23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

While recently reviewing my Transunion credit report, I noticed that there are some inaccuracies on my credit report that should be removed. I see that the accounts referenced in this complaint have late payments that are reporting negatively and are affecting my credit score. I have sent a debt validation letter to Transunion back in XXXX asking them to provide me with the proper documentation for the listed accounts because they are not my accounts and are the result of identity theft and fraud. They have yet to provide me with this requested information and have since updated the accounts on my report in 2 days as if the accounts are mine. Transunion has falsely updated the listed accounts with late payments that are hurting my credit when in fact the accounts are not my accounts. Transunion has failed to conduct the proper investigation on my dispute request therefore please remove the following accounts from my credit immediately : XXXX XXXX Acct # XXXX {$380.00} All three of these accounts are not my accounts but are reporting late payments on my credit. I am a victim of identity theft, and these accounts were opened fraudulently therefore they should be removed immediately.
Product: Debt collection

Hello, I opened a membership with XXXX XXXX XXXXXXXX of XXXX, in the XXXX TX, I used the facility once or twice and never returned. I continued to pay the membership until XXXX of XXXX, when I relocated to XXXX which is 50 miles away from their location. According to their contract, the membership can be canceled, if the member relocate 25 miles away from the gym. I mailed the cancellation form to the address stated on the agreement, however they did not cancel the membership. The account was sold to ALDOUS AND ASSOCIATES debt collection and in XX/XX/XXXX it was reported to XXXX which decreased my credit score by XXXX points. Ive disputed the debt with XXXX they did not remove it. The debt was reported a second time within the same year which resulted in another decreased of my credit score. On XX/XX/XXXX it was reported again as an opened account which resulted in another decreased of my credit score by XXXX points. The account should be canceled as requested back in XXXX of XXXX. The debt should be removed from XXXX immediately because ALDOUS AND ASSOCIATES, failed to include an account number with their reporting, they also violated the Fair Debt Collection Practices Act or the Fair Credit Reporting Act by reporting the debt multiple times and it should not be reported to any other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken the following steps : Between yesterday, XX/XX/XXXX and today, XX/XX/XXXX, I have spent over 2 1/2 hours on hold on three various telephone numbers ( XXXX. I held on for forty-five minutes yesterday ; XXXX I held on for one hour fifteen minutes today ; XXXX I held on for fifteen minutes today, only to have a recording tell me that he could not help me ) I then spent approximately one hour on the disputes website attempting to file a dispute, three times only to find that, after submitting, that the supporting documentation had to be a PDF file and I was timed out ( I was only online for approximately 5-10 minutes before being timed out ), I then converted my document to PDF and re-entered the website submitting the information all over again, and then received a flag that I was over the one thousand character limit, which had not been noted on the box provided for explanations and after 5 to 10 minutes editing the number of characters, I was timed out again. I attempted to resubmit a third time and I received a flag that I had exceeded the number of views for my report number and it would not allow me to go back online to submit a dispute. 

I have found Experian service to be highly unsatisfactory, disturbing, and non-consumer oriented. This is as professional opinion as I can render. The experience has been horrific to say the least. A company that deals with consumer credit like this should not be allowed to operate. I say this with a heavy heart and I do not say this lightly. 

The following is the information I am seeking to have corrected : I am writing to you with regards to report number : XXXX. 
Noted on page 23 of twenty-four of this report is : This address may be perceived as high risk since it is a nonresidential address : XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

My address is correct : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

However, there is no XXXX XXXX XXXX nor is it a commercial address. It is a residential address only. 

I conducted a web search for XXXX XXXX XXXX  and was unsuccessful in finding that particular company or any company associated with my address. I attempted to attach supporting documentation, however, as previously noted, I was timed out and ultimately locked out from the Experian dispute website. 

I am seeking to have the Notices section of the report and my credit information corrected to reflect it that it is a residential address. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to verify the legitimacy of the reported Bankruptcy XX/XX/2011 XXXX ID # XXXX. 

XXXX, XXXX and Equifax has repeatedly " verified '' this as accurate information. 

My question to XXXX, XXXX  and Equifax has always been : " Which original source of the information did they verify accuracy with ''? 
I know the clerks at the City of XXXX courts, who have told me that they don't speak to the credit bureaus at all. So who did they " Verify '' this with??? 

My XXXX XXXX report has a security freeze on it, so they couldn't have verified it with them, could they??? 

I am confused and genuinely feel like a victim of the big corporate society who is trying to keep the little guy down. Please help. I have no where else to turn.
Product: Credit card

Starting in XX/XX/2024 I paid {$75.00} a month to pay off an interest free purchase in the amount of {$1000.00}. I use a third party thru my XXXX XXXX pay my bills and on XXXX the {$75.00} payment was processed. On the XXXX of XXXX I received a text indicating my payment was late. Please note I also paid {$75.00} on XXXX so I do not know which month is in question. On XXXX I called Synchrony and spoke with a customer service rep. ( I was also told they were recording the call as it was an attempt to collect on a debt ), They indicated I paid the bill a day before the current statement closing date so the payment was applied to the month before as an extra payment. The rep agreed to remove the late fee 's and apply the {$75.00} to the correct month and I agreed as suggested to not pay the bill before the XXXX of each month which I have done. Upon reviewing my XXXX statement I was assessed a late fee of XXXX and my XXXX statement showed a late fee of {$35.00}. Synchrony refuses to remove the fee despite the payment was not late but paid before the current month closing date. I am XXXX and on XXXX and I try to pay my bills at the beginning of the month so I do not forget to pay my bills but also make sure I do not spend any of my check that is supposed to go for bills. I also checked your complaint data base and see where others have had similar issues and most were with consumers who could not pay there monthly bill during covid. 
I make sure I pay my bills every month and feel I am being taken advantage of as my payments were not late. I have attached supporting documents including their response. Please note the call I placed to Synchrony is highlighted. 
PLEASE NOTE : 2 months after I purchased the refrigerator Synchrony sent me a letter requesting I either accept paperless statements, pay a {$2.00}?? a month fee or they would cancel my card and I refused so they cancelled the card which I did not dispute expect that they claimed I closed the account which I contested with XXXX I believe.
Product: Checking or savings account

On XX/XX/XXXX I had a balance of $ XXXX.A check for {$32.00} was cashed causing an overdraft of - $ XXXX.My account was charged a {$36.00} overdraft fee causing a negative balance - $ XXXX.I called the bank and they refused to reverse it! The fee is 7 times more than the negative amount! On XX/XX/XXXX I had a balance of {$49.00} two checks came in one for {$30.00} and one for $ XXXX.The bank put the {$93.00} first and the {$30.00} second causing 2 overdraft fees for $ XXXX.If the put the {$30.00} first I would have only paid one fee! I admit I overlooked the first check.
Product: Debt collection

I had a agent call me from  Deville Asset Management t o tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Debt collection

This letter serves as a formal notice to cease and decist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that a consumer 's request to cease contact must be honered by the collection agency to avoid further violation of the FDCPA. Any additional communication that is beyond what is permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. 
This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It ha

s been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are i n VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

he issue is causing me significant XXXX XXXX XXXX, to the point where I'm XXXX XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Debt collection

I called to have debt Verified and they were unable to do so with providing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Navient of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!
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.

