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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX XXXX The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a Stellar finance Inc account open reporting the amount of {$310.00} inaccurate that was also fraud. and XXXX XXXX XXXX reporting late payments and inaccurate balance.
Product: Consumer Loan

This complaint is regarding Synchrony bank 's unfair and deceiving information reported to the credit bureaus. I have several accounts with Synchrony bank, however I have had problems with them lately, which resulted on negative impact on my credit. First, m y PayPal account was upgraded to a paypal MasterCard, a nd it did not mention anywhere that this was a separate account, unrelated, and now financed by Synchrony bank. They reported this as new credit, which i never auth orized a credit score to be pulled . I contacted them and was told ut would be removed from my credit report within 30 days. It is still there. I called every month, the same story. Unbeknownst to me, it appears that my automatic payments I had set  up with PayPal did not transfer to this, and Synchrony did not  send me a bill until late  XXXX   XXXX  telling me i was late on my payment. They reported this to all  XXXX  credit bureaus. I contacted them and was told at first that I was late only 1 month, and they do not report until 60 days. So they did not know why. Then superviser stated that I had been late since  XXXX . My account has been under investigation for theft, yet they did not notify me of anything being due until late  XXXX . Also Synchrony manages the Walmart card. I had identity theft, and someone applied for the Walmart card fraudulently. I contacted Synchrony several times, and gave them all police reports, and each time they promised they would remove this hard inquiry from credit reporting agencies. This was in  XXXX   XXXX . The inquiry is still there. Therefore I have now  XXXX  items from Synchrony that have negatively impacted my credit, a late payment due to misleading practices, a fraudulent inquiry not removed due to incompetence and disregard or else, and an added new account for which  my credit score was pulle d without my authorization. In addition, it is worth noting that that they approved me for furniture purchase credit, and I only used half of it. When however I went to use another {$500.00} they said they would need to get a credit report first even though i had over {$6000.00} available credit.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and seen inaccuracies and disputed with credit bureau. I have Highlighted all incorrect information : see attachment
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

4 different collection companies sent demand notice ( " FEDERATED LAW GROUP, XXXX XXXX, XXXX XXXX AND XXXX XXXX '' ) for same debt that's not mine AND VIOLATES " FCBA AND FDCPA '' ... FRAUD AFFIDAVIT FILED WITH ALL " CRA ''
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding several accounts appearing on my credit report, which I believe have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, I am disputing the following accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX ( Account # XXXX ) XXXX  XXXX XXXX Account # XXXX ) XXXX  ( Account # XXXX ) XXXX XXXXXXXX ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account XXXX XXXX ) Violation of FCRA Privacy Provisions Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my personal and financial information. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing information on a consumer without their written instructions. I have not provided written consent or instructions to any of the aforementioned creditors or reporting agencies to access or share my personal information. Therefore, I believe my rights to privacy under the FCRA have been violated. Request for Resolution I am requesting the following : An investigation into the accounts listed above to confirm whether the proper procedures and consents were obtained. Immediate removal of any unauthorized accounts from my credit report. Confirmation that all reporting agencies and creditors involved are compliant with FCRA requirements. I am providing this dispute in good faith and request your assistance in ensuring my rights are protected. If additional documentation is required, please inform me at your earliest convenience. Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and XXXX asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.
Product: Debt collection

I was first contacted by Bronstein & Weiss Arbitration about 2 years ago about a pay day loan taken out in XXXX, Ohio by a woman who had the same name. They called the home of my elderly parents and were rude and threatened to serve me papers at their address. The papers were never served. A few months after that the abusive phone calls started again. This time they were calling my parents and my cell phone leaving messages that they would come serve me at my job. In XX/XX/XXXX they contacted my parents again and called my cell phone. When I answered the man on the line was extremely rude telling me to pay what I owe and that because of Trumps presidency he could speak to me in any tone of voice. The man hung up on me. After calling and being hung up on 3-4 more times I finally got a person on the phone. We compared information and determined that I was not the account holder. The social security number, address, date of birth, and place of employment were different from mines. Fast-forward to XX/XX/XXXX and I am still receiving threatening phone calls to my parents home and my cell phone. I have asked for documentation but of course I haven't gotten any because this person lives in Ohio and I live in Georgia. They have threatened to come to my job but I don't work at XXXX XXXX in Ohio. They are scarring my parents and causing my problems at work because they keep calling my cell phone.
Product: Debt collection

Today, I contacted the collection company and asked if they could send me a validation letter of the debt and the countersigned lease agreement to the apartment. The refused to sed this information to me and hung up in my face. I did not sign for the lease and was just asking for proof since this was reported on my credit as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my 2017 XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time XXXX-XXXX  hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEMENT XXXX. This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/1977. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint or written mail. 

Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Product: Debt collection

A collection company reported to credit report an account from XXXX obtained illegally because I have ever use neither that site, signed in or applied for any of the services they provide. I googled the vendor or holder of this account XXXX  customer service at XXXX XXXX XXXX since we dont have idea where that collection is at the first place in my credit report and I found that the address, phone number and email are fake and dont belongs to me. I ever been a XXXX  XXXX XXXX XXXX I am myself a XXXX. I made the complaint to them because I havent been able to contact the collection company because their phone on my credit report shows inactive at the same time searching the internet I found that the collector company CYBRCOLLECT is committing illegal practices with consumers and is even inactive enclosed please find screenshot of what i found.
Product: Debt collection

FIRST NATIONAL COLLECTION BUREAU sent me a debt collection notice dated XXXX XXXX, 2005, stating that I have a delinquent account related to XXXX. I have not had a XXXX account, and asked them for debt verification, including, but not limited to : Services Contract, documentation of where, where, and how the account was established. They responded by sending me a XXXX statement that is not mine, stating that this is validation of this debt. This is not correct, and I want to know all details of this account from alleged start to alleged finish.
Product: Credit card

They shut my account because of inactivity in XXXX of XXXX, but i had there money in cash rewards which they are not letting me claim ( {$430.00} ) they claim to have notified me about it, but i didnt get such notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am not usually someone who likes to complain or file complaints but I felt compelled in this situation because of the circumstances and the situation that I now find myself in. I am writing about a paid collection account with NCC Business Services. I paid this collection as soon as it was brought to my attention. This account is stemming from an old apartment that I had a balance with. I had no idea that I had a balance with them. I sent them the last payment and thought that the any monies owed were taken care of. As soon as it was brought to my attention I took care of this account and I thought that the matter was resolved. My credit score has dropped about 90 points as a result of this paid collection reporting on my credit report. Prior to this, I had no idea and I didnt receive any notification, written or verbal that I can recall in regards to this account. I cant help but feel a little cheated here because I am now trying to purchase a home for my elderly mother who is XXXX   and XXXX  and whos medical needs require her to live in close proximity to her medical providers office. I dont know why this systems works in a way where you are still punished for taking care of any obligations let alone obligations that you had no prior knowledge or awareness of. Seeing my mothers health decline has taken on a very heavy toll on me and Im beyond frustrated that Im unable to give her a qualify of care and comfort that she deserves due to one paid collection account that will not be deleted from my credit report. 

I ask that someone please assist me by putting in a request to remove this account. I hope someone can find it in their hearts to do this.
Product: Credit reporting or other personal consumer reports

I been disputing this I them for XXXX years I told XXXX this is fraud I have no knowledge of this account I attach all document an I want this account to be remove please. thank you
Product: Mortgage

I did a Modification in XXXXXXXX XXXX XXXXXXXX. The interest rate is 4 % for the life of the loan. In XXXX they started charging me 5.125 % I called them 12 times now. Everyone agrees Im correct but they refuse to correct it. I stopped paying my mortgage in XXXXXXXX XXXX XXXXXXXX until they fixed it. Now they are sending threatening letters. I have the money to pay them, but 8 months was plenty of time to fix this. I have all the phone conversations recorded if you guys need them. I attached the modification, please see page 2 paragraph 2. I also attached a statement showing the illegal interest. They take no responsibility then threaten me. This is not right and they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  XXXX XXXX XXXX {$610.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : In XX/XX/XXXX of this year, a friend of mine suggested that I take a short trip to the local XXXX XXXX  retail location, and talk with his " friend '' about a part time employment opportunity. Right then and there we got in the car, arrived at the location in XXXX, CA, and I met with the manager " friend '' We like one another, he then asked me to come back for a " short interview '' and about three days later I did just that. We spoke for a matter of minutes, and we mutually decided that this was a go. At that time, I went to a computer as provided in the store, and completed a quick questionnaire, that was obviously going to lead to a background check. 
Since I have a license to XXXX XXXX with the XXXX, as well as the California Department of XXXX XXXX, both of which performed extensive background checks prior to enabling me to qualify for and receive the licenses, I saw no problem with the background check as requested by XXXX XXXX  ... and provided by a firm by the name of Accurate Background. Before I go any further, I would like to add that every time ( such is sometimes necessary in this industry ) I changed XXXX companies/employers, they also pulled background checks. Each and every time, there was never a problem. 

Unfortunately, after applying for this part time position ( a position that I would still like to have as a supplement to my income ) Accurate Background supplied a background check to my employer to be, and the data contained ( including but not limited to my DATE OF BIRTH were grossly INaccurate. 

In essence, the report that they supplied was so far from reality, that I can easily understand why XXXX XXXX ( after several weeks ) decided that they wanted nothing to do with me. As an example, I had a dui almost 8 years ago, no injuries, an unfortunate event. However, they reported me as doing XXXX  time for some 300 plus days ... I did not spend one day in XXXX. Naturally your average individual who reviews a background check and sees that this person ( allegedly/incorrectly ) spent nearly a YEAR IN XXXX, must have done something very bad. 

As I stated via the click throughs, I have attempted to get clarity with Accurate Background all to no avail, other than the fact that they corrected my birthdate! 

I had what I and the manager thought was a turn key opportunity to make some money, realize a ( albeit nominal ) benefit package ) however, because of a highly erroneous report, I was denied employment. 

Lastly, my concern ( s ) go further than just this specific lost opportunity, I am also concerned about the ( probable? ) collateral damage this report may have / may cause going forward. 

Thank you in advance for your consideration! 

Sincerely, XXXX XXXX XXXX