23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I did not apply for Credit with SYNCB listed on my  XXXX  Report. I sent in a request for physical verification that the SYNCB Inquiry listed on  XX/XX/15    was in fact something they could prove I applied for and they sent a response saying they are unable to provide the proof, but then also refused to remove the inquiry from my report.
Product: Credit card or prepaid card

I have the XXXX Capital one credit card and recently took a balance transfer into the same account. The balance transfer is held separately at 0 % APR promotional rate for 12 months. I was told by phone twice in previous calls that any monthly payment in excess of the Interest saver payment would go to pay down the promotional balance. However, when I recently paid {$1000.00} over the Interest saver payment, it was not applied to the promotional balance and instead was applied to unbilled transactions of my regular APR account. By using this allocation method, Im shielded from paying down the promotional balance. Unless I stop using the revolving credit card, I have no ability to pay the promotional balance during the promotional period. After calling twice on XX/XX/2022, I was hung up on once, then second time was told these rules were in the terms and conditions. If this is in fact in the terms and conditions, I believe it harms consumers ability to pay off promotional balances through purposeful, hurtful shielding. I have an email which describes the conditions but does not explain that amounts paid above the interest saver option would be applied to purchases that only show on the next months statement and thus they are not honoring their stated grace period for transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES Account number XXXX this account is fraud i have spoken to the collection company in regard to this account they contact me at my work place. which violated my rights please remove account asap
Product: Credit reporting or other personal consumer reports

I've been participating in the dispute process with XXXX since 2019. XXXX has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. XXXX refused to provide me a copy of the free Annual Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There's been several investigations, and XXXX has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. Capital One is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to XXXX, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This letter serves as my final demand for immediate action regarding unresolved disputes related to inaccurate and unverified items on my credit report. Despite my multiple attempts to correct these errors, your failure to conduct a proper investigation and remove these items from my report is a clear violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable, and I insist on prompt rectification.
Product: Debt collection

I had an internet/cable service relationship with XXXX XXXX for roughly 3 years. The service became so poor, including multiple times at which service was out for multiple days- including during my families movie nights and during the XXXX XXXX. They stated my area was prone to frequent outages and there is nothing they can do but try to resolve it as fast as they can. I informed XXXX that the service was not satisfactory and I needed to terminate due to the breach on their part of contract. The service person agreed. I ended my service and returned equipment. 6 months later I was hit with a collections from XXXX  XXXX. I contacted XXXX and they said there was a mistake and yet never returned my call, they did say there was a charge after canceling the service that was in the contract- but when I informed them they breached by not providing service they said they would have to get back to me... Instead they sent me to collection. This feels very much like a calculated move to defraud customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

An attorney that was assigned to be my children 's advocate attorney in XX/XX/XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XX/XX/XXXX. She  continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.
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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX 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 have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
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. 

XXXX XXXX XXXX XXXX XXXX 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 an 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 or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

I have never had a contract with XXXX XXXX and HUnter warfield is attempting to collect a debt to for a company I have never done business with.
Product: Debt collection

Requested verification of account to review within 30 days it was placed on my credit and received no response nor has it been resolved by bureau. Request was sent via certified mail in XXXX 2015 and still to date no response.
Product: Checking or savings account

I bank with XXXX XXXX ( one of their program bank is Bremer Bank ) and they have frozen my account now for 2 months with no explanation or answers when I try to reach out. This occurred on XX/XX/XXXX, it is now XX/XX/XXXX with no response from them as to why. When I have called customer service several times over the past 2 months I am told, " reply to the email that was sent out '' and they dont reply. I have emailed 7 times. I can not access my funds. No, I did not deposit any fraudulent funds either. To have a bank freeze your account but not reply to you to give reasoning or ask you questions to even identify yourself to get to the root of the issue is very frightening. At this point, I am reporting stolen money in the amount of {$6500.00}
Product: Debt collection

The above mentioned content has never been certified to meet any reporting standards. The data presented has never been verified or proven to be accurate, complete, or up to date. In order to confirm compliance with any reporting obligations or consumer legislation, proper documentation would be required. The information supplied is insufficient, and I demand that any unsupported or incorrect material be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX All inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My loan account with American Express is XXXX for {$23000.00}, and the first payment due date is XX/XX/2023 for {$720.00}. 

On XX/XX/2023, I paid online for the amount of {$800.00} from my XXXXXXXX XXXX  account for the first time. 

On XX/XX/2023, American Express contacted me, and there was an ACH payment for {$800.00}. See the bank statement. 

On XX/XX/2023, I paid online for the amount of {$800.00} from my XXXXXXXX XXXX account. 

I talked to the American Express customer service supervisor ( XXXX ) on the phone XXXX ( XXXX ) times and uploaded the above copy to the American Express account each time ( XXXX XXXX & XXXX XXXXXXXX ). 

I need an answer from American Express to let me know where my payment of {$800.00} is and why it was not credited to my loan account. 

I attached a copy of my bank statement from XX/XX/2023, through XX/XX/2023, and XXXX copies of Proof of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Ct, XXXX, Fl XXXX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A Clearly stated that I have a 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 any written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using Experian 's website and by mailing in a written request but have not received a response.
Product: Mortgage

Chase Mortgage has ruined my life. Just look how they reported ... XXXX LIE! If I 'd have been that delinquent, do n't you think they 'd have foreclosed? I have paid their cheating inflated unsubstantiated monthly note for 16 years since 2001. They SAID THEY THOUGHT WE WERE XXXX YEARS OLD, SO THEY 'D MISCALCULATED OUR PAYMENT! They ARE International criminals -assessed.what XXXX, or XXXX and supposed to compensate mortgage holders. Not me - they ALWAYS say I 'm behind " ... uh, because of escrow, or uh, because of shortage in last payment compounded blah blah liars liars thieves. I WILL get a forensic accountant to find where they 've done, besides two times they collected {$12000.00} cash on XXXX or they 'd foreclose!!! and then sold my house anyway, but I was at the sale and had it stopped! They SO LIE about all. another try, their lawyers had to have certified teller check for {$12000.00} on XX/XX/XXXX " or else ''. They Systematically deny my application for HARP or mortgage interest lowering '' the underwriters rejected your app '' they MAKE sure something goes wrong so that i ca n't qualify ... like the credit report. now i see the damage they 're continuing to do. I 've PAID for that house, which by the way, was an original XXXX in 2001 of {$150000.00}. This report is a refinance from 7.5 down to 5.5. THEN they said we were XXXX!!! The amount then financed was NOT {$150.00}, ooo. it was {$120.00}. Maybe someone can now investigate their ruination of me. THEY called my creditors - I always made my payments, but all of a sudden, all the vendors cut off my credit. I was stunned. Chase did it. Also, they say I was late all those times ... can no one see what 's going on? ALSO, Finally -- at XXXX, my husband got a LOT of pay from OT. Then, in XX/XX/XXXX or XX/XX/XXXX, XXXX stopped it. He still works a lot of events, but he stays HOME 2 or 3 days a week when that happens, then works 18 hour days. We lost $ XXXX every single month. Plus, we had a baby, and he never would take care - to doctor, etc. She got sick I out more than director wanted and I got FIRED!!! at XXXX. I found a great job, but 20 hours only. Still no 40 hour jobs avail. So, we went from fine, with savings adds every month (! ) to no salary from me + then XXXX, and no oT from him. Chase Mortgage THAT month jacked note from {$1000.00} to {$1700.00}, and kept for 6 months. They broke us on purpose, and I lost my good credit name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report.

The following accounts have been fraudulently opened in my name or affected by identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ]. 
Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX XXXX : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts