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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency didnt validate debt they bought. Several letters I sent to PRA with request to validate XXXX XXXX balance allegedly owned with no valid response from collectors. However, I have provided collector with check copy which show paid off balance for the debt they were trying to collect second time. Despite all my efforts to proof the debt was paid off, PRA sent note to XXXX with attempt to collect debt which was paid off 4 years ago
Product: Checking or savings account

I received a card mailer from U. S. Bank around XXXX XXXX XXXX, that to call and verify if I opened this checking acct. or not. I called XXXX on card and gave my name and reason for call, got treated like nothing, and was put on-hold without any further comment from person at that #.. I called listed fraud # XXXX, and was asked to give social sec. #, I didn't give it, and person at # didn't even ask for fraudulent acct. # ; immed. xfr 'd me to automated line to enter an extension #. And this is " theri '' fraud dept.?!
Product: Debt collection

I have a home equity loan with Citizens Bank. Acct # XXXX. I set it under an auto payment program with Citizens Bank. XX/XX/2022 I was hospitalized for a XXXX XXXX. Afterwards, I suffered a XXXX XXXX, I was sent to XXXX XXXX for about a month. While I was in the hospital, I suspended my bank account for security reasons. And it didn't occur to me it will affect this loan account. I had no idea the auto payment was stopped too. So there's no payment from XX/XX/XXXX to XX/XX/XXXX. I never received a notice from Citizens Bank until I got the XXXX XXXX notice. I immediately called the bank and paid the total due of {$7300.00}. Citizens Bank closed this account, and changed this account to a mortgage loan with higher interest rate. I asked them about why I never received any notice, and found out they got my address and email address wrong. I have no idea how my savings account works, but home loan account doesn't. I made no complaints and arranged auto payment for the new mortgage loan. Little did I know this caused me a big setback in my credit report. I am now into a serious problem with my credit scores. I disputed with XXXX XXXX and XXXX. No one will correct my scores.
Product: Credit reporting or other personal consumer reports

Late payments are illegal according to Usc 1681a ( 2 ) ( 1 ) under exclusions 15 usc code 1681a- Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of the title is mailed or delivered to the consumer not later than 21 days before the payment due date
Product: Credit card

Synchrony bank, the issuer of the Care Credit card, fraudulently, without my knowledge or consent, initiated chargeback disputes on transactions totaling {$21000.00}. Not only was this done without my knowledge, they did so at my protest. Also, as you can hear in the attached recording of my XX/XX/year> phone conversation with a representative from Synchrony, I explicitly advised them I did not initiate these chargeback disputes and the representative agreed to have them canceled. ( Note at the time of this phone conversation I was in New York State visiting family and New York is a one-party consent state. ) Further, I provided each of the merchants who's transactions were chargeback, with the attached letter, they could in turn provide to Synchrony ( and most did ), which explicitly states : 1. At no time have I ever requested or consented to the initiation of any chargeback or dispute of any transaction in which my Care Credit account had been used to tender payment to any merchant including the providers referenced above ( herein, the Providers ). 

2. Synchrony Bank initiated the current chargebacks disputes without my knowledge, request for, or consent. 

3. I have reviewed all transactions on my Care Credit account and can confirm with absolute certainty that the principle amounts of each transaction is correct and undisputed. ( This does not include fees and other costs assessed by and paid to the card issuer, Synchrony Bank ). 

4. I confirm that I am either in possession of and/ or benefited from the services and/ or goods rendered by the Providers in which my Care Credit account was used to tender payment for. 

5. I have no current or prior concerns regarding the quality of the goods and/or services obtained from each of the Providers, which could entitle me to initiate a billing dispute through my card issuer. 

6. If Synchrony Bank continues to pursue the chargeback disputes theyve initiated, they do so with out my cooperation or support.
Product: Credit card

I have XXXX credit limit I owed a XXXX the check was returned so instead of them removing the charge which they dnt charge for return checks they added it to my balance which made my account XXXX I called to ask why my card had a over the limit balance they said it was returned payment so o once I cleared off the XXXX balance it would fall off now Im stuck with charge of XXXX they claim I used XXXX last month but I never did because u cnt use whats not there and u cnt go over the limit which is XXXX they refusing to clear the charge and I wan na make a complaint im being charged incorrectly and they are damaging my credit score dramatically please help me I have been a loyal customer for over 2 yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

This is a follow up to my previous complaint with Money Network. They said they mailed a check for the remaining balance on my account ( XXXX ) on XX/XX/XXXX. It is XX/XX/XXXX and I have not received the check. This is the second time they have said they are sending me a check
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX  I went to deposit XXXX $ from my bank account into XXXX on my robinhood account and it said it would be available the XXXX on XXXX, I checked my bank account and noticed it was not taken from my account to I retried to deposit the XXXX $ into XXXX ( @ XXXX XXXX  XX/XX/XXXX ) from my debit card this time so it would be instant it worked instantly the second time but robinhood restricted my account so I cant use the money at all. Now it says wait till the XXXX of XXXX for review
Product: Credit reporting or other personal consumer reports

Hello in accordance to the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights per 15 USC 1681 to privacy and confidentiality, as well 15 USC 1681 b : Permissable purpose, 15 USC 1681 ( 5 ) Charge off violation. 
I have requested that XXXX, Experian and XXXX reinvestigate these accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) XXXX XXXX Acct # XXXX ( Reinserted onto credit file ) Yet they have stated that everything was accurate and complete. When it still reflects on my credit file the open date, date of last payment, date of last activity as well these account are reported as ( Chargeoff status ) And per FCRA a charge-off and charge-off should be accurately reported as such and all collections activity should cease once the account has been reported as a charge-off.

According to 15USC 1681 section 602 A : I have the right to privacy 15 USC 1681 section 604 A : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) : NO consumer reporting agency may make any consumer report containing 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 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Rushmore tried to sell our home on XXXX XXXX, 2015 and we were forced to file a bankruptcy to stop the sale. We have been trying to get help from them since the loan was transferred from XXXX XXXX XXXX to Rushmore. However, they will not open a review for assistance because they claim that they have reviewed us for assistance XXXX times already and they wo n't do it any more, but they have NEVER reviewed our loan for assistance. Unless they did it on their own. We are now in a situation where they are going to take our home away, even though we qualify for assistance through government programs. Our bankruptcy will time out at some point and Rushmore is unfairly trying to take our home away. Even if we did go through the process years ago, our finances have changed and we are in dire need of getting our loan back on track. Rushmore is not even allowing us to send in a package for assistance review because they say that our loan has been reviewed three times. We do n't think so. I am XXXX and my wife works, but does not make that much money to keep us from assistance. Please help us get into a negotiation with them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had problems with chase bank funds that were sent through XXXX. Funds could be not be recovered.
Product: Checking or savings account

On XX/XX/XXXX I initiated an ACH withdrawal from my ALLY bank savings account to my Chase checking account. The delivery date of the transfer was XX/XX/XXXX. On XX/XX/XXXX I received a notice from ALLY bank that they have suspended my transfer. Agents on the phone at ALLY bank are unable to help me complete the transfer and have told me the transfer was frozen due to insufficient funds which is clearly not true if you know how to read numbers.
Product: Checking or savings account

- XX/XX/2024 : After trying to log onto my Marcus by Goldman Sachs account, I find out that the account has been temporarily locked. I call customer service to unlock the account. I am told that they can not " authenticate '' my account because my phone number is not linked to my last name. Customer service representative says they would close my account and hangs up on me. I call again and this customer service representative tells me they would open a case and someone will call me within XXXX business days. 
- XX/XX/2024 : No one has called me, so I call them again. I am told that the case is still open and that there was nothing they could do. So I ask them to close the account because then the money would automatically be transferred to my checkings account on file. 
- XX/XX/2024 : I have not received a closure letter and the funds have not been transferred to my checkings account, so I call again. I am told that the previous customer service representative misinformed me about being able to close the account and that the case was still open. I am told that someone would call me. 
- XX/XX/2024 : I call again given that no one has reached out to me. I insist on speaking to someone who can offer me an alternative solution but am told that that is not possible because the customer service representative on the line can not " authenticate '' me. I am told that my case is still under review. 
- XX/XX/2024 : I call again and, once again, I am told that the case is under review and that someone would call me. I am asking to speak to someone who can offer me an alternative solution and has more details but my request is denied. 

I have been locked out of my account and unable to access my funds for a month now. I have provided the company different ways of verification, including name, date of birth, social security number, address, and secret password set up when I opened the account. I am told that the " authentication '' is unsuccessful because my phone number is linked to a different last name. This statement is incorrect as I have confirmed with my mobile provider that my phone number was correctly linked to my last name. 

I have approximately XXXX USD in this account that the company is preventing me from accessing without any legitimate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have new and updated information regarding XXXX failure to comply with federal law. 
I have requested on several occasions that XXXX and Transunion PROVIDE ME WITH ALL DOCUMENTS that were used during their reinvestigation. Pursuant to 15 USC 1681d ( b ) XXXX AND TRANSUNION SHALL PROVIDE ME WITH A COMPLETE AND ACCURATE DISCLOSURE OF THE NATURE AND SCOPE OF THE INVESTIGATION. This should have been delivered to me within five days of requesting. This is a violation. 
The only response I keep receiving is that they have verified with XXXX XXXX the alleged account belongs to myself the consumer. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) XXXX and Transunion assumed this vital role in assembling consumer credit and other information. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX and Transunion failed to exercise their grave responsibilities with fairness, impartiality, and respect for my right to privacy as a consumer.
Product: Credit card or prepaid card

I purchased a couple of chairs from camping World, they then sent me a XXXX  XXXX credit card through Comenity Bank that I did not apply for, and I do not want. I called and all I got was automated system and got to close it out but says they don't report it as customers request ... .and then finally I got to get to a representative and they're going to report unsolicited to the credit bureau in the meantime I'm in the process of doing a home equity loan and I surely hope this doesn't cause an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 

XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 

CREDIT COLLECTION SERVICE Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX  for several years and was only XXXX  within the last XXXX  months. It is impossible for me to have opened or managed these accounts during that time. 

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. 

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts. 
Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. 

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. 

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. 

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Reported XX/XX/2018 Amount : {$21.00} XXXX XXXX reported that my account was delinquent without notifying me of upcoming payment due date. I don't use that account for anything and only use of pride sharing like XXXX or XXXX but I have both of my bank accounts linked to to my XXXX for automatic deduction from my actual funds. I do not use the XXXX  XXXX account but I believe XXXX mistakenly deducted my XXXX  ride from the credit account this time. This was falsely reported and has now made me have a negative impact on my credit score. I will be submitting proof that all of ride sharing is deducted from my linked bank accounts to XXXX and NOT XXXX XXXX as well as proof of the erroneous charge to the XXXX XXXX. I am also attaching proof from my credit report of the delinquent notice issued. I have since paid the balance of the XXXX   XXXX but my credit score is still severely impacted.
Product: Debt collection

someone opened up a fraudulent credit card using my information and documents this account needs to be removed asap i have contacted the company regarding this account and notified them that it is fraudulent even sent them a copy of the police report and the identity theft affidavit and it still has not been removed from my credit file or from them trying to collect
Product: Debt collection

this is company is repoeting this debt on my credit this is the third collection company thats reporting. Also this is my second time writting the cfpb the last time i wrote you guys the debt was with another collection agency which agreed to remove the debt from my credit profile. They stop and removed it but now its with another company thats reporting again on my credit. The same original creditor which is XXXX but they just changed the amount. The first collection company reported {$860.00} NOW the new collection company is reporting {$890.00} I just want this removed for good.