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

On XX/XX/2022, I went to Sam 's Club in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The Sam 's Club 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank ( Synchrony Bank ) approved my credit limit of {$1000.00}. This credit represented a personal Sam 's Club credit card. This credit if for shopping in this store and Walmart only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in XXXX credit bureau because of this credit card application. I make a phone call to XXXX and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to Sam 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that Synchrony Bank is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call XXXX, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the Sam 's Club 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.
Product: Credit reporting or other personal consumer reports

I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for XXXX XXXX to close this account due to it being fraudulent identity theft account. Instead of closing the account XXXXXXXX XXXX used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights. 
I demand an immediate block of this account reporting.
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX XXXX Account number : XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX bank name : XXXX XXXX XXXX pulled my credit report which is showing a medical collection item listed for the amount of {$660.00} which does not belong to me. Tried to contact the medical provider no such address or phone # listed.

XXXX the merchant account # XXXX   which comes up as a fraud company.

Went on Equifax.com to dispute this entry. Turns out this medical collection item doesn't appear on my credit report so that I can submit a dispute.

XX/XX/XXXX Contacted Equifax at XXXX and spoke with a representative about disputing this medical collection item. He responded were not showing that you have any outstanding medical collections on your credit report. He provided me a confirmation # XXXX.

My question is how does the XXXX XXXX XXXX pull this credit report ( Equifax ) showing this medical collection and Equifax doesn't show this medical collection on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. This account has been disputed under identity theft which was reported to your CRA and the then creditor turned around and sold it to a collection firm. Please see attached documents provided by this collection firm. None of the signatures match my signature ( see also attached drivers License ). The account details are as follows : XXXX XXXX XXXX and Acct XXXX XXXXXXXX.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against RADIUSGLOBAL regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR Part 1006 ). Specifically, I believe the collection agency has not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), RADIUSGLOBAL has failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with RADIUSGLOBAL.

Use of Deceptive Practices : RADIUSGLOBAL has engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), RADIUSGLOBAL has unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to RADIUSGLOBAL. Therefore, I hereby revoke all rights of RADIUSGLOBAL to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from RADIUSGLOBAL : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

Purchase Agreement : Furnish a copy of the purchase agreement or contract between RADIUSGLOBAL and the original creditor demonstrating their legal authority to collect this debt. 

Proof of Licensing and Bonding : Provide documentation proving that RADIUSGLOBAL is licensed to collect debts in California and bonded as required by law. 

These actions by RADIUSGLOBAL have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with RADIUSGLOBAL. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure RADIUSGLOBAL complies with federal law. I also request that the collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.
Product: Credit card

Chase Freedom LLC XXXX XXXX XXXX XXXX XXXX XXXX 
company Is obligated to comply with 31 CFR 328.5 - Forms of endorsement for payment and exchange of a security arrived on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX chase has denied payment and kept security. 
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and opportunity to cure with new security in the value of {$800.00} was sent to XXXX XXXX XXXXXXXX and Chase Ceo/trustee. payment was ignored and kept. 
by the Federal Reserve Act, Section 29. Civil Money Penalty Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. today we reach the date XX/XX/XXXX and company has not complied with its obligation. 
I request that the company settle the amounts sent and adjust account accordingly.
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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX is reporting a debt collection on my consumers report as XXXX XXXX XXXX  written off / charge off ) according to FCRAs law i request 1099c or remove the inaccurate information from my consumer report under sec 15 usc 1681 s-2 and 15 usc 1681 eb
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX BANK XXXX, XXXX XXXX
Product: Student loan

There is a discrepancy in the number of qualifying payments for my loans. I spoke with XXXX ( XXXX ) from myfedloan on XX/XX/XXXX at XXXX who informed me that they are unable to confirm payments made with direct loans from the periods of XX/XX/XXXX through XX/XX/XXXX as well as from XX/XX/XXXX through XX/XX/XXXX because direct loans no longer exist. 

I have not been given credit for payments made when XXXX XXXX was my loan service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have mailed 3 certified letters to Experian, XXXX and XXXX to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.
Product: Payday loan, title loan, personal loan, or advance loan

I went to the Main Financial ( XXXX XXXX, IL XXXX ) about a personal loan. So, I had got a secured loan for {$8000.00} off of my SUV. So, I thought I was getting the secured loan for the value of my SUV. I signed the loan agreement electronically at their office on XX/XX/XXXX. I also still had a balance of {$10000.00} from my original lender XXXX XXXX XXXX. What I didn't realize that One Main Financial Manager and loan officer had paid off my {$10000.00} loan to XXXX XXXX XXXX without my permission on the same day I went there to cancel the loan. 
They made themselves the current lien holder of my SUV. Now I have a total of {$18000.00} as my new loan agreement with One Main for 4 years at 19.9 % interest and a monthly auto payment of {$560.00}. 
I went to the XXXX XXXX XXXX on XX/XX/XXXX to CANCEL THE LOAN AGREEMENT. One main has a 7-day cancellation policy once you return the money to them in their office. I gave them the {$8000.00} back to them in a cashier 's check. But the problem is that they paid XXXX XXXX XXXX that same day and before the cancellation period. I was there in the XXXX XXXX office my title to my SUV came in. They said that they would have NO PROBLEM in cancelling the loan agreement. 

