23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased air conditioning from PC Richard last year through special financing, no interest for one year. The sales person did not inform me about deferred interest or special charges if I dont pay in full after a year. XX/XX/2020 my balance went up by close to {$700.00}. I realized this today while checking my credit history and saw that balance went up a lot. I had not been receiving any statements from them. I called Synchrony Finance today and they said that they cant do anything. I requested supervisor to raise a complaint and send me correspondence or give reference which she refused. I am having financial difficulties these days and I would really appreciate if you can help me with PC Richard and Synchrony finance. I have raised this with XXXX XXXX XXXX as well. Thank you
Product: Student loan

Asked Navient to accept the bankruptcy discharge since a federal appeals court ruled that private student loans aren't officially student loans as they don't use the XXXX and other criteria to get these loans. The loans at the time weren't used for educational purposes as were used them for personal expenses to travel and such. They said that they couldn't. Since then we have filled out a Navient form asking for dismissal of these as we were misinformed about these loans. Navient hasn't responded back about the form. Since then also they have called and informed my mom and sister about these loans being behind on payments. During XXXX call to my phone my XXXXXXXX XXXX XXXX XXXX that is XXXX XXXXXXXX answered my cell phone and they threatened that he would go to XXXX XXXX XXXX XXXX. He didn't know what was going on and they didn't verify if it was him or me as he has the same name as I do other than he has the XXXX on his name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint against XXXX for improper use of my credit. This cra is reporting a consumer transaction account violation of 15 U.S. Code 1666d which states that a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Company written off the debt as a profit loss/ charge but has not provided a XXXX to me to report on my taxes. 

Documents were requested but never provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX XXXX XXXX credit reports have a number of inquiries on them that are fraudulent and were not ordered by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Ive called to TD BANK my bank to resolve the {$3.00} ATM fees my bank TD BANK was charging on top of ATM {$3.00} fees I was charged my bank did not disclose those charges opening the account over 10 years ago in the phone calls a couple were refunded to my account but still keeps happening. Ive never been charged from my bank TD Bank for non TD Bank ATM fees this just started to happen this year.
Product: Debt collection

Received bill for medical services that had already been paid when services were rendered. When I contacted the facility where procedure was done, was told my account was paid and nothing outstanding. A radiology office claimed that I owed an additional fee for the service but the center that performed the procedure confirmed that their onsite doctors reading of the results is included in the price I had already paid with a credit card. Procedure is not covered by insurance so payment is due when service is performed. This Radiologist " billing department '' submitted to the wrong insurance company which denied payment as would be expected. Now charge has moved to a " collections agency '' and ultimately a threat to my credit. All phone numbers provided are automated attendants with no option for a live person. I have also received numerous phone calls referencing the outstanding balance, but it is always a robo-type voice leaving a message. Have read from others who have encountered similar situation and have ruined their ability to acquire credit even after paying off the debt. Worried that my credit card information or other personal information has been stolen without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a fraudulent collection account from XXXX XXXX XXXX with account number, XXXX opened on XX/XX/XXXX, and fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove from my credit report.
Product: Checking or savings account

I have another case open this is a add on to my current situation. I found out this past week that my account had been frozen since XXXX for somthing that happened in XXXX. They also breached the contract because i never recieved a email, call, or letter in the mail. They put my XXXX on hold for fraud, which i have all of the information of where each dollar has come from. They put it on hold for a {$1000.00} check. I have had this account since XXXX. Below is a photo of most of where my money came from. I believe this bank has put a hold on my account to help pay thier funds to the lawsuits that they are currently going through which is avaiable on the office of public affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

transunion is reporting a account that is not mine on my account. I filed a ftc identity theft report regarding this account. Its truly unfair and frustrating this happened to me : this reporting has truly affected my XXXX XXXX in detrimental ways. Ive been very XXXX use to my current finance inadequacy. This inaccurate reporting hinders me from finding a job, trying to rent a apartment or purchase a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Americollect on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.
Product: Mortgage

