23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony Bank / TJmaxx was harassing me by the phone telling me for a debt that was not mine I contacted the bureaus and they told me to contact Synchrony Bank. after alot of back and forth. They threatened me with legal action but. They did NOT provide me with any documentation validating the debt as mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agencies XXXX, XXXX, and Transunion have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX, CHILD SUPPORT XXXX XXXX account # XXXX, XXXX  XXXX  acount # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Financial Corp. America refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Vehicle loan or lease

I have had an auto loan with Citizens Auto Finance since XX/XX/XXXX. On each month, my payment is due on the XX/XX/XXXX, in the amount of {$260.00}. In XX/XX/XXXX, I missed a payment and was charged a late fee, while the past due amount was added to my payment for XX/XX/XXXX. In the subsequent months ( XX/XX/XXXX - XX/XX/XXXX ), I made sufficient payment to cover the past due balance, and the initial late fee that was incurred. As I continued to make additional payment above my principal payment, Citizens continually misapplied my additional monies. Rather than satisfying my past due balance and late fees, the additional monies were applied to my principal balance. As such, my past due balance and late fees continued to compound, through XX/XX/XXXX. In XX/XX/XXXX, I contacted Citizens on three separate occasions to have the payments properly applied, to satisfy the late fees and past due balance. Multiple customer service representatives addressed the issue, and I was told that the extra monies were not properly credited because I " put the payments in the wrong box '' when making online payments. In the subsequent months, I made online payments as directed by the CSRs at Citizens. Payments continued to be applied incorrectly. After multiple conversations in XX/XX/XXXX, I was assured the issue had been resolved, and all payments were properly reapplied, therefore satisfying any late fees and past due balance. After checking my online loan balance, my current past due and late fees were {$0.00}, as assured. In XX/XX/XXXX, I received a statement for my regular principal payment of {$260.00}, plus an additional late fee, despite my on-time payment in XX/XX/XXXX, and the reapplication of my past payments. Upon further investigation, Citizens had reversed all the reapplied payments, once again charging me late fees for a balance that had long since been satisfied. In XX/XX/XXXX, I called Citizens to address the issue. The representative told me he " did not see a late fee on the account, '' and instructed me to make my payment as normal. On XX/XX/XXXX, I made my payment on-time, paying the full amount due, but not the late fees, as I was assured they were not on the account, and should not have been, if Citizens had properly applied my payments to the loan. In XX/XX/XXXX, I once again received a statement with late fees. On XX/XX/XXXX, I contacted Citizens once again, and was told the late fees existed from the XX/XX/XXXX past due payment. I explained the issue once again, including the resolution that was supposed to happen in XX/XX/XXXX. The representative, and subsequently a supervisor, continued to insist the late fee was valid, and would not remove it from the account. As such, I am contacting this institution, as Citizens will not properly reconcile my account.
Product: Mortgage

i have been working with US Bank my servicer on a loan modification sinceXX/XX/XXXXand they consistently request for pay stubs stating that they do not have 30 days worth of income. This statement is absolutely inaccurate due to i am paid bi-weekly and 2 pay stubs would cover that. When i submitted i submitted 3 pay stubs to be safe which were current and consecutive at that time. During the length time of them having to review the documents just to get it from stage to stage i consistently updated the pay stubs again to be safe. I got a pay increased in the month of XX/XX/XXXX, I went from {$17.00} to {$21.00} and the first pay stub to reflect that was dated XX/XX/XXXX. US Bank stated that I need to send 30 days worth of pay stubs to reflect increase so I sent the next one that I got dated XX/XX/XXXX, I called back and they do n't have 30 days but they have those 2 pay stubs ( how does that work ). I sent in another pay stub dated XX/XX/XXXXand again the have all 4 but they do n't have 30 days worth of income with the increase in rate. Again I faxed in another pay stub datedXX/XX/XXXX, called lender to confirm received which they did and what a surprise they need 30 days worth of pay stubs with increase. To me that would fall in line with dual tracking but I am not done with US Banks consistent badger for more documentation which is stalling the process and pushing more into delinquency. i just called again today XX/XX/XXXXto get an update on status hoping someone at US Bank knows how to do their job, I was told that I need to provide 30 days worth of pay stubs, I asked if they have my pay stubs from before and they said yes but since the underwriter is asking for it then we must get it for them. I asked can you count the pay stubs that you see in my file and they said I see it but because they want it then we have to get it, but you have months worth of pay stubs with the increase that does n't matter I was told because we have to get the new pay stubs for 30 days. I have faxed over the newest pay stub that i just received today dated XX/XX/XXXX.
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 LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX
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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres
Product: Credit reporting or other personal consumer reports

Someone fraudulent open account with my information and Im trying to resolve this problem but they the company have no real human being customer support
Product: Credit reporting, credit repair services, or other personal consumer reports

