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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I have an Amazon store card managed by synchrony bank and there is a charge of XXXX dollars on my credit card activity dated XX/XX/2022 and it states a balance transfer of XXXX dollars posted on my Amazon store card on XX/XX/2022 which I have NO idea where that charge came from and I never authorized that charge and I do NOT recognize that charge. Synchrony bank keeps playing with my amazon credit card account and keeps charging me money for no reason without my authorization. This is a fraudulent charge and I never purchased or authorized this charge of XXXXXXXX XXXX posted in my account on XX/XX/2022 as a balance transfer. I want synchrony bank to remove that charge immediately from my Amazon credit card account. This is an unrecognized and unauthorized charge
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) 5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from Transunion. Please delete the following accounts : XXXX XXXX account {$3200.00}, XXXX XXXX XXXX account {$1600.00}, XXXX {$11000.00}, XXXX AND {$1100.00} AND {$840.00}, XXXX {$760.00}, XXXX {$1400.00}, XXXX {$960.00}, XXXX {$1100.00}, XXXX {$600.00}, XXXX  XXXX XXXX {$790.00}, XXXX {$1600.00}, XXXX XXXX XXXX {$16000.00}, XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX {$60000.00}, XXXX {$12000.00} XXXX XXXX {$1700.00}, XXXX {$800.00}, XXXX {$1400.00}, XXXX {$520.00}, XXXX XXXX {$410.00} and collection item XXXX {$1200.00}
Product: Checking or savings account

I have filed a dispute with the bank regarding transactions I did not authorize and had nothing to do with wiping a large amount of money from my checking account. The bank has refused to credit me my money back which is highly damaging to my everyday life right now as well as my mental health
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts suddenly appearing on my credit report without any explanation. I routinely check my report, and this time, out of nowhere, I found these discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors persisted. Because of this, I request that the documents Ive submitted be thoroughly reviewed so I can finally put this concern to rest.
Product: Debt collection

This company calls multiple times with different numbers when I look up numbers its computer generated numbers. I said same thing about sending info to me its misleading with out proof. Company name is ARS
Product: Debt collection

I make this complaint against Credit Collections Services since a few days ago I checked my credit report and saw this account, they have never sent me a bill and never notified me of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that Equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/2018 and I received the same response. No proof, just a letter that stated as verified accurate. Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

After experiencing identity theft, I contacted, Experian via certified Mail, and identified fraudulent variations of my name, fraudulent addresses, fraudulent employers, and fraudulent accounts that were not initiated by me. The only correct version of my name is XXXX XXXX XXXX XXXX I requested all other variations of my name to be removed, however they still remain. The only accurate address is XXXX XXXX XXXX XXXX SC XXXX. I requested all other inaccurate addresses be deleted, however they still remain. The only correct phone number is XXXX. I requested all fraudulent phone numbers to be removed ; however, they all remain. I requested all employers be deleted, as they are inaccurate and yet they still remain. The following fraudulent accounts still remain XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing the FTC identity theft report on and other proof showing this information/these accounts are fraudulent and a result of identity theft, Experian has still refused to remove this information from my consumer report and has verified this information as accurate. Im confused as to how these accounts which are fraudulent were identified as accurate, especially as I was not provided with the investigation report, and yet a fraud alert was approved to be put on my account.
Product: Credit card

I closed my XXXX XXXX credit card on XXXX XXXX, 2016. The credit card charged an annual fee of {$95.00} on XXXX XXXX, 2016. I contacted Chase in XXXX, and again in XXXX and was told that the fees would be refunded in full within XXXX billing cycle. I called Chase again in XXXX XXXX, 2016 and was told that Chase had changed its policy as of XXXX XXXX, 2016 to honor refund for annual fees for cancellation within 30 days. I was told inconsistent information and was left without any refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXX ( XXXX ) [ 2 ] XXXX XXXX ( XXXX ) [ 3 ] XXXX XXXX ( XXXX ) [ 4 ] XXXX XXXX ( XXXX )
Product: Checking or savings account

