23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/, CCS COLLECTIONS opened a collection. 
{$180.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureau 's. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To accordance with the fair credit credit reporting act Alley financial has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 602A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My identity has been used to get a loan i didnt apply for, and that car debt has been reported into my credit affecting my credit payment history. Thats why, im not able to be approved for anything at this time. 
Ive been trying to dispute it with the major credit report agencies, and i get no answer in respect to that. 
I also have a collection account that doesn't belong to me either : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to ( XXXX ) XXXX XXXX   XXXX, or XXXX XXXX XXXX on XX/XX/2020 via USPS signature confirmation, tracking number ( XXXX ), for validation of their reported debt. Thirty-five days have elapsed and I have received no response from the company and they have yet to remove the collection account from my credit report.
Product: Credit card or prepaid card

On XX/XX/2020, I attempted to purchase a television from Walmart,  who in error placed ( 4 ) four separate charges in the amount of {$520.00} each for a total of {$2100.00}, on my Sam Club credit card held by Synchrony Bank. 

Walmart immediately removed ( 2 ) charges that were in pending status and promised a full refund for the ( 2 ) two remaining charges in the amount of {$1000.00}. 

On XX/XX/2020, Walmart posted ( 2 ) credit in the amount of {$140.00}, each for a total amount {$290.00}. On XXXX, Walmart posted another credit in the amount of {$370.00}, leaving an outstanding balance of {$370.00}, due back to the consumer. 

After reaching out to Walmart numerous times and told the additional credit would be processed On or around XX/XX/2020, I disputed the remaining charge of {$520.00}, directly with the cardholder Synchrony Bank and explained Walmart only provided a partial refund and the consumer was still owed an additional {$370.00}, to zero out the over charges. 

I completed Synchrony Bank required paperwork only to receive an email message from Synchrony Bank confirming partial credits were received but failed to investigate or address the actual issue the remaining balance/credit in the amount of {$370.00}, due back to the consumer account. 

I reached out to Synchrony Bank again disputed the remaining charges asked for an investigation only to receive another request for the same information which was supplied. 

Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank taking over this many accounts and consolidating control over some many of the consumers account which should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings credit reporting agencies, my name is XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX # XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX # XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX # XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report!

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 reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) you are required to remove/block any items which wereopened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumerthat the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Money transfer, virtual currency, or money service

I recently filed a complaint against Robinhood XX/XX/2024, stating my concerns on Robinhood not allowing me to withdraw my fund. On XXXX XXXX, my issue has got worse. After my bank cleared and process all my deposit into my Robinhood spending account, which was {$3000.00} on XX/XX/2024, I got an email from Robinhood support stating that my deposit have all cleared and process and my account was still restricted and soon to be closed as soon and my funds were going to be transferred back to my account, but that did not happen. I reach back to Robinhood support through email stating I need my fund transferred but since my account has been restricted I am not able to move my {$3000.00} out and into my bank account. I told Robinhood the only account I have link is XXXX XXXX debit account and I would like to transfer my funds into that account and I have no other account linked to my Robinhood account. Robinhood support emailed me stating that I can not transfer my {$3000.00} and that my account will be close with my {$3000.00} remaining in the closed account and there is nothing they, nor I can do about. Additionally, they are able to transfer my brokerage and spending account to my individual value account but cant transfer my fund into my link debit account, when they told me that they are unable to do anything.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing issue of fraudulent items persistently appearing despite numerous attempts to remove them. This matter has caused significant inconvenience and financial loss, and I feel compelled to bring it to your attention for urgent resolution. 

Despite repeated efforts on my part to address these fraudulent items, they continue to surface, creating not only a sense of vulnerability but also undermining trust in the system. It is evident that the current measures in place are insufficient to prevent the recurrence of such incidents. 

As a responsible consumer, I have diligently followed the necessary procedures to report and remove these items, expecting a prompt and effective response. However, the persistence of these fraudulent activities suggests a systemic failure that requires immediate attention and remedial action. 

I urge you to conduct a thorough investigation into the root causes of this issue and implement robust measures to prevent its recurrence. Furthermore, I request transparent communication regarding the steps being taken to address this matter and restore confidence in the system. 

