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

Thank you for assisting in removing some erroneous credit report entries from my file. However, a few items still need your attention. This is my second CFPB complaint regarding incorrect credit reporting, and I dispute these inquiries in my file resulting from this issue. The inquiries I am disputing do not relate to any transactions for goods, services, or money that I have made or authorized. Please remove these inquiries from my credit file : 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 XXXXEquifax 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 These inquiries are unknown to me. Additionally, the information you provided on these inquiries was deleted by other bureaus, and I doubt their accuracy and the reported history dates. As per Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within 4 business days, given ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of such information by me, and ( 4 ) my statement that the information does not relate to any transaction by me.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX  any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

Had a auto loan with Wells Fargo Auto XXXX. XXXX received lots of notices, bills and calls regarding payments, extra fees owed. I started paying double and extra payments once I secured high paying job yet still I received calls about money due. Statements never added up to my calculations.
Product: Debt collection

I sent a verification letter to Aargon Collection Agency about a collection that is being reported on my credit report by them. They VIOLATED HIPPA laws by responding to that letter with a letter stating all procedures and descriptions of procedures that I have had that I myself never even seen records of.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I opened a Chase account and everything was fine and then I get a letter that they were closing my account stating that its from Information that they have because of my association with a chase credit card deposit on vestment count that was previously closed. Several years ago I opened up an account for my boyfriends construction company but it was in my name because he was too busy working to go into the bank and he just doesnt do paperwork computers or anything like that so I open the account in my name and owner. Had properties in the XXXX XXXX, XXXX XXXX area, but he lives back east in Ohio somewhere he was depositing money for payroll and for construction materials that we needed to complete the remodel of the apartment complex I get a notice from Chase that they are closing my account, they accused me doing illegal Things in so many words, they insinuated I was laundering money or something like that. Thats the impression that I got I was absolutely mortified abhorred at the insinuated allegations. Fast forward to XXXX I open a Chase account because Im not happy with XXXX XXXX because XXXX XXXX close my account installed one of my savings bonds my father had purchased for me. Anyway, so Chase close the second Chase account but I turned around and opened up another Chase account and they allowed me to the system didnt catch it and then XX/XX/XXXX. I receive a letter that states after careful consideration we decided to close your account because of your association with the Chase credit card deposit investment count that was previously closed. Heres what you need to do blah blah blah. Ive tried to talk to people reached out to people tell me this is a mistake Im not sure because XXXX XXXX put me on early warning system When they close my account and stole my bond money which thats another case that XXXX reported about thats being resolved actually so it could be that early warning system thing or could be this old account for mini years ago. I think it was maybe XXXX XXXX I had my other Chase account its been so long.
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 : XXXXXXXX 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 XXXXXXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. 
I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. 
My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. 
I have filed FTC report for this matter. 
Here are the list of these fraud items : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit card or prepaid card

I was notified that there were two past due {$15.00} charges on my Discover Card. I haven't used that card since XX/XX/2017. 

I tried to login to the Discover website and learned that my account had been compromised, and my login information and phone number had been changed. 

I reported the fraud to Discover and they issued me a new card, but as of yet they have not removed the fraudulent charges. This shows up as past due on my credit and it has brought my score down by 70 points. 

I have tried resolving this 4 times over the past two weeks. They shuffle me to different people each time, but no one has removed the charges as of yet. Just now I called again and was told that their supervisor was in a meeting and may call me back later today. If not, I should try again in a few days. 

Discover isn't doing anything to resolve this issue of fraud and I'm frustrated with the back-and-forth nature of being passed around during phone calls. They already established that someone fraudulently accessed my account. It shouldn't be this complicated or time consuming to get the charges removed.
Product: Credit card

I used the XXXXXXXX XXXX via Synchrony Bank maybe 2 times totaling under {$100.00}. My bill is over {$700.00} now - after bringing it down from over XXXX. Synchrony Bank calls me XXXX times a day ( literally ) - even after placing my account into collections. I should not owe that much and I'm being harassed. Going on 6 months now at least. They won't leave me alone and I refuse to pay a company hundreds of dollars for nothing.
Product: Credit card or prepaid card

I keep getting fraudalent transactions on my account and when I try to dispute the transaction I'm getting put on hold for hours then the call will drop out of no where having to start the whole process over again.i really spent from XXXX to XXXX XXXX  yesterday and never talked to anyone on the phone to help me with my dispute
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I checked my credit report on Experian and XXXX XXXX and noticed a debt of {$2100.00} listed from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX XXXX. I disputed this debt through a letter dated XXXX XXXX requesting XXXX  to remove the remark indicating I no longer disputed the debt and to notify the credit reporting agencies. XXXX received my letter on XX/XX/2024 at XXXX, via certified postal mail XXXX but they failed to remove the remark or inform the credit agencies as requested. 

Despite my clear instructions, XXXX XXXX XXXX XXXX XXXX did not take any action to update my credit report or notify the credit reporting agencies that I no longer disputed the debt. This inaction has negatively impacted my credit score and caused me significant emotional distress, including feelings of humiliation and mental anguish. 

XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 15 U.S.C 1692e ( 8 ), by not informing the credit agencies that the debt was no longer in dispute. Because of this violation, I am seeking compensation for the damages and costs I have incurred as a result of their failure to act appropriately. 

I am willing to pursue all legal remedies available to me, up to and including litigation, to hold XXXX XXXX XXXX XXXX XXXX accountable for these violations and to ensure they are required to compensate me for the harm caused to my credit standing and personal well-being. I am committed to seeking a fair resolution to correct these issues and prevent further damage.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information- Accounts with XXXX XXXX. 

To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX. I recently reviewed my credit report, and I found inconsistencies in the accounts attached below : This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b Additionally, I expect written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting the removal, within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies.
Product: Credit reporting

I am filling this complaint because Experian has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
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 XXXX XXXX XXXX. 

Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX  XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX  XXXX bankruptcyXXXX
Product: Mortgage

Good Afternoon I purchased my home, ( primary ) only property I have in XX/XX/1996. The loan has been sold many times. The original amount of the loan was {$100000.00}, a pay off balance of {$98000.00} ( roughly ) and some change is showing that I still owe. I strongly believe this is incorrect. 
I have spoken to a couple of people, with the present company which is PH Mortgage Co and can't seem to get anywhere. The customer service is outsourced to foreign companies and very difficult to understand when speaking on phone. 
I am XXXX XXXX XXXX XXXX and would like to resolve this in near future.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I want to express my appreciation for providing me with the performance summary, as you are obliged to report only factual information. However, I would like to draw your attention to the stipulation in 15 US Code 1681 ( 2 ) ( a ) ( i ) of the Credit Reporting Act, which mandates the exclusion of my transactions from your reporting. It's essential to note that my payments are considered as transactions.

I kindly request a comprehensive investigation into this matter and ask that you furnish me with a detailed description of the so-called late payments that you have purportedly verified as legitimate. Furthermore, I wish to inform you that delayed payments are in direct violation of 15 US Code 1666 ( b ). If it is determined that these allegations are false, I urge you to promptly update my file to reflect " Paid as Agreed '' and " Never Late '' status. Additionally, I request that you transmit this updated information to all the credit reporting agencies to which you provide reports. 

This correspondence serves as a formal complaint against the inaccurate and incomplete information currently present on my credit report. Specifically, the notation regarding the late payment is incorrect. I implore you to conduct a thorough investigation and verify the accuracy of all data associated with this account, including notation dates and balances, whether they have been reported or not. Here are the details for your reference : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I respectfully request concrete proof of this alleged item, particularly evidence demonstrating that these payments were indeed late. In accordance with consumer protection laws, I insist that if you are unable to provide such evidence or if you lack proof of these payments being late, you promptly amend my payment history to " PAAN '' status ( Paid as Agreed, Never Late ) and furnish a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Moreover, I am seeking an explanation of the procedure employed to determine the accuracy and completeness of the information. I am aware that this information must be provided within 15 days of the conclusion of your reinvestigation. Federal law also dictates that you have 30 days to complete this investigation. I understand that you are obligated to validate these items with the reporting creditor to ensure accuracy. Any information that the creditor can not verify should be promptly removed. I expect this process to be completed within 30 days of receiving this letter, or else the inaccurate information must be expeditiously removed. 

Kindly forward an updated copy of my credit report to the address specified above. I greatly appreciate your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX a line of credit for over {$13000.00} was open using my personal information. There is a balance of {$10000.00}. This is not an account I opened, and I do not have any knowledge of such a transaction. This account has been reported to all three credit bureaus and have dramatically affected my credit scores. I asked each agency to dispute the account and XXXX say they were able to verify the account as accurate. Again, I state without a doubt, this is not my account. The information on the report is SYNCBXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone number XXXX. I have not attempted to reach out to them because I believe the company information could be fraudulent. The terms to repay says {$0.00}, per month, paid Monthly.