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

On XX/XX/2021 i sent a letter regarding inaccurate, unauthorized, and things unknown on my credit report. It has been over 30 days and i have not received a response yet. I sent a second letter on XX/XX/2021 and still havent received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it s plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand the accounts be deleted immediately or i will file for litigation due to the stress you abused me. My information was impacted by Equifax data breach, and a XXXX XXXX data breach.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

OnXX/XX/XXXX I successfully had AXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account removed from my credit report. 

OnXX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As ofXX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XX/XX/XXXX. 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Checking or savings account

I opened a business account with Comerica bank. They requested my social security card. I explained to them I dont have my card in AZ XXXX from NJ this is a business account because of that they will not release my funds or close my account and send my money back to who issued the check
Product: Debt collection

I received a letter in the mail from RMP regarding a bill in the amount of XXXX. The account number is XXXX. Upon receiving the letter, I immediately logged in and paid XXXX, as this was from a doctor 's visit, and I had attempted to pay on their site, but they already moved it to a collection agency. The date of payment was XX/XX/2023 at XXXX. The system told me it could take a few days to fully post to the account. On XX/XX/2023, I logged in to check and make sure it posted. I noticed that my balance due dropped to XXXX. I hit the contact us to ask them about this, and they advised me to reach out via phone. I called them. The rep that I spoke with asked me if another person in their system was my husband. I said he was. They advised that they had several accounts for my husband with balances due and that my payment had been applied to his accounts. I told her I didn't know my husband had accounts with them. I also am not listed on those accounts, and I should not have to have my payment for my account applied to his accounts. I am not even listed as guarantor or have permission to speak on these accounts. She proceeded to give me the balances of these accounts. She also told me that she was submitting a request to have those payments that were applied to his accounts moved to mine to ensure it was paid in full. As of today, this still has not been completed. 
1. Why are they giving information on other accounts to a caller? How do they know I am in fact related to that person?

2. Why are they applying my payment to other accounts I am not even listed on?

3. When I login to the system, I only have 1 account listed in my name. I paid the entire balance that was listed on the bill for MY account.
Product: Debt collection

Hello. The problem I 'm experiencing is with Central Financial Control d.b.a. Syndicated Office Systems. I contacted C.F.C. and paid the debts that they showed ; however, XXXX is showing debts that S.O.S. has and they have not contacted me ; I 've called the phone number they have on available websites and they did not have those debts listed in their records for me to pay. I have no doubt that these are my debts, but I can not make a payment to/pay off a debt that I no one will give me any way to do so. I have noticed that there a quite a lot of people making complaints that they are having the same problem. I WANT to pay these debts! I want them removed from my credit report! But I can not do so if I have no way of contacting them. Thank you
Product: Credit reporting or other personal consumer reports

I NOW HAVE TWO ACCOUNTS SHOWING FROM XXXX XXXX NEVER DID BUSINESS WITH THEM IS FRAD. PLEASE ASSIST ME IN GETTING THESE ACCOUNTS REMOVED. XXXX. XXXX. FTC IS ATTACHED.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the XXXX police XXXX XXXX XXXX account in the amount of {$820.00} the account was closed and charged off on XX/XX/XXXX of XXXX. But reports late payments through XXXX which is incorrect and needs to be corrected to charge off status or removed. This is a definite violation of the FCRA and I have disputed multiple times. Why has this not been addressed?
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to get my car appraised and the guy ran my credit to al these creditiors after i respectfully asked him not to do such!!
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$24000.00}
Product: Debt collection

I'm not liable for the debt with XXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Product: Credit card

I am reaching out regarding interest charges applied to my account that I believe were incorrectly assessed by XXXX Synchrony. 

On XX/XX/year>, my outstanding balance was {$1400.00}, which was the final day for payment according to my statement. Unfortunately, I forgot to make the payment on time and was also unable to use my usual payment account. As a result, I paid the full balance on XX/XX/year>, just XXXX day late. 

When I received my next statement, I noticed that I was charged a {$27.00} late feewhich I understand, given the one-day delay. However, I was also charged {$31.00} in interest on XX/XX/year>, despite having paid my balance in full seven days earlier. 

Upon contacting customer support, I was informed that interest is charged if the balance is not paid in full by the due date. Additionally, I was charged a late fee on XX/XX/year>, which was technically the last day to make the payment according to the statement. 

I respectfully request a review of these charges. While I acknowledge the late fee due to the missed deadline, charging interest after the balance was fully paid seems unreasonable. I would appreciate any clarification on this policy, as companies should not apply interest retroactively on an already settled balance. 

Please let me know if this can be adjusted. I appreciate your time and assistance.
Product: Checking or savings account

I just called US Bank to close the XXXX XXXX XXXX XXXX account there ( XXXX ). It is a CD and does not mature until next yearit is a 3-year CD. 
I spoke with XXXX who told me there would be a penaltyI expected that. She said closing the account today the payout would be {$160000.00}. Todays balance on the account is {$160000.00}. Astounded, I asked her how she came up with that amountyou typically forfeit the interest on the account for an early withdrawal and the interest for ALL of last year was about {$160.00}. I asked her to provide me with documentation for how the penalty is calculated. She was gone for a long time. 
She came back and said she wasnt seeing anything and I would need to go in to a branch. I told her she had to have how the penalty is calculated in writing and she was going to have to show me that because Ive never heard of such a steep penalty. She said she had something to send me. I asked to speak to a supervisor. A few minutes went by and she came back and said she found it on the website. She directed me to USBank.com ; Personal ; CDs ; How CDs work. I read the applicable section on Early Withdrawal to her aloud : Early withdrawal : If you withdraw money before the CDs term ends, youll usually have to pay a penalty. This penalty varies, but you may have to give up some of your interest earnings sometimes as much as three or six months worth. 

Again, I reminded her that in ALL of last year we only made {$160.00} in interest. So how did we get to a penalty of over {$5000.00}? She said she puts in the information and it gives her the amount. I told XXXX that I need to speak with a supervisorshe said they were all in meetings, but will call me back. I told her I needed a call back-that I will not be reaching out to them again, but will go to the authorities. She said, Yes, maam. I asked if she had my number, long pause then she read an old home number to me. I gave her the XXXX Office phone number : ( XXXX ) XXX-XXXX. I asked who would be calling. She said XXXX. I asked her for her last name. She said it was XXXX. When I asked for her direct number she said she didnt have one. Her title is CSR Manager. She asked if there was a time she shouldnt callI told her no. Anytime was fine. 

I confirmed again the dollar amount of the proceeds {$160000.00} and asked for todays balance : {$160.00}, XXXX. I asked how much interest wed earned since the beginning of the term for the XXXX in XX/XX/2020. She said she couldnt tell me that. She only had last years interest. I thanked her and ended the call.
Product: Credit card or prepaid card

he following orders were fraudulently placed on my account. 

Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX While searching for another order this past summer, I stumbled upon an order for a XXXX XXXX that had been placed on my account, but with someone else 's credit card. The order had not yet shipped, so I canceled the order, changed my password and activated two-factor authentication. After keeping a close eye on my account for a few weeks, I didn't see any further orders, so I figured my actions secured my account. 

However, last month I noticed additional fraudulent orders for a number of XXXX XXXX. As you can see from the orders, they shipped to a commercial establishment in Delaware. When researching the company they shipped to, I found online reviews where other XXXX customers experienced the same fraud and had items shipped to this company in Delaware. Whoever placed the orders, must have immediately moved them into my " archived orders '', which prevented me from seeing them sooner. 

I'm still unsure how they were able to bypass the two-factor authentication that is on my account. XXXX odd thing I did notice is that a credit card was built into my account for an individual named XXXX XXXX. Even more odd, after doing a few searches online, it seems that XXXX XXXX is an engineer for XXXX. Could be a coincidence, but it seems odd. 

I've been a loyal customer with XXXX for over 20 years on this account, so I'm clearly not candidate to be running some sort of fraud scheme using this account. 

When I contacted Chase, they did 3 investigations and concluded one of the above transactions was fraud and the rest were valid. This makes absolutely no sense, since the transactions all entailed the same details. Through the course of 3 investigations, Chase never contacted me once to obtain my side of the story, nor have they provided many any documentation or evidence into their findings.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Reviewing my credit report showed accounts I didn't approve ; please act quickly to remove and block them.
Product: Money transfer, virtual currency, or money service

I received notification that my Cashapp account was closed on or about XX/XX/XXXX. I haven't had any response until XX/XX/XXXX that said my account was closed and they don't recognize my bank.
Product: Credit reporting or other personal consumer reports

I was denied access to a checking account with multiple financial institutions, due to the information they stated was on my consumer report with both XXXX XXXX  and early warning services. I have requested copies of my reports by mail and never received them.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, Hasnt being authorized by me and has to be removed. also this as well. thanks XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery continues to call after cease of communication notice and is making frequent and repeated calls in a harassing manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report on XX/XX/2022 that my score had decreased by a few points. On my report, it says that a new account with Capital One was opened on XX/XX/2022. The address in this account is : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance : 19 Payment Status : Current I do not recognize this address and I have not opened a new account with Capital One. I do not even live near the state listed on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seeing how TransUnion finds it fitting to respond with canned answers, and their response has nothing to go with my question, I will keep filing complaints until they actually respond. Here we go again. 

Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXXXX/XX/XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. In my complaint nowhere did I ask if XXXXXX/XX/XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. Yet TransUnion created a report, made that report public, where the report stated I was delinquent. Why?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 which states I have the right to privacy. 15usc 1681 section 604 section2 states a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666b a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. Dates as follows XX/XX/XXXX and XX/XX/XXXX reported as late for the amount of {$33.00}
Product: Mortgage

XXXX XXXX, the seller of property at XXXX XXXX XXXX, XXXX, CA, accepted an offer to sell her mobile home on land and opened escrow with XXXX XXXX. Since there was a mortgage on the home ( originally with XXXX XXXX and then sold to Chase Bank ) Escrow requested the pay off amount and a conditional lien release from Chase Bank on XXXX XXXX, 2016 per California Dept. of Housing & Community Development ( HCD ) requirements. 
Dozens of requests and phone calls later we still do not have the conditional lien release. Chase 's inability to provide a simple Conditional Lien Release is jeopardizing the seller 's ability to secure a permanent new home to live in ( she 's currently living with friends ) and the buyer 's desire to own this property. 
Our last contact at Chase Bank was XXXX XXXX, a Senior Service Rep Escalator at ( XXXX ) XXXX ext. XXXX. Chase Loan # XXXX.