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

I recently disputed the bankruptcy information reporting on my Equifax credit file with the credit bureau and they investigated the item and stated that it was accurately reporting according to their source which is XXXX. However, I recently challenged the accuracy of XXXX reporting of the bankruptcy and since they failed to investigate and validate the bankruptcy within the time parameters allowed by law, they removed the bankruptcy from my consumer file. Thus, if the bankruptcy information that was verified through XXXX is no longer being reported by XXXX then it should be immediately removed from my Equifax credit report. 

Additionally, I have disputed, numerous times, three inquiries that are reporting on my credit file erroneously. Equifax continues to state that inquiries are a matter of factual record but they failed, as required by law, to provide me with any information that verified that I actually gave verbal or written permission for these companies to obtain a copy of my credit report even when I informed Equifax that the pulling of my credit without my consent is fraudulent activity.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and Transunion reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything
Product: Debt collection

On XXXX I reached out to set up payments with Javitch Block. These were for a collection on unpaid private student loans. They not only refused to accept payments but they also denied that they were a debt collector and made the statement that they were a law firm. I understand that they are a division within a law firm that collects debt but they were deliberately misleading us in order to not abide by FDCPA. They were also incredibly rude. Using the phrase if I were you I would take the deal and asking me questions about my wifes job and income. In addition to this, the individual spoke over me and made condescending remarks throughout. I called to set up payments in an amount I knew I could make with missing them. It was not enough for them. In addition, they mentioned a court hearing which we have not received paper work for.
Product: Credit card

To Whom it may concern, I 'm submitting a complaint as American Express is using unfair and deceptive practices as it relates to the issuance of Medallion Qualification Miles ( " MQM '' ) SkyMiles on their Delta Reserve Card. American Express claims to give XXXX MQM SkyMiles at XXXX different spending levels on their Delta Reserve Card ; a benefit for which they charge {$450.00} a year. They claim to issue XXXX MQM SkyMiles once {$30000.00} of total spend is reached, and another XXXX MQM SkyMiles once another {$30000.00} is spent for a total spend of {$60000.00}. However, the " Total Spend '' section of their website, which is the only place to track total spend, is according to American Express, not accurate. In my case, I tracked my spending for the entire 2016 year in order to meet the {$60000.00} threshold, and reached {$60000.00} in " Total Spend '' according to their website. When no MQM SkyMiles were issued, I contacted American Express and was told that although the website showed over {$60000.00} in total spend, that the actual amount was approximately {$57000.00} as the website included the $ XXXX in interest that American Express charged me, and those interest charges were not considered part of the " Total Spend ''. The only place to track spending is under " Statements & Activity XXXX Year-End Summary '' and it is labeled " Total Spend '' with no other disclosures or stipulations to indicate otherwise. As American Express is representing this amount on their website as the total spend for the year without stating, even in fine print, otherwise, it should uphold its agreement to payout the XXXX MQM SkyMiles as stated.
Product: Credit card

I opened the account to get promotional financing on a piece of hardware. I set up auto pay to streamline the process. I logged into the account to pay off the balance so that I could request an increase for a different promotion, to take advantage of 0 % upon doing so I see that from opening until now I had received XXXX in charges under payment card security banner. I did not authorize this, and reached out to customer support to get this taken care of. Upon doing so I was not met with an explanation of what this XXXX be but was met with a flat statement : you must reach out to this phone number for all inquiries about payment card security. So the company decided to enroll me in a program I did not request, and applied a percentage of my monthly balance as a fee. I paid my account in full and closed it. My fees were small enough because I caught it when paying my full balance, and if a loss, not completely major as I was using it for music equipment. I fear for anyone who might be using this companys credit for survival and is not aware of the companys actions. It is predatory. Synchrony can not keep getting away with that. Im thankful I caught it when I did. I dont see any world where a promotional financing of about {$500.00} should get anyone a standard credit card rate with a monthly fee of a percentage of their balance without them wrapping that up into their advertised card rate. So for a promotional {$500.00} financing, aside from any interest accrued, I was charged nearly an extra {$100.00} over a years time. If I wouldnt have paid off early it would have continued over the life of my loan ( want to say the promotion was like XXXX financing at 0 % and I was still charged interest )
Product: Debt collection