Additionally, I seek compensation for the losses incurred as a result of these fraudulent transactions and the inconvenience caused by the repeated attempts to rectify the situation. It is essential that appropriate restitution is provided to mitigate the financial impact and restore trust in your services. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card

I have been dealing with this for 5-6 months. According to the law the company has 30 days to validate the debt. The companies time to validate the debt has long expired and I am uncertain to why it has been allowed to go this far along. The company CAN NOT validate charges, dates, merchants, pricing, etc from XXXX to XXXX of 2023, as they CAN NOT view or access the account for that time frame. Because the company, nor myself can access/view this time frame, the debt CAN NOT be validated and the account should have a {$0.00} balance due to the company negligence. I am not taking anything else for an answer or response. It is the LAW.
Product: Vehicle loan or lease

XX/XX/2018 vehicle was repossessed, and now appears on credit report as OPEN, and with XXXX different BALANCE AMOUNT. The amounts are as followed : {$10000.00}, {$9600.00}, and {$9500.00}. This account has been disputed several times, and all requests to provide proof and to have the account VALIDATED, Corrected, and/or Deleted has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Commerce Bank. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. Commerce Bank was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But Commerce Bank stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX. I had a medical bill that was overdue and went to a collection agency by the name of transworld systems. The total amount of the debt XXXX and I was able to negotiate the debt with an agent down to half which equated to XXXX. The debt was settled on XX/XX/19 and I received the following confirmation number:XXXX. Since XXXX, Transworld systems has kept calling me on a consistent basis and every time I speak to their agents, they confirm that my debt was paid and cant expalin why I am still receiving calls. I always have to re-explain my situation to every agent that calls me eventhough this debt was paid off nearly 5 months ago. It seems like this company is disorganized and their supervisors are completely uncooperative and unprofessional. I have had Transworld employees talk back to me and one supervisor even hung up on me. Today I was told by another supervisor by the name of XXXX that my debt is now back at the original amount which I dont understand because I already settled this debt back in XXXX and have proof of payment. I am tired of being misled and harassed by this company. Please contact me should you wish to discuss. Thank you.
Product: Checking or savings account

On XX/XX/year> an unauthorized was charge made to my account for XXXX and on the following day XX/XX/year> another unauthorized charge for XXXX was made. Ive been submitting proof and XXXX has denied my claim 4 times. They refuse to let me reopen the dispute again. So now I just need someone else to help me gain access to my funds they refuse to replace. I submitted evidence and proof to them that I never had any funds sent from chime to XXXX XXXX. I also requested to see the information they used and they refused to give it to me. They just sent blank pages to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX. 
XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX 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 XXXXXXXX - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$11000.00} Original balance $ 0 Monthly payment {$100.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the Fair Credit Reporting to section act ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not f any perissible purpose under this section that justifies their presence on my report ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Student loan

Hi, In XXXX and XXXX of XXXX, and XXXX, XXXX and XXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and Sallie Mae. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report.

Secondly, I have 2 loans with discover student loans and 1 loan with Sallie Mae with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX
Product: Debt collection

Unauthorized accounts appear on my latest credit report. Please block and remove them from my record as soon as possible.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. This account is not accurate. I notified in writing and online Equifax that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account is closed and paid in full. It is however reporting payment schedules as inaccurate. All payments were made on time and not late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy and cording to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 reorting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

US Bank/US Bank Home Mortgage has been unwilling to work with me to modify the terms of my home loan. I have consistently submitted all paperwork requested, all to no avail. They constantly lose the documents I send ; send correspondence from all over the United States ( oftentimes, not to me ) ; no one can give me a status, stating instead that I am in " underwriting. '' You often do not get to speak with the same individual so you are made to feel like you are running in circles. I have been dealing with their unprofessionalism and do not care attitude since XX/XX/XXXX. It should not take 5 years to do a simple loan modification. I have explained to them that we are upside down on our mortgage, I have been unemployed since XX/XX/XXXX, and that my husband is a United States Veteran. I still can not and have not received any relief or any clear indication of what exactly it is they need from me.
Product: Credit card or prepaid card

Commerce Bank ( XXXX XXXXXXXX ) credit card XXXX XXXX XXXX XXXX Card lowered my credit limit from {$2000.00} t0 XXXX $ overnight, after they received hectic payments lowering my credit balance. 

It appears that they deliberately lowered my score, when I was trying to pay up the balance lowering my credit balance. 

I spoke with their CSR for which she replied that they will be sending a letter soon. 

I think this is an outrageous maneuvre by some credit card companies either for their protection, but will affect a honest credit payers intention to improve his credit go to the ocean.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Experian to delete all the information that is on my credit reports like addresses and names that are incorrect, erroneous and obsolete and to only leave my correct name and my current address. They are not deleting anything and this is affecting me from getting a new credit card and buying a home. I send them proof of my current address and my driver 's license as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX AXXXX XXXX and XXXX XXXXequesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.
Product: Credit reporting

I made a dispute with a particular account on my Experian credit report. The creditor investigated the dispute and it was resolved. I no longer dispute the remark. However, after the investigation, the creditor added a remark " Account disputed by consumer ''. I asked Experian to remove this as I released the dispute, and no longer disputed anything. They refused to remove it and advised that they have to get the creditor 's approval before removing it. The creditor says it can only be removed by the credit bureaus. This has been detrimental to my home loan application.