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

My personal information has been exposed as a result of several data breaches. XXXX, XXXX, and Transunion is reporting inaccurate information on my credit report - the following addresses should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that all versions of these addresses be removed from myconsumer credit report. As well as the inaccurate Social security number listed ending in XXXX.. I am requesting that you remove XXXX and XXXX from all 3 credit bureaus as this is inaccurate information as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B 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 you receiving this complaint. This fraudulent innacurate and false information consists of a personal credit card account opened at XXXX on XXXX, XXXX under the account number XXXX, This account have resulted in several fraudulent hard inquiries appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I disputed and submitted a complaint to CFPB on XXXX for a collection account with inaccurate data on my credit report which was then deleted from my reports by both XXXX and XXXX. However the account was then readded back to my XXXX report several days later. I went from XXXX derogatory remark to XXXX  when it was deleted and back to XXXX again when the same account that was just removed was reported back on my XXXX report again!? How is this legal?! This is grounds for lawsuit! I want this account removed again and not placed back. I also want this report removed from my Experian report as they have failed to do so as well. Also I have been notified by XXXX of the data breach from 2017 that my information was exposed and have been trying to clean up all these negativities from my report since.
Product: Debt collection

My car was repossessed XXXXXXXX XXXX before XXXX and my wife and I immediately pulled together the outstanding amount owed to XXXX XXXX XXXX XXXX to pay the balance off and recover my XXXX XXXX XXXX. I overnighted the check using XXXX on XX/XX/XXXX and called repeatedly to check on the status and find out next steps. I was disconnected at least 15 times from the call center. I finally got XXXX on the phone but he said that the XXXX tracking number did not come up In XXXX system. The Repossession company picked up my car in XXXX and dropped it off in XXXX XXXX which has collection laws more favorable to repossession companies. I still dont know where the check is as it was last tracked in XXXX XXXX XXXX XXXX XXXX XXXX is in XXXXXXXX XXXX. No communication from XXXX as to whether the check has been received and whether the release has been issued so I can recover my vehicle. I need the car to go to work. I think that XXXX purposely makes it hard to recover vehicles so that they can sell the repossessed vehicles and sell them for more money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6900.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX Balance XXXX {$1800.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Cedars Business Services is unlawfully reporting a trade line on my credit report for a debt they do not own. I have confirmed with XXXX University, the original creditor, that they still own the debt in question. This means Cedars Business Services has no legal right to report this debt under their name, making their reporting a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.CXXXX XXXX ( a ), which prohibits furnishing inaccurate or misleading information to credit reporting agencies. 

Additionally, Cedars Business Services is reporting a balance of {$4300.00}, while XXXX  Universitys records show the balance is {$3600.00}. They have failed to provide a valid explanation for this discrepancy or any documentation proving I agreed to these additional charges. Reporting an inflated and unverifiable amount violates the FCRAs requirement that all information furnished to credit bureaus must be accurate. 

I have disputed this account multiple times, and Cedars Business Services has failed to provide proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXXg. They have not provided : An assignment letter from XXXX University proving they have the right to collect or report this debt. 
A contract with my signature confirming I agreed to this debt and any additional fees. 

Despite their failure to validate, Cedars Business Services continues to report this inaccurate and unauthorized trade line, damaging my credit. Their continued reporting after failing to validate violates FCRA 15 U.S.C. XXXX ( b ), which requires a furnisher to delete unverifiable information. 

I have attached supporting documentation, including my disputes and Cedars Business Services insufficient responses. Please confirm receipt of this complaint and update me on the resolution process.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

SUNTRUST BANK has continued to fail in being able to manage the simplest of accounts.

I have explained and shown ALL supporting evidence to the local bank manager, and explained that I don't have a fax machine and have to pay for city parking as well as sacrifice half my day to constantly correct SUNTRUST BANK errors.

Now, they are requesting I fax " A sales receipt. '' for a transaction that NEVER happend with SUNTRUST. 

SUNTRUST never paid the seller! 
XXXX doesn't show the transactions! 
SUNTRUST refused the charge THREE times and then keeps the money making me have to file a dispute.

I had to pay with another bank since SUNTRUST is incapable of being reliable on the basic level.

I can't fax " A copy of the original sales receipt ( s ) '' Proof of payment by other means ( receipt, copy of front and back of canceled check, copy of credit card statement with full account number ) Because that's not how this purchase works. 

SUNTRUST stole the money. 
XXXX shows no successful transaction because SUNTRUST refused the charges. 
Yet SUNTRUST is trying to keep the money because that is what SUNTRUST does. 

I've attached a screenshot of the successful transaction from my XXXX account. 
Please note : the {$1.00} difference is from a " XXXX credit '' I used on another transaction, but the seller and dates are the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged late fees for the month of XX/XX/XXXX and XX/XX/XXXX however the bills for XX/XX/XXXX and XX/XX/XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XX/XX/XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.
Product: Checking or savings account

Bank of America Check Processing Center Dear Bank of America Check Processing Center, I hope this letter finds you well. I am writing to inform you about a check that I recently received in the amount of {$5000.00} USD, which is intended for deposit into my business checking account at XXXX XXXX XXXX. 

I kindly request that Bank of America and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify and confirm that the check is clear for deposit into XXXX XXXX XXXX Business Checking Account. 

Your prompt attention to this matter is greatly appreciated, as it will ensure the smooth and timely processing of this transaction. If there are any additional steps or information required from my end, please do not hesitate to contact me at XXXX or via email at XXXX. 

Thank you for your assistance in this matter, and I look forward to the successful completion of this transaction. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Santander Bank. 

The bank has devious banking practices. I requested when I set my CD up that it not be renewed automatically. I was ignored. Subsequently, I was told all accounts are automatically set up with automatic renewal regardless and that this takes effect 7 days after the account is set up I want the money at the maturity date to be moved into my savings so I can get a better rate elsewhere. I was told that I am not able to take my money out of Santander unless I go into a bank OR have a notarized letter. 

Every other bank I do business with allows you to not have automatic renewal in the first place, and to close a CD out online. 

This is a way to discourage people from moving their funds out of the bank. There practices need to be investigated and fined. 

XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof that you have on file for the account listed below. XXXX. XXXX XXXX XXXX. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

After two request XXXX and Transunion refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...
Product: Credit card

A purchase was made using my credit card information at a Macy 's store in XXXX XXXX for {$230.00}. I received an e-mail receipt on XX/XX/year>. I have never been to XXXX XXXX nor did I make that purchase. I immediately contacted Macy 's and let them know about these charges- and that I did not make them. I submitted a fraud claim with them but they left the charges on my card. I eventually closed the account & that charge has been on my credit report since then. It has been over 5 years since then & nothing has been done about it. I did not make those charges.
Product: Credit card

Advised by Synchrony Bank of a new fee to be charged for paper statements. The fee is {$1.00} per statement. They do not specify which card or all cards they issue. 

This seems an unfair burden since we have 6 accounts that have moved to Syhrchrony : 4 store accounts and 2 credit cards. 

They do not supply a phone number or email address to question this policy across the cards we hold..
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX and 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

I didnt authorize XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX, XXXX XXXX XXXX XXXX,XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has bad information, addresse 's and are reporting them to credit companies. This is nicking my credit rating. After calling, this is a boiler room operation that employs people that can bearly speak english. This should not be allowed let alone destroy people 's credit rating. This XXXX cent operation should be shut down.
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 1681XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX 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 card

I reported this bank in XXXX. This government agency did nothing to Synchrony for their damage to my credit score. And because of that, Synchrony bank has now closed two more of my credit cards. Hurting my credit score. Same response as last time. My issue is with the fact that I rely on my 100 % on time payment and my perfect payment history to keep my credit score the way it is. I used to have bad credit over 20 years ago but have been working hard to keep my credit score the way it is and better. Now this bank has done it AGAIN. They are damaging my credit score. All because they can. They are so smug when you contact them, when you can contact them. I'm considering contacting a lawyer to find out if I can sue this bank for damages. If I had been irresponsible with their credit cards then I could see their reasoning, but they are looking at my other credit cards and making the decision. It's not their credit cards. My cards give me credit increases why should this hurt my credit? Isn't this supposed to help my credit rating? Instead, Synchrony uses it to destroy my credit rating. I've not received any deficit in my income and I've not defaulted on any of my cards. This is an outrage and the government needs to take action against this company. I am not the only one they are doing this to. And it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

They did not respond and stated that is how the company is run. We got a loan for XXXX, how every they took over XXXX dollars with of fees and that did not include the instreated. 
We paid the loan off early they only thing we got back was XXXX bucks We paid off over XXXX before it was due and this is all we got back in fees. 

We only got XXXX from the loan, but we paid back over XXXX in fees and instreat which this is not fair We want some of our money back over XXXX should be give back to us