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 given reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  replied that the alleged transaction you furnished as late was { XXXX verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { XXXX, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule XXXX. 
In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two weeks ago I tried to buy a car and was denied. Upon looking at my credit report and trying to determine why since I am never late on my bills I discovered what the problem was. Back in XXXX I filed for bankruptcy after my separation/divorce but I reaffirmed with my car loan account and my mortgage through Wells Fargo. However Wells Fargo did not report this to the credit agencies so it appears I have not made a pmynt on my house in 2 years and in turn has ruined my XXXX XXXX. So now my situation is this, I am a XXXX XXXX, my car is broke down and I can not purchase another one because of my XXXX XXXX despite the fact that I have documentation/proof that I did in fact reaffirm in XXXX of XXXX and have never been late on my house pymnt! I contacted Wells Fargo they admitted the fault was on their end and would correct it, I was instructed to call back in 7 days when I did I was told nothing had been done yet, so I went to them in person that time I was told it could take 60 days. I asked about borrowing money using my home equity to purchase a car since I have a substantial amount of equity in my home vs what I owe. I was told not until my XXXX XXXX is higher which is complete irony because my score is such because of them! Strangely enough I rcvd a letter in the mail in the mean time stating my mortgage will now be reporting to the credit agencies as of XXXX XXXX which is a complete lie since I was denied for the auto loan and that is not what my credit report is reflecting. I have been getting the complete run around with Wells Fargo and to not know what else to do or where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies Equifax and XXXX DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO EQUIFAX, XXXX, OR XXXX XXXX  XXXX XXXX whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option 'XXXX XXXX XXXX XXXX XXXX never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach that resulted in identity theft. Several unauthorized accounts and credit inquiries have appeared on my credit report without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : 1. XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4400.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$15000.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$60.00} Unauthorized Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Debt collection

The company FIA card services which is a subsidiary of Bank of America filed a default judgment against me for credit card debt accrued by defunct company MBNA XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with MBNA on XXXX before the company went out of business. The debt was accrued during the year XXXX. Bank of America acquired MBNA in XXXX and this arm became FIA card services that same year. Since my debt was initiated and established during the existence of MBNA and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as FIA is attempting to collect a debt of the defunct company MBNA XXXX.
Product: Credit reporting or other personal consumer reports

Multiple accounts on my report show closed and written off. Yet they are still reporting negative to credit bureaus. How do you owe money thats written off?? 
Dealing with the bureaucracy and the willingness to hold one down is sickening. But yet we PAY and supply criminals that cross the border with money, phones, health insurance, shelter. Thanks American government and ALL agencies involved. Im a citizen that doesnt mean XXXX XXXX. And Ive never broke the law. 

+++ SEE ATTACHED +++ +++ What happened and why +++
Product: Checking or savings account

In XX/XX/2020 I had an unapproved XXXX XXXX XXXX  charge. I called my bank, Santander, they credited back the charge, cancelled my debit card, I waited for replacement card, received it did not give it to XXXX and then in XXXX the exact same charge appeared in my account again. I spoke with my bank and they assured me repeatedly they would not cancel my card because I just went through this, that it was attached to my checking account and they blocked the biller from my checking account. So XXXX morning I try to order something on-line and my card got shut off again! I have not received a replacement debit card for about 3 weeks now. Talk about having my money held hostage, I can not order a single XXXX gift on line, I have to keep driving back and forth to a bank to cash a check every time I need cash for groceries, gas, etc. Huge inconvenience and no one seems to care. I have incurred fees that I would normally not have to pay bills in person with cash instead of using the apps, etc.
Product: Debt collection

I purchased a washing machine from Conn 's a while back and I fell behind on my payments. A few months back I started an auto draft from my bank account of XXXX each paycheck ( bi weekly ) to resolve this debt XXXX my payments are {$67.00} XXXX. On XXXX/XXXX/2015 I received a call from a Conn 's representative that i was still behind but she would take a {$20.00} payment that day and that would be caught up. I made the payment but the calls about the debt have not stopped. It is currently XXXX and I have received XXXX phone calls today. XXXX of which have come AFTER I spoke with someone today about discontinuing the calls as I have caught up with my payments. It has long been their practice to call anywhere from 6-9 times per day in resolution of a debt. Receiving what feels like a call every 90 mins feels like harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX I need you to investigate the following XXXX  XXXX {$240.00} XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late XXXX XXXX XXXX. 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21, I submitted a fraud claim for transactions on my credit card that I did not authorize. I received communication from XXXX Services that they are providing provisional credit and researching the claim in a letter dated XX/XX/21. I also received a letter dated XX/XX/21 that my fraud claim has been denied and I am responsible to pay for the transactions. The reason given to me for denying the fraud claim was that the transactions were conducted using a chip. I have a card and my son has a card and neither of us have lost our cards. I am only asking that the fraudulent charges be removed from my account and be reimbursed for my payment of these charges.
Product: Credit reporting or other personal consumer reports

I was reading my report on XX/XX/24 and saw a few inquires that weren't made by me I tried reaching out to all credit reporting agencies and even put in a complaint with ftc. 
INQUIRES XXXX, XXXX XXXX XXXX I also realized that the credit reporting agencies were reporting incorrect outdated information as well the only address ive been residing in the past 2 years has been XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX