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

I am filing this complaint due to ongoing errors and violations in the reporting of my Consumer Adjustment account ending in XXXX. Despite disputing these inaccuracies for over five months with Consumer Adjustment and the credit reporting agencies, no corrective action has been taken. These errors are severely damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Date Opened is listed as XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These are future dates and clearly impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Collection Status : The account is reported as a Collection/Chargeoff with a balance of {$570.00}, but no verifiable documentation has been provided to substantiate this debt. This violates my right to have only accurate and verifiable information reported. 
Failure to Verify Disputed Information : Despite my disputes, Consumer Adjustment has failed to provide verification of the debt within the 30-day timeframe required by the FCRA Section 611 ( 15 U.S.C. 1681i ). Furnishers are required to verify disputed information or delete it.

Violation of Accuracy Requirements : The reporting of this account with unverifiable and contradictory information violates the FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to ensure maximum possible accuracy of the information reported. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ).

Consumer Adjustment 's failure to correct these errors is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.
Product: Credit reporting or other personal consumer reports

Called each credit agency and advised them that I did not authorize my credit to be ran and they stated I needed to fill out a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the item which I have disputed was removed. However, I have still remaining inquiry on my report which is unauthorized and was resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
INQUIRY : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

HELLO, I HAVE CONTACTED CITIZENS ONE LOAN ABOUT MY UNPAID PROPERTY TAXES AND ESCROW ACCOUNT. ON XX/XX/2020, THEY SENT A PAYMENT TO MY PROPERTY TAX AUTHORITY, BUT UNFORTUNATELY, THEY MADE A BIG MISTAKE AND SENT IT TO THE WRONG PROPERTY PARCEL ( WHICH IS NOT EVEN MINE ). I HAVE CONTACTED THEM NUMEROUS TIMES FOR THEM TO FIX THIS AND THEY HAVE FAILED TO DO SO. EVERY TIME I CALL, I SPEND AT LEAST 1HOUR AND A HALF WAITING FOR A SUPERVISOR AND NOONE IS EVER AVAILABLE OR CALLS ME BACK. EVEN AFTER THE REP SAYS THEY WILL CALL ME. ALSO EVERY TIME I CALL I HAVE TO EXPLAIN THE SITUATIONS BECAUSE THERE IS NOT EVEN A CASE NUMBER. ALL I GET FROM THEM IS THAT THEY ARE STILL INVESTIGATING. I HAVE CONTACTED THE TAX AUTHORITY AND THEY HAVE EVEN PROVIDED A WEBSITE FOR THEM TO VERIFY MY PARCEL. I FINALLY WAS ABLE TO SPEAK TO A SUPERVISOR AFTER MOPNTHS AND SHE WAS LITERRALY RUDE AND SAID THAT IT WAS NOT UP TO HER. I ASKED FOR HER TO PLEASE ESCALATE THE ISSUE AND IS BEEN 4 MONTHS AND THIS HAS NOT BEEN RESOLVED. I DO NOT KNOW WHAT TO DO ANY MORE. JUST FOR THE RECORD, CITIZENS BOUGHT MY LOAN WHICH MAKES IT EVEN MORE FRUSTRATING AS I HAVE READ ONLINE ABOUT MULTIPLE PEOPLE HAVING THE SAME ISSUES. I AM HONESTLY OUT OF OPTIONS. 

XXXX XXXX XXXX : XXXX : XXXX
Product: Debt collection

This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from Global Credit & Collection Corp for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion. 

I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them. 

I called Global Credit back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments, LLC ... 

I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.
Product: Debt collection

In XXXX 2017 I contacted the my doctor office about any unpaid balance. According to my doctor office I do not owe any balance, all of my bills were cover by my insurance. So, I am not sure what debt I owe?
Product: Debt collection

I am a victim of identity theft, where an unknown individual unlawfully used my personal information to open multiple accounts in my name without my knowledge or consent. Upon reviewing my recent credit reports, I discovered accounts that I did not open, authorize, or have any association with. These fraudulent accounts are associated with my XXXX score and include unauthorized balances and account numbers, which have negatively impacted my credit standing. 

CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business day of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 personal credit card accounts opened at XXXX XXXX, on XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  on XXXX XXXX XXXX XXXX and a collection account opened at XXXX XXXX XXXX on XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this report to address unauthorized hard inquiries on my credit report. Below is a detailed list of the inquiries from all three major credit bureaus that I did not authorize and am requesting to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these inquiries, and I am requesting that they be removed from my credit report. Please review the details provided and take the necessary actions to ensure these unauthorized entries are removed.
Product: Payday loan, title loan, or personal loan

I met someone online 5 months ago and it was not until sometime into the online communications he asked if I would allow some items to be sent to me and when he got out of the XXXX he would reimburse me. I took out three loans totaling over {$40000.00}. I have also paid about approximately {$10000.00} more on top of that. It was suggested that I contact you to see if there is any recommendations or assistance you can provide to help me with this. I am single and I have XXXX children. I have all the documentation that substantiates where the money was sent and to whom. I reported it to the police and FBI but I do not know where else to go so the detective gave me information on agencies that may assist. The scammer 's email address is XXXX. The delivery agency is XXXX XXXX XXXX. 

