23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.
Product: Credit card

Hi, I got scammed by a XXXX XXXX through email. She was selling a XXXX dollar vehicle that I intend to buy. She told me to send XXXX dollars via XXXX XXXX gift cards and later another XXXX  for insurance. I paid a total of XXXX without getting any vehicle.
Product: Checking or savings account

I would like the remaining funds inside my closed chime account mailed to me by check to the following address : XXXX XXXX XXXX XXXX XXXX Sc XXXX I have over {$1000.00} remaining funds inside my chime account I would like these funds 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a 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

The Fair Credit Reporting Act protects me from companys reporting negative information. 15 U.S.C. Code 1681 protects me for accuracy and fairness of credit reporting. 
On the XXXX of every month XXXX XXXXXXXX XXXX  received a payment from me but has failed numerous times to update my account with no current update after contacting them to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, my husband was in a car accident that totaled a vehicle we were leasing. 

Our deductible was paid. Our insurance company paid the financing company in full as GAAP protection was in effect. We have documentation that insurance paid Ally Financial in full. 

Soon after, I suffered a severe credit score drop and investigated. I found that Ally Bank has my account showing as a charge off. This was not a charge off but an insurable event in which the company was paid. 

I formally initiated a dispute through the credit reporting companies on XX/XX/XXXX after a phone call to the company. On XX/XX/XXXX, I found that they added a remark but did not take off that it was a charge off. I reinitiated the dispute on XX/XX/XXXX ; I received a letter today, dated XX/XX/XXXX that they found no issue and will not be making changes. 

You can tell on the credit reports that the account was current and we paid all invoices that we received. Somebody in their office clearly is confused on what a charge off is and are refusing to resolve this.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/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: Credit card or prepaid card

Store purchase of {$28.00} paid in full, but credit card company assessed total of {$63.00} for late fees and finance charges, their letter dated XX/XX/2020. My letter dated XX/XX/XXXX attached bank statement showing charge of {$28.00} paid, copy of check mailed and dated XX/XX/2020, all payments made and sent on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple credit disputes to trans union, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) budget used car sales ( someone stole the car ) And XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I logged into my Chase Bank account and found that my address was changed without my consent for my entire Chase account, including two credit cards and an auto loan. I changed my address in the system back to my current address, and I called Chase Bank to try collecting information about how this could have happened.

The co-borrower on the car updated his address on his account, and Chase 's system changed my account as well across my whole profile without contacting me or informing me. I found out on my own, then saw a new address that I have never even been to added to my credit reports through XXXX and XXXX. I have had to dispute through XXXX and XXXX separately. The co-borrower for my auto loan is NOT an approved user for either of my credit cards.

While on the phone with Chase representatives on XX/XX/XXXX, I was told I should have received a letter physically mailed to my " old '' address to inform me of the address change when it originally occurred. I did not receive this. They said I should receive a letter confirming the update back to my actual address as well within 10 - 12 days. I never received that either. I have received other mail from Chase since then, including a replacement credit card for one of my accounts, but I never received the documentation that they stated they were required to send when an account 's address is changed.
Product: Mortgage

The Money Source sold my brand new refinance loan within days of its closing and did not notify me in any way, and still has the loan open and is asking for payment.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a benefit request with account assure which protects my victoria secrets accounts, account assure paid benefits to both of my accounts. I found out that on XX/XX/XXXX Victoria secret merged the balances of both accounts to one account. My benefits were both approved by account assure creating a XXXX credit on the closed account. I called into Victoria secret to get the credit moved over to the current account, so that would reduce the amount I owe since my XXXX was covered for all charges XX/XX/XXXX and before. I was told a dispute was filed and I would receive a provisional credit on XX/XX/XXXX. I have contacted Victoria secret and comenity and have no luck getting any information. When I logged into my account to check status I see my balance due has double and a balance transfer was completed XX/XX/XXXXfor XXXX the amount that Was a paid benefit from account assure is actually showing as a charge I owe. I have contacted Victoria secret XX/XX/XXXX and XX/XX/XXXX and no on has an answer so now my account balance is over XXXX dollars more than it should be as well as its been reporting horribly to my credit report. I have never had so many issues with a company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XX/XX/XXXXXXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I got a call from a bill collector stating I owe money and will need to pay or will be going to court to be sued. XXXX XXXX XXXX was his name as he stated. He was working for XXXX XXXX XXXX XXXX. Was calling about a Car that I co-signed for and needed to pay the difference which was XXXX. I was in shocked since I have not received any paper work on this. This car was repoed about 5 years ago. I'm guessing due to it was not in my possession. He then said I was being recorded and that I was be summon over the Phone. I'm in a Wow now. He new all my personal info also. then he said he can see if I could do a 10 % pay off and that everything else will be a tax write off. That 10 % pay off would have been {$1300.00}. So I did some research and was not sure if this was true or not. They called again today and I said I am reporting this to Consumer finance.gov will see what happens. The phone # is XXXX
Product: Debt collection

I am trying to contact TSI to discuss my bill and nobody answers the phone and the answering machine is full so I am unable to talk to anyone to resolve my issues. There was a misunderstanding and I am not able to talk to anyone to resolve this issue. Because of this I am afraid this will negatively affect my credit rating. As soon as I received the bills from TSI I paid immediately and I am requesting they do n't submit this late payment to the credit bureaus. My payment was no more than 31-60 days late.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting the assignment contract and a wet signature for debt validation Certified mail, and after more than 30 days, I was ignored. According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permission.XXXX XXXX XXXX DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA. Our personal information isn't supposed to be shared by a third party. by law No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies. According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Please remove this inaccurate information from ALL THREE Credit reporting agencies.
Product: Debt collection

I was delivered a fake civil case file for money owed to Doctors. The information on the page did not have a case number or a Judge stamp. It was simply filed and delivered to my home on a Sunday by a message delivery person, not a sheriff or signature needing person. While it states it is from the Civil court its signature is from the collection attorney. This is the Second notification threat that we have received on bills that we are paying on. One of the bills has verbally been requested to be verified and they have failed to send that verification.
Product: Credit card or prepaid card

An inquiry for Synchrony XXXX is showing on my credit report. I disputed the inquiry and requested they remove it. They wrote back that the information from the application matches the credit bureau they will not remove it. They provided a telephone number of XXXX to call if I had questions. On XX/XX/22 at XXXX I spoke with XXXX at that number. I provided my social security number and she was unable to locate ANY information. 

