23daVinci/CFPB_Complaints huggingface dataset:
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 under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( a ) ( b ) And according to XXXX XXXX XXXX XXXX they suppose to do this ( XXXX ) treatment of inaccurate or unverifiable in formation ( A ) in XXXX, after any reinvestigation under paragraph ( XXXX ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting

I have disputed these accounts a few times already asking for validation and Experian has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Experian needs to remove these accounts. I have attached file with circled payment history errors. They go reporting " 0k '' status for a few months then they go late 90,150, 180, 180,180,180. ( How can it be 180days late for 5 months straight ) it Then goes to ND ( no data is NOT proper reporting ) to " Ok '' status then again same late Cycle. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : 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 Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have disputed the account several time with XXXX being that the original amount owed of {$880.00} reflecting on my credit file does not match the original amount of {$850.00} documented on the paperwork provided to me by the collection agency. For the record this discrepancy is yet to be fixed despite several disputes. Attached you will find a copy of the aforementioned document. 

I have been mocked by XXXX of the agents of the collection agency during a phone conversation, who stated that he has a good credit and I do not. Granted that is the only collection account on my credit file On XXXX XXXX, 2017, I sent an email to the collection agency, Blakely-Witt and Associates, Inc. that is. In response to my email, that same week, they did an update to my credit file that significantly plummeted my credit score. An act of malice on their part. Or perhaps, a willful intent to do harm to my credit score. 

In any event, I also found their action discriminatory unless they can show that the update that was done on my file is customary and a standard practice, and that such updates are done on all files handled by their office. Even then, the legality of such an extreme and abusive way of trying to collect a debt has to be questioned. 

Like I stated on my last email to their office, I will not accept being bullied and based on their response, I will have to add that I will not accept been singled out, treated unfairly and discriminated upon either. 

The agent that responded to my email also stated that they will no longer response to any email from me and that If I would like to contact them, in the future, it would have to be through certified mail. Again, unless this is something they ask of all individuals who 's collection account they are handling, I will herein add that I will not accept been singled out, treated unfairly and discriminated upon. 

Today, I would like to bring my recent experience with the said collection agency to your attention in form of this formal complaint. Especially, since I can not communicate with them without fear of some sort of punitive action from them that could be detrimental to my credit file/score.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB nave brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ XXXX XXXX, XXXX XXXX XXXX, Dept of Ed/ XXXX ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
4. Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
5. If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
6. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has grossly mishandled mine and millions of others ' critical personal information and has put my identity and financial well-being at a huge risk of compromise. Equifax also took an inexcusable amount of time -- over a month -- to release information about such a disastrous breach.
Product: Credit reporting or other personal consumer reports

My information and credit was compromised in the data breach all items should be deleted that are not imine
Product: Money transfer, virtual currency, or money service

Reported money hasnt been returned problem has yet to be solved
Product: Credit reporting or other personal consumer reports

I reached out to them via phone on several occasions. Was unable to speak with anyone that spoke clear unbroken XXXX. I requested a supervisor and nothing was done. My investigation was never properly conducted. I sent in proof of payments from the bank and from XXXX XXXX. Still nothing. I sent the dispute in twice with the credit bureau and nothing was corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX XXXX fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX XXXX Account collentions XXXX XXXX that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not recognize it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX   XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Good afternoon I need to Filed a complaint on Equifax due to Negative reporting on two XXXX #  XXXX # XXXX I received a letter from Office of the President of XXXX after his investigation He found that XXXX is reporting to XXXX / Equifax and XXXX as closed by with 180 days delinquent with a balance of {$1800.00} But when I look at Equifax report dated XX/XX/19 however Equifax is showing a balance of XXXX how is this so?? and XXXX is saying XXXX this is inaccurate information and needs to be delete from my credit file. again I want to remind you this information is verified via the source see attached files! cfpb even have a copy of this! 

XXXX XXXX is reporting per the president office is reporting XXXX but However Equifax you are reporting XXXX again keep in mind this is written in black and white from the source Please delete these two accounts for erroneous reporting fcra clearly states that all information must report 100 % percent accurate! thank you also before I go you have hurt my ability to obtain anything with this Negative reporting Please delete these two account asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.
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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 card

I am filing a formal complaint against Synchology Bank ( Synchrony ) I am writing to address ongoing concerns regarding my XXXX 's credit card account, previously raised under Complaint ID XXXX. 

I appreciate the efforts made by Synchrony Bank to rectify the majority of the issues outlined in my previous correspondences. However, upon careful review of the recent account statements, it has come to my attention that there remains an outstanding credit of {$61.00}. I am writing to bring this matter to your attention for prompt resolution. 

It appears that Synchrony Bank chose to close the initial account, subsequently opening a new one. The original purchase was made under the understanding of a XXXX interest-free financing arrangement. Regrettably, the recent statements reflect an imposition of interest charges, contrary to the agreed-upon terms. 

Furthermore, my attempts to address this matter through the chat option on the Synchrony XXXX 's website proved unproductive. The live agent ended the conversation prematurely, leaving me without a viable solution or resolution. I am disheartened by the lack of customer-centric service exhibited during this interaction. Instead of resorting to repeated phone calls, I am choosing this XXXX XXXX as I believe it will provide a quicker and more efficient response. 

To expedite the resolution process, I am formally requesting the following credits to be applied to my account immediately : XXXX. Interest charged in the XXXX statement : {$54.00} XXXX. Interest charged in the XXXX statement : {$52.00} XXXX. Previous XXXX XXXX owed : {$61.00} The total requested credit amounts to {$160.00}, which I believe accurately reflects the interest erroneously charged to my account. It is important to note that I have made payments covering the balance, excluding the disputed {$160.00}. 

I am genuinely disappointed by the continuous issues and challenges faced in dealing with Synchrony. As a responsible consumer who consistently pays bills on time or ahead of schedule, I expect a higher standard of service and transparency. 

I kindly request your immediate attention to this matter and a prompt resolution to ensure the credit adjustments are reflected in my account. Your cooperation is greatly appreciated. 

Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress.

Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy.

Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies. 

I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.
Product: Checking or savings account

In XXXX, I opened a money market account with Synovus Bank. My checking account and CD were already enrolled in paperless banking, so I assumed the new account would follow suit. However, Synovus enrolled my money market account in paper statements without notifying me, and I was subsequently charged a XXXX XXXX monthly fee for this service. These charges have been applied since XXXX. 

When I visited the branch on XX/XX/XXXX, the relationship manager confirmed that my accounts were supposed to be enrolled in paperless banking. Despite this, I discovered in XXXX that I was still being charged for paper statements and remained unknowingly enrolled in them. 

When I called my relationship manager on XX/XX/XXXX, he explained that Synovus ' default process is to enroll new accounts in paper statements, which automatically incurs the XXXX XXXX monthly fee. While he credited me for two months of these charges, he stated he couldnt assist with the rest of the fees at that time. 

I find it concerning that Synovus defaults customers to a chargeable paper statement service rather than opting them into paperless banking by default. This practice feels deceptive, as it creates unnecessary charges without proper communication or consent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Utah has reported a repossession on my credit report that they then resold the car to someone else after repossession and which the only reason I know I because on this card on the subs my name is carved into them and a car had ansystem playing and I seen it was the same car as I use to have that got repossessed so I said hey can I see you subs and he said yes and sure enough the subs had my name carved in them I asked where he got car said he bought it from XXXX XXXX XXXX XXXX  for XXXX which cover the amount I owe and if a company doesnt auction the vechile and put that money towards the past due balance instead they resold car then are receiving XXXX dollars more for the car and hasnt even given me any credit in my credit report the balance is the exact same as when I got car repossessed in. Disputed they keep saying its accurate which if thats that case its illegal for them to be collecting money on the car from someone else and saying they havent received any amount for that car that they reported I havent paid any towards and they didnt recover anything or any amount of car they need to take this car as paid in settlement or something but needs to be a XXXX balance.
Product: Credit card or prepaid card

On XX/XX/22 I called to Home Depot to see what was going on with my account I was advised that on XX/XX/22 my account had a {$100.00} payment that was rejected due to that my bank account was frozen. I was unclear due to that the payment was made by my checking account and not my debit account. I was advised to go to the store and make a payment and it would post immediately. On XX/XX/22 I made the payment and it was not processed. I called back to Home Depot at that point I received a very rude rep and was told that my payment was being held until XX/XX/22 due to that I keep writing bad checks. I did not write a bad check my account was compromised and the bank closed it to protect me. I was not aware that it would have an issue with things already in place. I felt discriminated against and Home Depot treated me like a criminal. I have been calling over and over and I was then told that they would call the bank to make sure that my payments were legit due to that if they released the fund I would go spend it and defraud the company. I was appalled. I was basically being treated like a criminal. I have been trying to resolve with Home Depot and was told that my account was in the presidential dept handled by XXXX who states that she was in the CEO office of Citibank and that she just got my case Monday XX/XX/22 and she needed 15 days to assist and that all of my payments had been processed but per XXXX stated that I still had to wait 48 hrs and that she was not going to release it because it would be released in 48 hrs anyway. I am in process of remodeling my home and I am just beyond disappointment as to the racial unfair treatment that has been received. Home Depot Citibank is XXXX and treats people unfair by the name of the customer