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

Transunion shows that I have a late payment on my XXXX XXXX closed account. I have never been late on said account and XXXX and XXXX credit reports shows that. I have disputed this with the company a few times dating back to XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am disappointed in the way this has been handled. I am sending in my this letter today with more supporting documents.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the creditor Extra regarding the inaccurate and inconsistent reporting of an account listed on my credit reports. Despite numerous attempts to rectify these errors with both the credit bureaus and Extra, my concerns remain unresolved. The account in question is detailed below : XXXX and XXXX report conflicting information for the same account : - XXXX reports the payment status as " Pays account as agreed, '' while XXXX states " Credit line closed/not paying as agreed. '' - XXXX lists the worst delinquency as " 120+ days past due, '' whereas XXXX XXXX " 180 days delinquent. '' - Discrepancies exist in the reporting of late payments : XXXX records a XXXX late payment in XX/XX/2022, while XXXX denotes a XXXX late payment in the same month. 
- The two-year payment history exhibits inconsistencies, with several months of unreported data. 
- XXXX specifies the date closed as XX/XX/2022, yet XXXX does not indicate a date of closure. 
- There is no dispute remark, despite this account having been previously in dispute. 

For your reference, I have included a copy of how the account currently appears on my credit reports as supporting evidence.
Product: Debt collection

I personally don't have knowledge of this debt from XXXX XXXX XXXXk or lvnv funding LLC. I did have id theft back in those before the new era of record keeping. I get letters from restaurant capital services. I've asked them to stop contacting me. I don't have knowledge of this. It was ID theft. They refuse. They claim it's from XXXX. I had no clue of this.
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 has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I want Synovus to immediately close my Synovus First Digital Credit Card Account and immediately my personal information from their records database. I want my Synovus First Digital Credit Card Account immediately closed. Additionally, I Synovus to send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the Synovus First Digital Credit Card Account from my credit report. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX. -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX -- -- - Dispute letters were sent out XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Inquiry date : XX/XX/XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XX/XX/XXXX and XX/XX/XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XX/XX/XXXX Net Credit -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/2023, I logged into XXXX XXXX to discover that I had a derogatory mark on my credit for the amount of {$400.00}. Upon inspection, this mark was due to an outstanding balance owed to Southern Management Systems. Several months ago I received phone calls everyday from a number that was unknown. Voicemails were repeatedly left that did not clarify what the calls were regarding. They simply stated " Southern Management Systems. '' I ignored these calls because I believed they were fraudulent and that I was being harassed by a scammer. I never received notification that I had an outstanding debt with Southern Management Systems or the issuer of this debt to Southern Management Systems. I was never sent or provided verifiable information that this debt belonged to me. This is illegal. I need to be notified that I have a debt that was issued to a debt collector in order to take the next steps. I have no idea how long this debt has been outstanding. I am not happy with this collector and their failure to provide due diligence. I am also unhappy with the failure to notify me of what Southern Management Systems is and why they have been repetitively contacting me. Additionally, I was never provided an account number by the debt collector to verify that the debt was mine or the ability to pay it off.
Product: Mortgage

My mortgage company was XXXX and I was approved for a trial modification in XXXX XXXX. According to the letter and coupons received, I made my payments of {$310.00} to them for the months of XXXX and XXXX XXXX to XXXX. I called into the company, gave them the information and permission to draft my bank account for the amount indicated. In late XXXX XXXX I was notified by NationStar Mortgage that as of XXXX XXXX, XXXX NationStar Mortgage would be my new servicer and collect my mortgage payments. I then made payments to NationStar Mortgage in the following manner ; XXXX XXXX payment was made by phone ; XXXX and XXXX XXXX was made by check which was mailed in. I sent XXXX XXXX payment but it was returned and I also received a letter notifying me of being behind in my payments. I do n't understand if I was in a trial modification how this is possible.
Product: Credit card or prepaid card

XX/XX/XXXX, Received a text notification about a declined transaction assuming it was for my " debit card '' as i am not from area and its common to receive these notifications, upon further investigation about 1 minute after i called bank to inform them i was not using my " credit card '' anywhere and informed them i did not even have possession of the card. 

They have opened a claim immediately and informed me card would be closed and new card will be issued. I have to wait till transaction posted to receive credit back to my account while they conduct there investigation. 

XX/XX/2023, received notification card was still being used, a transaction was successfully charged on this date using the old card they claimed to have cancelled. 

XX/XX/XXXX XXXX & XXXX, Bank send me letter saying I'm responsible for charges due to merchant providing a receipt with signature. " Fraud Charges placed back on to my credit card incurring fees and interest '', i requested copy of that information and they have not provided me with it so i can provide proof my signature was not on any documentation. Informed them my passport and drivers license both have my real signature and i will provide it to prove my innocence regarding the claim. 

XX/XX/2023, @ XXXX i call and ask for supervisor and ask that this be elevated for further clarifications as something is not right and my claim isn't being handled properly. They inform me claim will be reopened. 

XXXX XXXX @ XXXX called in to verify everything is clear and again information is not being made clear, they informed me both claims were closed and that they will reopen them to reinvestigate. 

I also informed them that i was still getting notifications about transactions being declined at numerous gas stations aswell as XXXX even after the card was supposedly closed. 


There is alot of mis information being passed around causing me financial burden and false information being provided is hindering the proper resolution of my claim. Its near impossible for a claim to be resolved in under 72 hours, all whilst the fraud is still taking place even after they claim card was deactivated on XX/XX/XXXX the very same time as original fraud transaction Claim # XXXX < First claim Claim # XXXX <Second claim I am not responsible for these charges and i request further help to come to a resolution for the very poor communication and investigative skills provided by bank of america.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request for an investigation of this account. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
XXXX XXXX XXXX ***** Opened Date XX/XX/2017 Balance {$13000.00} XXXX ***** Opened Date XX/XX/2017 Balance {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive taken the proactive approach into reviewing my Equifax, XXXX and XXXX Credit Report after the Equifax 2017 breach. Ive contacted Equifax and was advised via Equifax website ; Based on Information provided we ( Equifax ) believe that your personal information may have been impacted by this incident. I enrolled in the TRUSTED ID PREMIER which was offered by Equifax and locked my credit reports. I recently received a copy of my Equifax, XXXX and XXXX   credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax is still reporting on my credit that my balance is past due. They sold the car on XX/XX/XXXX but reported me past due on the XXXX of XXXX. They are retaliating against me using my credit score it's hard enough for XXXX people to get things and then a corporation can just lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on GM and stated that GM has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TO XXXX, EQUIFAX AND XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open XXXX XXXXXXXX accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my XXXX, EQUIFAX, AND XXXX credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX, {$770.00} Closed Balance {$770.00} Credit limit {$300.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) ( XXXX ) XXXX XXXX Reported : XXXX XXXX, XXXX Closed Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX Charged off account ( XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Charge-off ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX Charge-off/Collection XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) {$2500.00} XXXX ( XXXX ) XXXX Opened XXXX XXXX, XXXX XXXX, EQUIFAX AND XXXX HARD INQUIRIES hard inquiry not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I found my old prepaid Visa Debit Card by Vanilla I went to register it and it said its expired I called the company and they said since I didn't register it I loose the {$200.00} and theirs nothing they can do I have the card and the receipt
Product: Debt collection

I sent a letter to OAC Collection Specialist dated on XX/XX/XXXX XXXX XXXXfor an amount of {$310.00}. I ask them to verify and send me a breakdown of fees. In addition, to provide me a copy of my signature with the provider of service to release my medical information. This is an error on their behalf. I am disputing this to the Credit Bureaus as not been verified. This bill does not belong to me and I am requesting for proof of this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and Equifax to have them removed but they still reflect
Product: Checking or savings account

XXXX XX/XX/XXXX a XXXX  XXXX  payment of {$1200.00} was made to a XXXX  XXXX XXXX and a XXXX XXXX to XXXX XXXX or XXXX fraudulent withdrawals made from my checking account I went to the bank after being alerted by XXXX XXXX XXXX that fraudulent transactions was being made from my checking account and the XXXX XXXX XXXX shut my debit card and checking account down and had me to dispute the charge that wasnt mine and send me a new debit card and blocked the old checking account and gave me a new account number. I went Regions Bank and was told by the bank clerk that it was anything she could do because the transactions were pending. I kept telling that I didnt authorize these payments and didnt know who these people was. So I shut my debit card down and online banking with the Regions bank. I went to the bank several times with no results the last time I received a letter that stated I participated in, allowed, or otherwise authorized this use of my online credentials in other words this XXXX XXXX year old female that is living on a fixed income stole my own money. The bank letter stated that based on the following findings we have determined not to provide any credit to my account for the transactions. I have been a customer of Regions l since XX/XX/XXXX over twenty two years and was with XXXX XXXX  before they merged with Regions for over ten years. The part that hurt me the most was the clerk told me couldnt block a pending payment or charge. Help me please because I really need my Social Security Benefits to be able to pay my household bill, buy my medicine and grocery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute multiple time with the credit bureaus. I have filed a FTC report as well, each XXXX of these efforts have come back that the accounts were verified, and my request have been ignored despite being a victim of identity theft. I the filed FTC report on XX/XX/XXXX of XXXX. 

XXXX XXXX XXXX Acct # XXXX {$0.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Filed FTC report XX/XX/XXXXXXXX Discover Bank Acct  # XXXX {$890.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$720.00} Filed FTC report XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid on a settlement account on XX/XX/XXXX through XXXX and XXXX on behalf of XXXX. XXXX reported on on XX/XX/XXXX that I still owe the remaining balance on XX/XX/XXXX to the credit bureaus although the settlement letter stated my account would be settled. I uploaded the settlement letter as proof that I no longer owe the money although I was reported again as a late/missed payment and money owed. Experian stated on XX/XX/XXXX the account will remain even with this documentation. This is the second time Experian allowed inaccuracies to remain on my account. XXXX XXXX stated I filed for bankruptcy on my account in XX/XX/XXXX and put 4 charge offs on my account in XXXX. My public record for my bankruptcy is for XX/XX/XXXX. 
When I questioned Experian, I was informed on XX/XX/XXXX by a dispute specialist that even if I have proof that the information is not accurate, the credit companies can put whatever they want on my credit report if they say it is accurate. There is nothing I can do. Even if I have a public record file, XXXX XXXX can say I filed in XX/XX/XXXX. XXXX can say I owe them money even with a settlement letter. All of these inaccuracies have been on my report preventing my credit from going up and getting a mortgage.
Product: Credit reporting

Other than when I initially got my Cabellas Card issued from XXXX approximately 2 years ago I have not used the card. However I recently checked my statement and found a fraudulent charge in XX/XX/XXXX. This charge was to XXXX, which I 'm not a member of and in XXXX, where I have n't been in over XXXX decades. Upon discovering the charge I immediately disputed the charge with XXXX Upon dispute XXXX closed the account and then opened an additional account, transferred the fraudulent charge with late fees then immediately closed the new account with a delinquent balance of {$10.00}. These actions of XXXX has directly negatively impacted my credit score by XXXX points. Their response has been " you need to contact the credit bureaus to get it corrected. '' Their actions have been malicious and predatory toward a person who has no other derogatory remarks on their credit history. This is over a charge of less than {$10.00} that was made fraudulently and since it was an international transaction should have been picked up by their fraud department easily.