23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, I submitted a fraudulent claim in regard to a transfer and withdrawal of funds from my bank account to another bank account in the sum of {$2000.00}. This was clearly a hacked account situation and was reported. They sent me a letter which I received today XX/XX/2022 stating there was no error and no credits will be issued. This is wrong and I need to get the money stolen from my account back.
Product: Credit card

Syncrony Bank/Rooms to Go Credit Card We purchased some furniture from rooms to go in 2024 and after we paid it off - I happen to be looking at my accounts online and saw a {$410.00} charge on the rooms to go card. 
I contacted Syncrony to dispute the charge. Syncrony researched with Rooms to Go and determined it was a fee per the contract we signed. The sales person at rooms to go NEVER DISCLOSED THERE WAS A FEE FOR THE PAYMENT OPTION WE CHOSE. In addition, we never got to see the contract until after the transaction was completed - on the sales person 's XXXX. He had us " sign here '' on the XXXX with absolutely no information provided for any of the payment plans offered. The salesperson intentionally kept that information from us until after the transaction was completed and he printed a copy of the contract. I did find that fee in the contract after I disputed with XXXX buried in the fine print. The manner in which the transaction was conducted by rooms to go employees I believe meets the definition of XXXX. We were not told there " could be '' a fee, nor were we shown the fee during the signing of the documents on the sales persons XXXX- he simply scrolled through the document to the next line that required a signature...
Product: Mortgage

I have owned my home for 10 years. PMI was scheduled to be removed last year automatically when the original LTV reached 78 %. I applied for XXXX assistance earlier the same year and qualified for a very small adjustment ( & lt ; {$100.00} per month ) This apparently reset the timer on the PMI clock, but I was never made aware of this stipulation. ( My current PMI payment is {$200.00} per month ) Basically I used XXXX to save {$100.00}, yet continue paying {$200.00} indefinitely. Seterus will not remove PMI or provide me with an automatic removal date. I have never missed a payment and make plenty of money, the XXXX PMI each month is an insult that makes me consider walking away from the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX  ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXXXXXX XXXX || Account # : XXXX - XXXX XXXX XXXX  || Account # : XXXX
Product: Credit card

I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.
Product: Credit reporting or other personal consumer reports

I was shocked to see some questionable accounts being reported on my report so I wrote into transunion with instructions to correct and update my report. its been a few weeks and I have yet to hear back nor see the reviews.
Product: Debt collection

This is a formal complaint against Security Credit Services located in XXXX, MS . This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Security Credit Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

I paid for a product via XXXX, I chose my checking account by accident and was sent another inovice by the vendor. At which point I paid the vendor with a different funding source. The money was stolen from my account by the bank. The paypal invoice shows that XXXX $ of the XXXX was payed to the vendor. I called my bank to cancel this payment they won't, they say the vendor has the money. But the vendor doesn't have the money, XXXX hasn't recieved the money from the bank. No one will tell me where my money went, and I am being kept in the dark. The bank won't issue a temporary credit because now my account is in the negative and no one cares to protect my finances so why would I use a bank because they are not fufilling their commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to Transunion to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again. 

Fair Collections And XXXX XXXX
Product: Bank account or service

I have a business checking account with Bb & t and I have not been getting my bank statement. And someone wrote a fraudulent check using a starter check without my name or address but it had my account and routing number on the check for {$4.00} and they despoit in a united federal credit union in XX/XX/XXXX. My son has been in and out the hospital and he passed away on XX/XX/XXXX and when I went to pay for his final expense the card declined and I went to bbt and they acknowledged that the check was fraudulent and filed a claim but denied it. I have had this account dunce XX/XX/XXXX and I have never had to a problem. I work hard and have a family and do not have a dime to my name. They did not contact me regarding the check before cashing it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX ( Miscellaneous XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collection bureau of a 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Mercedes Bank Financial Services ( XXXX and XXXX ) did not send me the XXXX  XXXX form. When I contacted them via their portal and phone, they told me they will charge {$10.00} to issue the 1099.

The IRS has ruled that charging a fee for issuing a 1099 is illegal. This is because a 1099 is an information return that is required by law to be filed with the IRS. The bank is responsible for filing the 1099 on the taxpayer 's behalf, and it can not charge a fee for doing so. 