My loans are with PNC, XXXX, XXXX and XXXX. 

I thank you for your assistance.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX
Product: Credit card or prepaid card

I have been getting multiple credit card offers from Capital One, XXXX  XXXX, and XXXX XXXX  XXXX. Some weeks, I get four mailings from these companies a week. 

Every letter has the same opt-out number, XXXX. I called the number to opt-out and it always leads to someone with a heavy accent who tries to ask for personal information. 

I suspect someone is trying to pull a scam.
Product: Debt collection

I reached a judgment agreement in XX/XX/XXXX regarding a Citibank credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XX/XX/XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XX/XX/XXXX and the balance was {$13000.00} ( I believe ). On XX/XX/XXXX, I asked the lawyer I had hired to reach out to XXXX XXXX XXXX and request a reprieve for a few months, because my son 's father had died in XX/XX/XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to XXXX XXXX XXXX, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called XXXX XXXX XXXX, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to Citibank, I do not believe in the few short minutes they put me on hold they had any communication with Citibank regarding this issue. Since Citibank hired this outside attorney, I believe their collections practices are egregious.
Product: Bank account or service

Experian Credit Reporting Agency advertised on-line you could receive your credit report for {$1.00}, then in tiny fine print I did n't see secretly started charging my bank account $ XXXX/month for the past year to monitor my credit -- but NEVER told me that! So I was charged {$370.00} for ABSOLUTELY NO SERVICES WHATSOEVER!! IT 'S A BIG SCAM! When you call them, they do nothing! I had no idea I had a " monitoring service '' on-line. ( did n't want XXXX. ) Experian refuses to refund even a penny.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 USC 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I am putting LVNV Funding/Resurgent Capital Services on notice to cease and desist further communication with the consumer in regard to this alleged debt, I do not owe them anything, I will not pay them anything, I do not have any written or signed contract with them and any information used without my consent is identity theft. This cease and desist also applies to the conveying of information regarding this debt on my credit report as well, my credit report is a medium.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a recent complaint against Synchrony Bank with CFPB XXXX regarding Pay Pal always suspended my account. Synchrony Bank is over Pay Pal and I was sent a letter by Synchrony Bank that my credit accounts are in serious delinquency. I never requested a credit line increase with a Pay Pal Extras Master card. I believe the outcomes retaliatory because I filed complaints with CFPB that PAYPAL is conducting unethical practices and procedures. 
Synchrony Bank is misleading and fabricating to send me such a letter that I never request a credit line increase in a retaliatory manner to support PAY PAL 's deceptive practices of trying to enrich themselves by suspended my account maliciously. I had received another letter from PAY PAL on XX/XX/2020 suspended my account again. I will forward this information to the US Department of Justice, USTreasury Department, and FBI and State Attorney office for an investigation against Schrony Banks ' retaliatory, fraud ( that I request a credit line increase ) deceptive practices.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX  XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/XXXX, asking them to reinvestigate these accounts since they are not accurate. and here is my tracking number : XXXX. 

I got the investigation back but nothing have been modified or updated from what I have noticed. 

So, I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7 They also violated 15 USC 1681i ( 5 ) Can you look into this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite haven't sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligned with the recent CFPB Findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I don't want this in my report, they are accounts with negative information that I don't remember having. 



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

In accordance with the Fair Credit Reporting Act the following Accounts, have violated my rights. 

XXXX5 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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off another account a couple of years ago with COLBRSRV and then they decided to add this debt to my report after I paid off the other debt. I have never been to XXXX before. I have asked for a copy of their investigation, but they refuse to provide it. I have also asked that a HIPAA Compliance officer provide signatures and any other documentation that shows that this is my debt, but nobody is providing anything. There are XXXX debts from XXXX on XXXX totalling XXXX and XXXX debt on XXXX totalling XXXX. Neither of these debts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On Tuesday XX/XX/2019 there was a hard inquiry from a company that I did authorize nor would I of. I have never heard of them until this day. XXXX XXXX informed me with an alert. The company 's name is SYNCB/XXXX. I called the company and they were of no help other then to say we don't have you in our system or show you have any account with them. Very unhelpful. 
My credit dropped from 760 's to 660 's. I told them this was unacceptable and they didn't want to hear it or help in any way. I called XXXX XXXX and filed a dispute online. XXXX told me it was a " soft inquiry so they couldn't do anything to help me. Per XXXX XXXX it was definitely a " hard inquiry ''. 

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

XXXX XXXX XXXX XXXX XXXX XXXX and I was unable to make my payment which caused me to have a 30 day late payment. While being ill I spent a lot of time trying to get ahold of someone who can help me over the phone. The payment was 30 days late. I have NEVER in my life been late. Especially with this company. This is my 3rd account with American Honda finance. I have spoken to customer service and I wrote a letter explaining my unfortunate circumstances and I was denied. I dont think it was right as it was a health related issue that I could not control. I should be able to get a one time courtesy as before and after that late payment Ive never been late. I understand business is business but I was fighting for my life and not able to get this one 30 day late payment removed
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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