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

Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Discrepancy on My Credit Report Unauthorized Accounts Still Reported FCRA 15 USC 1681i ( a ) Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information reported on my Experian credit report. Upon reviewing my report, I have found that unauthorized accounts that were already deleted from my XXXX credit report are still appearing on my Experian report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681i ( a ), I am entitled to have any inaccurate or incomplete information investigated and corrected within 30 days. I have already disputed these accounts with XXXX, and they have been successfully removed. However, Experian continues to report these unauthorized accounts. 

Please investigate this matter promptly and remove any incorrect or unauthorized information from my credit report, as required by law. I request that you provide me with an updated credit report once the necessary corrections have been made.

Enclosed are copies of my identification, as well as any relevant documentation ( e.g., my XXXX credit report ) that may assist with your investigation. I look forward to receiving confirmation of the updated report once the dispute is resolved.

Thank you for your prompt attention to this matter.

Sincerely, [ XXXX XXXX XXXX ] [ Date of Birth ] XX/XX/year> Enclosures : Copy of Identification Copy of XXXX credit report showing deleted accounts
Product: Credit card or prepaid card

Company : Lowe 's Credit Card via Synchrony Bank What Happened : Synchrony Bank closed the account on XX/XX/XXXX due to slow and partial payments during Covid. The account balance was for services to be performed on a property that needed to be remodeled. When Synchrony Bank closed the account, we called to cancel the services. We could not have the services performed on the house during COVID in Pennsylvania that had enacted strict COVID protocols. Synchrony Bank asserted that we would have to cancel the services with Lowes. Lowes claimed that they could not refund the services because the account had been closed. This back and forth between Synchrony and Lowes went on as a dispute for 2 years. After 2 years of dispute with Lowes, Synchrony Bank started deducting {$5000.00} payments from our checking account without so much as sending us a bill or a resolution letter. We contacted the bank and they claimed that our original purchase of {$34000.00} was now over {$57000.00}. We started calling Synchrony and Lowes for resolution. Because we had canceled the services several years prior, Lowes refunded a cashier 's check to us personally in XXXX of XXXX for the services that had not been received for {$20000.00}. We contacted Synchrony Bank on next steps and they instructed us to send them the money and they would review for credits. Synchrony Bank received that money on XX/XX/XXXX. They claimed that they would contact Lowes. They did so but continue to debit our account for large payments towards the {$57000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter regarding Inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60/30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase with XXXX on XX/XX/XXXX of this year. Rather than use my credit card to make the purchase of {$1900.00}, I took advantage of their 18 Months Deferred Interest offer to use XXXX  's credit card.

I received my order in a timely manner and the goods were not damaged in any way. 

In late XXXX, I received a phone call from XXXX XXXX regarding payment. They notified me that I was 30 days past due. I apologized and promised payment when I did my bills for XXXX. I asked at that time how much was due. The amount stated was {$140.00}. Shortly thereafter, I received an actual bill from XXXX   with the amount due at {$140.00} I authorized payment through my bank on XX/XX/XXXX for {$150.00} ; my bank processed the check on XX/XX/XXXX and the check arrived at XXXX 's PO Box on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another bill from XXXX XXXX/XXXX. The billing cycle had ended on XX/XX/XXXX and no payment had posted. I checked my bank and no check has cleared though they had tracked the payment as received in XXXX XXXX at the creditor 's PO Box . 

I called XXXX XXXX thereafter to discuss the matter this morning. I was asked for my account number, which is NOT plainly indicated on the statement, and shared with no less than 4 people the situation that I needed to resolve. I was also informed on this call that I should have received a welcome packet with my first bill, of which I did not. While on the phone with XXXX, I was told the only way I could resolve this issue was to set up an account online so that I could communicate with them and share my bank documentation. To resolve this issue will take 48 hours or more as the people responsible for receiving and posting payments are not customer-facing employees. 

Upon closer inspection of the bill I received today, XXXX has charged me a {$38.00} late fee and {$2.00} Interest Charge. Please remember that my purchase was supposed to be interest-free for 18 months. 

I also called XXXX Customer Service today and explained that I believed their Credit Card partner to be somewhat dishonest and not helpful in resolving the situation. 

This afternoon, I received TWO credit alerts that XXXX/XXXX has reported that I have newly reported delinquencies on my credit report. Now I will be forced to fight credit bureaus with this situation so it does not impact my credit score.

It seems to me that XXXX XXXX   is attempting to earn additional fees by 1 ) not sending my first statement, 2 ) charging Late Fees when payment has been made, 3 ) collecting interest that is not due or causing my payment to be late so that they can skirt the terms of the agreement that I made with XXXX to make timely payments in exchange for 18 months Interest-Free financing. 

