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

I have identified credit inquiries which should not exist on my credit report, because 1. ) I did not authorize them ; or 2. ) they were executed fraudulently. I have contacted TransUnion on numerous occasions to investigate and then remove. To date, such actions have not happened.
Product: Credit reporting or other personal consumer reports

i sent a dispute to equifax going over some personal information that isnt mine they have yet to respond to the matter and removed this information that is not mine.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

On XX/XX/XXXX, I was sent a letter from the Law Office of Brett M. Borland, P.C., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX  and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX  that my credit score dropped. I went online and saw the debt collection company " XXXX XXXX XXXX XXXX '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of Brett M Borland and the company " XXXX XXXX XXXX '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX  to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 After trying to dispute a credit card by Synchrony Bank that was in my name in the amount of {$1200.00} with XXXX, they decided the information was correct even though I have never owned a credit card with Synchrony Bank on my report. 

My address that I use is incorrect, and I have never signed any agreement allowing Synchrony Bank to open a credit card in my name. 

When attempting to reach out to XXXX over the phone ( which is what they require ), it is impossible to speak to a human to add details to my dispute and go over the fraudulent information. Now due to a result of incorrect reporting, Synchrony Bank is consistently damaging my credit, therefore rendering me unable to rent an apartment in my city. 

I have worked extremely hard to keep good standing credit, and prevent fraud in my name which has happened in the past. Synchrony Bank is known for having shady business practices, and unsecure/unfair credit reporting which is why I have never chosen to bank with them. 

Attempting to speak with someone from Synchrony Bank who is competent or speaks any fluent XXXX is impossible, and they are immediately unwilling to assist without certain information that I do not have knowledge of. 

I would like to hold XXXX responsible for the damages occurred as well as Synchrony Bank. If the report is not fixed in the future, I will be taking legal action to clear my name so I can freely rent and apartment in my city.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account # XXXX was properly investigation but how is that possible if the account is inaccurate. I had called XXXX that is the number to the us department of education. I had spoken to a representative & she had ensured me that the student loan for this account was cancelled/refunded back to the department of education back in 2015. She also ensured that this student loan does not exist & shouldn't be reporting on my credit report. she told me i had dispute it with the credit bureaus. This account is negatively impacting my credit score and with me trying to obtain a house. This is ground for removal they also violated my rights under. 

15 USC 1681 section 602 A : Sates I have the right to privacy.

15 USC 1618 section 604 A section 2 : It's also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I XXXX XXXX was the seller of XXXX XXXX XXXX XXXX La XXXX. The house went under contract on XX/XX/XXXX and scheduled to close on XX/XX/XXXX. The buyer of the home used wells fargo as their mortgage company. On Thursday XX/XX/XXXX Wells Fargo demanded that the seller ( XXXX XXXX ) submit the fully executed closing disclosure from the original purchase of the home. I found this request to be strange and after contacting the title company they advised me that this information was personal and not required. Because the home was off the market under contract and needing to be sold the information was reluctantly provided. An email with the information was sent to XXXX XXXX XXXX on Friday XX/XX/XXXX and he was unable to receive the emailed information until MondayXX/XX/XXXX. Once the document was reviewed, XXXX requested a clean payment history from the seller 's mortgage company ( XXXX XXXX ). I found this demand to be more excessive and unreasonable then the first especially since the title company had a payoff on XX/XX/XXXX from XXXX XXXX the mortgage company of the seller identifying the amount needed to establish clear title and transfer of title. I find these actions to be discriminatory, intrusive and unprofessional. An investigation into the amount of mortgages that are closed by Wells Fargo where the closing disclosure and payment history of the seller is required should be conducted.
Product: Credit reporting or other personal consumer reports

This is a formal demand for the immediate removal of inaccurate, incomplete, and unverifiable information from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). XXXX, XXXX, and Exeter Finance have violated FCR

A 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they reported. This inaccurate information has harmed my credit profile and must be deleted without delay.

