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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Late/Open Accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$63.00}
Product: Credit reporting or other personal consumer reports

The company hadn't sent a card, nor any type of communication stating that I had a due balance. There was no way for me to pay without knowing my account information ( card number ), nor was I given any notification until they'd already penalized me and reported it, which I didn't authorize. I immediately closed the account after this incident and synchrony denying their role, however, the account didn't reflect as closed until months later. They also put a new XXXX  day late notice on my transunion account last month ( XX/XX/2024 ).
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the Law offices of XXXX XXXX XXXX and associates. 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as Chase now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Ally Financial continues to report unverified and inaccurate information to XXXX.XXXX and XXXX. I sent a letter on XX/XX/2018 asking for validation of this debt under the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS certified receipt shows Ally received my letter on XX/XX/2018. After 30 days from the receipt of the validation of debt request, I received no response from Ally Financial. On XX/XX/XXXX I sent a follow-up letter demanding the inaccurate unverified information be deleted from my credit reports due to the violation of the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS receipt shows Ally received this follow-up letter on XX/XX/2018. Again Ally failed to provide me any verification or validation of the debt as required by law but did not delete the information from my credit reports. My complaint with the CFPB and intent to sue Ally Financial is based on the blatant violation of the FCRA Section 623 ( a ) ( 1 ) ( A ) by ( 1 ) Failing to validate the debt in question while continuing to report to the credit bureaus. ( 2 ) Verifying an account with the credit bureaus before my request for validation has been completed. ( 3 ) Knowingly reporting inaccurate, invalidated information .Documentation attached.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. For example, consumer reporting agencies must provide notice of a consumer dispute to the furnisher who provided the disputed information, conduct reasonable investigations to determine whether the disputed information is inaccurate, and provide the results of the investigation to the consumer. 

The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by :
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently closed. There were students who attended this school whose loans were cancelled. I feel that I should be receiving the same treatment as any other student who no longer repays a loan to a closed institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ) and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

Innovate Auto Financial is not reporting my payment record to the two credit bureaus they say they report to ( XXXX and XXXX ). This is affecting my credit negatively and preventing necessary purchases.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union due to overdraft fee that I incurred. Despite having sufficient funds when transactions were authorized. I was charged a fee due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy for similar practices. Transactions were settled with insufficient balances, despite initially available funds. These practices are unfair and I request an investigation into my account transaction
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. Experian is violating my right to privacy without my consent. The nonaffiliated 3rd party companies identified in this report along with Experian DO NOT AND NEVER HAD MY CONSENT TO use and share my nonpublic personal information. Im aware that this not only a violation of the Fair Credit Reporting Act but also constitutes as a violation to the Privacy of Consumer Financial Information Rule ( Financial Privacy Rule ). Their unfair, deceptive acts are harming me a consumer along with causing me financial hardship and complications while trying to operate in commerce! Ive made the Federal Trade Commission aware of their illegal actions * see attachments*
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

Wells Fargo shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. Wells Fargo let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I am writing to formally address a serious matter regarding the alarming number of harassing calls I have received recently. These calls have become frequent and disruptive, and despite my attempts to obtain information via mail, I have yet to receive any response or clarification regarding the nature or origin of these calls. 
What is even more concerning is that, around the same time this harassment began, I noticed a significant increase in unwanted calls from other numbers. This raises serious questions about whether my personal information has been improperly released, shared, or otherwise compromised. 
I am deeply troubled by these developments and the potential violation of my privacy. I demand an immediate investigation into the source of these calls, the handling of my personal information, and an explanation as to why I have not received any communication via mail, as expected. 
This pattern of harassment and the apparent misuse of my personal information is unacceptable. Please treat this as an urgent matter and provide a detailed response, including any records or documentation regarding the handling of my information and the source of these calls. 
Failure to address this issue promptly will leave me with no choice but to escalate this matter to the appropriate authorities, including consumer protection agencies and regulatory bodies, to ensure my rights are protected. 

I have attached the documents that was sent via mail, that has yet to be answered. XXXX of which includes a Cease and Desist. I would appreciate a response since. I have not received any written correspondence at this time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding some inaccurate items on my credit report that are negatively impacting my credit score. Despite my numerous attempts to resolve this with the collecting agency, it remains unsolved. I request immediate investigations and removal of these items from my credit report as they are incorrect and do not reflect my true credit history. 

The following items need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2019 I sent a payoff amount of {$44000.00} online thru XXXX XXXX XXXX XXXX to Gateway One Lending and Finance. 

Today, XX/XX/2019 when I try to log into my account, it says that my account # is not valid and that my email address is not valid. 

Now I have no way to access my account information and I don't know if/when I will receive the title to my vehicle. 

Thank you for your help. 

XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX was transferred to SLS. XXXX stated that I was behind approximately 2 payments. During the transition I made XXXX payments 1 for {$700.00} and the other for {$1000.00}. I was told by XXXX that I had a suspense account in the amount of {$580.00}. I applied {$100.00} to my XX/XX/XXXX payment and paid the difference for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with several representative at SLS who stated that they would review the breakdown of my account. It was stated that they have most of the payment, however, approx. {$200.00} was needed for XX/XX/XXXX. SLS stated that they could not go back due to just receiving the account. SLS manager stated that they will reivew information regarding payments. Someone in charge in the sesearch department would contact the me. It was stated that the {$1000.00} was not found. I have receipts of the XXXX XXXX payment that was received by XXXX and confirmed through XXXX XXXX. I have caught up on all of my mortgage payments. I need to know which mortgage company has the amount that I have sent via XXXX XXXX and resolve this issue. I am receiving calls from SLS asking for the amount that I have already paid out to them. I am frustrated and stressed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant FCRA that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two secure credit cards opened at XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XXXXunder the account number ( XXXX ), a furniture loan at XXXX XXXX XXXX XXXX  on XXXX XXXX account number ( XXXX ), and a collections account at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1500.00}, that appears to be related to XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the 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 inquires as reported. The aforementioned accounts, collections, and 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 inquiries are the result of identity theft and fraud ( XXXX ). I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aformentioned accounts, collections, and inquiries the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

hello this is for the XXXX credit bureaus, I been working on my credit report for 6 months and I have add some good account to create good credit and the score says XXXX and is not generating. I would need the credit bureaus to report accurately.
Product: Payday loan, title loan, or personal loan

I applied and was denied a loan XX/XX/2021 from OneMain ( violations of 15 USC 1611 and 15 USC 1691 ).
Product: Debt collection

XXXX XXXX charged me {$320.00} on XX/XX/XXXX and {$91.00} on XX/XX/XXXXXXXX XXXX XXXX set the wrong insurance ( XXXX XXXX XXXXXXXX ) and never contacted me for the correct insurance XXXX XXXX XXXX XXXX XXXX XXXX ) or with a bill via phone, mail, or email. XXXX XXXX sold the debt in XXXX to Receivable Management Systems. Receivable Management Systems never sent me a letter to the address provided to them by XXXX XXXX. I have never received documentation from Receivable Management Systems, even after requesting it once I checked my credit and saw the collections account. I called XX/XX/XXXX and was told the account has been accruing interest since XXXX, and the amount owed is {$900.00}. I was unaware of this collection account, and Receivable Management Systems never reached out to me and has an address on file they pulled from some unknown source. Receivable Management Systems have never reached out to the address they have on file. 

Receivable Management Systems XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Toll-Free Hours of operation : Mon. XXXXXXXX XXXX XXXX XXXX XXXX Friday XXXXXXXX XXXX XXXX XXXX Saturday XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Hi, I was trying to dispute my collections from national credit Adjusters on my credit report which is not my debt at all and it is still on my record The original creditor cash 1. I would like it deleted indefinitely in exchange for settlement of the full amount XXXX. The both times I tried disputing it came back Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.
Product: Money transfer, virtual currency, or money service

DeaXXXX XXXX XXXX XXXX, My name is XXXX XXXX, contact details : XXXX, XXXX. 
I kindly request your assistance on the following matter. 
My USD XXXX transfer made on XXXX XX/XX/2022 from a broker organization ( XXXX XXXX XXXX  in XXXX, where I bought some USD at the trade market ) to local Citibank branch in XXXX got suspended in correspondent bank which is Citibank NA ( XXXX ). XXXX tracker shows status that the payment was rejected the same day ( XXXX XX/XX/2022 ), however it was not returned to a sending bank ( XXXX XXXX XXXX in XXXX in this case ). 
As per my request, sending bank ( XXXX XXXX XXXX ) initiated a request for search and refund of the payment, on XXXX XX/XX/2022. However, the money still have not been returned. 
I tried to contact both Citibank in XXXX and in XXXX. Citibank XXXX ( which I am client of ) has not seen the incoming transaction at all. Citibank XXXX, which I tried both calling and contacting by e-mail, refused to assist me, and redirected me back to sending bank, which already initiated the investigation/refund request on XXXX XX/XX/2022 but has not seen any response from Citibank since XXXX. 
It's been already more than a month since outgoing transaction was made, and the funds are still beeing held by the correspondent bank, despite they almost immediately rejected the payment. 
I kindly ask you to facilitate the refund of my money to the sending organization. 
Please see the XXXX number of the transaction : XXXX, and I am also attaching the outgoing SWIFT message for XXXX reference. 

Sincerely hope for your help, XXXX regards, XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have PayPal Cashback credit card that is issued by Synchrony Bank. On that card Synchrony Bank offers 2 % of cashback that can be redeemed either as credit to the credit card account or as PayPal balance. This card is connected automatically to one 's PayPal account. The only way to get access to the internet bank of the card is through PayPal account. 

On XX/XX/ something happened to my PayPal account, it got disconnected from PayPal Cashback card and could get to the internet bank of the card any longer. Among other things I lost control over the cash rewards point. At the moment I have number of reward points that is equivalent to {$330.00}. 

I called support of that card multiple times. At first, they suggested that it's possible to reconnect the card to PayPal account manually. It turned out not to be true. Then they said they can issue a check on the reward point amounts - it turned out not to be true as well. Last time they said that it may be possible to credit my account for that amount but they closed my case again instead with a generic response ( see first_letter.pdf and second_letter.pdf ) Synchrony bank didn't provide any viable solution after all.