23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Case # XXXX. I purchased a product from a merchant by the name of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX indicated it would take 8 to 10 weeks to ship the product to me. I waited for 8 weeks and then decided to email XXXX XXXX XXXX to inquire about the status of shipment. I was provided another time frame which was longer. After the time frame I was provided, I sent another email inquiry to the merchant for the status of shipment and was pretty much provided an " I don't know response and offered me my full refund. On XXXX XXXX, I requested the refund via email and was told it would take XXXX business days to receive my refund. Did not receive my refund by 10 days nor by the end of XXXX. I immediately called Barclays XXXX XXXX Credit Card Dispute Dept ) around XX/XX/XXXX to open a dispute. I received a letter from the Dispute Dept. indicating they never received documentation from me in order to investigate my dispute. Well, I was never told to submit anything. So I called the Dispute Dept again after XXXX XXXX and was told to fax the proof of docs from XXXX XXXX XXXX  indicating they would send me my full refund. I faxed them the entire email exchange between XXXX XXXX XXXX and I, for the Dispute Dept to say what I provided was insufficient. So I called the Dispute Dept mid/late XXXX to reopen the dispute again, for them to tell me to send just the imperative portion of the the email and circle the section of the email where XXXX XXXX XXXX indicates they will send me my full refund and the amount and fax again. I did just that for them to send me a letter I did not understand. Called the Dispute Dept as the third time around, do not remember their reason for why the resolution was in the merchants favor but I was livid and still tried to keep my composure. Needless to say, I reopened the case again in XXXX for the Dispute Dept to send me a letter in XXXX XXXX, instructing me to settle with the merchant who is no longer in business. Please help me. Thank you. Please note I selected just any option in the previous section that indicated " Which Best Describes Your Problem ''. None of those options were a best fit for my problem/issue so please disregard the option I selected. Thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Lexis Nexis for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from Missouri courts stating they do not report info to Lexis Nexis nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. Right of Verification : Section 609 grants me the right to verify each inquiry with
an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported as a result of unauthorized access to my personal information and should be removed immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : 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: Mortgage

Sent My last two payments on time, got called trien to collect for payments when I showed my bank statements the found them. not applied to my loan.still charged me late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account CHILDSUPPORT, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2.

It also states a consumer reporting agency can not furnish a account Without my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending over a demand to arbitrate letter through the mail certified for inaccurate reporting violating my rights and it is a violation of the FCRA, EOA, also racially profiling me causing me to suffer while infringing on my rights. This message is in regards to my consumer report and the suffering mentally, physically, and emotional distress along with damages to my name, character and that I have discriminatory profiled for my race as an XXXX XXXX, and XXXX XXXX like myself due to low income and the disadvantages we XXXX of people go through with this agencie. I have attached the necessary forms and documents.
Product: Credit reporting or other personal consumer reports

I already requested the of these fraudulent accounts and I assume that it wasn't remove in error of your company Transunion. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

This includes the following hard inquiries listed below. 

TRANSUNION HARD INQUIRIES XXXX XXXX XXXX Inquiry date 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: Debt collection

CFPB Complaint Letter Regarding Synerprise Consulting Agency XXXX XXXX XXXX Email Address : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Synerprise Consulting Agency Dear CFPB, I am writing to file a complaint against Synerprise Consulting Agency concerning their debt collection practices. They are claiming I owe them a debt, and I am disputing this claim in its entirety. 
Dispute of Debt and Revoking Communication I dispute owing Synerprise Consulting Agency any money.

I am revoking all consent for them to communicate with me through email, text messages, or calls. 
Request for Validation and Documentation I am requesting a validation of the alleged debt, including the original purchase agreement between XXXX XXXX XXXX and the original creditor. 
I request proof that Synerprise Consulting Agency is a licensed and bonded debt collector as req

uired by 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, and 12 CFR 34 ( d ). I also request proof that they are compliant with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681 S-2 7a, particularly regarding the communication restrictions. HIPAA Violation and Lack of Proper Notice I have no
t consented to anyone sharing my medical information with Synerprise Consulting Agency. 
I never received a five-day notice prior to collection activities, which is a violation of my rights under the FDCPA. 
I was unaware of this alleged debt and did not have an opportunity to dispute it before collection actions began. 
Request for Proof of Notification If Synerprise Consulting Agency claims they sent a five-day notice, I request a copy of the certified receipt with my name on it as proof of delivery.

