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

Commonwealth has reported an account on my credit as being from XXXX. I have been disputing this account multiple times. This needs to be deleted off of my credit report. This is an old medical bill from XXXX, not XXXX as they have it listed. When this first reported, I had no idea what this was for. I never received any bills for this claim. It just showed up on my credit. Since learning of this I have investigated and disputed this matter multiple times. This was my son 's medical bill which he was covered with Georgia state Medicaid insurance during this time. I provided this proof to this collection agency. I also spoke to a Medicaid  claims representative and they stated they never even received anything for a bill. The representative also stated I wouldve never been billed for this or been left responsible since he was covered by Medicaid. After one of the many times I disputed this with the credit bureaus XXXX, XXXX  and XXXX  and made a complaint with the CFPB, the Commonwealth rep said they needed me to verify he had the medical coverage. I have since provided this documentation to commonwealth and all 3 credit bureaus. I requested a confirmation of receipt of this email yet never received anything. They have not followed up and given me any information. I have called multiple times. Commonwealth has fraudulently reported this and not even following up with be trying to take care of this matter. Please remove this off my credit!
Product: Credit reporting or other personal consumer reports

Credit Karma gave me a falsely pre-approved report for a credit card ( XXXX  XXXX ) on XX/XX/XXXX of 2023, Once applied for the credit card I was denied of the credit card after already being pre-approved by credit karma several times before. Ive contacted Credit Karma about this issue but was suggested that XXXX credit bureau would be able to help with the issue. Credit Karma was unhelpful and was not able to resolve any issues. This resulted a decreasing of my credit score along with an hard inquiry of several years to my report.
Product: Credit card

I had an account with Synchrony Care Credit. I was unable to pay for some time. I have been calling the Synchrony customer service in an attempt to resume payments or pay off the debt. Synchrony is refusing to allow me to do so because they are saying that the account is pending to be sold or assigned. This is holding me up from qualifying for a VA loan.
Product: Credit card

When I opened a synchrony bank care credit account I was not made aware that their monthly late fees was {$41.00} dollars. Although I havent missed any payments my total balance is greatly effected by this exorbitant late fee. Im quite sure CFPB has banned such high late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : 1.XXXX XXXX 2.XXXX  XXXX 3. XXXX XXXX 4.XXXX  XXXX
Product: Credit card or prepaid card

I have been a customer with First Progress now for about a year, and have been making on time payments. However for the following dates : XX/XX/2021, XX/XX/2021 I have received late payments and have been charged a late payment fee. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. 

The First Progress platform makes it extremely difficult to pay your bill offering only 3 options, online bill pay, call in, and mailing in an actual payment physically. However I tried calling in to make my payment by phone and was told that their system would not let me submit a payment and I would have to use bill pay, which my bank account does not offer. So this limitation in payment options led to not being able to find a way to pay my bill on time. I eventually found a solution and had to settle with a company named XXXX to submit the payments to First Progress for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the company did not offer me a way to pay my bill on time. If I were to mail in the payment it would have been too late as well. 

I would like to remain a customer, I just would like this issue acknowledged as my credit report is very important to me, and I pay my bills on time. The company itself I have no issues with. They are friendly and its a good credit card. I just wanted to bring awareness to the payment limitations as it has caused probably others to become late on their payments as well. 

Thank you
Product: Debt collection

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX. I am a Wells Fargo customer of 25 Years. On XX/XX/XXXX I applied for a Personal Loan with XXXX for the amount of {$85000.00}. I was going to use this money for Debt Consolidation. I am a XXXX with the XXXX XXXX since XX/XX/XXXX. My current YTD Earnings are {$66000.00}. Unbeknownst to me XXXX had a Loan Amount Restriction that was never mentioned to me prior to my XXXX. It was expressed to me that I had Insufficient Liquid Assets to cover this amount. I specifically asked the Rep why this was never mentioned to me as a Customer/Consumer. His reply was that XXXX DID NOT WANT TO DISCOURAGE people from applying. XXXX countered with a Loan amount of {$40000.00}. REALLY? Well as a Customer of 25 years My Wife and I are not only Discouraged but VERY XXXX XXXX by this UNFAIR LENDING PRACTICES. The FDIC Has rules in place for these types of practices. ( Unfair, Deceptive or Abusive Acts or Practices ) As a result we have decided to close our account and Bank with XXXX XXXX  I am also in Contact with legal representation in regards to this Practice. I'm sure Wells Fargo has done this to many other Customers/Consumers as well. Wells Fargo Underwriters are a JOKE. The least they can do is remove the Credit Inquiry.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

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

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I requested from consumer portfolio services to prove ownership by me of the debt they claim that I owe I am unaware of any debt to them, and also unaware of the debt claimed by them. I have asked also for them to stop communicating with me and contacting me and anyone associated with myself to no avail, they continue to send emails and text messages and at times phone calls even though I cited 15 USC code 1692 CC the attempts to have them, cease and desist has not been ohnered at this point and time. I have sent out a certified letter XX/XX/year> and I am still waiting to hear back.
Product: Checking or savings account

Today I woke up and had a XXXX dollar overdraft fee, but my account has never once been over drafted This is a ongoing issue with citizens bank Where they charge you an overdraft fee by putting you direct deposits that come the same day as transactions on your account after they overdraft it, even though it says its there Then they argue with you to try defending it because according to them they can see things I cant, which Im sorry no matter how many XXXX transactions are on hold its for sure not more than whats in my savings at the same bank that keeps doing this to me, and that I always ask if they needed it why didnt they take it outta my savings instead of giving me a fee? Theres not any record of my account actually over drafting, and they wont remove it I took pictures, theres not a single time it was red Theyre trying to say it was because of the charges that cleared on the day the direct deposit was made But realistically both payments made to city taxes completely vanished till today and showed back up, which Im also tired of them making things vanish for days so you cant account for them then magically putting the transaction back I manage my account very tediously and they are using deceptive means to gain overdraft fees from people who didnt earn them
Product: Checking or savings account

