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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account number XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified you that this account is unknown. How did you verify this account and where is the documentation that would prove this? 
Section 609 states that you're required to send me the original paperwork that verifies this account, otherwise this is false information!
Product: Credit card

I made a purchase with my Macy 's American Express account in XXXX XXXX for {$48.00}. I would get my statements delivered to me through my online banking service. When I tried to use my card again in XXXX XXXX, it was declined so I called the company. They said my bill was 2 months overdue. I explained I had not got a statement at all and I did not use the card monthly, therefore, I did n't track whenever I was supposed to receive a statement/make a payment. They offered to forgive {$19.00} of my fees/interest charges. I had always paid my bill on time in full. In XXXX, my credit union switched to a different online bill pay provider, but my credit union stated that Macy 's should have sent me a paper statement. I called Macy 's American Express again and this time I was told that there had been a letter sent out in XXXX stating that they were no longer going to be sending statements electronically through my credit union 's bill pay. I do not recall receiving this at all and what I do not understand is why the company never sent me any statements until I asked them to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, by XXXX  XXXX and Account # XXXX, Account # XXXX by XXXX XXXX XXXX XXXX have violated my rights.

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A credit may noy treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate deletion of a bankruptcy entry on my credit report, which I believe has been recorded in violation of federal law. Specifically, the reporting of this bankruptcy is in violation of the following statutes under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : The aforementioned statute outlines the specific permissible purposes for which a consumer report may be accessed and reported. My bankruptcy record was included on my credit report without my explicit consent or any permissible purpose as defined by the statute. There was no authorized or legitimate reason for this information to be accessed or reported without my prior written consent.

Violation of 15 U.S. Code 1681q - Obtaining Information Under False Pretenses : It is my belief that my consumer report was accessed under false pretenses, without my knowledge or authorization. The inclusion of the bankruptcy on my report, without my written consent, suggests that the reporting agency or other entities involved may have obtained this information illegally.

Violation of 15 U.S. Code 1681c-2 - Block of Information Resulting from Identity Theft : Furthermore, I have reason to believe that the inclusion of this bankruptcy record may be a result of identity theft or unauthorized access. This statute mandates the blocking of information on consumer reports that are a result of identity theft. I demand that this information be blocked and permanently removed from my credit report. 

The presence of this bankruptcy on my credit report is causing significant harm to my financial well-being and reputation. I demand that this record be deleted immediately from my credit report and that I receive written confirmation of this action within 30 days from the date of this letter. 

Additionally, I request that the CFPB investigate this matter thoroughly to determine whether there has been any illegal activity or violation of my consumer rights. I expect a prompt response and action to rectify this situation. 

Please consider this letter a formal complaint under the FCRA, and I reserve the right to pursue legal action if this issue is not resolved to my satisfaction. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I'm in receipt of your letter and made attempt to contact you but your voicemail is hard to understand. You indicate that Synchrony Bank complies with all laws which I say that is incorrect. 1 ) According to Section 4021 Credit Protection During Covid-2019 Fair Credit Reporting Act that was amended and impose due to COVID -2019., the amends Act, The : Credit Reporting. Section 4021 ( Credit Protection During COVID-2019 ) amends the Fair Credit Reporting Act to impose new COVID-19 related reporting requirements on furnishers of information to consumer reporting agencies. Under Section 4021, if a furnisher ( for example, a financial institution that lends money to consumers ) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation. However, for accounts that were already delinquent before the accommodation was made, then the furnisher is permitted to continue reporting the account as delinquent unless the consumer brings the account current. This new reporting requirement does not apply to consumer accounts that have been charged off. These furnisher responsibilities will apply to reporting on accommodations made to consumer accounts between XX/XX/2020 until 120 days after the end of the COVID-19 national emergency. My account was not late before XX/XX/2020 and it should not have been terminated. 2 ) You was notified that I was unable to work because you received payments from the third party insurance who contacts you to obtain account information before making payments. It is clear that non of my accounts were past due or reported past due prior to the Pandemic therefore for Synchrony Bank to close an account during the Pandemic time knowing what people are facing nevertheless, still receiving payments was a way to help damage consumers credit. It is my understanding that during the Pandemic, the Cares Act/Fair Credit Reporting act supersedes the consumers contract. If your position remains the same and you feel that your actions did not pose a hardship on consumers and is within compliance with the Cares Act & Fair Credit Reporting Act then I will have no choice but to follow up in court with legal actions.
Product: Debt collection

i do not know why this company keeps calling me, when i answer the phone, nobody is there to respond. they call from over 10,000 phone numbers, when i attempt to block them, it comes up under portfolio recov. they will not stop calling, they even call my parents since i never give it out. it is harassment to it is harassment to the 9th degree. 
i have blocked their number every day five times a day, and they still call from a different number
Product: Credit reporting or other personal consumer reports

I believe that Experian has mixed my account with at least one other persons. This is evident due to the number of errors in my report. 

In addition to the reporting errors, there are also hard credit inquiries, names, addresses, employers, and phone numbers that are not associated with me. I highlighted the items I dispute on a copy of my credit report and sent Experian the highlighted report along with a cover letter detailing my concerns and proof of my identity. I sent this via certified mail on XX/XX/year> and have heard nothing back from them in 3 months. I am not able to access my online profile with Experian due to their errors. They are not accessible by phone and ask you to provide evidence via snail mail, but they have absolutely nothing with all of the information I sent to them.
Product: Credit card or prepaid card

I have been calling Synchrony Bank for weeks trying to resolve my payment issues with no help from anyone. I just get transferred from person to person who dont seem to do anything.
Product: Credit reporting or other personal consumer reports

I disputed late payment with Experian credit bureau, and they closed the dispute within 3 days, and they didn't even acknowledge the payment history with the company I'm disputing. It is wrong and it should be corrected ASAP. This is affecting me. I have never had any late payments. They did not take the proper steps to investigate this inaccurate/false information of late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : 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 XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXX XXXX  on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX XXXX XXXX  of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to
Product: Credit card

I used my U.S. Bank credit card on XX/XX/XXXX to pay for a {$3200.00} XXXX transaction, as is allowed in the cardholder agreement. 

It caused a fraud alert, and told me to call a number. I called the number on XX/XX/XXXX and was told by the staff that it is cleared and I can reprocess the transaction. After listening to the direction from U.S. Bank, the card was closed. After spending 2 hours on the phone, I was told it was closed and that they could not tell me why.

It is tyrannical to tell a customer that can reprocess a transaction, and then cancel their account because of it.

I want to know why U.S. Bank is freezing my credit and have my account reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the companies, dates, and bureaus these unauthorized inquires are appearing on! I have reached out for MONTHS now to have these removed and they were only removed on equifax. Please remove these inquires off of ALL remaining bureaus! My information was also impacted by the equifax data branch and may have got into the wrong hands so I take my report very seriously. 

XXXX/XXXX  XXXX XXXX XXXX  Auto Dealers, New XX/XX/2020 XXXX  XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/2020 XXXX  XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX Auto Dealers, Used XX/XX/2020 XXXX  XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX Bank XX/XX/2020 XXXX  XXXX XXXX/XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX Finance/Personal XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX  Auto Dealers, New XX/XX/2020 XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 my estranged husband opened a fraudulent line of credit with Mariners without my consent, without my knowledge and without my signature however he managed to open it only my name & social security number. I never received the proceeds/money from this loan and have never made a payment to the loan as it is fraudulent and not valid. I did fill out all fraud paperwork Mariners mailed to me and sent it back to them, they have still not taken this fraud issue seriously and continue to pursue me for money I never received or requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account Number : **** Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Equifax 's Inaccurate Credit Scoring and Bad Practices Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding ongoing issues with my credit score. Since XX/XX/year>, my credit score has remained stagnant at XXXX, despite my diligent efforts to manage my credit responsibly. 

I was alarmed to learn of the CFPB 's recent actions against Equifax, which included a substantial fine for violations of the Fair Credit Reporting Act ( FCRA ). The cited practices, such as failure to investigate and rectify inaccuracies, as well as the selling of inaccurate credit report scores, resonate with my experience as a consumer. 

I have encountered numerous inaccuracies in my credit report that I believe have directly affected my credit score. Despite submitting comprehensive evidence and documentation to Equifax concerning these discrepancies, I have been met with inadequate responses and a lack of resolution. Furthermore, the confusing and conflicting information provided to me about the status of my disputes has exacerbated my frustration and concern regarding the impact of these errors on my financial health. 

Equifax 's practices not only reflect a disregard for accurate credit reporting but also contribute to a cycle of bad credit scoring that affects consumers ' ability to secure favorable financial opportunities. It is vital that credit reporting agencies uphold fair practices and ensure that the information they provide is accurate and transparent. 

I urge the CFPB to investigate my situation and take appropriate measures against Equifax for their continued negligence in handling consumer credit information and their bad credit scoring practices. This can help protect consumers like myself from the detrimental effects of inaccuracies and unresponsiveness. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, CFPB THIS HAS BEEN A CONSISTENT Pattern look at the scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX ( debt collector ) about erroneous charges from XXXX XXXX ( alleged original creditor ). I spoke to XXXX XXXX and they agreed to remove the debt. First credit services even sent me a letter saying the balance is {$0.00} and Transunion has refused to remove this erroneous debt from my credit report and did not accurately verify the erroneous debt. 

The account number listed on my Transunion credit report is : XXXX The master number for this account is # XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from Wells Fargo stating there a charge at XXXX XXXX in South Carolina. I live in XXXX, Arizona. They asked if I authorized this transaction I stated no. Someone called me from Wells Fargo saying they were going to have the XXXX transaction from XXXX XXXX in South Carolina refunded as they were not me. The caller also said that the people in South Carolina were trying to transfer money from my savings account one for {$2500.00} and the other {$1000.00}. I stated I did not authorize these transaction and the caller stated that we need to refuse them. I complied as they were impersonating Wells Fargo. Once the call ended they said I would receive a follow up. No call. I called Wells Fargo the following business day to get an updated they did not recognize the claim number that was provided. So they filed a new claim one for the unauthorized transaction in my checking account for {$150.00} but I was concerned about the {$3500.00} from my savings so they transferred me to the fraud specialist I filed a real claim with them about the unauthorized XXXX transfer of {$3500.00} I stated I got a call from a man impersonating Wells Fargo. They cancelled my savings account opened a new one, I got a new debit card and we created a new log in. Once I got both claims filed I just waited, i received emails from Wells Fargo saying how to prevent myself from fraud after the fraud had already happen. It wouldve been helpful to have got those emails/alerts prior, as I have had fraud on both accounts before. I got a letter saying my checking account claim was resolved for {$150.00} I was still waiting to hear back from the saving account. I received a letter from Wells Fargo today saving they denied my claim because I authorized it. I did not authorize it, this man was impersonating a Wells Fargo banker and I was a victim of fraud. As someone who has been a victim of fraud with this same bank they did nothing to protect me and then deny my claim. How are XXXX claims for the same thing not both refunded? I was clearly a victim of fraud and they want to refund only one account and not the other, both incidents happen on the same day. They send helpful emails/ alerts once the fraud had already occurred, I already dealt with this once prior to this new claim. A bank that is suppose to protect you and assets does nothing for you until the damage has already took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that the student loan is not me on the my credit report with Transunion also sent is a identity affidavit which they receive XX/XX/XXXX upon their request. Ye they still wont remove the the item from my credit report. Although I was told they would remove student loan and other accounts not mines. These is unlawful and unauthorized XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX DEPT OF ED/XXXX XXXX