23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ. 

XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy. 

XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call. 

XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX  Account Number : XXXX Inaccurate Information : Monthly Payment : XXXX and XXXX report {$4700.00}, while Equifax shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : XXXX and XXXX list XXXX  months ; Equifax inaccurately lists XXXX. 
Date Last Active : XXXX : XX/XX/2024 ; XXXX : XX/XX/2024 ; Equifax : missing date altogether. 
Two-Year Payment History : XXXX and Equifax show 120 days late in XXXX and XX/XX/2024 ; XXXX does not report these delinquencies. 
Comments : XXXX : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
Equifax : Real Estate Mortgage FHA mortgage. 
XXXX : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice.

The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement.

15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have never authorized those companies to approve or view my credit report. These fraudulent accounts should be removed immediately. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Checking or savings account

We have used mobile deposit for years and made very large deposits. We deposited a check on Sunday and it should have been available today. It was not. 
This is unacceptable. We called the bank customer service as well as the branch and every person let us know there was nothing they could do, saying things like I will get a manager but like I said we can not call to verify funds, etc .... how is this customer service? Its our money not the banks money. 
We also asked why the check was being held, no one could verify why and if there was a funds issue on the other end because its all " electronic ''. 
Well then you should be able to see electronically what the issue is, its a lie they know and they should be able to call and we will be closing our account. 
We want this resolved immediately. It does NOT take eight days to figure out if a check can clear on electronic systems. What a racket to collect interest on peoples deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. The letter was sent over 50 days ago and I have not received a response yet. It seems like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted immediately. I demand these accounts be delete it immediately or I will have no other choice but to file for litigation due to the stress you caused me and my rights that have been violated. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

My name Is XXXX XXXX. I had a amazon store card with Synchrony Bank with account ending in XXXX. They stated my closed my account due to 2 sent back payments. I stated I was in the hospital with covid and almost died but I pulled through and lived. I have been with synchrony bank for 3 years and have not missed a payment till now. The last thing I would be worried about is paying a bill while on my death bed, but soon as I got out I called to correct everything. They closed my account without my consent and still want me to pay. Im pretty sure that is a form of discrimination and extortion. I demand they open my account back up. I been a loyal customer to them, then in my time of need, they stab in my back. I already know they gon na write in their response that the contract states something about if you miss 2 payments they can close your account, But the UNITED STATES CODE says that they cant close my account without my consent. Im pretty sure the federal code supersede any and all of your rules. And to be honest the contract is not even binding because its only one signature on it and its mines. Synchrony Bank needs to open my account ASAP due to them violating my consumer rights
Product: Credit reporting or other personal consumer reports

As a customer of Experian credit services, I am deeply disappointed with the lack of proper updates to my credit profile. Despite providing documentation that clearly shows fraudulent charges on several accounts within my credit report, your company has failed to take action. Other credit services have successfully removed these accounts, yet Experian has not. This is unacceptable and must be rectified immediately. I demand that all fraudulent accounts be removed from my credit profile without delay, as these charges and transactions are not a reflection of my financial responsibility. It is imperative that Experian fulfills its duty to accurately represent my credit history. 
all credit companies remove these following accounts Remove Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowingly reporting my personal information wrongly even though Ive sent government documentation multiple time as proof showing their inadequate reporting. It is my understanding standing that a lawsuit was file against Experian and was order to pay fine of millions of dollars for intentionally refusing to remove inaccurate name & addresses others disputing also like myself for the sole purpose of financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for on purpose.
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. XXXX 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 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 any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following is a fraudulently furnished inquiry. 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 they are not removed, I will hold XXXX 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 can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand they be deleted in XXXX days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Debt collection

In XX/XX/XXXX I had ordered via online XXXX XXXX   service. The service was available through their online system. When the tech came to do the installation he had informed me that I was not able to receive this service and that all the ports were full. I had reached out to XXXX and was told that the service was in fact available and rescheduled for a new installation date. The 2nd tech came out and once again told me that I could not receive the service as all ports were full. I reached out to XXXX 's customer service yet again and she talked to the dispatch unit only to tell me what the tech had already told me in the first place. The service was cancelled as I was NOT able to obtain it. In XX/XX/XXXX I received a credit alert that a new collection was on my credit report from EOS CCA. After doing research and filing a complaint through XXXX it showed XXXX being the original creditor for a debt of {$35.00} for the service that was not installed and cancelled the day the tech came out. I filed a complaint against XXXX on this very issue through the XXXX  and had a call from XXXX from XXXX XXXX XXXX department about the complaint. He left a message for me to call him back. I tried reaching out to him and gave him a good time to reach me via voicemail. Since then, I called him back 3 more times leaving 3 different  voicemails only to never hear from him until the day they replied to the XXXX complaint. Their response was they could not get in contact with me. I rejected this response and argued my side with them explaining this as well as the position they put me in. I have attached everything from the XXXX to EOS as well as XXXX. XXXX 's final response was that I need to get this corrected with EOS since they no longer own the account. My argument is this account should have never been sent to collections in the first place as XXXX is the root cause to this problem.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX this Loan or Mortgage has been assumed by my ex-wife. I am no longer responsible for this loan and or mortgage. I have since requested that shellpoint mortgage service update and reflect on all credit bureau 's and remove this account from my credit reports. as of XX/XX/XXXX they have not removed this information from my credit reports. this is holding me up from purchasing a new property. My ex-wife has also stated they have not reported this information to reflect on her credit report to show her as the new owner. they have modified all of the new information for the Loan but not removed the old information I have requested several times. its been XXXX months and they are still reporting to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a {$820.00} settlement on XX/XX/2022 towards an account that was with Fortiva Retail Credit. I have disputed this account with XXXX and Fortiva has refused to update my Credit Report to Legally paid in full for less than the full balance. Yet they just refuse to update my credit report at all. This was what the XXXX representative has told me on my phone call XX/XX/2022 at XXXX. 

On XX/XX/2022 around XXXX I called Fortiva as I saw the results of my dispute and nothing was changed or updated. The woman on the phone refused to help and kept saying call the 3rd party company that bought my account. I explained this was paid to them ( XXXX XXXX ) and they advised me that Fortiva would handle updating my credit report. Another woman got on the phone also and just kept saying call another company. I asked to speak with the credit reporting department and they refused. XXXX told me they do not update Credit Reports at all. It is Fortiva Retails job and they would. 

I have paid this responsibility and would like Fortiva Retail Credit to do their job and update my credit report as every other company in America does when you pay off your account. It is hurting my credit score.
Product: Checking or savings account

On XX/XX/XXXX I contacted Bank Of America regarding multiple charges coming out of my checking account via debit card transactions. The merchants are XXXX XXXX XXXX, and XXXX XXXX Dated from XX/XX/23 XX/XX/23, XX/XX/23. The rep stated that from all the charges the claim total was {$290.00} They have even went as far as removing the transactions where I can't see it reflecting on my account as duplicates.The representative stated she would escalate the claim for me to get my funds the next business day or or it could take up to 3 business days to get my credit back. I called to see why I haven't received anything they told me to give 3 business days. I called at 3 business days and the rep stated she would do a hardship request for me to get my money and that it could be available by midnight if approved. On XX/XX/23 I called and the rep stated that claim show as being resolved and that a credit for {$290.00} Was being credited but it want in my account. She askrd me to call back and speak to claim dept. XX/XX/23 I called the claim dept they stated that the claim show as being credit but transferred me to another claims credit dept the rep stated the claim show as still being researched. When I look at the claim via online banking it show as being closed. Bank Of America had only refunded about {$30.00} of the money owed. They know that charges are fraudulent had me to open a new account and lied to me saying they would refund the money. They are scammers and need to be shut down.
Product: Debt collection

What happened? -- This debt collector engaged in abusive, deceptive that we didn't agree upon and I didn't sign an agreement on a legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 


What would be a fair resolution to the issue? - I demand this company to delete the account from all three credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Manager stated he wasnt aware of credit being pulled and told me he couldnt do anything about it XXXX XXXX XXXX : XXXX XXXXXX/XX/XXXX Spoke with XXXX a representative who referred me the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ComenityCBXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and this statement is being written by me. Per Fair Credit Reporting Act 15 USC 1681 section 602A states ; I have rights to privacy. According to 15 USC 1681 section 604A Section 2, consumer reporting agencies can not furnish an account without my written instructions. US Code section 1681C-2 states a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. These accounts should not be listed on my consumer report as they are in violation of 15 US Code 1681. I never gave any consumer reporting agency written consent/instructions to report anything on my consumer report which violates my rights as a federally protected consumer. Additional Unauthorized hard inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 's Response Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your dispute you indicate that a consumer reporting agency can not furnish an account on your credit report without your written instructions. You are requesting these items be removed. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your XXXX credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review on XX/XX/2022. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. 

You told me that the companies verified the accounts. I need to know the person and department that verified along with their position and their contact information. I will give you 15 days to get this information. I will have to litigate if the information i am requesting is not given to me or either you remove all of the information that is violating my consumer rights.