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

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

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/2017 and a balance of {$390.00} This account is incorrectly being reported as a charged off account with a balance to {$0.00} or delete the negative payment status on this Account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of $ XXXX Original creditor is XXXXXXXX XXXX XXXX 

has violated my rights. 

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 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 the the information is inaccurate
Product: Credit reporting or other personal consumer reports

Upon reviewing the report, I discovered inaccuracies related to my Capital One credit card account. The inaccuracies are as follows : 1. Incorrect Last Payment History : The report states inaccurate last payment date and last reported date with XXXX, XXXX, XXXX which is incorrect. 
2. Incorrect Balance : The balance owed reflected on the report with XXXX, XXXX and XXXX as a balance owed. However, It inaccurately appears despite the balance being a debt transferred or sold. 

I would like to emphasize the importance of accurate credit reporting, as it directly impacts my financial reputation and eligibility for various financial services. The discrepancies in the report are not only misleading but also detrimental to my creditworthiness.
Product: Credit reporting or other personal consumer reports

Upon checking my clarity report I see a lot of things that are inaccurate / identity theft. I have tried to take care of this situation before with no success. I am asking for all this information that is highlighted or have something next to it to be removed. I only have one name, one address and two bank accounts. i am asking for compensation due to the problem the inaccurate information have cost me. I am asking for {$1500.00} for the damages due to the inaccuracy of my report.
Product: Checking or savings account

I received a letter in the mail with a bank statement from PNC Bank from the date of XXXX. I do not have a PNC bank account. The account balance for that XXXX count is XXXX.
Product: Credit card

I wish to file a complaint against Synchrony Bank regarding MyLowes Rewards credit card.

Recently Synchrony closed my Lowes account stating that the reason was dishonored payments. 
The initial payment in question was made on XX/XX/XXXX in the amount of {$150.00}. This payment was never taken from my account by Synchrony. When I received notification that my account was being closed as a result of this payment, I contacted my bank to get the reason why as my bank account balance was sufficient to make the payment. 
My bank informed me that the issue was on Synchronys end and the reason stated by my bank was an issue with Synchronys POS system.

I then called the billing area at Synchrony and relayed the information provided by my bank. Synchrony however would not reinstate my account and reported the account closed to the credit bureaus. 
I then made the {$150.00} payment over the phone with the associate. 
Since the payment issue was a direct result of Synchrony and its POS system, I feel closing my account to be unfair. 
My XXXX payment made online on XX/XX/XXXX, again was not taken from my account by Synchrony and once again I received notification of my account being past due. This time, I made an appointment with my bank and sat down with a personal banker who expressed that Synchrony did not try to take the payment. 
I phoned Synchronys billing area on XX/XX/XXXX. The first associate I spoke with said that the reason noted in Synchronys records for the payment not being withdrawn from my bank was that my bank account details were incorrect. This could not be further from the truth as my account details have not changed and there was no issue with my XXXX payment being withdrawn from my bank account. However, I provided the associate with my routing and account number for comparison to Synchronys records, and she asked me to hold on, and then she hung up the phone. 
Calling Synchronys billing area back after the associate hung up the phone, the second associate I spoke with on SXX/XX/XXXX ( XXXX XXXX advised me that Synchronys records indicated that I had put a stop payment on the payment. Again, this is not true. I never requested my bank to put a stop payment on my Lowes account. 
Further, how could one associate give the reason that my bank account details were incorrect and another associate within minutes of my initial phone call give the reason that there was a stop payment made on my end? 
Synchrony is for whatever reason targeting my account. I have a 100 % on-time payment record with all of my creditors and the credit bureaus. I wish to formally file a complaint against Synchrony Bank 's unethical business practices.
Product: Mortgage

I am currently in the process of selling my current home and I received a payoff amount that included an amount that was created by falsely doubling a partial claim that was filed with HUD. I had a partial claim registered for $ XXXX and that was registered. I am no Im the process of selling my home and the company is trying to say that I somehow owe them XXXX $ on top of my mortgage to pay them off. I have provided all documentation proving that they are trying to double the amount due and they are refusing to help assist regarding this matter.
Product: Mortgage

My homeowners insurance expired on XX/XX/2020. I received a notice from XXXX that my mortgagee failed to pay renewal premium in which I pay for monthly in my mortgage payment. The notice states that if I dont pay the past due balance I will lose coverage.
Product: Checking or savings account

Wells Fargo had charged staggering fees in all my checking and savings, loan accounts since XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Experian several times to make correction to what is reported on my credit history : 1. XXXX is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction.
2. Experian is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes.
Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.
Product: Checking or savings account

XX/XX/2021 Today is my 4th of day in a row having my EDD debit card declined at a merchant. 
Today my card was denied for XXXX at XXXX even though I used my PIN. 
This was the 4th day of embarrassment trying to use my EDD debit card. 

I had to be removed out of line and taken to pay for my transaction with cash. And Bank of America wonders why I am constantly trying to withdrawal cash. 

The card was blocked without any notice to me even though I am signed up the fraud protection where I should receive a notice of suspected fraud. 

Also attached is a notice that Bank of America is suspending wallet pay services but there is absolutely no mention of suspending the card use for XXXX. 

This is quite obviously Bank of America trying to freeze the account through other means.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please be advised, I have filed XXXX complaints against U.S AUTO FINANCE due to there being inconsistency with U.S AUTO FINANCE reporting incorrect information on my credit profile. U.S AUTO FINANCE is refusing to correct their incorrect inconsistency. 

1 ) U.S AUTO FINANCE is currently reporting on my credit reports that this account is " CLOSED '', which is correct and has been closed since XX/XX/2017. 

2 ) U.S AUTO FINANCE is currently reporting to my XXXX, XXXX credit report Payment Status : Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX, or XXXX and also states the account was late once but with XXXX is states the account has never been late which is true. this account has been settled and paid in full XX/XX/2017. 
Seems as though U.S AUTO FINANCE unsure as to what they want to document on my credit profile. 
I requested U.S AUTO FINANCE remove all " DEROGATORY, INCORRECT information from my credit report immediately. 
U.S AUTO FINANCE should not be reporting any incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an agreement with Wells Fargo that this was a pay for delete account. I paid in full after charge off but Wells Fargo failed to stick to their end of the bargain and did not delete this account as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX  {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) {$640.00} XXXX  XXXX  XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX  XXXX  {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with Experian, XXXX and XXXX  that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been  verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/2017 while XXXX  shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : Experian and XXXX $ XXXX/XXXX {$150.00} Status : Experian : 30 days late/XXXX ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting or other personal consumer reports

I CHECKED MY EQUIFAX CREDIT REPORT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY CREDIT REPORT I NEVER GAVE AN YONE PERMISSION TO RUN MY CREDIT THE UNAUHTORIZED FRAUDULENT INQUIRIES ARE 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: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 XXXX ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Checking or savings account

I would like to know why it takes a long period of time to receive and have access to a refund when you make a debit purchase from your checking account and get a refund. It seems that the bank keeps your transaction pending for a few days before you have access to the money thats been refunded. I made a purchase and the merchant mistakingly charged me twice. Its gon na take a few days before I can access the money, even though its been turned in. This doesnt seem right because when you make the purchase, the money is instantly removed from your account.
Product: Credit reporting or other personal consumer reports

I am requesting the temporary removal of the security freeze on my credit report to facilitate the processing of my loan application. The lender requires access to my credit history and financial standing to assess my eligibility and determine the terms of the loan. Please lift the freeze as soon as possible to prevent any delays in the application process.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, were Experian has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experian 's, in action violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : XX/XX/XXXX Bankruptcy XXXXXX/XX/XXXX ( 3 accounts XXXX XXXX XXXX (XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

The claims that XXXX XXXX has on me aren't valid. They have been charging me for months I was not on the premises. 
Below, see the attached document proof from other organizations that you can not only reach to validate but also confirmation from XXXX XXXX themselves that I left XX/XX/2023. 
They clearly messed out by removing me as a renter, and because of someone's screwup trying to have me pay what I don't owe, I'm not paying because it is not right, especially at these times. 

Flat Rate will show. i left XXXX will show what i rented with a friend, XXXX will show i lost my job during that time, so i had to leave. 
Proof of signed paperwork was something i did with them to get out of the lease break because of my job loss.
Product: Student loan

XXXX switched to a new company called XXXX XXXX. My original agreement with the university was to pay quarterly. However this company has decided to make me pay monthly my quarterly amount. I tried to do automatic payments, however they make me pay my quarterly amount monthly which makes it 3x the agreed amount. Additionally they charge large for almost all forms of payment ( including one time payment direct withdraw from checking account ).

They also keep charging me late fees due to their own internal error of not being able to do quarterly payments vs monthly / failing to properly adjust the amount and now they reported my account within 5 days of being past due, despite my payment being only 5 days late.

This has caused undue financial burden and harm to my credit score and well-being.
Product: Debt collection

I lost my wallet years ago and ever since I've had hardship in addition I am military I m trying to buy my first home and I am now more mindful of my credit
Product: Debt collection

An individual who had access to my identity used my information to sign a lease with a company operating under XXXX XXXX XXXX XXXX ' in XXXX , XXXX . This individual signed my name and used my contact and SSN to sign a lease which he ended up forfeiting and leaving. The lease began around the time of XX/XX/XXXX and was sent to collection around XX/XX/XXXX. The amount accumulated and sent to collection was around {$16000.00}. I began receiving phone calls last year and told the collection agency ( IQ Data International ) that they had the wrong information. When I looked into my credit, I found the exact details and filed a dispute to argue the charges. I was advised to file a report with the FTC and a police report. I sent a notarized affidavit of fraud and my report to the collection agency, but they did nothing to remove the negative account. They sent me a letter with a copy of the signed lease agreement ( which was signed fraudulently ). I had sent them proof of utility bills addressed to me which show a different address during the time that lease was in progress. Yet, they have not done anything and refuse to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX/XXXX, for a replacement credit card. Instead of issuing a replacement card, they ran a credit check without my permission and issued a new card thus reducing my credit score and ability to get credit at a lower rate. 

I have contacted all three credit agencies as well as XXXX/XXXX   and all involved gave me the run around several times, saying that they could do nothing and only the other company could fix it, while none of them did anything!
Product: Vehicle loan or lease

I received a call today in regard to being sued by Americredit. It was in regards to a reposession in XXXX. They did not clarify. However. That was many years ago and they said they can sue me for the total owed which according to them was {$10.00}, XXXX but they said they are asking for {$15000.00}. Also, they said they will serve me at work or home in regards to sueing me. They have left a message on my phone and I called. They have all my information including my social and my birth date. I do not have that money. However, I thought there was as statue of limitations on when a suit can be filed by the county. Please advise. Thank. you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX  ) is reporting an account that was paid off over a year ago. It updated information on my Equifax report as being late 119 days which isnt true. I paid in full the charge off account. I wasnt getting no statements from this company. They deleted the accounts off my XXXX  and XXXX. Why are they still reporting on my Equifax. Why was information changed XX/XX/XXXX if it was charged off XX/XX/XXXX and paid off XX/XX/XXXX. This account is ruining my credit score with Equifax. I want it deleted for false reporting.