23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019, I contacted Synchrony Bank/Pay Pal after noticing a new account was opened under my name and SSN, which I had not done. After taking my information, the Bank informed me that this was the result of identify theft and that the Bank was ( 1 ) going to close the account, ( 2 ) put on a fraud alert, and ( 3 ) notify the credit bureaus. I asked them specifically if I needed to also notify the credit bureaus and they told me I did not. The same day, I placed a credit freeze with all three credit bureaus. 

Several weeks later, I saw that another new account was showing up on my credit report for Synchrony Bank/Pay Pal. I called again to inquire how this was possible. The agent told me that the " computer '' generated a new account when the old account was closed. The agent also told me that a new card was sent to the address on file ( notably, NOT my current address ). The agent told me that he would close the account again. I asked if he was also going to notify the credit bureaus, and he said he was not planning to. I told him that my credit score has already gone down as a result of the newly opened fraudulent accounts and asked that he contact the bureaus about the new account, and he told me he would. 

After this conversation, I began contacting the bureaus to dispute the two Synchrony Bank accounts that are still listed on my credit reports. I just got off the phone with XXXX  and the XXXX   agent told me that Synchrony Bank never reported the identify theft/fraudulent account to the credit bureau. 

This is an outrageous situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the unauthorized credit inquiries listed below be blocked and deleted from my credit report. My personal information was compromised due to a data breach, and these inquiries were made without my knowledge or consent. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block these unauthorized inquiries from my credit file and remove them entirely. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : ** Complaint Regarding Inaccurate Reporting of Charge-Off Sold to Another Lender in Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, My name is XXXX XXXX, I am a XXXX XXXX, and I sending this letter on my behalf. I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report that was sold to another lender. This inaccurate reporting appears to violate the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : - XXXX XXXX XXXX XXXX  Original Creditor - XXXX Account Number - XXXX XXXX Date of Charge-Off - XXXX  - Name of the New Creditor or Collection Agency - $ XXXX Amount of Charge-Off Description of the Problem : On XX/XX/2024, I discovered that a charge-off was reported on my credit report bXXXX XXXX XXXX XXXX. I understand that this debt was sold to XXXX XXXX XXXX. 
However, the original creditor has continued to report the charge-off on my credit report, and the new creditor has also reported the debt. The charge-off is also updating the status of the charge- off monthly. This has resulted in duplicate and misleading entries on my credit report, which is a violation of the FCRAs requirement that credit information be reported accurately and fairly under 15 U.S. Code 1681s-2.

Relevant FCRA Provisions : - **15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ** : The FCRA requires that furnishers of information report accurate information to credit reporting agencies. By continuing to report a charge- off after the debt has been sold, the original creditor is failing to meet this standard.

- **15 U.S. Code 1681s-2 ( b ) ** : Upon receiving a dispute, the furnisher of information must investigate and correct any inaccurate information. Despite my disputes, the erroneous reporting has not been corrected, further violating the FCRA.

I have disputed this with the credit reporting agencies, but the issue remains unresolved. Despite my efforts to correct this information, both the original and new creditors continue to report the debt inaccurately. I have attached multiple documents listing that I was not tied to this account, and that this account does not belong to me. I have an attached letter showing my name is not listed on any documents.

I request that the Consumer Financial Protection Bureau investigate this matter and require the credit reporting agencies to correct the inaccurate information.

Specifically, I ask that the duplicate reporting be removed and that the original creditors charge-off entry be accurately reflected as removed.

Please find attached copies of my correspondence with the credit reporting agencies and the creditors, as well as my credit report highlighting the erroneous entries.

Thank you for your attention to this matter. I trust that the CFPB will assist in ensuring that my credit report is corrected by the Fair Credit Reporting Act ( FCRA ). 
I Sincerely ask the CFPB to please help me correct this on going issue. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Equifax data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Product: Debt collection

XXXXXXXX XXXX XXXX Portfolio recovery / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXXXXXX XXXX XXXX XXXX XXXX  / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

PORTFOLIO RECOVERY XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

I got a loan through XXXX XXXX XXXX ( XXXX ) for the purchase of my home. On XX/XX/XXXX I got an email from XXXX stating that my loan would be transferred to Nationstar Mortgage LLC d/b/a Mr Cooper effective XX/XX/XXXX. The letter also indicated that if I was set up for auto pay everything would roll over and the terms of my loan wouldnt change. On XX/XX/XXXX Mr Cooper took out XXXX to cover my principle, interest, taxes, and insurance. On XX/XX/XXXX they then took out XXXX which wasnt the usual {$1400.00}. I called them on XX/XX/XXXX and they told me that my insurance wasnt escrowed. I gave the girl XXXX phone number so she could get what she needed from them. Almost a month later I have still not heard from Mr Cooper to confirm that my payments are not back to XXXX and what difference I need to pay to bring my escrow balance up so its not short. I also made a follow up call on XX/XX/XXXX only to be transferred several times and for another girl in the escrow department to tell me that my payments still do not indicate the correct amount. I want Mr Cooper to work with XXXX and get whatever they need from them. The second girl I spoke with on XX/XX/XXXX also informed me that they did receive the documents from XXXX so I dont understand the issue and why this hasnt been corrected so that my XXXX payment isnt short as well.
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. 
XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 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 XXXX XXXX female enrolled in the XXXX XXXX XXXX XXXXn. Under the plan I am only responsible for a daily XXXX charge of {$120.00} when I was admitted back in XX/XX/2021. The insurance plan paid for ALL services rendered in the XXXX but a bill for {$170.00} was sent to me for lab. tests. Under XXXX XXXX XXXX balance billing is NOT allowed! The creditor ; XXXX XXXX XXXX XXXX XXXX XXXX filed a notice with a collection agency to recover {$170.00}. 
Since this is a balance billing matter it is NOT allowed under XXXX XXXX rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the 3 major bureaus ; XXXX, Equifax, and XXXX, and only 1 from XXXX XXXX XXXX  belongs to me. XXXX, Equifax, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX XXXX XXXX on XX/XX/XXXX reporting to XXXX and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX/XXXX  on XX/XX/XXXX reporting to XXXX as well as some inquiry from XXXX XXXX on XX/XX/XXXX. On the same XX/XX/XXXX Equifax also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Against Upgrade Inc for Fraudulent Charges Dear Sir/Madam, I am writing to formally lodge a complaint against Upgrade Inc regarding fraudulent charges made to my account following the loss of my card. Despite my prompt reporting of the incident and subsequent filing of a police report, Upgrade Inc has stated they found no evidence of fraud, which I strongly dispute. 

On XX/XX/XXXX, I discovered my card was lost and immediately reported it. Following this, I noted several unauthorized transactions on my account. The details of the fraudulent charges are as follows : {$2800.00} Given the circumstances, I urge the Consumer Protection Bureau to investigate this matter thoroughly. It is unacceptable for a financial institution to disregard the seriousness of fraudulent activity and the potential implications for consumers. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : 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
Product: Credit reporting or other personal consumer reports

Experian thinks by flooding the system with XXXX ridiculous explanations that have absolutely nothing to do with the problem, THIS PREDATORY COMPANY STILL WORKING ON THIS ISSUE WHILE CLOSING XXXX OTHERS THAT ARE THE SAME PROBLEM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

Rental history and eviction is inaccurate, has already been disputed and removed from all 3 major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has blatantly disregarded my dispute letter from over 45 days ago. The fair Credit Reporting Act allows for a timely investigation of any disputed account on my consumer report. Your company has failed to adhere to federal law and has broken the law. The only way to avoid any more liability for your company is to take the requested action below.
Product: Consumer Loan

well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Amsher collection services, for multiple violations of the ( FDCPA ) Fair Debt Collection Practices Act and the Fair Credit report Act ( FCRA ). I have reason to believe this debt is inaccurate, unverified, or entirely false. And response, I exercise my rights under the FDCPA, 15 u.s.c 1692 ( G ) ( B ), and sent a written request for a debt validation. 
To date Amsher collection services has failed to provide any proper validation of the alleged debt. Despite this failure, they have : XXXX. Continue collection efforts and violation of FDCPA 809 ( B ). 
XXXX reported the unverified debt to one or more credit reporting agencies, and violation of FCRA 623 ( A ) ( 1 ) A. Which prohibits furnishing information known to be inaccurate. 
XXXX. Failed to mark the account as disputed on my credit report after being notified in writing, violation of FCRA 623 ( A ) ( 3 ). 
This conduct not only disregards My consumer rights, but also cause serious harm to my credit profile and peace of mind.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of inaccuracies in your reporting concerning my account. According to the Fair Credit Reporting Act ( FCRA ), you, as the furnisher of information, are legally obligated to ensure the accuracy of the data you report. 

Upon reviewing my credit report, I noticed that the account mentioned above is being inaccurately reported as both a charge-off and a collection account. As per my understanding, once a debt is charged off, it is considered canceled, and a Form XXXX must be issued as evidence of this cancellation. Therefore, the debt should either reflect as canceled, or the current balance displayed on my credit report should be corrected. 

This inaccurate reporting violates the FCRA. I demand an immediate investigation into this issue, and I expect the necessary corrections to be made promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
transunion and XXXX were also gon na remove it but still have yet to do so.
Product: Debt collection

I received a letter from Harris & Harris , Ltd. alleging that I owe them money for a medical debt. I do not owe Harris & Harris , Ltd. anything. I've never received medical care or agreed to pay them for any medical care. The creditor they've listed on the obscene letter I received, I don't have any past due balance with. So, I'm not sure when or why they have come to this conclusion.
Product: Credit card

I had an XXXX card. I have been a member since 1996. They closed my account and sent it to collections. I have been trying to work with the collection agency but they are no help. I had contacted XXXX XXXX to get statement copies so I could pay my bill. They said they would sent it but it never came in. Then a month later I requested them again and they told me they would send out. And also they stated they would put a freeze on my account so I do n't get reported to credit agency. By the time I got the bills they had closed my account and sent to credit agency. They have lied to me and I should not be punished for this. I am willing to pay the full bill but I want my XXXX card reinstated and the false credit reporting deleted. Tell them to go back and go over the recorded calls and they will see what their agent said. They are not returning my calls form the executive dept either. seems like discrimation to find a way to cancel my card.
Product: Credit card or prepaid card

I was given a XXXX/ADP card by my employer, because my payroll check was missing hours. The hours that were missing were put on to a card that I had in my possession on XX/XX/XXXX or XXXX. Upon using this card on the XX/XX/XXXX I was notified that there wasn't any money on this card. So after this I contacted XXXX, which took me three times, until an agent on the third phone call informed me that my card was reported stolen. My card was unlocked, and I proceeded to use my card at XXXX XXXX, and at XXXX and XX/XX/XXXXwithout any problems. The next day XX/XX/XXXX upon going to pay my property tax I was informed I only had XXXX on my card. So after this I checked online and it was observed that my card had been compromised for the amount of XXXX. XXXX was contacted, my card was locked, and a replacement card along with paperwork was sent out. Paper work to verify that my card was compromised was emailed to XXXX  on XX/XX/XXXX. Upon contacting XXXX  XX/XX/XXXX, I was hung up on twice. And when I got to a agent, he could not tell me exactly how long it would take to retrieve my money, only best case and worst case scenario, the same answer was given to me upon asking to a supervisor.