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

I have initiated several disputes since XX/XX/XXXX to the three credit bureaus regarding an alleged charged-off account on my credit report, original creditor XXXX 's XXXX XXXX furnished by XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XX/XX/XXXX and XX/XX/XXXX, per Section 609 ( a ) ( 1 ) ( A ) to have the alleged account verified. I was informed they had no documentation of the account. They then transferred me to XXXX XXXX XXXX  whom the alleged debt was sold too and collected on for reconciliation. On XX/XX/XXXX I spoke to XXXX ID XXXX whom stated the account was closed due to me filing an identity theft report back in XXXX. Their was no documentation that could be sent to verify the account, not even statements. I then reached out to XXXX XXXX XXXX  again on XX/XX/XXXX because the credit bureaus did not do a proper investigation into getting this account deleted. Instead, their are repeatedly updating the account monthly and stating the account was " verified ''. How is it being verified if the creditor ( s ) have no documentation to prove such account according to FCRA. I was NEVER sent any documentation over the past 6 years. I had no clue of XXXX XXXX XXXX. I spoke with 2 agents on XX/XX/XXXX XXXX ID XXXX and ID XXXX which both stated the account was PAYED IN FULL and the credit bureaus did not reach out to them regarding an investigation. They alliterated to me of account under fraud investigation due to me reporting identity theft years ago. I even offered to pay % 50 of the account due to them dropping my scores over 100 points since XX/XX/XXXX and they were unwilling to take payment due to the status of account. In conclusion, the bureaus did not do a proper investigation over the course of reconciliation.
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 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 take 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account # XXXX Account # XXXX  ( XXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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

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. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 am having an issue with my credit card company. The credit card is for XXXX XXXX and it is issued by Synchrony Bank. They have charged me with fraudulent charges that they have created. I discovered that I had lost my original credit card XXXX XXXX and reported it to them. They closed that card and issued me a new card. On XXXX XXXX, XXXX I looked online and saw that fraudulent charges had been made on the replacement card that was issued, but I never received. The new replacement card was stolen during the mailing process. I never received the card. There were XXXX charges made on the stolen card from spanning from XXXX XXXX, XXXX through XXXX XXXX, XXXX, totaling {$990.00}. There could not have been any other charges on the card after XXXX XXXX, XXXX as the card was cancelled. When they sent me a new replacement card for the stolen card they carried the total balance forward of {$990.00} and then they carried forward XXXX of the XXXX individual charges that made up the original amount of {$990.00}. They double billed me for XXXX of the XXXX fraudulent charges. From there, their accounting department has made so many mistakes that are very clearly showing on the bill statements. My bill grew from {$990.00} to {$1700.00} after the card was cancelled and a new card was issued due to their accounting mistakes. The fraud claim was approved and they are now billing me for charges that they created due to their own accounting errors, otherwise looked at by me as fraudulent charges that they, Synchrony Bank, have created on my account. I have a copy of every bill since this issue started, and they have admitted over and over again that they have made a mistake, and they tell me each time I have called that they will get it corrected. This has been going on since XXXX XXXX and they still do not have it corrected. I have documents stating that the fraud claim for the {$990.00} was approved, yet they continue to bill me {$720.00} plus interest on their own fraudulent charges that they have created with their accounting mistakes. My bill is now {$740.00}.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXX opened XX/XX/year> appearing on my credit report is inaccurate, unverifiable, or incomplete.

Background I submitted a dispute regarding this item to Transunion.

To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611.

- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report.

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind.

Demand for Resolution To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report.

You are required to respond to this letter within 15 days of receipt.

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.
Product: Credit card or prepaid card

On XX/XX/XXXX My credit builder card from chime was used to pay on a person 's bill with comcast.i called chime and informed them this charge wasnt me they then told me they canceled my card and open a dispute.after not hearing from chime i called comcast.they informed me chime withdrew the XXXX on XXXX second and provided me the confo id for the refund.i try to give cut to shirt and they just keep saying theres no refund but wont ask for the conformation # from XXXX proving they refunded my XXXX.
Product: Mortgage

I inquired with BB & T about forbearance on my VA backed mortgage, with the thought of keeping it as an option in case my financial situation took a downturn. I never actually accepted the forbearance, and never heard back from anybody after my initial contact. I found out my mortgage was put into forbearance without my knowledge when it was reported to the credit bureau and my score dropped XXXX points overnight, putting me in a very bad spot ( Im a XXXX Veteran and in the process of modifying my home to suit my XXXX ). Attempts to resolve the situation with BB & T have gotten me nowhere, with the only information given to me by a representative named XXXX, who informed me I needed to write them a letter XXXX but could not provide me an address to send the letter to ), and then wait 15-30 days for a response. She also told me that if it was reported to the credit bureau, it was by mistake as I have never missed a payment, but again offered me no options to remedy the situation. I was told supervisors do not take calls. In short, my mortgage is in forbearance and being reported as such, though Ive never missed a payment, and I have been given no options to remedy the situation or even to continue making payments ( I was told I cant make payments while in forbearance ). I need this resolved ASAP, as my physical well being depends on it.
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 : DEPTEDXXXX  Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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: Debt collection