On XX/XX/XXXX I was notified by the private monitoring company XXXX XXXX that a new collection had been placed in my name for {$1100.00}. This was the first I had heard of this debt. I filed a dispute immediately, because this debt was a utility from a city in which I did not reside and never had, The municipality of XXXX Indiana. For context, I live in XXXX and have since XXXX of XXXX. The debt collection agency, On Line Information Services, responded XXXX XX/XX/XXXX with a copy of the fraudulent utility, which indeed had my name on it. I did not physically receive this letter until XX/XX/XXXX. On XX/XX/XXXX I spoke with the collection agency over the phone, who informed me of next steps I should take to address the fraud. An attorney advised me on XX/XX/XXXX to file a complaint here, which I am doing now on the morning of XX/XX/XXXX. During the time this has occurred, my credit score has dropped from XXXX to XXXX, tarnishing an impeccable credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX A XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX,
Product: Student loan

I applied for Income Based Repayment with AES for the 8th year in a row, and they did not apply it to my account. They have now capitalized the interest and sent me a past due notice. They are doing this so they can capitalize the interest which was pending due to my IBR status, then they can charge more interest due to the increase in the principle. I applied for IBR well within the time frame to prevent the capitalization event. They are doing this to get around the IBR rules and is Fraud! They tried to do this last year and I corrected the error then, but this is a course of business and has happened to several of my friends. This needs to stop, and is contrary to the law!
Product: Credit card or prepaid card

Today XX/XX/XXXX Capital One decreased my credit limit from {$12000.00} to {$5000.00} without warning. I have a XXXX credit score, the account in question was originally established in XXXX, I have never missed a payment, PLUS I pay my entire balance every month. This decrease directly affects my credit score, and this isn't fair AT ALL!
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Equifax : Several problems. I have tried repeatedly to register online to request a freeze, but the servers are always down -- repeatedly, and for weeks at a time. I tried to call to place a freeze, but Equifax requires a cell phone to send me a text to verify my identity before I can even speak to an agent, but I don't have a cell phone. It also over my landline asks me to verify certain loan information -- and each time it says to say or press 5 if none of the above is correct, but it never acknowledges that I press 5 and say 5. So I sent my request for a freeze through the mail at the address its website says to mail my credit freeze request to Equifax Information Services LLC : XXXX XXXX XXXX, XXXX, GA XXXX, having printed the form and enclosed with it a copy, front and back, of my Washington driver XXXX license and a copy of my social security card. I have not received confirmation from Equifax, and I do not see in my credit.com account that a freeze has been placed with Equifax. Without ANY difficulty, I placed freezes with XXXX and XXXX, but placing a freeze or confirming that a freeze is in place with Equifax is impossible! I can't get through online, I can't get through by phone, and I don't know if I got through by mail. Impossible! My social security is available for sale because of the XXXX XXXX XXXX breach, yet I can't freeze my credit with Equifax even though I have tried internet, phone, and U.S. Mail.
Product: Mortgage

I sent a wire to completely pay off my morgage with Ocwen to their bank ( XXXX XXXX ) using the routing and account number they provided me in XXXX 2014. They stated that the name didnt match the account and XXXX XXXX refused to give me my money back and Ocwen has bullied and intimidated me ( an XXXX woman ) into continuing to make payments and refuses to apply the {$4300.00} to my mortgage balance. I am sick of being tortured and taken advantage of by Ocwen, they are truly an evil corportation that apaprently enjoys bullying and swindling XXXX women out of their money.
Product: Debt collection

Regarding XXXX XXXX charge. Was on XXXX and XXXX credit reports. ( I was never contacted by I C System, I found the charge on my credit reports ). I disputed the charge and it was removed from XXXX, but not XXXX. XXXX says it was verified. I had explained that I had not had a TV for several years, and only ordered one in XX/XX/year>. ( Sent order history from XXXX ). This charge was in XXXXXXXX XXXX XXXX. I did not even have a TV in XXXX XXXX XXXX, why would I order XXXX XXXX Even now I only use internet for TV, this charge is not mine.
Product: Credit card