I am requesting that Synchorny XXXX remove this inquiry from my credit report
Product: Money transfer, virtual currency, or money service

I use the CashApp borrow feature often, one time I had an issue where I borrowed {$50.00}, and never received it. Somehow the money reflected in my account, but I never actually received it. I normally deposit to a debit card but I added a bank account instead, and when I withdrew, the money never went into my account, it stayed negative. I contacted customer service through chat, I was disconnected mid conversation and said they were closed?! So I started a new chat and was immediately out with someone else, they were not closed its 24/7 customer service?! I was disconnected mid conversation a second time. I called customer service where I was also hung up on! I understand why, I sent screenshots of my bank statement, and the {$50.00} showed in my statements, but I never actually received the money, my account stayed negative for 2 weeks before I realized I was screwed. I ended up having to pay back the {$50.00} I never got
Product: Credit card or prepaid card

Wells Fargo Bank is in the habit of refusing to acknowledging that I made an accurate transaction ; thereby refusing to award me its reward of 2 % back on purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft, somebody used my personal information.
Product: Credit card or prepaid card

I have a CapitalOne Savor credit card that carries an annual fee. When I signed up for this card, I was assured that I could downgrade it later on to the no-fee SavorOne card. Today CapitalOne denied me this and I will not be renewing the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/year> I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) exclusions.

According to this provision, certain information is not to be included in consumer reports.

15 USC 1681a is a law that defines the term " consumer report '' and its exclusions. The term " consumer report '' does not include : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have recently reviewed my credit report provided by your agency and have found that there are inaccuracies and violations of these exclusions. You are reporting XXXX late payments which are experiences between the consumer and the person making the report. 

I am formally requesting that you take immediate action to correct these violations and remove the information from my credit report. I also request that you provide me with a revised copy of my credit report once these corrections have been made. 

Failure to comply with this request may result in further legal action being taken against your agency for non-compliance with federal law. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I currently was helping my daughter, who lost her job to the Pandemic, pay her car loan ( I had co-signed ) I have a Discover card, they lowered my credit limit due to the car loan. We had been late a few times but have caught up and now only have 5 payments left I am in the closing part if a refinance when Discover Card lowered my credit limit even though Ive never missed a payment to them Even through the pandemic How do I get my credit fixed due to Discover card They are the only card causing a problem
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Transunion ) XXXX XXXX XXXXXXXX XX/XX/2024 ( XXXX ) XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  Please remove these inquiries from my credit report. These inquiries are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX for XXXX a month and bill from Equitable Acceptance for XXXX and XXXX a month in XXXX of XXXX. I checked today XX/XX/XXXX and after making 5 payments to equitable Acceptance Corporation they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late this month but the first payment in XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, I agree to pay the following financial obligation regarding account DEPT OF ED/XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both DEPT OF EDXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer.

-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.

-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 .

Under US Code TITLE 15 > CHAPTER 41>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank You, XXXXXXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
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 XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!
Product: Debt collection

on XX/XX/XXXX I went to the XXXX, acct # XXXX, for emergency services. I did not have insurance at the time so I filed for charity care. i was approved for charity care to cover XXXX % of the charges and XXXX % of any future visits for the next 12 months. on XX/XX/XXXX I went to XXXX, acct # XXXX, for emergency services. i received a bill for this visit and i forwarded the charity care determination which shows XXXX to be responsible for XXXX % of the charges. I never heard anything else about this. XX/XX/XXXX I noticed a new collection item on my credit from AMCOL, acct # XXXX. I immediately disputed this as being paid in full. XX/XX/XXXX, I received a phone call from representative on behalf of XXXX trying to collect this debt again. I advised about the charity care and forward them over all documentation. They advised me this would be closed out. I then forwarded this to AMCOL who told me they would investigate it. Lastly I reached out to XXXX Billing who also said they would investigate this and have the account pulled out of the collection agency. On XX/XX/XXXX, I called to follow up and ensure this was removed as this is negatively impacting my credit. I was told by XXXX Billing that I have to re-fax everything again and they can not tell me a time-frame of resolution. I expressed my concern because every month this continues, my credit is being damaged. I then reached out AMCOL and spoke with a rep named XXXX who told me that XXXX advised that this debt is still owed and that they will not accept my charity care letter because the account number XXXX is not listed on it. I advised to the rep that Charity care states they do not have to add the account number to the letter because under XXXX XXXX it states that XXXX is responsible for all payments for future visits 12 months after the original visit, which this visit falls in that category. As of today, there is no resolution and no urgency to correct this. I have been going around with both companies while my credit continues to get damaged. AMCOL also tried to state that XXXX was only responsible for XXXX % and i had to explain that the handwriting looks like that but you can see where is says patient responsible for XXXX % and that it is truly XXXX % which charity care can confirm to both AMCOL and XXXX.