23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the  FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX   XXXX XXXX XXXX Unverified Account Chase Card XXXX Unverified Account XXXX XXXX   XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER : XXXX Shows a balance of {$950.00} The account has been paid in full several weeks now. Even after other information has refreshed and updated this balance still reports falsely. 

The Credit Bureaus continuously report this information without written permission and also inaccurately. These are violations. 

Now weeks or continuous false reporting.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a false charge of ( {$750.00} ) and ( {$430.00} ) from XXXX Department of Education listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company offers to fix peoples credit. They ask you to connect your bank account and once you do they state that they charge for membership. I clicked cancel at this point however, I was still charged {$99.00} on XX/XX/2023. This company never provided any services to repair my credit and will not return my money. I have tried to contact them via phone however, all of their phone numbers are fake. One phone number they have listed ( XXXX ) says it is disconnected and to call XXXX which calls your cell provider not them. The other phone number ( XXXX ) says they can not answer your call and to email them at XXXX. This company will not return my emails and I have verified that I do not have an active membership with them. Other people have reported similar experiences with this company and they are scamming people.
Product: Bank account or service

I have several accounts at ALLY BANK. Ally Bank does not have a relationship with XXXX, but that program was able to access data from some but not all of my accounts. I reported this data breach to Ally but they were unconcerned, even though they could not explain why XXXX of my several accounts were accessible..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that Synchrony Bank stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.

I never received a notice in writing from Synchrony Bank informing me that they were reporting negative information on my credit report.

Synchrony did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.
Product: Debt collection

TSI has failed to communicate with me the balance of the account, what fees I am being charged and why. I have sent letters, contacted people ( specifically XXXX XXXX, because she deals with people once they complain ), I have been told that the information I have asked for has been sent to me ; however, even with the correct address the information fails to reach me. This is a shady company that is not verifying why they are taking what money for. In the last CFPB complaint I filed they did post a payment and charge statement ; however this never disclosed the balance, what fees were being charged. They are only allowed to charge XXXX % as I have been told by TSI employees and XXXX employees. This company says they can change what is allowable by the credit agreement, but failed to send me a copy of the credit agreement, as well as the agreement between them and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. 

I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. 

XXXX XXXX
Product: Consumer Loan

A company called Forster and Garbus filed paperwork with local courts 2 years ago, getting a default judgement on me, when I told them the loans they are collecting on, for XXXX, were in fact not mine. Worse yet, they refused to show my court documents to the court, never told me of a court date and my answer to their complaint was never given to the court. As a result, they go XXXX default judgements against my name, with a false co-signer and have been garnishing my wages for a year and a half. I want this money returned, I want these garnishments lifted and I want them to re-open these cases at no cost to me
Product: Debt collection

I do n't even know where to start. I 've done business with GE Capital Retail ( now Synchrony ) in the past, and always made my payments on time. When I stopped using the credit cards, I cancelled them. I have several closed positive accounts with this bank ; however there were a total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart XXXX, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report, and thankfully is n't reporting with any of the other bureaus. These accounts were opened during a time when I was living and working in XXXX Maryland. 
The Lowes card was removed from all of my reports, so I do n't have an issue with that account. 
Home Design was opened without my consent resulting in a charge off and being sold to XXXX XXXX. I requested XXXX XXXX close the account, and cease collection. I provided them a police report and theft affidavit. Portfolio Recovery did remove, however SYNCB/XXXX is still reporting. 
The Walmart XXXX was reported fraudulent in XX/XX/XXXX! It was closed and then reopened without my consent, resulting in a charge off and being sold to XXXX XXXX. I requested XXXX XXXX close the account, and cease collection. I provided them a police report and theft affidavit. XXXX XXXX did remove, however SYNCB/WALMART DUAL CARD is still reporting. 
Old Navy is currently reporting a charged off account to all XXXX credit reporting agencies. This is not my account. 
PayPal is currently reporting a charged off account to all XXXX credit reporting agencies. This is not my account. The account has since been sold to XXXX XXXX resulting in another derogatory remark on my credit report. Both XXXX XXXX and SYNCB/PAYPALSMARTCONN are reporting as derogatory on my account. 
The Amazon account was reported fraudulent/stolen and was closed in XX/XX/XXXX when I originally discovered it. For some reason it reopened, and I was not made aware of it. The account has since been sold to XXXX XXXX resulting in another derogatory remark on my credit report. Both XXXX XXXX and SYNCB/AMAZON PLCC are reporting as derogatory on my account.
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. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : 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: Debt collection

the debt in question has being pay in full as of XXXX XXXX, 2016
Product: Debt collection

