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

In accordance with the Fair Credit Reporting act, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Debt collection

Credit Control LLC is refusing to send me proof of an alleged debt, refused to give business ID number and provided the wrong address ( correct address viewed on website ).
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Our mortgage was bought out by Freedom mortgage and it has been a nightmare. I've been trying to add an auto payment option for 6 months now but it always said account was delinquent so I wasn't allowed to. Customer service is ZERO help. Finally last month it magically allowed me to add it. Problem solved right? Wrong. They now say ti was never added and that my account was delinquent. They immediately sent a negative mark to all credit reporting agencies. I paid for the mortgage the next month with the missing payment but they said it was already over 30 days late. Due on XXXX paid on XXXX   of next month. Credit has taken a major dive. I wish we had a choice to transfer out ... looking into paying the refinancing fees to get out of this awful company.
Product: Debt collection

I have an auto loan originally with XXXX that has now been charged off and closed for {$15000.00}. I contacted Synergetic communications and spoke with a manager name XXXX and I had XXXX loss recovery rep on the line as well within this conference call. I told synergetic manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that Synergetic doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to XXXX for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with XXXX in the past but I wasnt able at that time due to XXXX XXXX and no longer working. I and the XXXX rep was told by Synergetic supervisor XXXX that they ceased the calling and communication on the account and that it depends on when XXXX pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the XXXX rep confirmed and verified with me that XXXX have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that Synergetic bought the debt from XXXX as a third party collection. She also stated to me that if Synergetic doesnt collect on debt that they would in turn sell the debt to another debt collection agency because XXXX is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because XXXX no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with XXXX directly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts were fraudulently opened in my name and do not belong to me : XXXX. XXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$910.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$470.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$470.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXXXXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX Dated : XX/XX/XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX  Dated : XX/XX/XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX  Dated : XX/XX/XXXX XXXX  Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dated XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to report to all three credit companies that I have a balance of upwards of {$110000.00}. My loans were forgiven through the public service forgiveness program. I disputed with XXXX and all three credit companies and XXXX continues to report the balance. This is a problem because I am trying to buy a house and this huge debt on my report is not accurate.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time there were unexpected discrepancies. I even refreshed my browser in case it was a glitch, but the issues remained. Please review the documents Ive submitted thoroughly so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXXXXXX XXXX XXXX  Bankruptcy : XXXX has violated my rights. 


I looked at my Experian Credit Report on XXXX XXXX and noticed things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error by retail store caused Fee 's on credit account from XX/XX/XXXX thru XX/XX/XXXX. I was never notified about any fees or minimum balance due and company never reported late payment s from XXXX but when I made payment to close account in good standing they then reported one late payment for XX/XX/XXXX which is incorrect. I did not owe anything to this company and after I paid something that I did not owe they then report as late payment. this company comenity bank has committed fraud and falsely reported incorrect info to credit bureau and wont remove. They reported multiple times that this was an error and they did make some credits to account but when I request the account to be closed they retaliated by reporting to credit agencies.
Product: Credit reporting or other personal consumer reports

Dear, Equifax, XXXX, and XXXX at : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ] -XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ] -I am writing to dispute the following information that appears on my CREDIT REPORT for the following reason : -Reporting companies have been able to sell my personal information unlawfully and allowed to report improper Charge-Off/Collections freely to other credit collection companies without my consent or without being in contract to my Credit Report And obtained or used for purposes that aren't allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY GENESIS CREDIT MANAGEMEN Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists '' 3. Alternatively, you can use a simple script like " I do not know who this collection agency is, as I have never been in agreement to work with them '' You can also dispute it online and use laws like " Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 '' 2.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dear Equifax, Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here are follows are items in error I would like the following inquiries to be removed from my credit report and I would like to dispute these credit inquiries that are placed on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize any of this information please remove from my account thankyou
Product: Debt collection

On XX/XX/2018 I called in to attempt to resolve an account. 3 representatives hung up on me and would not transfer me to my account representatives or a manager. Their names were XXXX, XXXX, and XXXX. XXXX refused to transfer to either and hung up. XXXX used inappropriate content and verbiage and also hung up. XXXX was pleasant but she also hung up. Is quite sad that this is how a collection agency treats people who are actually trying to resolve a debt
Product: Money transfer, virtual currency, or money service

Received email notice from PayPal of PayPal statement ready online on/around XXXX XXXX. This payment is due XX/XX/XXXX. On Sat. XXXX went to my account to make the payment. The screen forwarded to the Synchrony Financial screen which stated that they were not able to access my account-try again later. Sun. XXXX I attempted the same transaction-same result. Mon. XXXX, XXXX I attempted the same transaction-with the same result. I called the phone number provided on XXXX for any problems related to this account. They answered the call as " Synchrony Financial ''. A representative offered to take my payment over the telephone. I declined due to apprehensive security reasons. Tues. XXXX I attempted to make the payment on PayPal again , this time getting a message that they were experiencing technical difficulties. I again called Synchrony Financial and a recording said that I could only make a payment with my checking account at this number. I attempted to do this on their computer automated system. It could not handle the entire routing code and checking account number. I was forwarded to a human who said she could take the information for me and that it would be a free way to make the payment. Gave her the information to my checking acct and gave her the full balance amount. Told her I wanted to pay the balance in full. Done. Then I told her that I wanted to close this account. She asked why. I gave her reasons such as not being notified that I would no longer be dealing with PayPal for this particular account. I was not given a notice that my financial personal info was transferred to Synchrony, with my personal info now out there again to another company. I was not happy that they left me unable to make a payment online for 4 days without any notice that they were experiencing problems. Who knows how long this has been going on? I was not happy to give checking account information to someone I don't know Their processing only checking account information seemed a red flag, but I did it anyway, to be done with them, I think? At around XXXX the representative confirmed the payment would be made today and that they would close the account today and send me a letter. I checked my PayPal tonight XXXX and the payment has not been made. Their lack of 24hr online services or security to service accounts is a huge problem. Their failure to notify consumers properly that all financial transactions associated with credit accounts at XXXX are no longer serviceable by Paypal is fraud. I have their financial service notice for " How PayPal Credit Works '' explaining " special financing basics ''. It is written like PayPal does the servicing calling this " the PayPal Credit account '', but the telephone number they list is actually Synchrony. According to PayPal rep I spoke to today, they no longer take calls about or service the credit account. XXXX, XXXX Paypal sold all of its credit accounts to Synchrony per my research on the internet ( articles ).
Product: Mortgage

Quicken Loans provided an FHA Loan to individuals for a property, XXXX XXXX XXXX XXXX DE in XX/XX/2021 which is not their primary residence. Individuals have never lived at the property and are renting the property out and using the property for a store location. The tax records state the address where the individuals are living ( XXXX XXXX XXXX XXXX ) and have been living for the past 13 years.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$1300.00} TXXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

on my XXXX report it is showing an address that I previously lived at, that is not mine at all. This is recent activity, and I see it as means of a fraud or possible identity theft. I would like it looked into right away.
Product: Consumer Loan

I was behind on the loan and got caught up. The loan is due on every other Friday and I get paid every other Monday. I made a promise to pay on the Monday that I pay, so my promise to pay was XXXX/XXXX/16 and I got a phone call harassing me about my payment after I made the PTP. They called me 3 times and sent a text message. I called them and was told if you pay your bill on time I would not call you.
Product: Credit card

I applied for a Chase Southwest airline card after receiving a mailed solicitation to me saying I am prequalified for the card. I applied for the card. 

Then the card company replied on XX/XX/year> with a reference number XXXX and said they suspected someone had stolen my identity and denied my application, and asked me to call them at XXXX. I tried calling several times, and each time I provided my Social Security number, the phone system automatically disconnected the phone. It's already programmed to do that.

They also asked me to check with a credit agency. I checked with two of them and found no issue with my credit report and the score XXXX  being XXXX ( XXXX ) and XXXX ( XXXX ). 

Not only has the firm denied my card application with an excuse, it has also blocked me from contacting them to resolve the issue, with the way their system is set up to block me.
Product: Money transfer, virtual currency, or money service

Cashapp won't give me access to my account or funds. I was expecting a {$15000.00} deposit into my cashapp on XX/XX/2023. When I went to check my cashapp was logged out and I couldn't login. I need to see my XXXX statement of all incoming and outgoing transactions. And I need to know if the {$15000.00} deposit is in my account and I would like access to my funds immediately. Cashapp is violating many federal laws by withholding all this information from me. It's my account and I need to know what's going on thankyou. XXXX XXXXXXXX email linked to cashapp : XXXX.
Product: Debt collection

I received a call from this company looking for a former relative of mine. 
The persons name was XXXX, and I told her that the person she was looking for did not live at this number, but since the person has the same last name as me, XXXX asked me did I have this persons number. 
I gave her the last known number I had for the person, and asked XXXX to take me off the call list because the person she was looking for did not live with me. 
On XX/XX/19 I received another call from the same company, this time from someone named XXXX. 
I told him the same thing I had told XXXX, that the person he was looking for did not have this number, and to please stop calling me. 
On XX/XX/2019 I mailed the company a Demand for Damages for excessive Telemarketer Calls, because my number is on the National Do Not Call List, and has been on the list since XXXX. 
What this company did is against the law, and something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act XXXXXXXX XXXX XXXX XXXX Account Number 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 that consumer reporting agency can not furnish account without my written instructions. 15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reports the account as a collection/charged off account. Account is being reported as collection/charge-off for consecutive months. Account 's charge-off/collection date was XXXX/XXXX/2022. To report the account charged off for consecutive months and not the actual month is to reage the account, which is a violation of my rights under FCRA. I would like to have this corrected to show the ACTUAL charge-off date of XX/XX/year>. The account can not show the incorrect month or consecutive months of charging off every month.