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 informationisinaccurate.K
Product: Debt collection

There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : WELLS FARGO CARD SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

I 'm currently refinancing my house from a 5-year ARM to a 15-year fixed conventional mortgage. I have applied to several mortgage lenders to compare rates. Capital One has offered the lowest price, but partly due to a limited time promotional offer of a {$1000.00} credit off closing costs, and this offer has been extended ( per email ). However, the lender has not documented it in the Loan Estimate which they provided on Monday XXXX XXXX based on an application I made on XXXX XXXX. I have twice requested that the lender add this promised non-specific lender credit to the Loan Estimate disclosure but they have refused, stating via email : " I had to get an exception for the extra {$1000.00} since it is no longer in effect so it will not show up on the Loan Estimate. I did get the approval though so it will show up on your new loan docs if you decide to go forward on the loan. " and when further pressed, the loan officer stated : " There would be a redisclosure document that you would receive once the loan is in process. I can not apply the approval until after we have started going forward. " This is quite frustrating because I 'm afraid that later they will not honor their commitment since it was not formally documented in the Loan Estimate disclosure. It appears that Capital One is trying to force me to agree to starting the home appraisal, with its {$450.00} non-refundable fee, to lock me in before officially documenting the lower final closing costs. This also inhibits me from shopping around for the best loan rates since their real/lower quote is lower than the one that they are willing to disclose and legally document.
Product: Credit reporting or other personal consumer reports

I've been out of the country since XXXX on work and then my XXXX XXXX  and I placed a active fraud alert with statement that I would not be in the country for 8 years and please do not extend any credit out in my name at all, I even locked my credit file so I knew I would be protected! I used work with the office of the consumer affairs with XXXX in XXXX for several years so I knew locking your credit file and personal statement and placing a XXXX  XXXX would 100 % stop anyone from using my credit. I guess not! I get an alert on my credit file saying ive unlocked my Experian file and there was several credit inquires from XXXX XXXX XXXX and XXXX XXXX in GA! I called XXXX XXXX XXXX within seconds and XXXX XXXX and told them it was fraud and please call the police please and then called Experian and talk to XXXX in the upper fraud department and she removed the inquires as fraud and placed a phone number on my credit file to let creditors know to call this number before moving forward with any credit. I feel Experian is using every option not help me due to mistakes they made. I hired private investigators to track down the vehicles that were bought under my name fraudulently and returned them to XXXX XXXX. Then Experian removed and Blocked the loans that were taken out fraudulently from XXXX XXXX XXXX off my trade line and a year later they were unblocked and placed back on my credit file. It's like they believe everything XXXX Told them and nothing I stated. I even showed XXXX XXXX XXXX and Experian I wasn't even in the country when the vehicles were bought. So how did I purchase several Vehicles with I wasn't there. Then the police asked the XXXX XXXX and XXXX XXXX at XXXX XXXX for the video footage from the signing of the docoments to purchase the vehicles and they said to the police they lost the footage! yeah right! They vehicles was sold again as they were never even sold under my name fraudulently. How is that possible! I thought they were repoed. They covered there tracks! Vehicles were never even titled in my name. Then I see more loans coming from XXXX XXXX XXXXXXXX and XXXX XXXX  and XXXX XXXX XXXXXXXX credit card and loans department. I contact them the same day and dealership and they said they would not fund the loan and thank you for calling us. well XXXX AND XXXX XXXX  did fund the loan and the person got the trucks. I disputed it back in XX/XX/XXXX and it was blocked and said it will never come back on my credit file. It did! several months later its back on there. Experian never backs the person they back the banks only with no proof at all from the banks but I've shown 100 % proof, I'm not even in the country to sign anything so how am I buying anything. I need help to remove these fraud accounts from XXXX XXXX XXXX, XXXX, XXXX, XXXX, NC Child support, Several collections and fraud address in XXXX NC and several in NC and SC. Next step in civil actions against Experian for allowing a credit reporting agencies to allowing a person to unfreeze and change username and passwords to buy and get credit under someones name fraudulently.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit income from my employer and any other incoming deposits. Capital One has cited technical issues, which violates the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I have been awaiting funds for over XXXX hours and currently still do not have access to the paycheck that my employer direct deposited on Wednesday, XX/XX/XXXX, 2025.This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you for your time!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 this account though your company claims to have verified this.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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, 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 creditor/CA 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. 

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