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

To all parties involved I am submitting this complaint because the companies listed have failed to respond to my requests to address the inaccurate accounts on my report. The letter I sent them requested that they either validate these alleged accounts or remove them from my report. I sent this request out on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) states that these items must be removed if they fail to investigate and respond to me within 30 days. I requested these companies to validate the information on the report and they have failed to respond to my requests. Unfortunately were at 44 days with this dilemma and no response has been received from these companies. This information on my reports are invalid and is a form of defamation of character I can not acquire credit and this has caused significant hardship in my life. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Credit card or prepaid card

A transaction was done on XX/XX/22 with {$610.00} to XXXX XXXX. I later discovered that he was a fraudulent person. He was supposed to make some repairs on my house and never showed up to complete the work. I gave him until XXXX, and he has not contacted me or shown up. I submitted a dispute on XX/XX/22 with TD bank 's credit card service, and they stated it could take up to 90 days. On XX/XX/22, they sent a letter requesting information which I submitted on XX/XX/XXXX via fax. I received another notice in XXXX stating they were closing the dispute for lack of knowledge. I have been calling, and I am told someone will contact you. We are in XXXX, and the 90 days are officially over next week, and no response.
Product: Debt collection

Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an account through my former school, XXXX University, for a XXXX loan on my credit report. It was originally opened in XXXX XXXX, and the date of first delinquency was XX/XX/XXXX ( XXXX loans have a nine month grace period, nine months after XXXX XXXX, which was when the semester ended, is XXXX XXXX ). The loan was originally being serviced by XXXX, but the school recalled all accounts from XXXX and then began using XXXX for servicing. The original XXXX account has long been removed from my XXXX and XXXX reports, but is still present and reporting incorrect information on my Equifax report. In addition to this, the XXXX account is appearing on my Equifax report as well. So, I 'm being dinged twice by the same loan, and XXXX trade line with completely incorrect information. After being recalled and having XXXX changed to the servicer, the loan was included in my student loan consolidation in XX/XX/XXXX and is showing paid with a XXXX balance, and this appears on my Equifax report. In addition to that, under the XXXX account the same loan is showing up with a {$4000.00} balance, {$940.00} past due, a XX/XX/XXXX date of first delinquency, and is showing as a collection account. This is completely incorrect. XXXX no longer has collection authority over this account, and the account should be removed from my Equifax report. My Equifax score is around XXXX points lower than my other XXXX due to this account. I disputed the account with Equifax and it came back as verified, and I have found Equifax generally much less helpful than both XXXX and XXXX.
Product: Bank account or service

I have Bank of America as my bank I had deposited a check for {$1800.00} on XX/XX/XXXX they held the total amount until XX/XX/XXXX til XXXX to make sure the check was good the funds were released so I transferred {$1000.00} from savings to checking & paid some bills.My social security was deposited XX/XX/XXXX I paid my bills and withdrew XXXX on Sunday XXXX that was my first transaction.After I paid my bills from SS the check cleared Monday XX/XX/XXXX after transferring XXXX and paid some bills I check my account several times a day to track my balance I saw were my accounts went negative I immediately called the bank they said the check was fraudulent that they recovered {$870.00} now my account is severely overdrawn on savings & checking.They held the check for 5days to make sure it was good now they switched all the account transactions around saying it was released the same day as I deposited it that is not true.It was held 5 days so they can protect me from fraud and they did n't at all so instead of going after the company that frauded us they blame me and switched the account around.I have fraud protection now they do n't want to honor it the bank is committed fraud themselves now instead of BOA protecting me I have to pay all the fraud charges that are accruing every day! They failed to protect my account and me from fraud
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I keep getting bounced from department to department. I filled out all required forms and documentation and sent to NFCU, including their affidavit of forgery. I never had any products with NFCU yet nobody seems to be able to help. Every time I call they keep pulling up accounts that someone opened using my identity.
Product: Credit card

Synchrony Bank issued me a card with a credit limit of {$8000.00} in XXXX of XXXX. There was 12 months of 0 % APR and I made my payments every month. Then in XXXX of XXXX, they decide to reduce my available credit. This was upsetting because it hurt my credit score and I had never missed a payment. They then added a bunch of interest charges and fees to my account as if this was my fault. 

I have tried to contact them numerous times and can not get help from their XXXX and rude and unprofessional staff. I went to live chat, they said I have to call customer service. I call customer service, they tell me I have to be transferred to collections, collections tells me I have to speak to customer service. This went on for hours and nobody helped me. I told them over and over and over and over not to transfer me because they transferred me to them and they didn't care. They just repeated themselves over and over and over again. 

Why would you hire human beings to answer the phone if they aren't going to listen or speak to you?????? It is like talking to brick walls or lazier than brick walls and dumber than brick walls. I have been trying to give you money but you have made it impossible. 

