23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX 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. 
I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.
Product: Credit reporting or other personal consumer reports

I have contacted all Three ( 3 ) Credit Bureaus with regards to this account with XXXX XXXX XXXX I have disputed it with all Bureaus. I have called Synchrony Bank more than XXXX times with different numbers given to me by them. Each time I talk with XXXX they tell me that they do not have the information needed to help me with my problem with the incorrect information on my CB report. When it is disputed by the Credit Bureau, the same answer comes back as the " Information is Correct. '' That is an answer they tell everyone, I assume. As stated, when I call them myself to try to find out about this unknown account from XXXX, it is always the same answer : " We do not have that information. It has been sent to XXXX XXXX. I need to contact them. I did! They do not have any information about the account, but to try calling some lawyer at XXXXXXXX XXXX  XXXX, XXXX. I did try to get them five ( 5 ) times since last Tuesday ( XX/XX/XXXX ) and left messages with the lawyer and the receptionist. NO return call ever made to me. 
Yesterday, XX/XX/XXXX, I called Sycnhrony again and was told the same thing : No information, but to call the Fraud Depart. I did and was transferred to another number and I called them this morning, XX/XX/XXXX. The Synchrony employee in that department told me that they had no information because all the previous info was transferred to XXXX XXXX I called them and was told they had no information because they only took XXXX accounts in XXXX or XXXX. No infor there either. 
My main question now is how can Synchrony Bank place a Charge off for XXXX in the amount of XXXX when no one has any information about me or this account. I am very insensed and very troubled with their business methods. It is very dangerous to have in XXXX today the ability to do this to a consumer and ruin their credit with no information on the account mentioned. How could this happpen?
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unfair and inaccurate credit scoring practices affecting my credit profile reported by XXXXFICO. This issue has caused significant harm to my financial standing and has raised serious concerns about the integrity of their reporting mechanisms. 

According to XXXXFICO, my credit score includes a delinquent account. However, upon reviewing my detailed credit report from Equifax ( dated XX/XX/year> ), this information is inaccurate and misleading. Equifax 's report does not reflect this delinquency, yet XXXXFICO continues to penalize me for it, which negatively impacts my financial reputation and opportunities. 

Moreover, I am distressed by XXXXFICOs failure to reflect my positive financial actions accurately. For example : No recent delinquencies As shown in my Equifax and other credit bureau reports, I have consistently made timely payments on open accounts. 
Failure to update resolved issues Past negative marks that were resolved continue to linger in XXXXFICOs scoring without justification.

Lack of credit mix recognition My diverse and active accounts, which should positively impact my credit score, are undervalued in their calculation.

These systemic inaccuracies violate my trust in fair credit reporting and affect my ability to obtain fair financial opportunities.

Requested Resolution : Immediate recalculation and correction of my credit scores to accurately reflect the information contained in my Equifax report. 
A detailed investigation into the discrepancies betweeXXXX XXXXFICO and the major credit bureaus. 
Implementation of corrective measures to ensure such inaccuracies do not recur for me or other consumers in the future. 
I am attaching supporting documentation, including my credit reports from XXXXFICO, Equifax, and other credit bureaus, to corroborate my claims. 

Thank you for your attention to this matter. I trust the CFPB will ensure a thorough investigation and enforce corrective measures to uphold the principles of fair credit reporting. Please feel free to contact me directly for further information.
Product: Credit reporting or other personal consumer reports

I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were XXXX or XXXX different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX Bank. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.
Product: Credit reporting or other personal consumer reports

My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( XXXX XXXX XXXX XXXX Santander consumer )
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX recieved two student loans one for {$4000.00} and one for {$2600.00} both loans were paid in XXXX.but in XXXX i got sick with XXXX and called navient and explained my situation and asked if i can be placed on a deferment while i was going thru XXXX. they said no problem we are still going to charge you interest. i told them thats ok.now that i want to refinance because inerest is low i have late payments on my credit report.i contacted them and they are telling me nobody never called them with a deferment request.i told them my original creditor was sally mae .so this is my problem can sombody help please.
Product: Student loan

The problem I am currently having is the repayment portion. I've been paying on my student loans faithfully and the balance I owe is higher than the amount that I initially borrowed. It seems like I'm only paying interest and my balance is getting higher and higher.
Product: Credit reporting or other personal consumer reports

A collection for {$700.00} was placed on my credit report in XXXXXXXX XXXX XXXX from XXXX XXXX XXXX. The original creditor is XXXX XXXX for which I currently have service with. Transunion 's website will not let you dispute online.
Product: Vehicle loan or lease

On XX/XX/2018 I received a solicitation from OPENROAD LENDING, which stated that I was " Prequalified '' for a refinance on my auto loan. 

Since the payment they were quoting was {$80.00} LESS than the payment I had already been making for 10 months without a miss and the rate was lower, I applied. 

I received an email directing me to their website, which informed me my application had been denied While I am certain that they will quibble over the wording and intent, I believe this is deceptive, particularly since a denial negatively affects my credit score.
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, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account NumbeXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXXXXXX 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 an 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.

These inaccuracies are stopping me from getting a house for my family.
Product: Payday loan, title loan, or personal loan

ADVERSE ACTION DENIAL LETTER : OFFER REJECTED : Discrimination An application was submitted to Affirm for an extension of credit for household purposes. As the applicant, I was denied due to Discrimination for exercising my right in good faith under the Consumer Credit Protection Act. It is IMPOSSIBLE for a consumer report to reflect my credit worthiness because I exercise my right to PRIVACY under the Fair Credit Reporting Act 15 usc 1681a. My credit worthiness is not affectively reflecting in this consumer report, and I have several other things that can vouch for me to be credit worthing for this transaction. 

In addition, Affirm failed to offer me the opportunity to establish my own credit worthiness which is a violation under the FDIC.
Product: Debt collection

On XX/XX/XXXX, I received an email notification from my credit monitoring service that a collection has been added to my XXXX   credit report by a company named XXXX XXXX XXXX for a XXXX account that I do now owe. The XXXX account was from XXXX and has been removed from my credit report years ago. This collection company, XXXX XXXX, has never sent me any correspondence regarding an old debt they purchased from XXXX. The debt does not belong to me. This collection has damaged my credit score by almost 85 points! I will be filing a civil action against this collection company for reporting a debt on my credit report that I do now owe. At this time, I am requesting CFPB to investigate this matter for this collection company to remove this alleged debt from all my credit reports. Further, I am requesting certified correspondence sent to my address and recorded statements indicating I owe a debt to XXXX XXXX XXXX. I am attaching documentation showing proof that the XXXX matter has been disputed and resolved more than two years ago.
Product: Credit reporting or other personal consumer reports

I have student loans reporting late on my credit report while I was actively in XXXX. The student loans that are reporting late are from XXXX XXXX XXXX The are reporting late on my credit report 90 days and 180 days late. I was actively in XXXX  during the time the time that the loans are reporting late. I was just not at XXXX XXXX XXXX during that time, but instead I was at XXXX XXXX XXXX that I paid out of pocket. I am asking that the late payments with my XXXX student loan accounts be removed since they should have been on an in XXXX XXXX during the times they where being reported late. 
The dates are from XX/XX/year> to XX/XX/year> and the accounts are with the department of Nelnet. Account : XXXX. I active in college that entire year and summer.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX my equifax confrmation number is XXXX social XXXX bate of birth XXXX/XXXX/XXXX my complaint is that i talk to equifax serveral times that the XXXX bank card account XXXX along with all thehard inquires from XXXX XXXX and XXXX XXXX and XXXX XXXX and all other hard inquires are fraud and the XXXX XXXX XXXX XXXX refuse to remove all hard inquires and XXXX bank card off my report due to fraud. please talk to these people at equifax. XXXX removes inquires why equifax cant.
Product: Checking or savings account

Hi I opened an account with Citibank after reading an advertisement that said if you open an account between XX/XX/2022 XXXX XXXX XXXX, and deposit {$50000.00}, you will get, {$700.00} after 60 days of maintaining the balance. We opened the accounts on XX/XX/XXXX and XX/XX/XXXX, maintained the balance and were new customers. The bank has failed to apply such credit. Even though they were made aware of their failure to comply with their own advertisement. They are still not honoring what they promised. I know Im not the only consumer this has happened to, as the branch admitted that other Citibank consumers were victims or false advertising. Please investigate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accorders with the fair credit report act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section : 2 it also states a consumer reporting agency can not furnish any account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan has late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the LendingTree online form to view LendingTree 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a LendingTree partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security XXXX to yet another company ( not a LendingTree partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : XXXX XXXX XXXX   XXXX XXXX. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) LendingTree 's false advertising on XXXX XXXX XXXX XXXX XXXX  " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.
Product: Mortgage

We have been making two payments monthly each {$860.00}.

The new servicer Fay Servicing would not until XXXX, finally apply the payments. The mortgage statements were wrong and showed unapplied. We have made numerous calls and emails and receive no help. The address and phone numbers are not able to be changed. The site when calling into hangs up on you. Now they are trying to foreclose on us. We need the account serviced, issues addressed and since they just corrected their mess in XXXX, we need time now that there is a shortage. 
They are irresponsible and I did get a response when I complained to the XXXX on XX/XX/2021. about their missing a payment from the prior mortgage co.
Product: Mortgage

I have submitted numerous Complaints on the Servicing Mortgage Company, and notified the Bank that they claim is the Owner, and asked the Servicing Mortgage Company ( Select Portfolio Servicing , Inc. ( SPS ) to contact my Attorney, as I am under Federal Bankruptcy Protection, thus far they ( SPS ) have not done so. 

Today, I received Phone Calls and Texts from a man that identified himself as XXXX XXXX XXXX ( XXXX ) XXXX-XXXX, of XXXX XXXX XXXX, informing me that he had an Order to do something to the Property at XXXX XXXX XXXX, XXXX, Georgia XXXX, he stated that the property had a Lock box on it? I Texted him the information for XXXX XXXX XXXX @ SPS ( XXXX ) XXXX-XXXX, XXXX. XXXX, and asked him to never, ever contact me again, as the Mortgage Company took possession of that property XX/XX/2017, and the keys were surrendered, and Locks changed, the property belongs to the mortgage company. 

This seems to be an on-going pattern of harrassment by ( SPS ), and this is not a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency.

I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding.

Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.
Product: Debt collection

This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : 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 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: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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