I have already made a complaint and the company responded with how my payments were applied to my account. The matter was closed. The whole point is how they say my payments were applied and it does not match up to my statements and nobody looked at my uploaded statements before closing the matter. I provided more detailed information with my response to COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>
Product: Credit reporting

Since becoming an Equifax customer my score was about a XXXX at the start of the membership. There were many debts at that time, some were not valid, some were paid before going to collections. Oddly after removals of the inaccuracies my score dropped more and ore since becoming a customer. With improvement my score should stay unchanged. 
With the issues I had prior XXXX complaints as my score dropped at times by up to XXXX points. and right after the XXXX complaint closed they dropped again another XXXX points with no changes to my credit report that would justify the drops continually. Replies were not justifiable as at the start with many wrongful debts I had a very good score and today with removals and improvement my score has dropped too much. I gained new credit, reported as good credit, paid on time, paid typically the balance in full, and again they are dropping my score by about XXXX points each time they drop without justification. Common sense tells you that when you are a new customer with a score of XXXX with allot of wrongfulness, no good credit at the time, all wrongful removed, new good credit that today my score is a XXXX, so what does that tell you they have done immorally to my score.
Product: Checking or savings account

Problem : The Autopay feature set in my Wells Fargo ( WF ) checking account to pay the full balance of my WF XXXX XXXX ( XXXX  ) didn't work last month on XX/XX/XXXX and I noticed that the payment had not been done on XX/XX/XXXX then, I setup the full payment of {$4100.00} manually. Anyways, I was assessed a {$29.00} late fee plus {$98.00} in interests. See attached page 1 of the XXXX credit card statement of XX/XX/XXXX. 

I called WF Credit Card division at XXXX yesterday XX/XX/XXXX and I was told that they didn't have anything to do with the setup of Autopay, that that feature is setup by a third-party company called XXXX. I was promised a credit of {$29.00} and {$50.00} toward the {$98.00} in interests charged to my XXXX credit card. The credit card representative told me that I had to talk to XXXX Complaints Department to see what was the problem with the Autopay feature. Today XX/XX/XXXX I spoke to XXXX Complaints at XXXX but they refused to take responsibility and directed me to a WF Customer Service representative who recognized that there were some technical issues with XXXX last month but, since WF is not the one making the charges, they couldn't issue any additional credit. 

I have a demonstrable history all my credit cards balances being paid in full and on time every month. With the XXXX credit card, Autopay would transfer the full amount due on the due date from my checking account into the credit card account, the only payments setup manually were on XX/XX/XXXX after I noticed Autopay had failed in sending the payment and this month 's payment of {$3800.00} setup manually for today because I do not trust Autopay anymore. I'm telling you because the WF Customer Service representative suggested that I never had Autopay based on last month manually setup payment. I'm attaching a screenshot showing how Autopay was setup to issue a payment on XX/XX/XXXX, the due date. Today I removed the Autopay payment and I scheduled it manually for payment today. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

-15 USC 1681 Section 602 A. States I have a right to privacy.

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

-15 USC 1681c. A. 5.SECTION States no consumer reporting agency may 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 then 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: Checking or savings account

On XXXX, I received, in the mail, a paper account statement from TD Bank for an " TD Beyond Checking '' account. 
I did not open this account. I have never done any business with TD Bank. 
The account statement date range was : XX/XX/2022 to XX/XX/2022. 
The account beginning balance was {$0.00}, and ending balance was {$0.00}. 
On XXXX at XXXX, I called the TD Bank Fraud number ( XXXX ), and was told they would investigate and close the account. 
I haven't received any other correspondence from TD Bank about the account or welcoming me to the account.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Debt collection

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Debt collection

Synergetic Communications , Inc. Say that they are trying to collect on an account from XXXX. The last time I have had an account with XXXX  was almost 40 years ago.
Product: Checking or savings account

Opened my account with Truist bank in branch on XXXX XXXX and made a XXXX dollar deposit with a money order from the post office I bought. The next day the money order cleared so I XXXX payment to myself XXXX of those dollars to another account I bank at. This bank froze my account with my funds in it and wont tell me why, wont fix it and told me to call ews. They cant do this without notifying me first or telling me why. If they were going to deny my bank account they shouldve never taken my money. I wrote a check out of there to close my account. This is unacceptable treatment.