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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute of Unauthorized Credit Inquiries .

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX
Product: Checking or savings account

An account was fraudulently open in my name at Synovus Bank. I was made aware after the account was overdraft. I went to the ban on several occasion, Met with different bank managers who guarantee me that it would have been address and since XX/XX/2022. To date I've been getting collection letter and reporting to Synovus letting you know the situation the isn't resolved.. I open a complaint here and was told it was address and my credit should not be impacted. Well that was a lie as my credit got impacted for collection in the middle of me doing a housing transaction. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 They claim it was address but it's not. Please see attachment.
Product: Mortgage

Our mortgage was bought by Flagstar Bank. Our original loan was set-up as an equity loan and did not have an escrow account for taxes or insurance. We pay those separately. Flagstar is now saying we are delinquent on taxes and set up an escrow account for said taxes, and then mailed our town office a check. We were not and had not been delinquent. The town office never sent them information that we were. The Bank pulled this information from the town website that is sometimes inaccurate. The town office did not cash the banks check and handed it back to us. I called the bank to get a better understanding of what happened, which they informed me I was delinquent at that time and had sent me a notice of this. I had not received any letter. I was then told my town office sent them a notice of delinquency but our town office informed us they did not send them a letter. After spend time on the phone with the company I received a letter in the mail a few days later stating what they had done with the escrow account. How can a mortgage company start an account based on inaccurate information from a website without ever contacting the town office or the person paying the mortgage? And now will not drop a charge of over XXXX XXXXXXXX XXXX. Without giving us any information or plan to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to
Product: Student loan

I have submitted a repayment application request to switch to a Standard Repayment Plan as I no longer qualify for an IBR plan. I submitted an application XXXX XXXX my account had not been updated in XXXX so I called mid XXXX to see the status of my application- they notified me that there would be a fee to switch payment plans ( which doesn't make any sense and was not noted in the application ) ; they also notified me that I should see the changes in my payment plan should be reflected in my account by the end of the month. It is now a month later in XX/XX/2024 and I still have not seen any changes in my payment plan. I called to check on the status of my application and they said they don't have it on file?! How could that be? I am now worried that I will be penalized for being on an IBR that I do not qualify for- but can not seem to get accurate information from Nelnet on how best to proceed. 

In conjunction, I am on an auto-payment plan through the provider as they said there is interest benefits for doing so. This month XX/XX/2024, they did not take the money from my account and marked my payment as delinquent. Again I would like to ask, How could that be?! In theory, I shouldn't have to log into a system to check if I paid if the payment is auto-withdrawn. When talking with customer service about both issues- they did not have any helpful information other than to say the payment would come out of my account automatically ( but clearly it did not ).
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint of Deceptive Reporting Tactics Dear Equifax, I am writing to file a formal complaint regarding a recurring issue with my credit report involving a collection account. Previously, I successfully disputed a collection account listed under the name XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) for {$3700.00}, and it was subsequently removed from my credit report between XX/XX/year>, and XX/XX/year>. However, a new collection account has now been added to my credit report under the name XXXX XXXX XXXX, listing the same debtoriginally owed to XXXX XXXX a slightly adjusted balance of {$3700.00}. This practice appears to be a blatant attempt to circumvent the removal of the original collection account by re-reporting the same debt under a different agency with an altered balance. The details of the new account are as follows : Creditor Name : XXXX XXXX XXXX Balance : {$3700.00} Account Status : Placed for Collection Account Opened Date : XX/XX/year> This behavior constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : XXXX. Deceptive Reporting Tactics : The re-reporting of the same debt under a different collection agency name and with a different balance is misleading and appears to be an attempt to reintroduce a previously disputed and removed collection item. XXXX. Accuracy and Fairness : This re-reporting does not adhere to the principles of accuracy and fairness required under the FCRA. The debt in question should not have been re-added to my credit report after its removal. I am requesting a thorough investigation into this matter. Please provide the following : Verification of the new collection account and its accuracy. Evidence that the new creditor has a legal right to report this debt, particularly after the original collection account was disputed and removed. Enclosed, I have attached : XXXX. A copy of my credit report showing the previous dispute and removal of the original collection account. XXXX. Documentation of the new collection account added under XXXX XXXX XXXX. XXXX. My previous dispute letter, which led to the removal of the original collection account. I request that you immediately remove the newly added collection account from my credit report and take appropriate measures to ensure such deceptive reporting practices do not occur again. Please confirm in writing once this matter has been resolved and provide me with an updated copy of my credit report. Should you require additional documentation or information, feel free to contact me. Thank you for your prompt attention to this matter. Sincerely,
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 XXXXXXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX XXXX, has violated my rights. 