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. The collection agencies are listed below : XXXX XXXX  XXXX  {$6600.00} Opened Sep. XXXX, XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX, XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$1900.00} XXXX  Opened XXXX XXXX XXXX XXXX XXXX {$1100.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

The debt of the credit report has misinformation of the debt being owed. I have asked the company to provide me with the debt owed from the original contractor with signed contract and proof of ownership. On the credit report, my credit history has incorrect information. I have disputed this debt on several occasions and Experian has not removed the account it just generates different information ( Payment History ) and does not complete a thorough investigation.
Product: Credit card

I opened an account with Synchrony Banks Lowes Card when I purchased a home. Roughly a year ago, in the last months Synchrony has done multiple pulls on my credit which has not only affected my credit but they have now closed my account. I have paid on time all but one month, which was a small amount early on as I did get the dates of payment and statements mixed up, but was quickly paid back with a late fee. Other than that my payments have been on time for the thousands of dollars that have been spent there over the course of the year. The pulls of my account have been in succession and the first lowered my credit balance to less than 20 % of what it was at. The second closed the account entirely without no notice, dispute or acknowledgment of previous payments. Furthermore they would withhold available balance for weeks after payment was made without prior warning or reasoning. 

After discussion with others it seems they have done a large scale clearance of accounts with the exact same description. They are purposefully and thoughtlessly changing the course of peoples lives, affecting individuals credit scores for their own financial gain. As the economy may continue to worsen, companies that have control over something as financial manipulating as credit is, seem to push their narrative at no thought to the consumer of their product. They need to understand the importance of an individuals ' credit should not be damaged as a way to for their company to XXXX. Opening a line of credit with a bank to use in the right way should not be punished because they are not profiting at their highest, the use of credit manipulation by larger banks to welt individuals from growing has to end and needs to start by companies like Synchrony being liable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item.
Product: Debt collection

I was a XXXX XXXX customer in 2017 and relinquished my account with them to move to XXXX  Per their terms I had to return the device I was financing or pay them in full. I decided to return the device and sent my phone ( XXXX XXXX ) back with the return packaging they mailed me. My account was charged with a delinquent payment for the device regardless of the fact I return the product. I contacted XXXX directly and they said the did not receive the product and informed that the account would be charged off to a debt collector. XXXX XXXX XXXX XXXX was the debt collector the account was sold too and since I have disputed numerous times that this is a false debt for a device I returned. Each time I was informed there was nothing that can be done and each time I disputed this with XXXX it was updated at the same value from before and claimed to be accurate. I do not owe this debt. I returned the device and the claims otherwise are false.
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I SUBMITTED DOCUMENTS FOR MORTGAGE ASSISTANCE AND I WAS TOLD THAT MY FILE IS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. MY SERVICER, WELLS FARGO, CHANGED THEIR STORY TO SAY DOCUMENTS WERE MISSING. A FEW DAYS LATER AND BEFORE I COULD SEND IN THE MISSING DOCUMENTS, WELLS FARGO CLAIMED THAT MY FILE IS NO LONGER IN REVIEW BECAUSE THERE HAS BEEN NO CHANGE IN FINANCIAL CIRCUMSTANCES. I HAVE XXXX NEW ROOM & BOARDERS AND THERE IS IN FACT A CHANGE IN FINANCIAL CIRCUMSTANCES. WELLS FARGO PREFERS TO DECEIVE AND CONFUSE HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURE AND FORECLOSURE FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax XXXX. XXXX XXXX XXXX. Box XXXX XXXX PA XXXX XXXX XXXX Is reporting false information on my Credit Report. I sent a letter of dispute on XX/XX/XXXX, in which I provided proof of my identity, an Affidavit and other documentation in support of my legal dispute. I followed up with further correspondence on XX/XX/XXXX, to ensure every possible document required was served! 

I sent the same information to all three of the credit bureaus on the same date yet only XXXX, has taken the immediate action necessary to remedy this wrong against my credit report! I submitted a request to XXXX online requesting my login details be reset, yet they failed to respond in the promised 24hrs. I called Equifax, and they asked me to identify myself by testing me with false information which I disputed and outdated information which should have been removed in XXXX. The first customer service representative correctly identified me, however, when I passed on to his colleague who asked the same questions concerning information which shouldn't be on my credit file she claimed to not be able to positively identify me. When I asked to speak with a supervisor I was placed on hold for an hour after which time I hung up! 

The continued reporting of false information on my credit report is adversely impacting my personal and professional finances. During this time of COVID-19 Pandemic, that is completely unacceptable.