23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is in regards to Synchrony Bank and their attempt to collect a debt that is clearly a result of fraud. Synchrony Bank owns the debt of paypal crediXXXX  which is the account that this regards to. 

In ( estimation ) mid XXXX I opened a XXXX credit account and briefly used and paid off the debt associated with it. I no longer have access to the email address associated with this account, I don't know the account number or anything else. 

I noticed my credit score was dinged recently by XXXX and I was very confused given that not only have I not used this account in years ; I also have no means of logging in so I gave them a call and after being stonewalled I discovered that there were payments made on to this account ( XXXX something dollars ) that I don't recognize and I was charged a late fee. 

Again not only have I not used the account ; I would not be able to use it if I wanted because I don't even have access to the email associated with it anymore. I had to make multiple phone calls where I was repeatedly asked to make a payment for something I don't even recognize and they finally transferred me to their fraud department where they claimed they would open an investigation and get back to me. 

Under no circumstance am I going to pay for these fraudulent transaction and I am making this complaint because they have already dinged my credit score without actually contacting me and I want to apply additional pressure on them.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, I am writing to dispute the reporting of the XXXX XXXX XXXX XXXX ( XXXX ) account on my credit report. This account is inaccurate and unverifiable, and XXXX has already removed it from my credit report as of XX/XX/2025. 

I have contacted both XXXX and XXXX XXXX regarding this account. XXXX XXXX has explicitly stated that the account does not belong to them, and XXXX has failed to provide any documentation verifying the accuracy of this debt. Despite repeated requests for verification, no supporting documents have been provided to me or to you, as required under the Fair Credit Reporting Act ( FCRA ). 

Reporting unverifiable information violates : 15 U.S.C. 1681e ( b ) : Requirement to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation. 
I demand that you immediately delete this account from my credit report. Failure to comply with this request will leave me with no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action to protect my rights under federal law. 

Please confirm the deletion of this account in writing within 15 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed the collections on my credit report I want the following deleted from my credit report the XXXX inquiries and my name is also wrong on my credit report my name is XXXX XXXX XXXX anything else is not my name nor do I authorize it on my credit report I also want to take the personal statement off my report because I'm going to be applying for loans soon within a week I need emergency funds and I'm not able to get funding because of the incorrect amount of inquiries on my report and these collections that are reporting twice from the same company XXXX XXXX XXXX XXXX  store. On my identity report that im going to be uploading on there are the accounts that aren't mines and is reporting inaccurately and my rights from the fair credit report act allows me to have any incorrect information on my report to be immediately deleted and not to be put on there ever again.
Product: Debt collection

I was in the XXXX from XX/XX/XXXX-XX/XX/XXXX. I have been working to obtain a VA loan for a home for my family. However, I have 4 collections through the same agency that have to be deleted in order for my credit score to reach the required number. I called this agency several times ( fromXX/XX/XXXX to XX/XX/XXXX ) and was given excuses as to why they couldnt delete them. Some of those excuses were that its illegal, they have a contract with the credit reporting agencys, and that its not honest. Each time I called, they would give me a different reason that they couldnt help me. I offered to pay all 4 collections in full provided I could have them deleted, but they said best they could do, is mark the accounts as XXXX. Any help you may be able to provide would be greatly appreciated. The collection agency is XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, IN XXXX. Phone number is XXXX. The first two collections is from XXXX XXXX one is for {$580.00}, which was opened on XX/XX/XXXX and the other is for {$370.00}, which was opened on XX/XX/XXXX.The next account with them is from XXXX XXXX XXXX ( accountant ) for {$350.00}, was opened on XX/XX/XXXX. The last account with them is from XXXX XXXX XXXX XXXX XXXX for {$250.00}, was opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is in violation of UDAAP ( practicing deceptive practices ). I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). EXPERIAN MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : * XXXX XXXX Inquiry XX/XX/XXXX * XXXX XXXX Inquiry XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX Inquiry XX/XX/XXXX * XXXX Inquiry XX/XX/XXXX * XXXX/XXXX XXXX XX/XX/XXXX * I am also attaching my Driver 's License as Experian frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries were not made by me : XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I believe it is fraud and want them removed immediately and indefinitely.
Product: Debt collection

AMSHER COLLECTIONS stated I opened an account with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to insert an account on my credit profile and I have not received them. I have requested numerous times for this information. They have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was removed by all credit companies and is now showing back up on my credit report. Please remove this item. Its not mines Documents have been submitted over 10 times. This item was removed and they passed it to a different debit collector. The item was removed for fraud. So they cant do that.. PLEASE UPDATE MY PERSONAL INFO AS WELL
Product: Credit card

Notice of Fraudulent Activity and Request for Account Resolution Dear Revvi Customer Support, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding fraudulent activities on my account with Revvi. 

I recently returned from a XXXX tour in XXXX, XXXX, and upon my return, I discovered that multiple accounts were opened in my name without my knowledge or consent. It is evident that I could not have initiated these transactions, as I was XXXX during the time these accounts were opened. 

To support my claim, I have attached the following documents : Military Orders : Providing evidence of my XXXX to XXXX, XXXX during the period in question. 
Police Report : Filed to document the fraudulent activities and initiate an official investigation. 
FTC Report : Submitted to the Federal Trade Commission, detailing the identity theft and fraudulent accounts associated with my name. 
I am not seeking any monetary relief from Revvi ; however, I urgently request your assistance in rectifying this matter. The fraudulent individuals not only opened multiple accounts in my name but also overdrawn bank accounts, causing significant distress. 

Last 4 : XXXX XXXX : XX/XX/XXXX  For your reference, please find my correct contact information below : Correct Contact Information : Phone : XXXX Email : XXXX I kindly request that you promptly investigate and take necessary actions to remove these fraudulent accounts from my credit report. Your cooperation in resolving this matter as soon as possible is greatly appreciated. 

If you require any further information or clarification, please do not hesitate to contact me at the provided legitimate contact details. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following hard inquiries listed on my credit report. I have reviewed my credit report and have found these inquiries to be inaccurate and unauthorized. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove them from my credit report as soon as possible. 
Below is a list of the disputed inquiries : Creditor Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2023 I did not provide authorization for the company listed above to access my credit report, nor do I have any recollection of initiating any transaction or applying for credit with them. Therefore, I am concerned about the accuracy and validity of this inquiry. 
Please conduct a thorough investigation into this matter, including verification of the legitimacy of the inquiry with the respective creditor. Under the FCRA, I understand that you are required to complete this investigation within a reasonable timeframe. 
In accordance with my rights under the FCRA, I request that you provide me with verifiable proof of your findings and actions taken. If the disputed inquiry can not be verified or is found to be inaccurate, I request that it be promptly removed from my credit report.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.
Product: Vehicle loan or lease

In 2012, I obtained a loan from US Bank to purchase a new boat. I have made regular payments over the life of the loan, and several years ago I started making principal only payments. I received monthly statements which indicated the principal balance outstanding, which I was steadily working down to the point this summer where the loan should have been paid off. My monthly statements for the past couple of years have always reflected " interest due '' of XXXX. When I got to within a couple of thousand dollars of having the principal paid in full, the bank claimed for the first time that there were thousands of dollars owed in interest. My monthly statements never reflected this. I requested a loan reconciliation/history of payments, which also shed no light on the interest now supposedly due. The explanation I received on the phone was incomprehensible, and I was assured there were no errors. Every time I call, there is a material difference in the sum they now claim to be the payoff amount. The bank has failed to disclose material information, and I have no confidence whatsoever in the accuracy or honesty of the amount they now claim is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Debt collection

In XX/XX/year>, I was contacted and told that I needed to pay or there would be court action. So I paid them one payment. Then my financial situation was worsened because of a car accident. I pay them one payment in XXXX, but because my financial situation, I could not pay this month. I wrote a letter to email them but could not find a good email for them I then did research, other people also heard from them but was not sure about who they were and their status. I dont understand why they dont have an email. They can email me with a no return email, but XXXX cant email them. So before i send anything else I want to know if they are legit. The research shows thay do not and I dont want to send anymore money expecially in my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit report agency XXXX XXXX, XXXX and XXXX. I requested an extension deferral on my car loan with XXXX in XX/XX/XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Product: Bank account or service

discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age ( provided the applicant has the capacity to contract ) ; [ XXXX ] to the fact that all or part of the applicant 's income derives from a public assistance program ; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The law applies to any person who, in the ordinary course of business, regularly participates in a credit decision, including banks, retailers, bankcard companies, finance companies, and credit unionsXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card.

TODAY, I discovered 2 hard inquiries on my XXXX report from XXXX XXXX and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my Experian report, but I was unable to make an account. It appears the scammer made a fake account with Experian under my name, as they used an old email and I discovered an email in my inbox welcoming me to Experian. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact Experian, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that Experian has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.
Product: Mortgage

I received an email explaining my credit was reviewed after i told the broker not to contonue after discovering my credit freeze.
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion on multiple occasions and have constantly gotten the run around. Transunion gives you the hardest time to get inquiries removed. Upon speaking with multiple people on the phone they tell me I CAN NOT dispute hard inquires over the phone and to write a letter. A letter was sent out on XX/XX/XXXX by U.S certified mail receipt. Transunion did not complete an investigation or sent me any steps that were taken they simply responded with a generic letter explaining to me what a hard inquiry was as the letter asked them to be removed.

Under the Fair Credit Reporting act 15 U.S.C 1681b ( c ), a creditor or lender is permitted to access my credit report only with my explicit consent or for a legitimate purpose related to credit application, loan or account management. However, I believe several inquiries on my report DO NOT meet the criteria. 


Details of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To my knowledge I did not authorize any of these Inquiries, nor did I initiate any transactions or applications that would justify such actions. The FCRA requires that companies obtain written consent before accessing a consumers credit report. These unauthorized inquiries not only infringe upon my rights under the FCRA but also negatively affect my credit score and overall credit worthiness.
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 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 : 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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021