My employer direct deposited {$1200.00} into a deposit acount with XXXX XXXX  XXXX XXXX ( routing and account number obtained through Activehours , Inc. Dba Earnin ). Earnin credited my account with {$210.00} labeled as the direct deposit from my employer and posted a XXXX adjustment. Historically there is a direct deposit wich is automatically transferred to my linked XXXX XXXX account. I have no money to cover automatic payments put of my XXXX  XXXX account for my utilities, communication bills, and rent. I have made several attempts to communicate with them through their online support chat by email and by phone. I sent a support message to evolve bank and trust as well as active hours inc ( earnin ). I have received no reply except for an automated message that says that they are aware of a delay in direct deposits because of an external vendor. There was no delay. The deposit was made this morning on time, but it was for an incorrect amount, much less than my payroll. I am incurring return. Check fees for all of my bills, which will financially cripple me this month.
Product: Mortgage

My home mortgage was transferred to XXXX XXXXLoanCare LLC from XXXX when XXXX filed for bankruptcy. I have lived in my home for almost 20 years and have had a late payment from time-to-time, but no major issues. 

The transfer process was confusing. I wasn't sure where to send my payments or even what I account number was. 

Once I found the information, I sent a payment on XXXX XXXX for {$610.00} via bill pay with my bank. The payment was returned on XXXX XXXX. I did not immediately notice that the payment was returned. I made another payment on XXXX XXXX for {$610.00} via bill pay with my bank. That payment was returned on XXXX XXXX. Again, I did not immediately notice the return in my account. 

I never received a phone call or email message from LoanCare. The first letter I received was mid-XXXX  when I was notified that I had missed 3 payments. 

Once I realized what had happened, I called LoanCare ( XXXX XXXX, I believe ) and paid over the phone. They only allowed me to make 2 payments ( I'm not sure why ). At that time, I found out my account number had changed. I suspect that is why my XXXX and XXXX payments have been returned. This payment cleared my bank account on XXXX XXXX. 

I tried to pay on LoanCare 's website to avoid all of this, but because my account is past due, I am unable to pay online. It seems like they are making it as hard as possible for me to make a payment. 

I updated the information with my online bill pay and paid XXXX, XXXX, and XXXX 's payments via online bill pay again : {$2000.00} on XXXX XXXX. LoanCare has not credited this payment to my account. I am working with my bank to obtain proof of payment ( which I should have early next week ). 

At this point, I can not pay over the phone because the {$2000.00} that I sent on XXXX XXXX is no longer in my account and I don't have the funds to make a payment today. 

The problem is that LoanCare has my status as 3 payments past due and they could begin foreclosure at any time. They said there's nothing more I can do until I submit proof of payment ( which I should have early next week ). When I asked the Collections Department if there was anything more I could do there was a long silence and then she asked, " Is there anything else I can help you with? '' I asked my question again she did the same thing. It felt very rude, and almost like she wasn't listening to me. 

You don't have to search the Internet very hard to find multiple complaints about LoanCare. My experiences so far ( from the start of my mortgage transfer until today ) match the other comments I'm seeing online.
Product: Credit card

My chase sapphire reserve comes with $ XXXX  Monthly XXXX credit. I used to make a purchase on XXXX {$49.00} XXXX XXXX on XX/XX/XXXX. XXXX delivered me completely wrong order, they sent be hamburgers from a different restaurant named XXXX XXXX. Chase declined my dispute because XXXX delivered me wrong order. They wont re-open dispute or allow me to use purchase protection for a purchase I never received! XXXX also not helping but did leave me a voicemail they delivered me wrong food and to call for a refund ( they wont refund even though voicemail said they would ).
Product: Mortgage

