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

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 an account without my written instructions.
Product: Credit card or prepaid card

On the morning of XX/XX/22, I received an email from Credit Karma informing me that my TJ Maxx bill ( managed by Synchrony Bank XXXX had gone derogatory and was 60 days late. That same day, I received a notice in the mail from Synchrony bank dated XX/XX/22 saying that, " We recently attempted to notify you that your electronic TJX Rewards Platinum Mastercard statement was ready to view, but the email was returned. '' This was the first time I was made aware that I had a balance due of {$89.00} in XXXX. I have never been late on a payment on this account and I have not changed my email, mailing address or phone number within the last 12 months. 

Additionally, there were no phone calls or text attempts made letting me know my payment was originally due or when it became late. 

This has now significantly affected my credit score and I am extremely concerned by Synchrony 's business practices. According to the Card Act, a payment can not be considered late unless the statement was mailed or delivered to the customer at least 21 days before the due date. If Synchrony was unable to deliver the statement via email, I would of expected to receive the statement via mail or a phone call to ensure they meet this section of the Card Act. 

After speaking to Synchrony Bank last night to notify them of this situation, Customer Service was unable to confirm if any attempts were made to let me know that the payment was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX  acct # XXXX, acct # 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. I did not give them written instructions.
Product: Credit reporting or other personal consumer reports

Saw this account on my credit report, and have never heard or them or been contacted by them before. I don't know of any account with them and they have never contacted me via phone, email or mail to discuss this account. Online reviews say they are a scam and it is concerning to me that this mystery bill just appeared on my credit report.
Product: Debt collection

I have a service through work that monitors my credit. They informed me that Sunrise Credit Service had hurt my credit. I called Sunrise and through conversation, learned that someone used some of my information to open an account with XXXX XXXX XXXX in Indiana. I have never used XXXX XXXX XXXX  and I have never lived in Indiana. They told me that I had to fill out documents and they would send them to XXXX XXXX XXXX and I would have to deal with XXXX XXXX XXXX XXXX XXXX team. It has been XXXX weeks and never received the documents. They told me that it takes over 30 days to get the documents. I requested a goodwill deletion and was told they don't do that. I tried to call XXXX XXXX XXXX and they have no ability to talk to a person. I tried to fill out the documents online and the online service won't accept it. I am trying to buy a truck and my credit score went from the XXXX 's to the low XXXX 's and the payment will now be higher. They did not do their due diligence in determining who the person who opened the account really is. They just chose to pick me and mess up my credit. It is sick that these companies can ruin a person 's life and the person has no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AL, XXXX XXXX XXXX XXXX # XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a correspondence letter to XXXX requesting information on a bankruptcy they were reporting to TransUnion that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from XXXX, dated XX/XX/2020 informing me that XXXX XXXX XXXX ( XXXX ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information XXXX reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to XXXX identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

TransUnion collects date from XXXX XXXX and XXXX for public records. XXXX XXXX is regulated under the FCRA but XXXX is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is XXXX not being regulated by the FCRA then? 

XXXX 's website stats to contact TransUnion in the event a consumer suspects their bankruptcy information is erroneous. However, TransUnion 's website directs us to contact XXXX if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on XXXX 's website, they EXPLICITLY state " XXXX DOES NOT MATCH XXXX INFO TO TRANSUNION CREDIT FILES '' ... ..So, how does TransUnion consider this information verified if XXXX is stating they do not verify such information? 

Also, why is PrivacyRights.org reporting XXXX to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to TransUnion ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can XXXX report anything to TransUnion on a consumer if they are being recognized as a reporting agency?
Product: Consumer Loan

I requested a {$4000.00} loan from SpringLeaf Financial. Springleaf contacted me via e-mail and stated I was approved for the loan. When contacted, I was told and I have in writing that I would be saving on interest. Springleaf made me sign everything digitally and did not provide me with the documents. Additionally they took my vehicle title and will not return it. The interest rate of the loan is 25 % my original loan was 11.34 %, therefore my interest rate more than doubled.
Product: Payday loan, title loan, or personal loan

I applied for this loan not knowing the interest rate of the loan, was never disclosed to me over the phone. My loan amount was for {$350.00}, so far I paid this company {$900.00} only to still have a balance. The interest rate is at 754.62 % which is over the legal limit allowed from Arizona. I was wondering why I still had a balance, so I had to sign up on the lenders website to look at my balance and was shocked to see the high interest rate. AZDFI no longer licenses payday lenders as of XX/XX/2010 and interest rates over 36 % is illegal as of XX/XX/2010. I have contacted the Arizona attorney general and learned that payday loans were prohibited in Arizona. A consumer complaint has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 148 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Checking or savings account

I opened a XXXX XXXX  account on XX/XX/XXXX through my friend 's referral link XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The referral bonus terms ( attached ) say that you only need to have {$500.00} in the account on the 60th day, which would be XX/XX/XXXX. On XX/XX/XXXX, I added funds to the account to get to a {$500.00} balance. I messaged support on XX/XX/XXXX if I satisfied the bonus requirements. She said yes and that I would get the bonus in 90-95 days. I asked if I could withdraw the funds and still be eligible. She said yes. I waited 96 days and did not receive the bonus. I asked support and they have changed the terms to have an average of {$500.00} over the first 60 days. These are not the terms I signed up for.
Product: Checking or savings account

Hello, on XX/XX/XXXX I noticed that a company named XXXX charged my account XXXX I waited until Monday when my bank opened to call. I called the Fraud department and filed a complaint. I also reached out to the company XXXX. XXXX agreed that it was a fraudulent charge and instructed me to call my bank. Capital One is refusing to help me cause they said I only had 24hrs to dispute the charge. The Fair Credit Billing Act of 1974 says I have 60 days! Capital One is refusing to abide by the law.
Product: Debt collection

It has come to my attention the Retail Installment Agreement that I was given from XXXX  XXXX have violated me a few ways on XXXX XXXX. I have been reading the Truth and Lending Act and it states the finance charges which is sum of all charges which is the {$52000.00} I was giving the impression that I had to pay a down payment of {$6000.00} in order to drive off the lot from the saleswoman XXXX XXXX, which states in 15 usc1605 that a I'm not supposed to provide cash and credit in the same transaction. Per my contract as the debtor I'm now asserting my rights. 16CFR 433.2 I was given a false deceptive from that I wasn't able to rescind my contract when in fact its states ANY HOLDER OF THIS CONSUMER CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I was not given proper disclosures as to all insurance options available at the time of purchase. As per 15 USC 1632 ( a ) I'm aware that a finance charge shall be disclosed more conspicuously than other terms data or information provided in connection with a transaction, except information relating to the identity of the creditor should not vary from the actual finance charge by more than {$100.00}. I wasn't given my instrument when I left the auto dealer. My personal information was sold to Flagship Acceptance now my privacy has been exposed to financial institution that is sending statements to me asking for money, the law says I did consumer credit transaction with XXXX XXXXXXXX pursuant 16CFR 433.1 and I didnt purchase money loan because my account number/ credit card was given and I down payment {$6000.00}. This account is paid and in full. i want to exercise my right to a rescission. I want to revoke my credit transaction and revoke the security interest and the revoke the dealership. I wrote Flagship and they told me to go back to XXXX XXXX. I want to revoke the security interest, dealership, the transaction with the finance company as per 12 CFR 226.23
Product: Debt collection

am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.
Product: Credit card

On XX/XX/year>. I was charged {$340.00} from XXXX XXXX. I just reported this to Bank of America as well as XXXX XXXX. XXXX XXXX also had no idea about this transaction, and told me they will give me call back. After several days researching, Bank of America told me my claim of this transaction has not been approved and still want me to pay for that. I think this is totally ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account was found on my credit report. I have disputed tis account. 



XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX XXXX Mutual Balance {$270.00} Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXX XX/XX/year>2025 XXXX XX/XX/year>2025 XXXXXXXX  XXXX/XXXX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX 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 information is inaccurate.
Product: Credit card or prepaid card

Called in want to use my card they will not allow me to use money ive paid still asking for payment called in they will not allow me any access without front and back of my drivers license never contacted me via mail to advise or anything. Unacceptable and also not okay to require payment and not allow card to be used.
Product: Credit card or prepaid card

XXXX ) I did set up Automatic Payments to cover the full balance every month. I did it with this credit card the same way Ido it with every credit card as soon as I open the account. I do the same with every utility bill or any loan. 

XXXX ) The Credit Card Company never sent me a statement indicating me there was a pending balance. 

XXXX ) I willingly used this credit card only when I requested it because of a promotion on XXXX. I paid for that purchase. I have another credit card set as the primary payment card to make purchases. 

XXXX ) Synchrony claims that I used this credit card and became delinquent for {$6.00} in XX/XX/XXXX, and {$7.00} in XX/XX/XXXX. I never authorized those purchases. They claim I did not pay those statements and they reported me to the credit bureaus, as a result, my credit score decreased by over 100 points. 

XXXX ) I have never been delinquent on anything. 

XXXX ) I called Synchrony to complain about the use of this credit card and to request the documents proving I had an automatic payment set up on my account. they refused to do it. I paid those charges and I closed the account as soon as I found out about this issue in XX/XX/XXXX. 

XXXX ) Synchrony is refusing to remove the delinquency they placed on my account.
Product: Money transfer, virtual currency, or money service

I told Navy Federal I was a victim of fraud on XXXX XXXX XXXX I have the request in writing. 
The fraud was a XXXX  listing for a property in XXXX, Ohio. It was a for sale by owner, and they asked for {$2000.00} as an earnest money deposit and they will remove the listing as for sale, and move it to pending. 

I sent the money to the scammer, AFTER I had got a contract they more than likely created fraudulently, I have their email, I have their XXXX address, I have the text thread, and I have the XXXX  listing, I felt confident this may be legit. It wasn't. 

I went through there process of filing the complaint on the app. And the very next day they messaged me back saying they are " sympathetic '' to me being a victim of fraud there was nothing they could do. 

And what made it worse was on XX/XX/ I received a deposit from NFCU in the amount of XXXX as a credit. I thought my prayer was answered and they solved the issue. Then on the XX/XX/ the money was taken back OUT of my account from NFCU. 

I have tons of evidence supporting my claim of fraud. I have screenshots, emails, XXXX accounts, even the XXXX listing, and I'm willing to provide all details needed to have this resolved. I looked up her XXXX account, because its a business account and I know she has two addresses one in XXXX and one in XXXX XXXX.
Product: Mortgage

We have a loan with Zion 's Bank for construction of our new home. We built the home in 2020 and have been in our home for almost 15 months. Zion 's is still requiring us to pay Escrow each month based on the estimated amount they thought we would owe for our taxes and insurance. I have called them, and have emailed our mortgage and construction loan officer, about the county tax assessor 's office actual taxes owed. Needless to say, we owe less than the banks original assessment. RESPA law states the bank can not hold more than 2 months escrow. I know they have a lot more than that number. Repeated phone calls and emails have not been returned or the matter addressed. I just emailed to have my escrow removed from our mortgage. I am VERY DISSATISFIED with Zion 's Bank throughout this entire process of construction loan. I would NOT recommend them to anyone!!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.
Product: Checking or savings account

I was a victim of fraud on XXXX. I contacted Navy Federal and they were aware of the fraudulant actions within 24hrs. I was told it was dealt with early enough and the individal did not get any money. One month later my account goes into the negative, i inquire as to how and why. They now state that the fraudster DID get the money he tried to get, and the negative balance I now see is because credits that were applied, have rolled off. They stated here, that when the investigation was done, I would recieve my money back. 
On XXXX ( yes, almosttwo months now ) I called to inquire the status of the investigation. At which point I am told it was found not to be fraud, and I am responsible for the money that was taken from them, via my account. 
I submitted a claim refuting this finding, and am now submitting this.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!