My credit score has dropped XXXX points and I have never missed a payment on any account. Every single credit card I have has done what Synchrony has done. The only reason why I got a credit card was to help my credit. If making payments is only going to destroy my credit, then obviously I'm not going to make any payments. 

Why doesn't the CFPB do something about this because this shouldn't be legal and this is a systematic thing that they are doing. This will cause the entire system to crumble and fall apart. Are you trying to destroy and bankrupt the world????????? What is going on here?????????????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account XXXX XXXX XXXXXXXX, Account # xxxxx 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 In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit card or prepaid card

I returned a XXXX XXXX XXXX and XXXX XXXX to the best buy in XXXX pa to the store XXXX. It went to a closed account that was stolen, that 's why it was closed. When I received my statement it came through as a general purchase. It was then minuses off, and turned into a promotional purchase. THIS WAS TO BE A REFUND FOR {$720.00}, THE TOTAL AMOUNT OF THE RETURN. THEY PUT IT THROUGH AS A PURCHASE. THEY THREATENED ME TO KEEP PAYING FOR THE ITEM EACH MONTH OR THEY WOULD RUIN MY CREDIT. SO I HAVE CALLED COUNTLESS TIMES. I SPOKE WITH XXXX XXXX AT BEST BUY CORPORATE WHO SAID HE WOULD HELP ME, BUT THEN HE SAID IT DOES N'T CONCERN HIM IT IS CITIBANK THAT I NEED TO DEAL WITH. I HAVE BEEN CALLING ALMOST DAILY SINCE THIS HAS HAPPENED, BUT NO ONE WILL HELP ME. I FILED A POLICE REPORT AT BOTH THE XXXX POLICE DEPARTMENT AND THE XXXX XXXX POLICE DEPARTMENT. AT BOTH STATIONS THE OFFICERS WERE ABLE TO SEE THE ISSUE, AND I WAS TOLD I WAS RIGHT. XXXX XXXX EXECUTIVE RESPONSE UNIT XXXX WAS THE PERSON XXXX XXXX TOLD ME I NEEDED TO TALK TO. WHICH I DID. I FAXED AND MAILED MY PROOF INTO CITIBANK SEVERAL TIMES, BUT HIS RESPONSE IN A LETTER WAS HE WAS DONE WITH THE ISSUE AND I SHOULD KEEP PAYING. HE SENT IN HIS LETTER TO ME WRONG ACCOUNT NUMBERS AND BECAUSE HE SAW A MINUS ON MY STATEMENT HE FEELS I GOT MY MONEYBACK. BUT I HAVE XXXX CREDIT CARD ACCOUNTS WITH BEST BUY CITIBANK. HE COULD N'T EVEN GET THAT RIGHT. THE STATEMENT CLEARLY SHOWS THEY CHARGED ME IN THE PURCHASES COLUMN {$720.00} FOR A PURCHASE, AND THIS WAS CLEARLY A RETURN. I DO N'T FEEL I SHOULD CONTINUE TO PAY FOR ITEMS THAT I DO NOT HAVE. THEY WO N'T CREDIT ME FOR MY BALANCE THEY SAY I STILL OWE OF {$330.00} FOR MY RETURN SINCE THEY MADE ME PAY MONTHLY {$380.00} FOR ITEMS THAT WERE RETURNED TO THE XXXX XXXX AT THE XXXX BEST BUY ON XXXX XXXX, XXXX. I 'M PAYING FOR NOTHING BECAUSE BEST BUY HAS THE XXXX XXXX XXXX AND XXXX AND MY MONEY, AND THREATENS TO REPORT ME TO THE CREDIT AGENCIES IF I DO NOT CONTINUE PAYING ON IT. NO ONE WILL HELP ME!!!!
Product: Credit card

I received a notification from Chase that they are closing my 3 credit cards that I have and they service. I have never been late and my credit is flawless. I was informed that was being closed because of prior account being closed! That was over 10 years ago and now they want to close after all that time! Very inconvenient as I use the cards and the partners that they represent. It is hard to understand why now?? Why ever?? I am a good customer and pay my bills on time! This will also hurt my credit which is unacceptable to me! I am asking for your help in this situation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Student loan