But now that they have the title in the office now and they said that there was nothing that they could do. I said, what happened to the 7-day cancellation policy. 
I called talking with the Corporate Care Rep One Main financial on XX/XX/XXXX. I told her that I was doing a cancellation of my secured loan agreement. She said that she would have to talk to her department heads. After a couple of days went by she called me to tell me that they gave me a extension until XX/XX/XXXX to get this resolved I told her that gave back the loan money to the XXXX XXXX branch. On XX/XX/XXXX myself, The main financial corporate customer care rep and the U.S. Title Department ( XXXX XXXX XXXX XXXX ) We did a three-way call, XXXX  XXXX rep told main rep exactly what paperwork 's she needed to send the payoff refund return payoff back to one main financial. They could have asked for their payoff refund that same day XX/XX/XXXX but didn't. 

XXXX XXXX corporate rep said that she would have to get this authorized by the department heads. I feel she wasn't being honest with me. On XX/XX/XXXX she called me to say that they wouldn't help me and that XXXX XXXX has to send them back their payoff money of {$10000.00} first. And that the deadline to help me was still by XX/XX/XXXX. I went to the office to cancel the loan agreement. prior their 7-day cancellation policy. They wired the payoff money to XXXX  XXXX the same day ( XX/XX/XXXX ) And because I cancelled the loan agreement ahead that day. One main financial branch manager nor corporate customer care rep were honest in helping me with their limited time to get this resolved. 

THEY DID NOT HONOR THEIR 7 DAY CANCELLATION POLICY.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Nelnet , Inc. is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nelnet , Inc., the financial institution, and the Consumer Reporting Agencies XXXX, XXXX XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX, XXXX, and Nelnet , Inc., whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nelnet , Inc. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services. 

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Acct XXXX # XXXX has an incorrect amount on my credit report with XXXX and Experian. I have received a XXXX from XXXX and the amounts are different that's on my credit reports. The amounts on the credit reports are a lot higher than on the XXXX, making the amount owed higher than the actually are. The reports are suppose to be accurate and they are not. They were allegedly verified as accurate by both credit reporting bureaus.
Product: Prepaid card

XXXX XXXX ( available funds over XXXX ) has had a block for no reason. I worked for XXXX XXXX who has their own card with Netspend. I have emailed the requested information twice ( copies of drivers license, a bill and even my passport ). This is an ongoing issue. I have had this card for over 10 years. Can not access my funds ( withdraw or transfer money ). I have been attempting to correct this for 1 year. Since XX/XX/XXXX I have contacted them 4 times because I need my cash. I was told that my block has been removed ( once in the week ending XX/XX/XXXXXXXX  and the last time on the week ending XX/XX/XXXX. I called on XX/XX/XXXX and was on the phone for a total of 55 minutes. 37 minutes on hold for a supervisor. This is a common business practice. I had asked to speak with a supervisor to have an explanation of why my card was on hold, not able to access my funds and not able to transfer my funds to an active card ( a 2nd card with them and I am also a preferred customer through XXXX XXXX ). Also wanted to know why they would charge me {$5.00} plus to receive a check by mail when the problem is due to their error and administered by them. I was on hold for 30 plus minutes and the system decided to hang up on me. It is also important to note that I am aware of their business practices that generate additional income and this is one of them. If you generate the nationwide data for customers who have had their cards blocked and refunded the funds by check with a {$5.00} plus fee, the number would surprise You. But there is a great deal more. I have actually met customers ( XXXX ) who live in a home and where not able to access their funds and not able to get their funds by check because they did not have an approved address.
Product: Mortgage

I had a mortgage account with Roundpoint Mortgage services out of XXXX, NC. I had fallen behind on my mortgage payments up until about XXXX XXXX, 2016. At that time I paid my account up to date including all past due payments and late charges. However, the company still reported my account 90 days past due even though it was paid before the end of the month, the amount was about {$4500.00}. I have tried multiple times by contacting their customer service line to have the problem corrected. The customer service escalated the issue to another department, which I do not know the specific name of, which I was never actually allowed to speak directly with. I also disputed the issue through the credit bureaus. With the disputes I submitted copies of the mortgage statement that should the amount paid and the date. It also showed that no outstanding balance was due. I finally filed a complaint with the better business bureau. I received a call from the company and was told they would look into it and take care of it. After receiving the results they still refused to correct the information, stating that the reported XXXX late, not XXXX. All of these attempts have still not corrected this issue, which I have been attempting to fix for approximately 9 months.