1 ) Do not frequently send out bill. 
2 ) Receive payment but do not cash it on time ( lie about the payment loss by mail ) in order to charge late fee. 
3 ) Rude customer services. 
4 ) Account receivable could not be coordinated ( charge XXXX payments in one month ).
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is holding me personally responsible for a balance that was connected to a corporation as I was one of the XXXX for. under the fair credit act this should not be connected with my personal credit as it was the responsibility and used by several other employees at the company. have reached out to them to remove from credit and have received no response or removal off of credit report.
Product: Debt collection

I have had a collections notice placed on my credit report by Franklin Collection Service Inc at the request of XXXX. Upon contacting Franklin to learn what the debt was, it was clear this was not my debt : different state, address, phone and email. There is no evidence I owe this debt. I was never contacted prior to being placed into collections. 
Franklin refused to remove the collections notice from my credit report and required I provide them with written evidence the debt isn't mine ( which is backwards, they should provide evidence the debt IS mine ). 

This account was opened while I : a ) had a fraud notice was on my credit file due to the XXXX  data breach b ) my credit was locked with all three credit bureaus c ) the account was opened using none of my personal information beyond my SSN I have attempted to contact XXXX  3 times today. I've waited on hold for over 60 minutes with their " Fraud Team '' and ultimately they just hung up on me without my call being answered. Other people at XXXX  just forward me to this " team '' who never picks up the phone. I see no way that I can resolve this without your help.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Credit reporting, credit repair services, or other personal consumer reports

I'm member of Experian who file disputes of potentially negative items still remaining on my credit report. That should have been remove several months ago. 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

These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is showing as delinquent when it shouldn't be showing as such. Please see attached. I have a letter from XXXX showing that this was an error on their end and this should be corrected. Letter attached. The tradeline reports no lates in 24 months so the 90 day late should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two Bankruptcies on my credit files in error. I have contacted XXXX, Experian and XXXX via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. XXXX has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.
Product: Debt collection

Continues to repeatedly call my job and upsetting my supervisors. my supervisors telling me to tell them to stop calling me at work because it is not my private phone line to handle personal business but they wont stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was an authorized user on 3 citi cards. I had called Citi and asked to be closed on all authorized users accounts I was on which was on my cousins. But I don't won't wan na be held accountable for the money he owes. 

If you guys can kindly close me out of all these 3 citi cards it would be greatly appreciated.
Product: Checking or savings account

I had monthly recurring ACH transaction on my checking account that I didnt notice until recently when I was doing my taxes. It went back to XX/XX/2022. I normally dont look at my checking because there arent many transactions. So my bank. US Bank would only refund this years transactions saying they are only responsible for 60 days. These transactions were XXXX per month so Im out over {$1000.00}. Im XXXX living on a fixed income so that loss really hurts. 
The company that was withdrawing was XXXX and the company behind that was XXXX XXXX, looks to be a XXXX company if you check their site on the web, all thru the XXXX XXXXXXXX XXXX. There was no notification of a new ACH when this was set up. So all a group has to do is get your account number from a used check, which is terrible. I hope you can help me get my money back.
Product: Checking or savings account

I used the online tool to deposit {$2500.00} as an initial deposit into my checking account I opened. The money has be transferred from my current checking account but Chase has not credited my account. They claim it takes 7 business days before they will release the hold on the funds. Since they pay no interest on their accounts, but they get to invest the funds this 7 day hold is excessive and allows Chase to effective steal money from customers.
Product: Credit reporting or other personal consumer reports

I am a victim of debt bondage, a form of XXXX XXXX where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of XXXX XXXX We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.
Product: Debt collection

XXXX is trying to get me to pay a hospital bill that has already been paid. I called and paid the hospital and they say i don't owe anything else but this debt collector is trying to make me pay.