I believe that XXXX and XXXX need to be audited for their questionable lending practices.
Product: Checking or savings account

Please refer to Complaint ID # XXXX and Complaint ID # XXXX for more information. 
In short, my XXXX account was hacked and subsequently was used to make unauthorized transactions on Google Play. 
Per Googles own instructions, upon the discovery of the fraud, I filled out their unauthorized transactions form, and deleted hacked XXXX account. 
Due to some miscommunication and time constraints because of prior commitments ( work ) on my part, it took some time to get a final response from the company : MY NAME, we've checked, and would like to inform you that based on our investigation, we won't be able to refund the transactions in your claim. We're sorry for any inconvenience this may cause. However, this decision is final. If you believe that you may have included the wrong transactions in your claim, you can check the list of transactions in your claim by returning to the " Report unauthorized charges '' form and entering your email and claim ID. You can then submit a new claim if necessary. We wouldn't be able to confirm if these purchases weren't made by you. 
This was their response after I provided original claim, bank statements, the email account in question.
Product: Debt collection

XXXX XXXX WAKEFIELD & ASSOCIATES took negative action to damage my credit on XX/XX/XXXX. They reported a collection of {$1200.00} from a medical facility that never responded to my calls to discuss this disputed amount. I called the medical facility to discuss the balance because they were attempting to charge me for a service they never provided. I signed up for Invisalign treatments with this facility in XXXX of XXXX. I was given half of the treatment which I paid. The other half of my treatment was never provided to me because it involved XXXX invisalign trays that were never provided to me. I left XXXX, Georgia in XX/XX/XXXX and have never resided there since. 

I believe the medical facility tried to charge for the remaining invisalign trays they never provided. Now, the collection agency which has never made any contact with me took negative action to damage my credit. I found out on my birthday in XX/XX/XXXX that I now have a collection account from a Georgia medical facility XXXX years after I no longer reside in XXXX, Georgia. This charge is inaccurate. I feel this is a form of XXXX  from this collection agency.
Product: Checking or savings account

Dear Consumer Finance Team, I am writing to you with an urgent matter that requires your immediate attention. 

I am writing to bring to your attention a concerning incident involving my account, XXXX, which has been subjected to fraudulent activity. On [ insert date ], I received a notification indicating that my card, XXXX, was utilized to make an ATM deposit of {$7500.00} into an account ending in XXXX at XXXX Bank, located at XXXX XXXX XXXX, NC. 

When I discovered this unauthorized transaction, I immediately contacted my bank to report the issue and seek help resolving the matter. Regrettably, I was informed that no further support could be provided at that time due to a lack of additional information available to track down the transaction 's origin and identify the perpetrator. 

As a valued customer, I am deeply concerned about this fraudulent activity and its potential security breach. I kindly request your immediate attention to investigate this matter thoroughly, identify the root cause, and take necessary steps to prevent any future unauthorized access to my account. 

I am grateful for your prompt action and anticipated cooperation in resolving this concerning situation. Please keep me informed of any developments or actions taken to address this issue. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX. I drove up to an XXXX ATM machine on XXXX XXXX XXXX XXXX Ga and did two withdrawals in the amount of {$500.00} the first one at XXXX was successful. The second withdrawal of {$500.00} at XXXX the ATM dispensed the cash as I went to grab the money the machine sucked the money back inside. I sat at the ATM for a minute thinking the machine would spit the money back out, it did not. I went inside to the bank and was advised by the customer service reps they could not assist me because this was not my bank. I would have to file a dispute with my bank. I called my bank Chime right then to file a dispute and explain what happened Chime informed me the investigation will take 45 days. Then 10 days later I received a provisional credit all for them to email me on XX/XX/XXXX to reverse the provisional credit. I contacted XXXX branch they own the machine they contacted there ATM Resolution Team they see an issue the day and time in question. But stated that can not further assist me because I don't bank with them. Chime would have to recoup on there end an investigate and they really have not. I sent all documents they requested right away the same day. Chime haven't been helpful or unwilling to help me in this matter. Please Advise? My phone number is XXXX. My email address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX XXXX ( XX/XX/2023 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a severely XXXX Veteran with a VA mortgage with Flagstar Bank. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by Flagstars insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted Flagstar and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking Flagstar staff how the loan would be reported if we were approved for a loss mitigation plan and were told that Flagstar would report that we were in a payment plan due to a disaster, but once the plan was in place Flagstar has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted Flagstar multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me.
Product: Debt collection

I received a text message : This message is from CACi. Please call us at XXXX info at : XXXX Reply STOP to opt out. Msg & Data rates may apply. Thank you. 

To which I responded to via phone call; thought it was an employer with potential job lead. 

Upon verifying my information the gentleman said that I had an outstanding debt with XXXX XXXX XXXX XXXX ; my bank. I asked him to email the info; and he rattled off an email address that hasnt been used since I lived in XXXX XXXX TX. 

I gave my correct email and he did not send the email to me as of yet. 
I called back and got another person ; and I let her know that I had spoken to her colleague, and if the calls were recorded she would be able to see whom I spoke with and tell him I send me the collections information.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Mortgage

PNC BANK SENT A WELCOME LETTER STATING THEY HAVE TAKEN OVER THE LOAN, I WAS PAYING AND I STOPPED PAYMENT BECAUSE THEY HAVE NO WET INK ON THIS HOME OR APPLICATION, THEY CAN NOT VALIDATE THIS LOAN.SENT ME TO THE CREDIT BUREAU 'S WITH A NEGATIVE, KEEP REPORTING ON MY CREDIT NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY REPORT.
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : Bridgecrest : {$13000.00} XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the address XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA. 
I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law. 

. 

Failure to comply with the requirements set forth in the FCRA and XXXX will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following companies and Equifax know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from Equifax or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Speaking To Citizens Bank about a Fraudulent on my Card about XXXX Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me
Product: Credit reporting, credit repair services, 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, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX