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

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card was paid off 3 months ago there is no balance on this account.
Product: Debt collection

I am writing to seek your assistance regarding a debt associated with XXXX XXXX XXXX that I firmly state this does not belong to me. This is an XXXX company based in XXXX, and I want to clarify that I have never lived in XXXX or had any dealings with this company. I reside in XXXX. 

Despite reaching out to TRUE ACCORD on multiple occasions, including today, XX/XX/year>, I have not received any satisfactory solutions to this matter. I have requested cessation of all activities related to this debt, as it is adversely affecting my credit score. 

Additionally, I have not been provided with any documentation or proof regarding how this account was opened in my name. It is crucial for me to resolve this issue promptly to mitigate further damage to my credit reputation.
Product: Credit reporting or other personal consumer reports

I recently conducted an investigation of my credit report, which caused severe distress when I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately.

Under the Fair Credit Reporting Act, it is mandated that all information on my credit report be 100 % accurate. However, these accounts are in clear violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not adhering to this standard. 

I am attaching copies of all previous correspondence for your review. I demand that these inaccuracies be rectified immediately to comply with federal law and alleviate the harm caused by your agency 's negligence.
Product: Credit reporting or other personal consumer reports

This was a pay in XXXX, 0 % interest installment plan. The original creditor is not Affirm, it is XXXX XXXX  based on the loan documents I am seeing. Original loan amount was not {$430.00} as they are reporting, it was {$370.00}. I used a coupon, not sure why they added it to the balance since the merchant never charged {$430.00}. Date opened was not XX/XX/year>, it was before. The coupon and used loan amount was notated as a credit to my account instead of updating the loan terms. That adjustment was made before the first payment was due and it technically shows as a payment. This was very confusing to me when it came time to make payments. On their website it clearly states that pay in XXXX payment plans do not hurt your credit score so they confuse you by offering pay in XXXX pay in XXXX loans and quietly labeling them as installment plans to be able to report incorrect information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXEFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX  TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX  IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND EQUIFAX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX AND EQUIFAX STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX  THAT HAS THE ACCOUNT TO XXXX XXXX  AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX HOW THEY VERIFIED MY DEBT TO EQUIFAX AND XXXX  NOW DUE TO XXXX XXXX  NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND EQUIFAX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.
Product: Checking or savings account

I have a XXXX which when wells Fargo took over my payments arent being deposited into my account on the date which was set up. I was told they changed dates without my knowledge or consent. I asked several times for years to have this corrected and they tell me it can not be. They told me to wait till XXXX to see what can be done. They told me I would have close and open a new one to get it fixed which is absolutely unfair. All I want is for my disbursements to be corrected as it used to be.
Product: Debt collection

In XXXX, ERC sent me a debt collection letter for XXXX XXXX. I have never been a customer of XXXX XXXX. The debt was for someone with a different name than mine who lived in a place I had never heard of. I disputed this debt with ERC and XXXX XXXX. For proof of debt, ERC sent me this other person 's bills. This did not prove the debt belonged to me. It was just someone else 's bills with their name, address and phone number. ERC kept asking me to give them my social security number which I refused to do. ERC then told me the only way to clear this debt was by submitting a form stating that I was the victim of identity theft. I had a fraud monitoring service at the time, and my bank also provided identity protection. Both of them told me that my social security number had not been used to open any XXXX XXXX account. So I refused to submit the identity theft form to ERC unless they provided me the social security number on the account. I also spoke to the XXXX XXXX XXXX XXXX XXXX Customer Service Representative on XX/XX/XXXX. The representative told me that there was a note on the account saying the debt was not identity theft and the balance had been zeroed out. This is the last I heard about the debt until XX/XX/XXXX when I received another debt collection letter from ERC. I checked my credit reports to see if this was negatively impacting my credit rating and found that the name on the XXXX XXXX account had been added to my credit file as a known alias! How did this happen? Did ERC add the name to my credit file?
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I JUST RECENTLY LOOKED AT MY CREDIT REPORT ON XX/XX/XXXX. I SAW SOME HARD INQUIRIES THAT DID NOT HAVE PERMISSIBLE PURPOSE. I ALSO ATTACHED THE EVIDENCE. 

XXXX. XXXX XXXX XX/XX/XXXX : THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY CREDIT REPORT. DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B 2. XXXX XX/XX/XXXX : THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY CREDIT REPORT. DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B XXXX. XXXX XX/XX/XXXX : THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY CREDIT REPORT. DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B
Product: Credit card or prepaid card

I paid my credit card balance off in full XX/XX/23, {$6100.00} as I transferred it to a no interest credit card. When I looked at my bill for this month there was a charge dated XX/XX/23 for XXXX. I called the credit card company and was told that they told me that they charge interest 1 month ahead. I then asked what amount the XXXX interest was based on as my usual interest charges have been around XXXX to XXXX ( with balance averaging around XXXX every month ) They then responded that the interest is based on charges from the prior month. I charged XXXX on the card XX/XX/23 so based on that the interest should have been based on the XXXX charge which certainly doesn't equal a XXXX dollar interest charge. 
Now they couldn't explain what the XXXX dollar interest charge was based on and they stated that they can't refund the interest but as a courtesy they would refund a XXXX dollar late fee. 
I find the whole thing suspicious and it seems illegal I will attach the last months payments, interest and charges to show the inconsistency. I believe they are illegally charging interest
Product: Mortgage

I have been tryin apply for assistance since XX/XX/XXXX, since then SPS has denied my request for mortgage assistance numerous times. Most recently I applied for loan modification assistance on XX/XX/XXXX and faxed in documents to XXXX on XX/XX/XXXX SPS declined my request for mortgage assistance within 7 days of me submitting my paper work. I don't feel that SPS properly reviewed my paperwork during this time since there denial turnaround was so quick. I was never given a single point of contact to discuss this decision and I was not given a denial letter or was informed why they denied my case. Each time I asked for a copy of the letter they assured me there is one and that I should have received it by now. This lender SPS is purposely denying my modification or assistance only to foreclose on my home. I have Offred {$9000.00} towards the past due if they can work with me and apply the balance to the end but also denied that request. I am asking the CFPB to investigate SPS on violations under the Truth In Lending laws set placed for Failure to perform and Negligence on my home. SPS has failed to remove the foreclosure date set on my home while I worked with them with options, right now they currently have my home for Auction for XX/XX/XXXX and when I asked them to allow me to apply for help they refuse and say its not enough time prior to foreclosure and offer only Deed & Lou but SPS has had foreclosure against my home while under review for mortgage help, I believe this is in direct violation of Dual Tracking
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Credit Reporting Agencys Name - Rent recovery XXXX Re : Investigation Request for Inaccurate Credit Information Dear Rent Recovery I am writing to formally request an investigation into the accuracy of certain information on my credit report. After reviewing my credit file, I have identified discrepancies that I believe require your attention. 
The details of the disputed information are as follows : 1. Account Name : XXXX XXXX. Account Number : XXXX 3. Nature of Dispute : Collection for eviction I kindly request that you conduct a thorough investigation into the validity of this information. Specifically, I ask that you : 1. Verify the Accuracy : Confirm the accuracy of the reported data with the creditor. 
Provide evidence supporting the validity of the information. 
2. Correct Any Errors : If any inaccuracies are found, promptly update my credit report to reflect the correct details. 
3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the changes made to my credit report. 
I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute questionable information. I appreciate your attention to this matter and your commitment to maintaining accurate credit reporting. 
Please respond within 30 days from the date of this letter. You can reach me XXXX ] or XXXX if you require additional information. 
Thank you for your prompt attention to this request. I look forward to a positive
Product: Credit card or prepaid card

XXXX what I just posted on XXXX : PLEASE READ AND SHARE THIS POST : SYNCHONY BANK is a vile corporation and a predatory lender of the ugliest kind. 

Yesterday they closed every store card I had with their bank. There had been no issues with payment. And I only learned of what was unfolding when I got a notice that my credit score had taken a deep dive. I lost {$30000.00} in valuable credit that had been available to me. 

Heres my story : I dont know why the accounts were closed except SYNCHRONY had an issue with one account. They decided suddenly that all my accounts were high risk and closed them all. I dont know what the issue was. 

They informed me that I was sent a letter about the issue but I never received it. 

I dont know whether the letter they was warning me or just notifying me of the closing of my nine accounts. Customer service couldnt access the letter but I was told they would mail me another copy. ( Since the Post Office has been crippled by the previous administration, who knows when or whether I will receive the letter. ) One account that I will really miss is my LOWES card, which had a high limit of which I had never taken full advantage. However I just purchased a house and was counting on my Lowes credit to help me fix it up. 