I own a Demand Note from MBF - services at this website : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Product: Consumer Loan

I went to a local Sun Loans branch to pay of a charged off account. The amount I expected to pay was {$290.00} plus a late fee of {$10.00}. The Manager and assistant manager of the location informed me that the late fee was {$60.00}. I had actually defaulted on the first payment due to loss of employment. I explained to the XXXX Sun loans reps that there should only be XXXX late fee as once the account is late I should n't be charged additional late fees. I was then belittled by the store manager and told that I would have to pay the late fees totaling {$60.00} which is XXXX late fees instead of the XXXX late fee. I asked the manager to show me the signed contract stating that I was responsible for paying cumulative late fees. She then produced the contract that according to how it was worded I should only be charged XXXX late fee. To prevent further attempts of belittlement by the manager at my expense, I then payed the amount they were demanding and informed them I would be filing a formal complaint concerning their business practices. The paid in full receipt list the {$60.00} as " Plus other charges ''. It does not describe what these charges are for. I work hard and honest for my money and do not appreciate a business not only attempting to belittle me but also overcharge me by using unfair business practices. Thank you for your time and help.
Product: Payday loan, title loan, personal loan, or advance loan

I notified XXXX XXXX XXXX that I was XXXX. I sent them the required information for them to apply the XXXX XXXX to my loan, and in XX/XX/XXXX I received a letter dated XX/XX/XXXX. They stated that they were reviewing my XXXX XXXX 

Now that XXXX XXXX, back from XXXX in XX/XX/XXXX, I noticed that on my statements they never gave me the 6 % interest rate required by the XXXX XXXX. I called the company and was notified that they are still working on applying those benefits. The person who answered didnt know what I was talking about nor do they have a person knowledgeable about XXXX. 

Pictures show interest rate never changed. Statements in pictures are Before, during, and after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT is using COLOR OF LAW to furnish inaccurate information about me to consumer reporting agencies that they obtained from the XXXXXXXX XXXX ( the original creditor ) by way of Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) as the original creditor did not have lawful consent to disclose the consumers private nonpublic information to any third party as defined by 15 USC 6802 ( b ) ( 1 ) ( B ) & ( C ) of the GLBA.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately.

Account Name : XXXX XXXX XXXXXXXX Opened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a certified letter to XXXX, XXXX, and Equifax on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint has to do with XXXX XXXX XXXX,  who collected on a debt owed to XXXX XXXX XXXX. I got in contact with midland credit in XX/XX/2018 to discuss this matter and arrange a settlement and set up payment plans. A XXXX   XXXX  account manager XXXX XXXX agreed to the terms and told me that once the settlement was paid the account it would go to a XXXX  balance and be taken off my credit report. on XX/XX/2018 I made the last payment of XXXX which was the agreed last payment on the account. XXXX XXXX has not keep their end of the deal and the account is not only still on my credit but, refuses to send me in writing that the account is paid. Ive spoke with the account manager XXXX XXXX on numerous occasions and called the compliance office at XXXX ext XXXX and talked to XXXX XXXX who also refused to send me in writing the account is a XXXX balance and that it would come off my credit report. The date of the last payment was XX/XX/2018 it is now XX/XX/2018 and the account is still on my three credit reports and being verified as accurate with a remaining balance that I do not owe.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- - X XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX - - X XX/XX/XXXX Inquiry In Dispute XXXX XXXX - - XXXX XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX - - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - X XX/XX/XXXX Inquiry XXXX Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX X XX/XX/XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) - - X Negative Was CO days late 22 time ( s ).

KOHLS/CAPONE X Negative - X Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was CO days late 2 time ( s ). 

XXXX XXXX Negative - X Negative Was CO days late 23 time ( s ). Was CO days late 20 time ( s ). 
In Dispute XXXX XXXX XXXX ( Original Creditor : CREDIT XXXX BANK N.A. ) X Negative - X Negative Was CO days late 14 time has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to XXXX XXXX XXXX they are suppose to 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

: RE : # XXXX Purchased through my PayPal creidt card I purchased these tickets on XXXX XXXX, 2016 It will be 2 months on XXXX XXXX, That I have not received the goods paid for. 

I have contacted the vivid seats through email and they have stated, they do not have any information on when or if this magic men show is going to take place, I find this to be a fraudulent transaction as I have paid in advance close to XXXX for these tickets and I have not gotten what I 've paid for, I have escalated this claim and have been going in circles with vivid seats as well as paypal. and am totally satisfied with the service I have received on both side. Since paypal lis a master card, I am requesting a charge back for this purchase. and I am also going contact an attorney or even the consume affairs department to file a claim. I trust you can see my frustration with regards to this, I hope that you will resolve this matter and keep my business other wise I will go ahead and proceed with the consume affairs board. 
regards XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX paypal Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is being reported on me is false. I have tried contacting the comapies to gain more inforamtion about the accounts that were opened over the phone or online. I never opened the accounts listed
Product: Vehicle loan or lease

Ive paid almost XXXX dollars into the vehicle and they say I still owe XXXX on the vehicle the vehicle was only XXXX at the time of purchase the appraisal amount I was offered was XXXX. NOT TO MENTION REPLACES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX  The inquiry was not authorized I sent a letter the credit bureaus to do an investigation into my credit report to validate the accounts on my credit profile. I received a response stating that after the investigation that the accounts were all validated and updated. I viewed my updated report and even after their investigation there were still inaccuracies and inconsistencies on my report. 

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 that person knows or has reasonable cause the information is inaccurate.