Under FCRA 1681i ( a ), credit reporting agencies are required to delete any disputed information that can not be verified. Exeter Finance, as a furnisher of credit data, has further violated FCRA 1681s-2 ( b ) by failing to properly investigate and correct this inaccurate information. Additionally, if this information was reinserted after prior removal, this action was taken in violation of FCRA 1681i ( a ) ( 5 ). You are required by law to immediately remove all inaccurate and unverifiable data from my credit report and ensure that no further violations occur.

Failure to comply with this demand will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to seek legal action to recover statutory and punitive damages for your ongoing violations of the FCRA. This matter must be resolved immediately to avoid further action.
Product: Debt collection

XX/XX/2019 XXXX sent me an alert that someone altered my credit file. The company that altered my credit file is Enhanced recovery company. They never sent me any correspondences regarding collections. I reported my concerns with the attorney general in XXXX, florida. I tried calling Enahnced recovery company and request that they send me a signed signatue proving I was the one responsible for this account. I hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Mortgage

I am a XXXX  resident, jointly owning a condo ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with my wife. I was a Mr. Cooper ( Formerly known as Nationstar mortgage ) customer from XX/XX/XXXX until XX/XX/XXXX. They were my mortgage servicer. During my refinance in XX/XX/XXXX, XXXX XXXX ( new servicer ) informed me that no property taxes were paid on my behalf in XXXX by Mr.Cooper. This confused me as Mr.Cooper said, in writing, that they paid my XXXX and XX/XX/XXXX property tax payments ( {$2200.00} and {$110.00} respectively ), which were taken out of my escrow account ( i have a paper trail! ). These payments were NEVER applied to my property tax bill. This is because Mr.Cooper incorrectly paid my neighbors property taxes ( SSL XXXX XXXX ) from my escrow account, which I confirmed on a call with a Mr. Cooper representative. As such, my XXXX property taxes ( Property XXXX XXXX XXXX ) were not current and I've incurred {$220.00} of penalties and {$330.00} of interest ( see tax bill attached ). I have called Mr.Cooper over ten times to rectify the issue and nothing has been resolved. I have submitted a XXXX XXXX  XXXX  complaint, a XXXX  complaint and now this complaint. Additionally, I will continue to pursue greater legal action if this is not resolved, as I have already spent over 50 hours of my time on this matter.
Product: Debt collection

Portfolio Recovery Associates called me at XXXX at night, refused to identify as a debt collector, and refused to send debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked & submitted documents supporting my case of fraudulent inquires on my credit report & Equifax neglects refuses to correct the issue. They claim they removed the items but there still showing up on m credit report.
Product: Credit card or prepaid card

I received a card from XXXX thru Comenity Bank that I did not apply for. Within days, I received a letter stating that there were " potential security concerns ... ''. Because this is the SECOND issue of this nature with cards being issued fraudulantly in my name, I want this account closed.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE ALL REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THESE ARE THE LIST OF FRAUDULENT ACCOUNT THAT ARE BEING REPORTED ON MY CREDIT REPORT : XXXX XXXX XXXX : XXXX no : XXXX Balance : {$51000.00} XXXX XXXX XXXX : Date Opened : XXXX XXXX, 2021 : Balance : {$50000.00}
Product: Vehicle loan or lease

XXXX, I reached out to Southeast Toyota Finance ( SETF ) to begin the process of getting my XXXX XXXXXXXX XXXX registration transferred to XXXX XXXX after moving there from XXXX XXXX More than a week later, on XX/XX/XXXX, I received a letter from SETF advising that, before registering or titling my vehicle in XXXX XXXX I had to make full payment of the Sales/Use Tax in the amount of {$83.00}. I did so immediately, mailing the check in the pre-addressed envelope provided, the next day. It took 11 days for SETF to receive and process my check. Furthermore, the check was applied to my lease instead of the XXXX XXXX, and further delayed the process. In the meantime, the XXXX sent me a letter informing me that my XXXX registration would be suspended as of XX/XX/XXXX, as my vehicle was no longer insured in the state. In conversations with half a dozen SETF representatives, I made it quite clear that I needed the Title and other relevant paperwork no later than XX/XX/XXXX, because I had an appointment with the XXXX XXXXXXXX to get the XXXX registered on XX/XX/XXXX. They sent me a XXXX XXXX of Attorney and a photocopy of the title which I learned XXXX wouldn't accept. After speaking with XXXX different people in XXXX different departments on Friday XX/XX/XXXX and Monday XX/XX/XXXX, and hearing half a dozen different stories as to why I couldn't/would n't get the original title before being told it would be overnighted... yet it still hasn't been received ( or sent ), and I have been left with an unregistered vehicle as of XX/XX/XXXX. The lack of urgency and the level of institutional incompetence is criminal.
Product: Credit reporting or other personal consumer reports

Good day, my credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information id theft gov po report to XXXX XXXX
Product: Debt collection

We received medical services from a XXXX  on XX/XX/XXXX. The lab sent a bill for {$30.00} and we promptly paid the bill in full on XX/XX/XXXX. The lab disputed that the bill had been paid. We submitted proof of XXXX payment to their billing service. The next thing we heard was from Credit Collection Services LLC ( CCSUSA ) Financial Services by mail on XX/XX/XXXX that we were in collection for non payment. We called them several times and sent our proof of payment by mail. They continued sending collection notices. We called them today, XX/XX/XXXX, and they told us they had no record of us ever contacting them. We spoke with a supervisor and he told us to send our documents to them again, for the third time. We told him we were filing a complaint against CCSUSA Financial services.
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$71000.00} which was an insurance settlement from a workman 's comp injury. The check has long cleared the bank the funds are in the account the bank is holding the money now but they're not allowing me to use my funds. They've created an extra process that the check writer is not asking and that is what has created ahold up of my money. It has been 14 days now And the check has cleared for a week already the bank is holding my money the check is cleared and they're just still denying releasing my funds I've spoken to management on 3 days in a row and several employees I have some names documented along with times. The problem is with Chase Bank.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful nonco
mpliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Hello, I successfully paid the balance owed to Convergent Outsourcing , Inc. on XX/XX/2022 and have documents to prove that. They continue to call me asking for money, when I have clear correspondence from them stating that it has been paid in full. They refuse to resolve the matter and remove the alleged debt. Please advise. 

I paid them a total of {$850.00}. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are inaccurate and incomplete. The presence of these accounts on my credit report is damaging and must be removed. I respectfully ask that this accounts be investigated and removed from my file.
Product: Credit card or prepaid card

On XX/XX/2022 I gave a birthday party to myself at the XXXX XXXX restaurant on XXXX XXXX XXXX, When I gave the owner XXXX XXXX MY Citi Card Master credit card for the payment of XXXX dollars, the card was " declined. '' So, I gave XXXX XXXX my XXXX XXXX XXXX XXXX, and that card was " authorized ''. When I received the XXXX XXXX XXXX card bill in XXXX I paid it. But, a few weeks later I received a bill from Citi Card for the same amount. I called Citi Card and disputed the charge, explaining their card was declined and that I had paid XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX party. They asked for proof. I sent them a copy of the receipt that indicated the decline status. After many communications and copy of the XXXX XXXXXXXX bill between me and Citi Card they told me to get in touch with the merchant .I called XXXX XXXX on his cell number ( XXXX ) at the beginning of XXXX and left a detailed message of the problem but have not heard from him. I went on line of his restaurant to find that after many years in business on XXXX XXXX he was closed permanently.., I continue to get billing from Citi Card . I contacted the XXXX consumer protection Office and they told me it was a FDIC problem .The FDIC referred me to you. Please help/ Citi card charges me interest every billing period.
Product: Credit card or prepaid card

Purchased new appliances from JC Penney XX/XX/2020, after speaking with the store rep in the greater XXXX XXXX area, and section manager we were told to sign up for the store Credit card. We did. we were also told at the time that any interest charged when promo period expires would be on balance owed NOT entire balance over time. Auto payments were set up and processed. while setting up auto payments I called for assistance and was told over the phone that yes interest would be charged on any outstanding balances only. XX/XX/2020 statement shows interest was charged on entire amount, in the amount of {$1400.00} when the owed balance was approx {$670.00}. I was not notified promo period was expiring either. called in for resolution however was told there is nothing that can be done to reverse the fee or even correct the fee and that my only resolution was a {$39.00} credit with no one else to contact. I was lied to twice. I took notes and have them for my reference.