Impact and Damages Synerprise Consulting Agency 's actions have been malicious and have negatively impacted my reputation and creditworthiness.

Desired Outcome I request the CFPB to investigate these allegations and ensure Synerprise Consulting Agency ceases all collection activities and removes any inaccurate information from my credit report. I would also like them to confirm my right to not be contacted further. 
Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX XXXX XXXX ( ID and proof of address )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to provide documentation of the car dealership called XXXX. XXXX XXXX XXXX that XXXX spoke with on XXXX and XXXX without my consent. The auto loan transaction was a fraud transaction from the beginning. XXXX XXXX XXXX failed to check the VIN report. Failed to check the correct car value of the vehicle that was price at XXXX not XXXX. XXXX XXXX XXXX XXXX is putting a car that belong to another customer as my responsibility. The customer brought the car from the correct car dealership called XXXX XXXX XXXX  with the title of the car. XXXX XXXX XXXX XXXX is falsely reporting the auto loan account has passed due for XXXX, XXXX as of XX/XX/year>. XXXX XXXX is aware the car belongs to someone else. Management is aware of the car dealship stating the car was sold to another customer. Refusing to clear the balance on a close account that is negatively impacting my XXXX XXXX. There should no balance on this auto loan this is fraud. 
This is due to XXXX XXXX XXXX negligence the transaction is a fraud business exchange. Dispute auto loan and fraud payment history from my credit report. XXXX XXXX is charging me interest on my credit card as of XX/XX/year> XXXX has taken {$520.00} from my credit credit to pay the auto loan that is a close account. This is fraud, and theft and false information. I want my reimbursement for my credit card this is retaliation against a customer.
Product: Credit reporting

Experian is in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify the accounts in their report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXXXXXX XXXX is currently in Ligation. The account is still showing on the credit report. The account needs to be removed until the case is settled.
Product: Credit reporting or other personal consumer reports

The company states that I have a prior unacceptable experience with a financial institution
Product: Credit reporting or other personal consumer reports

Dear Experian, I am formally requesting that you immediately remove all negative items from my credit report due to fraudulent activity, including but not limited to the well-documented XXXX data breach that exposed consumer information. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and fairness of the information contained in consumer reports. Any negative items resulting from fraudulent activity and identity theft must be deleted from my file immediately. 
Additionally, pursuant to the Uniform Commercial Code ( UCC ) 1-308, I am exercising my rights to demand the correction of inaccuracies and unauthorized reporting of accounts. The continued reporting of fraudulent accounts or incorrect information constitutes willful noncompliance with the FCRA, subjecting your agency to legal liability, including statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
Given that my personal information was compromised through the XXXX data breach, I have reason to believe that any negative accounts appearing on my credit report may be the result of unauthorized activity. Therefore, I demand the immediate and permanent removal of all fraudulent, inaccurate, or unverifiable accounts, inquiries, and derogatory remarks. 
If you fail to comply with this demand within 4 days, I will pursue all available legal remedies, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance with the FCRA and UCC. 
Seeking statutory and punitive damages for negligence and harm caused by the continued reporting of fraudulent information. 
This letter serves as a formal Cease and Desist notice for any continued reporting of inaccurate or fraudulent information on my credit file. I expect written confirmation that all negative and fraudulent items have been permanently removed from my report. 

The following below is inaccurate information of names, addresses and inquiries : Name XXXX XXXX XXXX Name identification number XXXX Name : XXXX XXXX XXXX Name identification number XXXX Name : XXXX XXXX XXXX XXXX Name identification number XXXX XXXX XXXX XXXX Name identification number XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX Address identification number XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX Address identification number XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Address identification number XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Address identification number XXXX Failure to act within the 4-day timeframe will result in legal escalation without further notice. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. 