I worry that other banks will do the same shortly. And I would like anyone who has an account with SYNCHRONY BANK to CLOSE IT NOW. Better on your credit report that you close it than the bank does. 

By the way, I have heard recently that many of my coworkers have had their credit limits drastically lowered recently. But their stories do not compare to mine. 

I intend to complain to the XXXX XXXX XXXX and the federal Consumer Financial Protection Bureau. Please do the same if you have had a similar disastrous event. 

AGAIN, PLEASE SHARE THIS POST AND ADD YOU STORY IF YOU HAVE HAD A SIMILAR CRUEL EXPERIENCE WITH SYNCHRONY or any other bank. 

P.S. If a consumer journalist happens upon this post, PLEASE INVESTIGATE. 

My email is XXXX. My cell phone number is XXXX. Thanks for your help. 

This complaint involves multiple accounts. Here are the names and numbers of the other accounts : TJX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sams Club XXXX XXXX XXXX XXXX Amazon.com Store Card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Care Credit Ends in XXXX
Product: Debt collection

I am trying to apply for credit and I have huge collections hindering my ability to obtain credit. The biggest collection is for nearly {$3600.00}. The collection was opened XX/XX/year> and I have no idea what its for.
Product: Debt collection

They have called at least 6 times from various numbers in XXXX, MN but generally leave the same VM and number to call back. Voice mails are as follows : " Our client has recently give us the responsibility of reaching out to you on your obligation this is an important message from direct recovery services this is a call from a debt collector so please call us back at XXXX it is now Friday, XXXX of XXXX and we're open until XXXX XXXX this evening. Again, this matter is important so please contact me, XXXX XXXX, directly at XXXX. WE do have multiple resolutions that are possible. Do allow me to see if we can resolve the issue. '' ( called from XXXX XX/XX/XXXX @ XXXX ) " This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello this is XXXX XXXX i'm calling to let you know we have a new options available on your matter please understand this is important in fact it's very important but you must respond if you'd like to resolve this today Thursday XX/XX/XXXX and I'll be here in the office until XXXX EST the phone number I can be reached at is XXXX our options are as follows on your balance of {$370.00} a 50 % settlement of {$180.00} a 55 % settlement and three payment to 65 % settlement ant 12 payments of {$20.00} settlements must be set up within the next two days call XXXX we are willing to work with you however we are also obligated to report back to our client. '' ( XXXX XX/XX/XXXX @ XXXX ) There are other voice mails as well : XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX they ask you to go to direct recovery services, which is a spam site of direct recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows High Balance : The high balance reported differs significantly.

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies.

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information.

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

My wife and I recently lost our jobs - she is back to work and I am actively seeking employment. We have a mortgage of {$660.00} and can pay the principal and interest. Bank of America, has insisted I pay taxes and insurance as part of my mortgage, which is GREATER than my actual payment. They Built on {$820.00} per month in escrow for overpriced insurance and taxes which we can pay separately. I asked Bank of America to let us pay the mortgage of {$660.00} and they refused and told me to short-sell our property. 
We are being strong-armed by Bank of America to sell our house, which we have lived in for 12 years because they refuse to let us pay the mortgage loan amount. 
We have the money to cover the mortgage without the escrow. The Bank refuses to work with us.
Product: Consumer Loan

This debt collector is calling my father and other family multipme times, whom I do n't have a relationship with and is disclosing embarrassing and defaming debt information as well as personal information about me. They are making it clear to my family that they are trying to collect a debt. I also just checked all XXXX of my credit reports and I do not have any Admin Recovery accounts on any of them. I do n't know who they are or why they are harassing me and my family. In the attachment that I added is a voice mail from one of their many phone calls which makes it clear that they are collecting a debt and they are also disclosing personal information about me in the phone call.. They can be calling anyone and disclosing my information. This is unlawful and unacceptable
Product: Debt collection

This company, which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$460.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account through U.S. mail on XX/XX/2018. However the business failed to provide adequate proof. Considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

REPORTING OF FALSE INQURIES ON MY CREDIT REPORT XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXXXXXX  JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
WORLD FINANCE XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

On XX/XX/year> this collection appeared on my credit report. The company is violating my rights to privacy and this information is very false and misleading. I was a victim of identity theft and someone stole my information and used it to get things in their name. I have made previous attempts to fix these issues directly with them, but yet they are still violating my rights and I am entitled to {$1000.00} for every violation that I have listed. So either they pay me or just delete this account ASAP.