On XX/XX/XXXX and XXXX, XXXXhree checks of ( {$1900.00} ), ( {$2100.00} ) & ( {$2200.00} ) were deposited into my bank account and were later found to be UTL ( Unable to locate account ) then were returned with fees. Also, a XXXX to a fake name XXXX XXXX XXXX XXXX XXXX to various numbers were sent out. I described that these were scams to USAA phone representatives and provided information of the scammers including names, phone numbers, social media accounts and addresses that I had to hunt for. All in all they said I'm held liable when this was unauthorized. I asked if I could dispute those charges and was told yes by one representative days go by I hear nothing. I ask again and I get told no by another. I started a fraud claim and ultimately got told that I'm held liable. I have contacted the numbers and emails to try to get these scammers to refund the money back but of course they did not budge. My accounts are now negative over - {$6000.00}, restricted to only credit and I have bills and other things to pay for. I could potentially lose my job and car due to this. The final option given to me was to take a loan from them or somewhere else and that will put me in more debt than before. I have so much evidence but my bank is not investigating further into this.
Product: Debt collection

I have repeatedly requested that PORTFOLIO RECOVERY ASSOCIATES provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Checking or savings account

Suntrust Bank XXXX XXXX XXXX XXXX, Tn XXXX phone number : XXXX ( XXXX XXXX ) phone number : Ms. XXXX XXXX ( branch manager ) RSSD # XXXX FDIC-Cert # XXXX On XX/XX/XXXX I opened 7 accounts totaling XXXX with SunTrust Now Truist. Mrs XXXX the bank manager approved for Ms. XXXX XXXX to open the accounts pending that I make arrangements to pay the bank the XXXX owed to the bank. Ms. XXXX and I both spoke with Ms. XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called the bank and was informed that I needed to call the bank head quarters XXXX. They informed me my account was flagged and frozen. I was given very confusing information as to why. I was told I would have to wait 15 days for an review of the account and 10-12 days if any money would be mailed to me. On XX/XX/XXXX I filed a complaint with the bank and the XXXX  .On XX/XX/XXXX I called the 800 number listed above and XXXX from consumer care department finally helped and spoke to the back office because I explained that the check deposited was from the XXXX XXXX and accident insurance company ; that i had lost my husband XX/XX/XXXX and our family needed our money back quickly and waiting months was going to be unacceptable. On Friday XX/XX/XXXX I was told by Ms. XXXX that they would be opening back up my accounts. XXXX XXXX from Suntrust now Truist left a voice message on XX/XX/XXXX stating Ms XXXX would call me in 15 or less days concerning my complaint with the XXXX XXXX XXXX. Now on XX/XX/XXXX I was told by Ms. XXXX that they had closed the accounts and on XX/XX/XXXX that they mailed me out 7 checks for each account open. Today XX/XX/XXXX I received false information that " This notice is generated when we receive your request to close your account, or when your account has had a XXXX  balance for 35 consecutive days. ''
Product: Credit reporting or other personal consumer reports

Recently I've sent a dispute letter to Equifax regarding inaccurate information and accounts thats reporting to my consumer report. They are reporting that I live at multiple addresses when in reality I only have one address which is on my ID. They responded that the accounts were verified but never provided me any documentation that verifies them. The proper documentation should include signed agreements, contracts, receipts, etc. I received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using credit karma since XXXX I have been following everything that they have been telling me in order to try to better my credit all they have done is give me false information and false hope, I am a single mother of XXXX in XXXX  full-time I've been in XXXX  since XXXX I have been trying to buy a house for me and my kids since then I have tried to pay off debt their credit karma is that I owed and that once I paid it off my credit score would go up enough tell her I can buy a house they have told me that I could get credit offers and loan offers that I was pre-qualified for I was then denied after applying and then it ruined my credit with the hard inquiries this company lies they dont have correct information every time I try to do anything based off of their information it is all incorrect according to companies I have tried to get loans through whether it be school loans home loan or any type of credit consolidating, I have paid off a lot of debt over the past years and I am still not getting anywhere because I trusted them and the information they were providing to me now I am still stuck without being able to buy a home and with more debt than I started with
Product: Debt collection

This debt has been reported on my credit report by TWO different agency 's and ii have made several attempts to resolve this issue and all the agency does is send a bill and consider that verification and its not. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co owners of any account in the past.SO how can this debt be verified if it is showing up on two different individual credit reports with two different agencies this is getting very frustrating and I have been waiting more than the allotted amount of time for a response. The XXXX XXXX XXXX   credit agencies are reporting this information as verified but how if this is on my and my fathers credit report? So whos bill is it? these are things that a thorough investigation consists of and obviously if has not been done. According to the FCRA, If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice.
Product: Debt collection

I decided to switch fromXXXX to another XXXX. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. XXXX payments were provide to complete this before they would unlock the phones to allow the new XXXX to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to XXXX people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new XXXX. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from Ashmer Collections to collect {$460.00} for the cost of the phones! I have attempted to dispute immediately and sent both proof of payments and its still reporting. I've requested validation of debt and dispute papers and gato not received. I call them weekly and only keep getting short rude responses saying to wait for the documents! I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!