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

*Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I demand your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax affirmed a collection account from XXXX XXXX XXXX ( XXXX ) for an XXXX XXXX XXXX credit card on a dispute filed on XXXX XX/XX/XXXX. This account is now over seven years since the date of first delinquency ( XX/XX/XXXX ) and is illegally being reported by XXXX. This accounted was appropriately deleted by XXXX. 

I have attached some notices of the first delinquency from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. 

On XX/XX/2019 I retrieved a copy of my Credit Report, I noticed a collection account being INACCURATELY inserted by XXXX XXXX XXXX Account XXXXXXX on behalf of CREDITOR XXXX XXXX XXXX MD. 
This Account has been PAID IN FULL which means you are in VIOLATION of the FAIR CREDIT REPORTING ACT. 
FINANCIAL CREDIT NETWORK has provided me with a letter on their company letterhead verifying that the Account is PAID IN FULL that I will attach with this complaint. 
Not only are you in VIOLATION of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has INCORRECT STATUS INFORMATION and Field 21 has MISSTATED BALANCE INFORMATION because the Account is PAID IN FULL. 
EQUIFAX. Delete this INCORRECT AND INACCURATE ACCOUNT IMMEDIATELY and update your files. 
As you are well aware it is against FEDERAL AND STATE LAW to report INCORRECT AND INACCURATE INFORMATION on a Consumers Credit Report. 
EQUIFAX. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry as well.
Product: Credit card

Synchrony Bank 's payment scheduling system changes the customer 's chosen payment posting date if any part of the payment detail is changed. I have noticed an issue where Synchrony Bank credit accounts change a payment scheduled date ( chosen by customer ) to the payment due date, if the payment amount is edited. 

Example : Amazon Store credit : {$94.00} due by XXXX/XXXX/15. 
Initially chose to pay minimum {$96.00} on XXXX ( date funds available and date scheduled ). 
Advanced to confirmation page, but decided to increase payment amount slightly. 
When clicked " edit payment '' button, reverted to payment page, {$96.00} selected payment amount still selected ( not changed to minimum due ), but payment DATE ( posting date ) reverted from XXXX/XXXX/15 initially SELECTED to DUE date of XXXX. 

Edited amount to {$100.00}, did n't catch ( as I have many, MANY other times ) that the date changed to XXXX XXXX due date ). 

Did not realize the date changed until checking my bank account that all payments scheduled for XXXX had cleared and noticed the payment that I thought to my Amazon account had not yet posted. 

While likely quite small per individual customer, this issue potentially allows Synchrony Bank to charge/earn significantly more interest ( illegitimately ) across their portfolio because the customer 's average daily balance is higher due to the payment posting later in the month. 

A later posting date results in a higher average daily balance, and therefore interest charge, for each customer affected. 

A mere {$.00} additional interest for XXXX account holders results in a additional {$50000.00} increase in interest earnings for the company. XXXX customers at {$0.00} each = {$250000.00} additional income that is earned through a system with a significant flaw ( if not intentional process ).
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 Account XXXX  XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX - XXXX XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

Im caught in the middle of a fight between Shellpoint Mortage Co and Georgia HAF approval. Please call me XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018
Product: Credit reporting or other personal consumer reports

What happened : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer XXXX : XXXX 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 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : 1. Hard Inquiries : Several unauthorized hard inquiries appearing on my consumer FICO credit report, including but not limited to the following : - Inquiry by 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 XXXXXX/XX/XXXX XXXX Payments : Incorrect late payments reported on accounts that should be marked as paid off : - Late payment on account with XXXX XXXXXXXX date open XX/XX/XXXX. 


XXXX. Fraudulent Accounts/Collections : Accounts and collections reported inaccurately or fraudulently under my name, which I have no knowledge of : Accounts - XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Incorrect addresses and personal information : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please see the Federal trade commission identity theft report : report number XXXX. 

I do not recognize or have never authorized the accounts, collections, or hard inquiries listed above. The aforementioned accounts, collections, and hard inquiries are inaccurate and must be removed from my consumer credit report maintained by your agency. This is also affecting my credit score unjustly.
Product: Student loan

I called Nelnet to see the status of loan forgiveness. I qualify under low income, public service and borrow defense policy which I all applied for XXXX years ago. Nelnet informed for me to call XXXX about the status of my loan forgiveness. I sent a complaint through CFPB twice and both times XXXX informed there is no record of me having a student loan. When I call them, my social security number doesn't come up at all. I am trying to get my loans forgiven since I am qualified and have held no help in giving the status of my loan forgiveness application.
Product: Credit reporting or other personal consumer reports

Someone tried to use my credit without my permission. No I have unauthorized inquires on my credit.
Product: Debt collection

I have had dealings with XXXX XXXX, I will admit this but not once, in any written letter or e-mail sent to me, have I ever received a bill saying I owed them money. What is this debt for? With the data breach, is this debt even mine? And why have I received no letter in the mail from the collector about this debt before they are allowed to put a negative mark on my credit report. I disputed this once with XXXX already and they put it back up again and I still have no letter in the mail. I am definitely disputing this debt.
Product: Debt collection

Portfolio Recovery Associates stated that an account and its proceeds were sold, assigned, and transferred by the seller on XX/XX/XXXX. They stated the seller provided an electronic file of its business records concerning this account. Their office considers this matter closed. Despite request to PRA in  XX/XX/XXXX, XX/XX/XXXX to all three CB, XX/XX/XXXX to all three CB, XX/XX/XXXX to PRA, they will not furnish any data that states that this debt is MINE and most importantly they dont have a signature or contract with me to report on my credit. I have made numerous attempts to resolve this inaccuracy and they WILL NOT send me proof.They are breaking the law by reporting inaccurate data to XXXX, XXXX, and XXXX. PRA is in Violation of the FDCPA ( including but not limited to Section807-B ) and the FCRA ( including but not limited to Section 623-b ). I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( XXXX transunion and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on XXXX, XXXX and transunion there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account in good standing with Grain for going on 2 years now. Recently the company plaid is no longer affiliated with my bank so grain no longer has access to my bank account. That meant I had to manually make payments rather than it being automatic. Grain reported me 30 days late in XXXX and XXXX. I was not late either of these months. I have disputed multiple times and Grain corrected XXXX but not XXXX. I made a payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I paid the account in full on XX/XX/XXXX. As of XX/XX/XXXX, I still have a 30 late payment for XXXX and Grain continues to report my balance as {$890.00} despite multiple attempts Ive made to request them to correct the balance and payment history. They are saying they wont correct my balance until mid XXXX which will be about 60 days after the balance was paid in full. I paid off nine accounts on the very same day as grain and grain is the only creditor refusing to correct my credit balance after being paid off. Please correct my credit as it has made it so Ive lost my account status with other companies for having a delinquent account with a high balance.
Product: Credit card or prepaid card

I had an XXXX XXXX store card, and entered a payment installment plan with Synchrony Financial and closed the account in XX/XX/XXXX. The arrangement was for 0 % interest. Ive been making payments as agreed since XXXX and have not been late since I started the payment arrangement. Fast forward to XX/XX/XXXX, and I was charge $ XXXX in interest. I emailed customer service and the representative said that they charged me interest because the promotional period had ended, but I was told that I would not be charged any interest at all and would be paying off the credit card balance at 0 % interest. Why are they charging interest when they agreed not to charge interest back in XX/XX/XXXX when I began the payment arrangement?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  and XXXX, I
Product: Checking or savings account

Chase bank receives pre authorization for purchases online the charge is debited out of account then 2 days later reverse the charge from the merchant. The representative said the reason is the said the merchant has 3 days the collect or present charges however if make purchase online they do not charge the consumer until the product has actually shipped to the consumer this has cost me over {$200.00} fees and NSF fees from merchants I did a lot of online shopping for the XXXX season
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper Mortgage Company did not resolve my issue as it should have been. Please refer to complaint number XXXX. 

Mr. Cooper reported to me that they had the right to report a late payment to them. yet on XXXX XXXX I spoke to a representative from the Company who told me my numerous complaints to Mr. Cooper were still under review. I commented at that time that I was concerned if it wasn't reserved soon that it would affect an issue with my credit. I was told by the representative that I didn't have to worry about that as everything was still under review. If they record their calls as they state, they can listen to them and hear what I was told. Not believing that Mr. Cooper was moving fast enough I went ahead and made the payment they had requested even before the issue had been resolved. After this they reported a late payment to all three credit agencies effecting my score by almost 100 points. 

I have the legal right to have this removed from my credit reports. 

Please re-investiage. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXXXXXX XXXX  OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : Accounts Name - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognize that XXXX XXXX submitted unauthorized inquiries on my credit report for financing 16 times on XX/XX/2018. 

Santander Consumer is one of the companies that it solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did this. It lowered my credit score by 200 points.
Product: Checking or savings account

Previously I was a victim of fraud. The criminals tricked me into depositing fake or empty checks into my bank account while also tricking me into gaining my trust. I had my account closed and later discovered that I was a victim of fraud and identity theft ( IRS approves ). 

Yesterday I inputted my information for a checking account following a {$300.00} bonus offer and was instantly accepted. I had an active account and even deposited $ XXXX for a wire transfer for a SUV I won on an auction. 

After submitting the wire transfer, making deposits ( with cash at atm too ), and given a debit card. 

The bank messaged me Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because the closure by Wells Fargo or its affiliates of a previous account you owned. 
-If ongoing reviews are active then why was I approved for a bank account in the first place? 
-How did I get approved for an account if the ongoing reviews are active and flagging me? 
-Was this really an ongoing review or a targeted one? 
-How is blacklisting me from creating a bank account while I was another poor victim towards fraud and online scammers justified?