XXXX, and he was taken in by a " you won a big PRIZE! '' scam. The scammers told him to pay " fees & taxes '' and then demanded more and more, becoming very threatening if he did not comply. 

When I found out what was going on, I tried to stop it, but it was too late. He had already used credit cards to buy XXXX  of dollars of gift cards to " pay '' the scammer demands. 

All of this has been reported to the authorities. I obtained a power of attorney to act on his behalf, since he was not able to handle the situation. Using the POA, I contacted the credit card companies and asked them to delete the transactions he had made while being threatened and terrorized. 

They refused to honor my POA and they refused to delete the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF ED/XXXX XXXXXXXX US DEPT OF EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXXXXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.