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.

15 U.S.C. 1681B ( 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

Received a letter  on  XX/XX/XXXX  from Pe  nnCredit Corporation st ating that I owed {$59.00} for  XXXX  magazines ordered from  XXXX   XXXX   XXXX  on  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I contacted  XXXX  and after an extensive search they found no orders on my account for any magazines at any time and that my account balance was at  XXXX .  XXXX  sent me an email confirmation stating that my account balance was  XXXX . Contacted PennCredit and they insist that I still owe the money. I will return the letter they sent me along with a copy of the letter that  XXXX  sent me but obviously PennCredit is attempting to defraud me by sending me a false letter of debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit bureaus such as XXXX, XXXX and XXXX XXXX have an obligation to the public for honesty, that mandated through the Fair Credit Reporting Act. The credit reporting agencies have a strict subscriber agreement to those companies, banks, credit card companies and collection agencies to abide by the laws of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the Fair Debt Collection Practices Act. However, debt collectors for student loans break the law continuously. Take ACS EDUCATION SERVICES for one. This agency has never shown proof that they were ever granted collection rights from a securitized trust where all of my student loans were owned. However, upon obtaining my student loan information, I never made one payment to this agency as my loans were always in deferment while I finished school. However, this agency, upon obtaining my information without a right to report it without servicing rights or ownership rights, and this same agency took my information and posted immediate 90-day late payments across the board on at least six separate accounts. This abusive practice by student loan collection agencies is abusive, and I have been the victim of an agency that in my belief had no rights to servicing or ownership. Accordingly, this agency has violated my rights under FCRA and the subscriber agreement they signed with all pertinent credit reporting agencies. These accounts must be deleted and my files purged along with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified Honda Financial that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Eqiufax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account xxxxxxxxxxxx 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Consumer Loan

I have a auto loan with Ally bank. One month I missed my payment date. Every day after the due date, they called myself and my XXXX XXXX XXXX father in excess of 20 times a day. From XXXX until XXXX seven days a week. The calls looking for payments did not stop even after the payment posted to the account for five days. Their " customer service '' reps would say they would note our account to stop the calls, yet they continued.
Product: Credit reporting or other personal consumer reports

Assault and battery by web administrator XX/XX/year>. Company altered customer name in email to closed account. Company destroyed original page submission for complaint. I am rich and I need to spend money as soon as possible. Liability alien communism will not allow customer to acquire debt of asset space character of nature attached to given name in competition as artificial intelligence. They completely ignored ID and call XXXX XXXX everytime they see given name ; and provide service based on response from XXXX. XXXX doesn't talk so XXXX won't ever comply to identification of XXXX a they're insane bilingual polytheist and refuse to service customer. Web administrator gave customer a XXXX XXXX over XXXX clear name in email.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to have these fraudulent items removed from my credit report. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late and is always an issues relating to removing items via certified mail. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Again, please remove all fraudulent items from my credit file.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

Dispute Timeline I noticed on my credit report a collections account from American Capital ENT claiming I owe {$1800.00}. This debt is not mine and they will not respond to my request to remove this fraudulent item from my credit report.

File Name : Dispute Letter 1 XXXX XX/XX/XXXX 1st Dispute letter mailed on XX/XX/2020, with no response. 

File Name : USPS Certified Mail Receipt Receipt for 1st Dispute Letter being sent.

File Name : USPS Tracking Date Letter Received XX/XX/XXXX 1st Letter received by American Capital on XX/XX/2020. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report dated XX/XX/2020, with no mention in the comment section account being disputed by the consumer. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report 46 days later from the date the letter was received by American Capital, with no mention in the comment section that this account is being disputed by the consumer. 

File Name : Dispute Letter 2 XXXX XX/XX/XXXX 2nd Dispute letter sent to American Capital with no response.

File Name : USPS Certified Mail Receipt XX/XX/XXXX - Receipt for 2nd Dispute Letter being sent. 

File Name : USPS Tracking Date Dispute Letter Received XX/XX/XXXX - 1st Letter received by American Capital on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with Bank of America ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since Bank of America enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted Bank of America to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX   with all of the credit bureaus but have not removed the late payments. I made many calls to Bank of America to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, XXXX XXXX and XXXX  files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fraudulent erroneous information.15 USC 1681 SECTION 602 states I have a right to privacy and 15 USC 1681 Section 604 states consumer has to give written consent. This is A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments