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

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Hunter Warfield. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this be removed immediately as it's affecting my chances of relocating.. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

In the XXXX XXXX app, I received a notification about three new Hard Inquiries. I called the companies, and they said the application came from XXXX, an auto lending company. I did not submit this application, and I want to dispute these transactions. I called XXXX, and they advised me to contact you. Thank you. For your information, I did not give consent for any applications to be submitted, especially from XXXX. 
Also from TD Auto Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

1-created obstacles to repayment by providing bad information 2-told not to consolidate loans in order to keep me in higher interest plan 3-improperly directed into interest only payments and forbearance over and over again 4-loans paid off still showing as open on credit report 5-customer service repeatedly unhelpful and unwilling to escalate problems. 

overall i have been mislead about my repayment options, making it more difficult and expensive than necessary to repay my loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed addresses that I never lived at and they were updated instead of taking off. As well as inquiries that I had no knowledge of
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX XXXX which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY EXPERIAN REPORT! 

Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

XXXX XXXX XXXX {$13.00} **UPDATED** XX/XX/2024 XXXX XXXX XXXX  {$57.00} **UPDATED** XX/XX/2024 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The account below XXXX XXXX was removed from my XXXX, and XXXX, report. It's a fraudulent account. Please remove this account off my Experian report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} XXXX XXXXXX/XX/XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX XXXX, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a Lowes product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I called XXXX from the number on the back of my bill to inquire about the cost of cable. I spoke to a XXXX in customer service. I could not afford any of the quotes he gave me so he told me about XXXX XXXX that XXXX is in partnership with. They sell and bill for XXXX XXXX at {$65.00} per month. I said I would try it. He then said he would send me a link to set it up. I got the link and clicked on it. I hit a snag when it requested me to put in a code that they texted me. It did not work so I called the number on the setup page that said for technical assistance, call XXXX. A man answered the phone XXXX XXXX technical assistance, how may I help you. I told him what happened and he said he would walk me through the setup process. He said his name was XXXX and was located in Texas. He got the setup done and told me I had to send in {$1.00} activation fee ( which is stated on the website ) so I went into my bank account and as I started to ask where am I sending it to, I saw my bank account get wiped out during three consecutive withdrawals. I said hey where did my money go?, he was gone! After that, I got a text from my bank XXXX XXXX XXXX asking if I approved those three withdrawals, I pressed N for no and saw that it went to Y for yes. I pressed N again and again it went to Y. Then I got a text from my bank saying Hello, its XXXX Fraud Prevention, did you just use your card ending in # # # # for {$530.00} from XXXX XXXX? I told them I did not authorize the transaction and I then I received a text message that said It is important we talk to you. Call the number on the back of your card. I then called and put in a fraud report with XXXX. As of XX/XX/2021, I have not heard back from XXXX. On Friday XX/XX/2021 I went into the physical branch of XXXX to get a letter I needed. I was telling the man what happened and he called the Fraud Dept and they told him my claim had been denied because they said I had authorized the withdrawals. I sat in that bank and cried my eyes out as I was now out my entire savings and XXXX was not accepting my claim. My whole life savings was now gone. I am a senior citizen living on Social Security. I had just received my Social Security payment and that was gone also. I am now left with {$0.00} and can not pay my rent for the month of XXXX and can not pay my utilities or any other bills. I called every resource agency in my area to get rent help but have gotten nowhere there either. 

Note : I reported this scam to my local police department, XXXX, XXXX XXXX and XXXX through phone calls and emails.
Product: Credit reporting or other personal consumer reports

Equifax is Reporting False Information on my Consumer Reports Debt collectors are reporting on my Consumer Report I have asked for Validation from All Debt Collectors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are Submitting letters by Mail stating I owe an Alleged Debt with there Office I asked for Validation with No Response. But a letter stating I owe this Amount.No Contract. No Payment History I have No Knowledge of these Alleged Debts.with these Debt Collector. I filed a Theft Report. With the FTC. For Identity Theft. I do not know of these Companies
Product: Vehicle loan or lease

I took out a loan to purchase a new car that ended up with BBVA. I went online to pay my payment but the system would not let me set up online banking. It would not recognize my social to set up online banking, even though I am clearly listed on the statement. I tried to get help via the phone line but when the associate answered she said she could not help me set up the info because she could not find my social. She transferred me again and I was left on hold for over 30 minutes. I had to hang up after the wait because I had to go back to work. I tried to chat but got no response. I was able to make my payment with an automated over the phone system but still have a late fee that could have been avoided if the system worked. I tried two more times to call and was on hold for over 30 minutes each time trying to set up internet banking. Last, I asked where to make a formal complaint so they would recognize the issue but they closed the chat instead of giving me the info so I chose to complain to the CPFB. They need an online method to fix issues or to answer the incoming calls. If I could easily move my car loan, I would.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a debt that I do not owe. The account listed as XXXX XXXX is reporting as a repossession when it is not. TransUnion has provided no evidence that this information is correct. Who did they talk to or what documents were used to determine this information before it was reported to my consumer report. Under Fair Credit Reporting Act I have the right to validate any information that is being shared.
Product: Debt collection

I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 my score was XXXX then in XX/XX/2024 my report showed that it was going up by XXXX points which should have made it XXXX but you never made the change, I recorded it. Then you add insult to injury by taking the score down by XXXX points, I recorded this too. We have been watching the injustices you have been doing for decades, my score should be close to XXXX but because of these tactics you are using on the American people you've managed to keep it down thus participating in the act of oppression not just on me but to XXXX XXXX XXXX others also and this will come to the attention of the people in our government. Oppression is illegal, and we have all the evidence.
Product: Debt collection

Revenue Reporting Services calls myself, my wife, and my work multiple times a week attempting to collect my payment. I had spoken to them last week about the calls to my wife and my work and had requested they stop calling my wife and workplace. The following week not only did they call my work and wife multiple times they then reached out to my father who I had never given them permission and never gave them his phone number. It is extremely embarrassing and while I understand they are trying to collect on a debt I owe, it is very disappointing that they told me they would stop calling my extended family and workplace and then proceeded to call more of my family. I had never given them permission to call my father and I have no idea how they got his number.
Product: Debt collection

PORTFOLIO RECOVERY A Under XXXX credit bureau this is being reported to Original creditor I don't believe they're original creditor they have two different accounts for {$300.00} and {$250.00} I don't know what that this is it's not clear to me what it is and it's definitely not two accounts they got on my credit report to accounts which is really most likely One account ( debt collector is intentionally ) make it look like I have ( two debts ) when it's One debt this is a ( violation ) with fair credit debt practices collection practices act it illegal for them to represent this debt this way I will be contacting Federal trade commission to update my complaint against this company falsify an accounts on my credit reports also is unfair that they're reporting a ( new date for collection ) when they don't have ( original date ) of collection I did not get no debt from them on the date that they have advertised.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transunion and told them that this inquiries are fradulent and provided proof, even though they told me that this inquiries were verifed. Please dispute and remove this fradulent information from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I am filing this complaint against AES because of their behavior with servicing a loan for XXXX. My loan has grown to over twice the size of the amount that I borrowed. The account is supposedly " 962 days past due '' but does not show it is defaulted. I believe AES and XXXX are conspiring to keep it in " limbo '' status. 
I have repeatedly faxed an authorization for my representative, a certified credit counselor, to speak with them and they continually deny they have received it. We did a conference call with them on XX/XX/XXXX and they asked us to submit any payoff offers in writing, which we did also by fax, and they claim not to have received it. 

XXXX, my original lender, went bankrupt and their assets were transferred to XXXX. However, XXXX is owned by the same person who owned XXXX. We ask the CFPB to examine the legality of this type of transfer and investigate the companies involved, as well as AES 's involvement in providing cover for them and servicing loans for a potentially fraudulent company. 

Additionally, I request that XXXX agree to settle the loan for the amount I am offering, which, combined with the amount I've already paid, is more than the original amount that I borrowed. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Against Discover Bank Issue : Failure to validate debt properly, reporting discrepancies, and potential securitization violations.

Details : 1. Discrepancy in Account Numbers : Discovers correspondence references an account ending in XXXX, but the credit report reflects an account ending in XXXX. This inconsistency raises concerns about whether this is the same account or a duplicate entry.

This discrepancy violates Section 609 of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting by furnishers.

2. Improper Validation of Debt : Discover failed to provide a complete validation of the debt. Their response did not include : An original signed agreement linking my client to the debt.

Proof of how the balance was calculated, especially the charge-off amount.

Documentation confirming no third-party securitization of this account, as indicated in their 10-K filing.

This violates Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), which requires validation of debt upon request.

3. Repeated Charge-Offs and Reporting Errors : Discover reported this account as charged off multiple times over consecutive months and years, inflating the negative impact on my clients credit score.

This constitutes illegal double jeopardy reporting, violating FCRA Section 623 ( a ).

4. Potential Securitization : Discovers 10-K SEC filing indicates the possible securitization of accounts. If the debt was securitized, Discover can not legally collect on the account or continue reporting it as owed, as ownership would have transferred.

Complaint Against XXXX and XXXX XXXX : Failure to conduct proper investigations, reporting errors, and potential sham dispute investigations. 

Details : XXXX. Failure to Investigate Disputes : Both XXXX and XXXX failed to investigate disputes thoroughly and instead relied on automated responses. This constitutes a sham investigation, violating FCRA Section 611 ( a ). 
Recent lawsuits against XXXX highlight their systemic failure to handle disputes appropriately.

2. Inaccurate Reporting : Both bureaus reported conflicting account numbers for the same debt ( 1318 vs. 4563 ), indicating a lack of due diligence in ensuring accuracy, as required under FCRA Section 623 ( a ).

Both bureaus also failed to remove the disputed account despite no proper validation from Discover Bank.

3. Failure to Note Dispute Status : Despite repeated disputes, the bureaus failed to mark the account as disputed, violating FCRA Section 623 ( a ) ( 3 ).

4. Emotional Distress and Financial Harm : Their failure to remove inaccurate and unverifiable information caused significant harm to my client, including denied credit applications and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, SSA outsourced to LexisNexis, aka Accuity Asset Verification , & Acurint 3 Inquiry History Reports for the date range XX/XX/XXXX - XX/XX/XXXX. As is standard procedure, SSA had a duly executed authorized for release of private financial information for me, XXXX XXXX, an SSI recipient, but not my mother, XXXX XXXX, who is NOT an SSI recipient. LexisNexis/Accuity/Acurint did solely a name match with XXXX XXXX, XXXX, to a savings account in my mother XXXX XXXX 's name, for which I am not associated, except that I am a Payable upon death beneficiary. For this false match, SSA unilaterally cut off XXXX XXXX XXXX SSI Beneifts on XX/XX/XXXX & would not entertain any proof from XXXX XXXX, XXXX, that I, XXXX XXXX had no access to the account nor that proof from XXXX XXXX, NA that this account is Titled solely to XXXX XXXX. LexisNexis/Accuity/Acurint stated their investigations could take beyond 30 days and XXXX XXXX, XXXX did not always cooperate. Neither LexisNexis/Accuity/Acurint nor SSA would accept any documentation directly from XXXX XXXX, XXXX, yet I was the loser, having lost my very needed XXXX Benefits. In XXXX, Attorney XXXX XXXX of the XXXX has filed an Amicus Brief in this matter in Federal Court, styled XXXX v XXXX XXXX XXXX. In XXXX, Attorney XXXX XXXX wrote a legal scholarly paper on behalf of the XXXX oh how LexisNexis/Accuity/Acurint & SSA 's " false match '' tactics deprive SSI recipients of basic due process. In the XX/XX/XXXX issue of XXXX XXXX, an article written by XXXX XXXX XXXX XXXX called " When LexisNexis Makes a Mistake, You Pay For It ''. It outlined cases where victims of LexisNexis/Accuity/Acurint 's mistakes have fought for years to clear their names. Several are still fighting. 
This is an unacceptable. For SSA to accept hands down, without question an asset report that is fatally flawed is egregious. This is definitely a violation of due process. People on SSI need their benefits. SSA employees act like dictatorial enforcement officers, calling out the beneficiaries as liars, hiding assets they do not have. This must stop. 
My XXXX has been stopped. I have bills I can not pay. I face homelessness because of this egregious practice, and an SSA employee, who treated me, an elderly, XXXX person, so badly, he actually brought on a XXXX. Before that, I had not had a XXXX in 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the latest escrow statement to Santander bank.

They promised to send it via regular mail a month ago but I never received.

All other banks provide that simple letter almost instantly but Santander is not sending what I need. this is really frustrating and don't know how to get the document i need from Santander bank.
Product: Credit reporting or other personal consumer reports

I have an XXXX Credit Card which is now XXXX XXXX. They report my balance and payments to the credit bureaus on the XXXX of each month. They have already reported my credit balance as being XXXX on XX/XX/XXXX. I had a XXXX balance. I have been using my card and plan to pay it off again before my bill is due and before they report it for XXXX. Today, I got an alert from Experian and XXXX that the company reported my credit card balance use today again and it has brought my credit score down. Why are they reporting my usage of the card during the middle of the month. I did not think that a company can report to a bureau twice a month. This is very unfair and should be against the law. This needs to be changed with all XXXX bureau. I am attaching a copy of the XXXX report to show an example. They have done this with the other credit reporting agencies also,