Call ed PNC office today regardin g an issue with them using my additional {$200.00} pmt for the principal and applying it to my automatic pmt of {$280.00}, resulting in an {$83.00} draft from my bank and no additional pmt on the principal. Found out that the last {$200.00} check that I sent for the  XXXX    XXXX   pmt did arrive at the right time, had the words " apply to principal '' on the check, but they decided to apply {$170.00} to the principal and {$23.00} to the interest for no apparent reason, totally disregarding my instructions. Was told that the checks are not processed by a person so that must mean a machine is determining to disregard the instructions and they are taking money that was designated for the principal and applying it for the interest, I assume, to accelerate their interest pmt and decrease my principal pmt. Had I not caught this, in 5 years, when the loan is due in full, I would have not owed the actual amount that I should have, had they applied the money correctly. I was then told to insure that they money is actually applied to the principal, that I have to go to a branch office and physically watch the loan office apply the amount correctly.   I can o nly imagine how many pe ople are being affected by this scam and have no idea that not all of their additional money is applied to the principal as instructed.
Product: Student loan

the account is closed I would like it removed from my credit report its reporting negative
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and explained the situation that someone has been attempting to purchase thing in my name. They reviewed and deleted some of the information but all the information on this ID theft report should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, Transunion, XXXX, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to XXXX XXXX as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with XXXX XXXX as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XXXX and XXXX timeframe which I can prove is in error ( See attached highlighted documents ). 
I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XX/XX/XXXX of each month, with that being said my payments were made within the limit of the following due date before the XX/XX/XXXX of the each of the reported late months as shown in the attached statements. Under the XXXX, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that XXXX XXXX is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX on the due date. My payments were made on the day before and before the XXXX window. 
Again, the reported late in XXXX and XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XXXX and XXXX which pushes me out to tolerated range of lender preference. 
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( Experian, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
Product: Credit reporting or other personal consumer reports

During a routine review of my credit reports from XXXX, Experian, and XXXX, I identified several discrepancies and inaccuracies that appear to violate the Fair Credit Reporting Act ( FCRA ). These errors have potentially damaging impacts on my credit score and financial opportunities. 

Discrepancies in Account Totals : I noticed that the total number of accounts reported varies significantly across the bureaus. XXXX reported 30 total accounts, Experian reported 27, and XXXX reported 18. These inconsistencies suggest a lack of adherence to the FCRA 's requirement for accuracy. 
Incorrect Reporting of Delinquencies : Experian 's report includes two delinquent accounts that are not listed on either the XXXX or XXXX reports. This issue was first noticed in my latest report dated XX/XX/2024. 
Variation in Derogatory Marks : There is a wide variation in the reporting of derogatory marks and collections among the credit bureaus, with XXXX listing 11 derogatory accounts and 2 collections, Experian listing 9 derogatory accounts and no collections, and XXXX listing only 2 derogatory accounts. 
Inconsistent Balances and Payments : The reported balances and monthly payments differ significantly across the credit bureaus, which could mislead potential creditors about my actual financial responsibilities and status. 
Variations in Credit Inquiries : The number of credit inquiries reported over the last XXXX years also significantly differs among the bureaus ( 10 by XXXX, 14 by Experian, and 3 by XXXX ). 
These issues were identified through personal document reviews and cross-referencing of reports from the three bureaus over the past few months. I have already initiated disputes with each of the credit reporting agencies but believe the systemic nature of these inaccuracies warrants a closer examination and regulatory intervention by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To whom it may concern : I would like to file a complaint against Equifax credit reporting agency. For years this credit reporting agency has intentionally continued to report inaccuracies to my credit file. 

Equifax has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my Equifax credit report. 
XXXX XXXX has claimed that Equifax has provided this information to them. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Equifax insists on maintaining onto my credit file. 

Equifax credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 
For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan. 

For many years now, Equifax has reported all sorts of fraudulent false status information regarding my XXXX XXXX. 

And for years whenever I have disputed the false, fraudulent information, between the Mortgage Company and Equifax, they have both done all sorts of deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Equifax is reporting is untrue false information ; I have had all sorts of issues with inaccuracies from them, as well as the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have been contacted several times by phone by Midland Funding to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.