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

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update/remove of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against the credit reporting agencies and the creditors involved for failing to respond appropriately to my dispute, which I originally submitted on XX/XX/2024. Despite my lawful request under the Fair Credit Reporting Act ( FCRA ) for full debt validation, I have yet to receive any documentation proving that I authorized these debts, including my signature or any agreement permitting these companies to collect debt under my name. 

I followed the proper dispute process by submitting certified dispute letters to TransUnion, Equifax, and Experian, specifically requesting : Verification of the alleged debts, including signed agreements proving my obligation to pay.

Immediate deletion of unverified or inaccurately reported accounts, as required by FCRA.

Correction or removal of any outdated, misleading, or unverifiable information.

However, as of today, I have not received any of the requested documents, nor have the disputed accounts been removed or corrected. This blatant disregard for federal law has not only caused unnecessary financial hardship but also continues to damage my creditworthiness, limiting my ability to secure loans, housing, and financial opportunities. 

FCRA Violations Committed : Failure to validate the debt under 15 USC 1692g ( b ) No proof has been provided that I legally owe these amounts.

Failure to correct or remove inaccurate information under 15 USC 1681i ( a ) The bureaus have failed to investigate and update my credit file within 30 days.

Failure to provide supporting documentation under 15 USC 1681s-2 The creditors have not substantiated their claims. 
Due to this non-compliance, I am formally requesting CFPB intervention to enforce the removal of these unverifiable accounts from my credit report. If the credit bureaus and creditors fail to take immediate corrective action, I will be left with no choice but to pursue legal action for willful non-compliance with the FCRA. 

I appreciate your urgent attention to this matter, as these errors have negatively impacted my financial stability. Please provide a formal response detailing the actions that will be taken to resolve my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax emailed me saying the results of my dispute would be available online until XX/XX/2022. The confirmation # of the dispute is XXXX. Whenever I try to download/print the results, I get the message " Oops. Something went wrong. Please try again later. '' It has never worked for me ; I have tried to get the results everyday since XX/XX/2022. I called the Equifax help line. I was told this is a known issue, there is no fix, and to try it again later.
Product: Debt collection

I have an open account with CareCredit managed by Synchrony, who I've historically paid off debts with before. But I recently changed jobs so my pay schedule changed and screwed up my entire monthly schedule. I've been trying to sort it out but I still didn't have my deductions yet and needed to make sure I didn't overspend and miss rent. My account with Synchrony for the balance was 9 days overdue and last week they started harassing me. Between XX/XX/22 and today XX/XX/22, they've emailed 4 times, texted 3 times, and called ( with voicemails ) 3 times - all of this was automated. I had missed a {$30.00} payment and it was only due XX/XX/22. Furthermore, that doesn't include of the physical correspondence they've sent by mail. What's worse is that when I called back angry after being woken up on a Sunday, the 3rd day in a row, it was very difficult to get past the automated system to a person. Their number goes straight to a relentless AI system. And while the rep I spoke to was very kind to me, I told her that I had protections under the law from harassment and I could withdraw consent to receive calls. I was told by the rep that the calls would continue unless I paid or specified a date that I could pay, and that Synchrony does this knowingly to distress people until they pay even if they don't realistically have the means. I understand that this debt is mine and I'm trying to problem solve but I will not be harassed and bullied over a {$30.00} payment. We are people and unexpected problems happen to everyone. These companies get away with the most abhorrent practices and spit in the consumer 's face - I mean this is medical debt for XXXX 's sake. And I'm very much not out of the woods right now. Perhaps if they would use business tactics that align with human behavior more efficiently, they wouldn't have to harass and threaten people into paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THE ACCOUNT WITH THE COMPANY AND THE CREDIT BUREAUS.
Product: Credit card or prepaid card

Our Wells Fargo Visa card was charged on a card number that had been closed. We closed this card because we began to question the integrity of our contractor. Visa authorized the charge on the card that we had closed.

We hired a contractor ( XXXX XXXX XXXX - XXXX, GA ) to paint the exterior of our home. We paid a deposit of {$2100.00} ( on our WellsFargo credit card ) on XX/XX/2018. The contractor ( XXXX XXXX XXXX - XXXX, GA ) did not finish two portions of the job.

Number one he debated that they provided this service, even though it is detailed in his proposal. Number two, the contractor admitted that this was never completed and he agreed that it would be taken off of the final balance.

