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

I am writing to dispute account XXXX XXXX  - XXXX XX/XX/year> XX/XX/year> on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. In accordance with 15 USC 1666b, I am requesting that this account be updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

I received a letter from " McCarthy, Burgess & Wolf '' stating I owe XXXX XXXX {$10000.00}. I contacted XXXX XXXX and they conveyed my account is in good standing. I've contacted the three credit bureaus and put an identity theft alert on my accounts. I do not owe this this debt and I need assistance in this matter. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I called Synchrony Bank as they turned off my physical paper statements for no known reason. They have billed me amounts that are significantly different than the purchases I have made with Amazon.com and I have no way of tracking these purchases as they could not help me.

They have no online system in place to view statements or transactions at Synchrony Bank. They suggested I link the accounts, which I did. This did not help as all sign-in attempts were unsuccessful and the CS rep could not help. I asked for a manager and she advised there is no manager available. I was not able to view my transaction history to match it with Amazon 's online purchase history and therefore, she suggested I dispute the bill. To which I replied dispute what charge???? I can not see what is accurate and not, I just know they amount the statement amount is much larger than my purchase history for the past XXXX months and I have no way to verify it. 

XXXX was the Rep. that spoke to today and she requested a manager at my request. There was no manager today to go over this.

Unfortunately, without statements I have nothing to attach. It used to be that we could view all of this on Amazon, but since Synchrony took over this is no longer the case.
Product: Credit reporting or other personal consumer reports

The debt collector and XXXX XXXX and Experian is reporting false and misleading inaccurate unfair information on my credit report ( FDCPA ) ( 807,15 U.S.C ) ( U.S.C1692e ) Upstart loan can not falsely report debt as delinquent and misrepresent the amount of debt owed when it's paid in full.

Unfair Practices ( 808,15 U.S.C 169f ) The debt collector is incorrectly reporting paid and disputed debt as delinquent and derogatory ; they are in violation of both FDCPA and FCRA
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am in the transportation business and I purchase vehicles from various dealerships in and near the southeast region. Multiple times I advised and strongly suggested the financial managers of these dealerships not to run my credit with all these financial institutions. These hard inquiries regarding credit and the auto loans associated with my credit report were not authorized by me. According to Fair Credit Act laws enacted by Congress, these financial institutions are in direct violation of my privacy rights. I gave no written consent for or authorization for any of these hard inquiries to be on my credit report. As I strive to grow my business that has been a hindrance to scale my business as they are a detriment to future lenders. 

Please Remove All of these Hard inquiries from my credit report as they are harmful to me and my family 's forward progress. 


Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard InquiryXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the these payments. if unable to furnish such proof I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay all information need to report at the same time in all 3 major credit agencies and this account only shown report in 2 that is in inaccurate information and unfair. 
according to 15 U.S. code s 1681e all information need to be accuracy this account shown close, in one of the consumer report agency, and make as Open, in other two this is inaccurate information in my credit report.
Product: Credit card

My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises. I was doing normal spending and my account was closed because I share the same address as my husband which was the XXXX doing the heavy spending, how is that fair I ask?
Product: Checking or savings account

I was selling furniture online and some claimed they anted to purchase a good amount of the furniture. They said they're company who was forcing them to move to my state for job relocation was going to pay me fore the furniture he wanted. I deposited teo checks, 1 for {$2500.00} and another for {$1700.00}. The next day the money posted to my account and the individual told me to send the money via XXXX payments to their moving company to pick up the furniture he was buying from me. After making the XXXX payments for the the amounts of the checks totaling in {$3700.00} the checks bounced the next day! I am now negative the amount described before {$3700.00}. I then called my bank, Bank of America and submitted claims for all XXXX payments with the fraud department. 3 weeks later I received a notice from abank of America stating they were unsuccessful in reversing the XXXX  payments and can do nothing to help me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I have sent multiple letters to each XXXX XXXX XXXX, ( XXXX, XXXX, & TransUnion ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] XXXX : ( XXXX #. XXXX Reported XXXX {$9000.00} ) & ( XXXX #. xxxxxx XXXX Reported XXXX {$10000.00} ) & ( XXXX #. # # # # # # XXXX Amount {$340.00} ) XXXX : ( XXXX #. XXXX XXXX showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) & Names that are not mine ( XXXX XXXX Name ID # XXXX ) & ( XXXX XXXXXXXX Name ID # XXXX ) Inquiry on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) TRANSUNION : XXXX XXXX #. XXXX XXXX showing {$9000.00} ) & ( XXXX #. XXXX XXXX showing {$10000.00} ) VIOLATIONS : 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.

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

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with XXXX privacy laws. 

XXXX, XXXX, and TRANSUNION have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX that the information listed below is reporting accurately after several disputes I sent with the basis of my dispute being their violation of the Gramm-Leach-Billey Act which states that they are to send NOTICE to customers and consumers like myself and that financial institutions should get my PERMISSION before they just blatantly begin to furnish my non public personal information without my consent. The ACA a trade group in your industry gives me even more confidence that your willful non compliance in this matter will help me to collect funds for damages that you have bestowed upon my family and myself without NOTICE!

You may or may not be a member of ACA but I assure you they have been a key information source for those in your industry for decades.

Do you have your safeguards in place in accord with ( GLBA )?

Additionally, you state you are reporting accurately in your reply letter dated 9/17/23, in addition to your diregard for the Gramm Leach Billey Act in which you gave me no notice before violating my privacy rights violating Title15 USC 6802.

Additionally, I would now like to dispute brand new information that is reporting inaccurately as well. 

These XXXX alledged accounts are at present reporting as Past Due which is INACCURATE reporting on alledged collection account. 
I requested initially that you remove all 4 of accounts as they should not be on my reports per ( GLBA ). 

Additionally, At this time I am disputing regarding Brand New information. 


XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete it! 

XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account ..Delete it! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

Please remove these accounts for inaccurate reporting. 

I am uploading partial copies of my credit reports showing the inaccuracies.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A of Title 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such information
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, we deferred payment for one month per the Covid rules of our loan company Lending Club LLC. They incorrectly reported the account as 30 days late. When we informed them the my corrected it. 30 days later, they again reported the XX/XX/2020 account as last due. We again informed them and they corrected it. This has happened every 60 days since. They refuse to explain why it is happening and will not let us talk to anyone who will fix the problem. They promise calls from supervisors that never occur.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an unauthorized hard inquiry listed under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account deleted or updated.

This is the item I demanding to be deleted immediately 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX XXXX : XXXX Please remove this bankruptcy from my public record
Product: Payday loan, title loan, or personal loan

I took out a payday loan with XXXX XXXX XXXX online back in maybe XX/XX/XXXX and I can't remember the exact amount. I paid the loan payment twice a month up until I hit harder financial times and then I stopped. Then back in XX/XX/XXXX a debt collector contacted me told me that a warrant had been issued for my arrest but I could settle the debt for {$270.00} which I paid. I then received a letter saying the account was settled and closed. Then in XX/XX/XXXX I received another call and I really didn't think about it until later but it was a debt collector for XXXX saying that I was due to be served court papers unless I paid {$120.00}. Again I paid and received another payoff letter. Then a couple weeks letter I get another call from another collector for the same company XXXX XXXX. I spoke with them and told them that I had already taken care of this matter. Then just this week I received 2 more calls so I emailed the company. I haven't received any more calls since the email. This company is a ripoff if you borrow {$400.00} you may end up paying {$1600.00} or more. My personal experience I will not use this company or any payday loan company ever again.
Product: Credit card

Fortiva credit card company. XX/XX/XXXX through XX/XX/XXXX. They charged my bank account fees and didn't give me credit for the payment I made. And today, XX/XX/XXXX someone tried to apply for a loan that I'm sure I didn't try for. I should've reported this sooner but I kept putting it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I started receiving back to back credit inquiries that wasnt authorized by me. Its about a total of 12 inquiries from different installment lenders. Also I am listing about 6 accounts that are in violation to my rights. Please see below the accounts that are reporting unlawfully. 
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
Product: Mortgage

My loan with SunTrust, now Truist, was put into forbearance a year ago due to Covid-19 hardships. My loan is now coming due on XX/XX/XXXX and I was sent a letter providing options to come current on the loan. I selected an option offered in the letter ( to defer the unmade payments as multiple payments at the end of the loan ) ; however, despite this being offered in writing, SunTrust representatives are telling me that I can not select that option. Any deferment has to be paid back as a lump sum at the end of the load. 

If the company provided me, in writing, an option that I am asking to choose, how can they now say " no, that isn't actually an option ''? Don't they have to stand behind what they have offered to me in writing? Written communication from a mortgage company is a valid part of the contract and I expect them to abide by their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to Experian requesting that they validate and verify the accounts listed in the attachment. After review all 3 major credit reports I have established that the information for this accounts are inaccurate and inconsistent with each credit reporting agency. 

Experian will provide me with thorough details of the investigation of each account. Contact name, contact telephone numbers, written details etc. All pertinent information must be received within 30 days, Electronic responses will not be accepted.
Product: Credit reporting or other personal consumer reports

Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 

XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1200.00}