23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2022 at XXXXXXXX XXXX I received a voice-mail from a person stating they were with Synchrony Bank and that it was imperative for me to send a payment immediately regarding my Synchrony XXXX XXXX card. I was to mail this payment to Synchrony Bank - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, Utah XXXX. I was to call them right away at XXXX to take care of this. 
My husband and I actually have an account with Synchrony Bank, it is not a XXXX XXXX, or an App on our smartphones and we have always paid our account to their correct address in XXXX, Florida. 
I called Synchrony Bank on XX/XX/2022 and spoke with a representative who made note of this issue.
Product: Credit reporting

no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to these companies which are : 1.XXXX XXXX XXXX XXXX, 2.Bank of America, XXXX also known as ( XXXX XXXX XXXX XXXX ), and 4.XXXX XXXX asking them to send me validation or Verification of the debt that they claim I owe. It has been more than 30 days since I sent these letters out with No response These company is reporting fraudulent information on my credit report Which is Violating my consumer rights. They are required to respond to my letter within 30 days. Since they have not these companies most send a letter to the three credit bureaus XXXX XXXX XXXX that they most delete these companies off my credit Report.
Product: Student loan

I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.
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. 

Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and XXXX XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 


According to the U.S. CODE, TITLE 15, CHAPTER 41, SUBCHAPTER III ( NUMERAL 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. ( NUMERAL XXXX ) " There is a need to ensure that consumer reporting agencies exercise their serious responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' I APPRECIATE PLEASE THEY BE REMOVED AS SOON AS POSSIBLE SINCE IT IS AFFECTING ME FOR A LONG TIME AND I HAVE LIMITATIONS TO OBTAIN SOME TYPE OF CREDIT AND ADDITIONALLY I REQUEST THE TYPES OF JOBS THAT ALSO APPEAR IN MY REPORT IN AN INCORRECT WAY, BE REMOVED. 

I also need to please correct the phone number at XXXX and if the fraud  block that was placed on XX/XX/21 can be removed because also when I apply for any credit I do not have that phone number. 

And also due to the fraud block, it also does not allow me to access any credit tool or even open a bank account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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

I have been repeatedly contacted by Transworld Systems regarding a debt owed for XXXX XXXX   XXXX. When I asked them to send me something in the mail they said they did previously. When I said I did not receive it they gave a very old address that my doctor 's office would not have had. When I asked them to stop contacting me and told them I would only communicate through written correspondence, they began contacting my mother and wife. 

When I contacted XXXX XXXX XXXX they said that all medical payments were made previously and there is a {$0.00} balance on my account. They also said they did not send anything to a collection agency and they are not associated with them. 

Transworld is attempting to collect a debt that is not mine and threatening to report me to credit agencies. I have sent Transworld a letter today disputing this debt and asking them to verify it.
Product: Checking or savings account

XXXX  sent a refund of XXXX to my chime checking account on XX/XX/21, but it has yet to be posted on my account.
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. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Transunion from my previous complaints filed here and sent through certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE BULL. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

XXXXXXXX XXXX XXXX XXXX Transunion/XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please Remove and Delete this account immediately as it was opened fraudulently without a valid written signature of original contract. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt with the purchase agreement and has the legal authority to collect it or delete this account. Please help me get this matter resolved. Thank You in Advance for your Cooperation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Debt collection

I constantly keep getting collection notifications in the mail in referencing a debt that was satisfied prior to the collection documentation began. I have contacted the original debtors whom confirmed the debt was satisfied ( attached receipt ). However, I still receive collection and demand of payment letters from the original debtor and collection agency ( attached ).
Product: Debt collection

During a conversation with Enhanced Recovery they demanded immediate payment of the alleged debt without informing me of right to dispute the debt, even though I had disputed it, according to the unlawful debt collection and validating. 

The debt collector threatened to garnish my wages if I did not pay the debt. The debt collector informed me that the company would seek alternative ways to have the alleged debt paid if I did not pay, something I interpreted to mean the company would sue me. 

Despite requests that Enhanced Recovery cease calling, the agency continued to pursue after me, using an autodialer system to place repeated collection calls. 

I never provided my cell phone number or consent to be contacted by Enhanced Recovery. 

The calls were intended to unjustly condemn and vilify me for non-payment of the debt I allegedly owe, and to produce an unpleasant and/or hostile situation between my family and I. This company has caused my family and I mental distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Debt collection

Correspondence regarding case numbers : XXXX and XXXX. I received a letter in the mail regarding I debt I know nothing about. It stated the statute of limitation expired in my state, therefore, they would not proceed with legal action. However, I recieved a robo call stating that my case was referred to XXXX for further legal action on XXXX XXXX, 2015.
Product: Student loan

On XX/XX/2022 I called to request the funds I payed toward by student loan during the pandemic relief period be refunded. I was not given a confirmation number, though I did receive an email saying the request was received. I was also not given a timeline as to expect the request to be processed. I'm trying to get the refund so that I can apply for relief before my next payment due at the end of XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$31000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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 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
Product: Credit reporting or other personal consumer reports

On Wednesday, XX/XX/XXXX I checked my credit scoring and saw a new inquiry with Equifax, this caused my credit score to drop XXXX XXXX  Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted XXXX XXXX about this credit card application on XX/XX/XXXX and was notified they had nothing connected to my SSN or name. I then filed an online dispute with Equifax which they responded was legitimate on XX/XX/XXXX. I then called XXXX XXXXXXXX XXXX on XX/XX/XXXX. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted Equifax and spoke with them via phone on XX/XX/XXXX who stated they could not remove without documentation from XXXX. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it. 

Everything listed above was cleared up previously with help from the CFPB, with both Equifax and XXXX realizing the error, however for some reason the inquiry recently re-appeared recently in the last week ( XX/XX/XXXX ) or so. I called XXXX and the representative said it was clear on their end, however Equifax allowed this to reappear as 2 hard credit inquiries.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX since XX/XX/2021. My PayPal account : XXXX has stucked funds in it that i have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For identity verification, I attached my valid ID. Please see attachment.
Product: Credit reporting, credit repair services, 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. 

Account Name-XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( 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.