I made XXXX additional payments to my loans held by Heartland ECSI and the loans were not correctly applied to the account in the way I had requested. {$200.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX. I noticed that my payment from XX/XX/XXXX was not properly allocated as I had request so I called in to have them fix the issue, I asked for any previous payments to be adjust as well because I had receipts showing that I had made payments that should have gone to the loan I requested the payment to go towards. They argued with me saying they could not fix their mistake from XX/XX/XXXX because it was not in the physical year, but I was persistent. However, after I reviewed the account to see if the payment had been adjusted, it showed that the payment had only been reversed meaning that they did not reapply the funds and instead are saying that the payment that I made for XX/XX/XXXX is the corrected XXXX payment and the payment I made in XXXX is now showing a reversal of the payment and now reflects a payment of {$0.00} for XXXX XXXXThis is just plain incompetent as it clearly shows the charges and the payments in the account. I have also been in contact with the " supervisor '' and they claim that they made the adjustment and they keep saying that they have made the adjustment, but now they are saying they haven't and I have been going back and forth with them about this for the past XXXX days and they keep hanging up on me, lying to me, ignoring my questions, skirting the issue, and gaslighting me, telling me to wait and that the account will reflect it in 24-48 hours, and then telling me it can actually take up to 3-5 business days. This unacceptable and unprofessional as the other XXXX adjustments for XX/XX/XXXX and XX/XX/XXXX were immediate. The emotional distress and psychological damage this company has caused me has caused me to become sick because of how inappropriate and illegal their practices. They are essentially holding the additional {$200.00} from my XXXX payment XXXX and are refusing to allow me to pay off my loan. I would have saved interest and time and would owe less than I do now if they had made the payment as I instructed from the beginning. I owe roughly {$71.00} left on this loan and want to be done with this company as soon as possible, but their practices are making it almost impossible to complete my goal. I feel so XXXX  because of these predatory practices and misinformation and psychological warfare they are trying to use on me in order to get me emotionally riled up and upset. This company makes me physically ill.
Product: Student loan

I would like to have my loan dismissed. My previous school XXXX I attended before returning to school for a XXXX degree is no longer open and I should not have to continue making payments. These payments were consolidated into XXXX loan along with my schooling for XXXX. I believe this loan should be dismissed all together or forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of property that was managed by XXXX XXXX XXXX XXXX at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX IN. I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXXXXXX XXXX XXXX  and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EQUIFAX credit reporting agency. EQUIFAX has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.
Product: Checking or savings account

Currently my bank has been holding every check I deposit for 5 days regardless of the amount. I have banked with them for over 30 years and have not had this problem until recently. When I called to discuss, they claim it is the Federal Reserve who tells them to hold checks and not on their end. I find this a bit excessive.
Product: Checking or savings account

I had about {$280.00} in my account. I wanted to check my account as I just got paid. I then noticed my account has been locked. I have no access to my account in any way. I have tried to contact the bank with no luck the phone stays on hold for hours. XXXX XXXX  is the day I tried to contact the bank. XXXX XXXX is the last deposit that had went into the account. Almost {$800.00}.
Product: Debt collection

This company has added their information to my credit report and I in fact had NO DEALINGS or NO CONTRACT signed with this company. Please remove from my credit report now or I will be forced to take legal matters! Please remove from my credit report NOW!!!
Product: Credit reporting or other personal consumer reports

My mortgage holder, XXXX XXXX Mortgage, had a security breach and made my information vulnerable. They are supposed to provide me two years of identity protection from XXXX, a TransUnion affiliate. I filled out the information online with the activation code I got from XXXX XXXX. TransUnion said they couldn't verify my account and I had to call. I am living in XXXX for the next two years. Calling is hard because I have to call from computer and there is a 14 hour time difference. After holding for over 20 minutes, an agent from XXXX said my account was now unlocked. Later that day I tried to login and the website said my account is still locked and I needed to call again. I called again today. I was on hold for two hours. The agent sent me a temporary password and had me login into my account. After using the temporary password, I was able to set a new password. However, the website again told the account remained locked. The XXXX agent tried to reset it multiple times, but the emails she sent no longer contained a new temporary password. The account remained locked. The agent did not know what to do. I contacted XXXX XXXX and they were supposed to send me a new activation code. I have heard from neither XXXXTransUnion or XXXX XXXX. I contacted both companies on social media, but I have not been able to connect to anyone that can help. This is supposed to be a benefit to me because XXXX XXXX put me at risk. However, it has taken hours of my time to try and get a working account. Both companies seem to have just abandoned me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Attn : Consumer Relations XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX RE : Account Abuse ; UNPAID in the amount of {$330.00} reported by Bank of America on XX/XX/XXXX ( RTN : XXXX # : XXXX ) To Whom It May Concern : This letter is regarding reference number : Above reference ACCOUNT ABUSE/UNPAID ACCOUNT under my name, social security number and Georgia Drivers License Number. This is a formal letter that your claim is disputed. 
This account was PAID IN FULL on XX/XX/XXXX. I have accompanied a copy of that payment to Bank of America ; Therefore, I am requesting the immediate removal from your records. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations ( 15 USC 169e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX or XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX DL : XXXX GA Page 2 of 2 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer
Product: Debt collection

XXXX XXXX  is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.
Product: Student loan

I received a payment past due bill on XX/XX/year> for the amount of {$150.00} when I previously paid for the month of XXXX in XXXX. The XXXX XXXX loans are under XXXX XXXX account number is XXXX. I have called them over 10 times trying to speak to a customer service representative in regards to this incorrect billing issue however they hang up on my every single time. There is no way to get any assistance with this company and it is extremely frustrating. I am very upset and frustrated that I can't even get someone to help me with this issue.