I just want it to stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I logged in to my B of A website to bring the account current for XXXX. A page appeared entitled REDUCED PAYMENT PROGRAM. It offered to reduce our payment from {$190.00} to $ 91 monthly and the interest rate to 2.50 % for a period of 60 months. I checked the ACCEPT box at the top and submitted a payment of {$91.00} which was cashed on XX/XX/XXXX, thereby finalizing the enrollment process before XX/XX/XXXX as required in the contract. I signed at the bottom agreeing that I was entering into a binding contract, and they then closed my account as the contract stated they would. 

They then immediately submitted a derogatory credit report stating I had not made a payment in XXXX which was untrue their own website reflects receipt of two checks in XXXX : {$180.00}, an {$91.00}. I called the office and the call was handled by four different agents, all four of whom practically called me a liar, all four stating that B of A has no such program and that I had not signed a contract. I was told that if I could find the contract I should submit it. Well, here it is attached. The post to my credit report states that the account is CLOSED and the balance of {$4800.00} is CURRENT as of XX/XX/2023. 

I have a signed contract that calls for {$91.00} payments but ALL B of A employees deny they have such a program. The account is CLOSED according to XXXX which ruled in my favor when I didputed the XXXX misinformation and I certainly feel I deserve a letter of apology for false credit reporting which caused XXXX XXXX score to drop XXXX XXXX. They now have again falsely reported I didn't make a XXXX payment. They have destroyed my credit as I have an EXCEPTIONAL PAYMENT RECORD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to get my free yearly credit report which I have not done for several years. 
I was able to get my report from only one company out of the 3 which I was told the reason was ( A  condition exists that prevents XXXX from being able to accept your request at this time. ) I see a lot of complaints online from people saying the same thing. 
Only XXXX was able to give me their report. Neither Equifax or XXXX would help.I am just trying to see who has a cell phone in my name which I just learned from XXXX on XX/XX/XXXX/19 while buying a new cell phone online. Today is XX/XX/XXXX2019.
Product: Mortgage

I send my mortgage payment through bill pay every month. Every month I sent at least {$300.00} to be applied towards reducing my principal amount owed. Select portfolio services never applied the overage towards principal. Instead, they put the extra payment in unapplied account that doesn't yield any interest. I have called numerous times and give them a standing order to apply all my payments above monthly principal and interest be applied to reduce principal but so far they have refused to do that. I've been having to call monthly to remind tell them again and they give me the same excuse that it's because I was sending payment through bill pay. They accrued the extra payment for at least five months one time and no interest was paid to me. Meanwhile, I continue to pay interest to them.
Product: Debt collection

On XX/XX/XXXX I disputed a collection in the amount of XXXX from Transworld Systems. I requested verification of my ownership of the debt in the form of a written agreement with the original creditor. As of XX/XX/XXXX I did not receive any communication from transworld systems and they continued to report the collection to the credit bureaus. On XX/XX/XXXX I called transworld systems asking for an update, in which they stated that they had not received the payment agreement from the original creditor. I requested that as per consumer protection laws, they cease attempts to collect this debt and delete their report of the debt until they can verify that the debt belongs to me. I begged that they do so because I got denied for an apartment just because of this. I asked that they also put it in writing for me that they have attempted to get a signed payment agreement and have not received it, for me to send to the apartment so I can move forward and get approved. They refused to do so. 

Transworld system has no legal verification that this debt belongs to me, yet is still continuing to report the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in an authorized letter along with my license and utility bill to verify my identity and Transunion LLC replied saying that they wont process the request because I didnt authorize but I clearly signed and included my personal information.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent the credit bureau letters, and they sent me stall letters back!! 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. These accounts [ XXXX XXXX XXXX - XXXX ], [ XXXX - XXXX ], [ XXXX - XXXX ] are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

Check The Attachments Below