1. Perform complete and extensive surface preparation including sanding of all peeling paint and re-glazing of all windows where glazing is loose and/or missing. ( Part of the Painting portion of {$3600.00} ) 2. WOOD REPLACEMENT = {$570.00} Replace ( 2 ) 2x10 on garage. Replace ( 2 ) 1x4 on front garage. Replace 27 feet of lx8 and drip cap on right side. Replace 1 sill nosing with PVC on front right lower window Replace 16 feet of fascia on right side On XX/XX/2018, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged another {$2100.00}. The job was not finished and not signed off on. Plus, he charged us the full balance when items one and two were not compete. The total job was XXXX less the deposit of {$2100.00}, less {$570.00} ( wood replacement - which was not done ), the total should have been {$1400.00}, when the glazing was complete. So, complaint is two fold. First, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged the card without authorization and without completing the project. Second, he overcharged the balance by {$700.00}.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I cant understand why. I always review my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it could be a glitch, but the inaccuracies remained. I'm pleading for the documents I provided to be carefully reviewed so I can stop worrying about this ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the validity and accuracy of a collection account reported by XXXX XXXX XXXX on my credit report. I have noticed that this collection account is associated with my name, but I have valid reasons to believe that it is inaccurate and does not correspond to any debts or obligations that I am responsible for. Upon reviewing my credit report, I found the presence of this collection account, despite having no knowledge or records of any outstanding debt owed to the creditor listed. This discrepancy is deeply concerning as it could have negative implications for my financial well-being and creditworthiness. I am formally requesting that XXXX XXXX XXXX conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of documentation and evidence substantiating the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other pertinent information. It is my expectation that this matter will be approached diligently and impartially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I did not authorize this inquiry
Product: Debt collection

I was received a letter from XXXX XXXX XXXX for XXXX XXXX of Maryland stating plaintiff : XXXX XXXX XXXX , XXXX has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX XXXX on XX/XX/XXXX. for a single unit property located at XXXX XXXX XXXX XXXX , XXXX , Maryland XXXX. 

I believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of Columbia in which Maryland was one of the states who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XX/XX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items indispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Product: Debt collection

Subpoena was improperly served and handed to my roomate and falsified to say it was handed to me when it was not. so a judgement was made without time for me to properly dispute and represent myself.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding case of XXXX XXXX that has severely impacted my financial stability and personal well-being. Despite repeated attempts to rectify this matter, I have yet to receive appropriate resolution from your bureau. This situation demands immediate attention and action from your end. On XXXX XXXX 2024, I became aware of unauthorized transactions and accounts appearing on my credit report. After thorough investigation, it became apparent that my XXXX had been XXXX compromised, resulting in fraudulent activities under my name. These unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These fraudulent activities have not only tarnished my credit history but also subjected me to financial liabilities that I am not responsible for. Despite promptly reporting these discrepancies to your bureau and providing all necessary documentation to prove my innocence, I have encountered significant delays and bureaucratic hurdles in resolving this matter. The lack of urgency and accountability demonstrated by your bureau in addressing this aggressive XXXX XXXX  is unacceptable. It is imperative that immediate action is taken to : -Remove all fraudulent accounts and transactions from my credit report. -Initiate a thorough investigation into the origins of this XXXX XXXX  and hold the perpetrators accountable. -Provide me with regular updates and transparency regarding the progress of resolving this issue. Furthermore, I demand that your bureau take proactive measures to enhance security protocols and prevent similar incidents of XXXX XXXX from occurring in the future. XXXX XXXX is a serious crime that can have devastating consequences for its victims, and it is your responsibility as a credit bureau to safeguard the interests of consumers.
Product: Checking or savings account

So I deposited a money order on XX/XX/year>, and it told me that it would be cleared until XX/XX/year>. Which was annoying but fine until they restricted my account on XX/XX/year>, which stopped my paycheck from depositing. Now I don't have access to any money. I called them, and they told me it was going to take one or two business days. Which was today XX/XX/year> all of my funds are in my account and it is still restricted. I called them yet again and they told me they can't clear my money order even though I have the receipt for it and they will give me a cashier 's check for pay check and send it thru the mail and I need my money 3 days ago now got ta wait XXXX know how much longer
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I reached out to the 3 major Credit bureaus XXXX, Equifax, and XXXX to fix an incorrectly reported item ( XXXX XXXX XXXX - {$3300.00} ) on my credit report. Each bureau claimed to have investigated the claim with XXXX XXXX XXXX and verified it. 

This is impossible however because between the time of the debt being reported and the time of the investigation, Id worked directly with the Original Creditor to address a number of issues and overcharges ( proof attached ) In XXXX of XXXX, I reached out to XXXX, Equifax, and XXXX by certified mail with a return receipt to show them proof of this incorrect account and request it be removed. To date, I have not received a reply. 

I have had a number of my rights violated in the handling of this dispute, namely ; 1 ) My complaint was not answered within 30 days as required in the FCRA. The incorrect item must now be deleted.

2 ) Section 611 ( a ) ( 1 ) of the FCRArequires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. This never happened. If It had, my file would have been updated.

3 ) Section 611 ( a ) ( 3 ) requires prompt deletion of item information from the file of the consumer when proven to be inaccurate. 

I shared proof with the CRAs ( attached hereto, I've withheld their name in case a lawsuit against the CRA 's becomes necessary and they need to be called as a witness ) that clearly shows the Original Creditor made changes to my ledger AFTER it was reported to my credit file. Any reinvestigation would have resulted in a corrected account. 

I am requesting this account be deleted immediately from XXXX, Equifax and XXXX report. 

If this account is not promptly removed, my next course of action is to file a lawsuit as I am entitled to damages due to the CRAs negligentfailure to comply with its obligations under the FCRA. 

I intend to seek : - actual damages of the harm and opportunity loss this irresponsible reporting has cost me - attorneys ' fees and costs. ( 15 U.S.C. 1681o ). 
- punitive damages for the willful disregard of my rights. 

I appreciate your time and attention and look forward to a prompt resolution.
Product: Credit card or prepaid card

I was on credit karma and was denied 3 times for a credit card when they stated I was pre approved
Product: Credit reporting or other personal consumer reports

My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. 
I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage.

Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over 25 transactions through negatively reporting my non public personal payment history.

I also reached out to U.S. Bankruptcy Court Utah District who also says they are not affiliate with ANY credit reporting agency. 


15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. 

XXXX XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$84.00} Inquiries included in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 A. section 602A. States I have a 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.
Product: Debt collection

RGS Financial continues to contact me and are hideously rude and XXXX. They asked me intrusive questions and then gaslit me.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> the web administrator refuses to submit application for credit line. The application web administrator says it's unable to accept applications against federal equal credit opportunity act. I am sole reliant on federal equal credit opportunity act for finances and I am unable to fund account.
Product: Credit reporting or other personal consumer reports

To my shock and disappointment, I discovered tonight that my credit report has incorrect accounts listed, and Im completely at a loss as to why. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser to see if it was a technical issue, but the errors persisted. I urgently need the documents I've submitted to be thoroughly reviewed so I can stop worrying about this problem.
Product: Vehicle loan or lease

2 payments of {$300.00} were taken out of my account on XX/XX/XXXX. I only authorized 1 payment of {$300.00} for my XXXX car payment with Ally. I called and was told it was a mistake and I would be refunded one of the payments and the other would be applied to my account. After 45 days, I received a notice that my account was past due. Each time I call, I am told that is because I was refunded for my XXXX payment so that my account was no longer in good standing since I missed a payment. I have to explain each time I call my situation and that I was double charged. Each time I call, I am told I missed a different payment ( sometimes I am told XXXX and other times the representative guesses a different month ). Finally, I faxed and emailed my bank statements on XX/XX/XXXX to show the double payment and then only 1 refund. I called and was told they were never received and that I sent them to wrong fax number. That happened multiple times. Finally, it was confirmed that my fax was received on XX/XX/XXXX and that it would take 24-48 hours to review. I called after 48 hours and was told it typically takes 3-4 business days and someone will contact me. No one ever called me. I called in again and was told it was being worked on and to call back in 2 days. I did this multiple times. I finally spoke to a woman that let me know that my extra payment was probably applied to my principal and it would need transferred to my balance due and she transferred me to another person. This never happened. Today, on XX/XX/XXXX, I called in to ask for an update and no one had heard of my case. I had to re explain what happened and the representative told me he filed a claim to investigate. This is now 16 business days after Ally has received my bank statements by fax. I can not keep explaining my situation, as this company is not diligently working on getting this resolved.