This is in reference to complaint # XXXX XXXX XXXX has yet again sent this rogue bill yet to another collection agency this time to Diversified Consultants in XXXX, Fl this company sent a bill this time 1st bill I have ever gotten, it usually just pops up on my credit.. anyway, I called and spoke with them Monday XX/XX/XXXX around XXXX.. told this agency this is not my debt, he said there was n't anything he could do and that XXXX XXXX was going to continue to send this debt until its paid.. so I then hung up contact XXXX fraud department.. told them I had never gotten a bill from them and it 's not my debt.. the lady really did n't want to hear my story, told me she was sending me to the fraud department and speak to them.. I was transferred to an automated message to go online and file a fraud complaint.. when you go to the website it ask for your picture id and social security number.. why would I want to give you that kind of information if you claim to already have it on file?? I have asked them to send me signed documents where I signed for these services and I asked them to send me copies of proof of anything that I signed getting these services, I have told them that if they pull up XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX fire in the XXXX XXXX Commercial newspaper they will see I was interviewed by an reporter that I lost my apartment in a fire listed at XXXX XXXX XXXX and I also filed bankruptcy 2 months after the fire if this was debt I could have simply put in on my bankruptcy.. this is not my debt.. this is not BACK on my credit as of yet.. your agency helped get this removed in reference to complaint # XXXX.. please do not let these people put this back on my credit!! This is a complete nightmare!! I am in the process of looking to purchase a new home in about 6 months or so.. I do n't need this popping back up on my credit.. please help.. I have the email I sent of this conversation to XXXX XXXX if you would like for me to forward emails.. the emails state what I told you in this complaint
Product: Debt collection

Debt had been paid in full per agreement. I would like assistance with the debt collector updating credit report.
Product: Debt collection

The company keeps calling my cellphone at least oncea day, when I pick up the phone it goes straight to a dial tone it doesn'tring and noone on the line. I can't even tell them to stop calling, I also block the number and they keep calling from other numbers. I am on the do not call list and I do not owe this company anything and have never communicated with them.
Product: Credit card

PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over {$99.00} are advertised as 6 months no interest, no payments. Purchases under {$99.00} must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under {$99.00}, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over {$300.00} even during months when no new purchases were made.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX I emailed a letter to XXXX regarding the FRCA Section 609 ( a ) ( 1 ) ( A ) where Bureaus Investment Group Portfolio is required by federal law to provide - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - I was told that I should be receiving verifiable proof with in 7 business day. I have not received any physical proof that this debt belongs to me. 

I am demanding that Bureaus Investment Group Portfolio deletes any information currently being reported to the credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit on Friday XX/XX/, and noticed there were a few credit cards from XXXX XXXXXXXX with a {$3000.00}, a XXXX card with a balance of {$5000.00}, a loan from XXXX XXXX XXXX with the amount of XXXX, XXXX XXXX, XXXX XXXX XXXX with a balance of XXXX and a XXXX card with a balance of XXXX. The credit bureaus told me to get a police report, i submitted it before but nothing was removed or investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XXXX, Equifax and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!
Product: Bank account or service

I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL DATE ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 am contacting XXXX today because consumers can no longer purchase their credit score without being forced to sign up for Experian 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today (XX/XX/XXXX ), I see that XXXX of the XXXX credit agencies - Experian and XXXX - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a XXXX-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With XXXX at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>Experian, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an Experian representative when I called for assistance. I called back subsequently to lodge a complaint with Experian 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise Experian ( and to a slightly lesser extent, XXXX ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>XXXX XXXX.
Product: Credit reporting

I requested a " free '' credit report from a website recommended by my attorney for legal proceedings. I was never warned as I proceeded through the site to obtain my free report that this action would result in an unwanted " membership '' with Experian. Experian has been charging me {$19.00} a month for " credit monitoring '' to the credit card that I used to " verify '' my identity when I ordered the original " free '' report. Experian has agreed to cancel the membership but refuse to reverse the previous charges. 

It is evident that the free credit report website redirected me to Experian and somewhere in the background I unknowingly agreed to the membership. Most likely, this membership agreement was buried in the " terms of use ''. I am so angry because this is a company that is suppose to " protect consumers '' but are actually " stealing people 's money ''. Please do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Report : XXXX XXXX XXXX XXXX