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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$7500.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$100.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$26000.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open Inquiries in Dispute 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I went to XXXX in XXXX In where a employee of the same company I work cashed his check I presented my check from the same company was denied by XXXX XXXX XXXX XXXX. I called the phone provide by XXXX and was told they could not tell me why they refused my payroll check. I went to XXXX in XXXX In and XXXX in XXXX IL and they would not cash the check and again given the number for Certegy.. When calling the Automated system does not offer clear way to get information or clear way to dispute there decision. I went to Certegy web page and again no clear way to dispute there decision. The only thing I could see for information was to ask for a copy of my file. I requested the file and waited 2 weeks for it to arrive. While waiting I  earned another paycheck and decided to cash it with XXXX mobile deposit. Certegy again denied my check for deposit. At this time I had received my file from Certegy. On the first of six pages it lists all the checks I have cashed or presented for cashing. Beside the item it reads Authorized or Not Authorized reason below with a microscope 99 see reason below.. Under the list it says 99 this transaction fell outside Certegy Guidelines.. The next column is for outstanding items.. Nowhere on the six pages is the an explanation of code 99 other than whatever code 99 is my file was perfectly clear. Again in the six pages there is no place to dispute the decision or find out the reason for Certegy to turn down payroll checks that I work hard. My next action was to call Certegy at a different number that was given to me when they refused my paycheck. I spent an hour on the phone with there representative verifying Identity and going over my file and verifying funds in my employers account. She told me my file look good and did not see a reason for my paychecks not to be cashed. Then the representative told me there was nothing she could do and could not provide me with a dispute Certegys decision. So after all of this I found out they should cash my payroll check. They won't cash my payroll check and did not give me any explanation or way of disputing there action. I go to work and work hard as a bricklayer and Certegy has stop all options for me to cash my check without driving 200 miles to my employer financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and reporting status of an account listed on my credit report. The account in question is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and it is inaccurately being reported solely on my TransUnion credit report, but not on my credit reports from XXXX and XXXX. This discrepancy raises concerns regarding the accuracy of the information being reported by TransUnion. Furthermore, this account, opened and reported as of XX/XX/year>, is past the statute of limitations for credit reporting and should no longer be appearing on my credit report. 

Account Details for Reference : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information reported on an individuals credit report. The presence of this account on my TransUnion report, and its absence from my XXXX and XXXX reports, constitutes a clear violation of this requirement. 

Additionally, the FCRA stipulates a maximum reporting period of seven years for negative information. Given that the account was first reported on XX/XX/year>, it exceeds this period and should be removed immediately.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I did not open, and I suspect they are the result of fraud or identity theft.
Product: Payday loan, title loan, or personal loan

Identify theft in XX/XX/XXXX didnt open this file notice on my credit report in XXXX of XXXX
Product: Student loan

Earnest ( www.earneset.com ) asked about monthly expenses, including rent. I do not pay rent ( my spouse pays all of the rent and since they do not consider spousal income, they should not consider spousal monthly expenses ). They refused to accept that I do not pay rent when considering my loan and offered me a higher interest rate than I should have qualified for based on my monthly expenses. Additionally, they refuse to consider assets and property when calculating interest rates. They are currently considering household debt and monthly expenses, but refuse to consider household income. I believe these tactics of selectively considering income and assets is in an effort to ensure they are able to keep their interest rates high and make their advertised interest rates unattainable. This occurred from XX/XX/XXXX-XX/XX/2018.
Product: Checking or savings account

Monday, XX/XX/XXXX I received a letter from XXXX stating that they will be closing my business account and that I have until XX/XX/XXXX to make arrangements to transfer funds, etc. I called the corporate office and no one could tell me a reason as to why they closed the account.
Product: Debt collection

The first attachment is the complaint which shows how Resurgent/XXXX failed to explain who they are. They failed to provide proof of licensure within five days as required by CA law. They failed to provide any signed original agreements for either of the debts alleged owed. Their tactics had measurable adverse effects on my XXXX y/o father suffering from XXXX and my elderly mother suffered a XXXX XXXX. They should not be contacting any of my family members in the first place but measurable effects in my opinion are my father 's XXXX advancing including taking his XXXX catheter and dumping his XXXX on himself, eating and smearing his own feces and believing men and women were going to kidnap and execute him because those people were looking for me and they were going to serve papers and come to the door. Not only did Resurgent use tactics which might scare an ordinary person, those same tactics are actually catostrophic for a person experienced XXXX. Not to mention all of this happened while I had Covid multiple times and have long term effects and I also have XXXX XXXX XXXX. Basically their conduct in my opinion made my father suffer emotionally and physically as well as my mom and then I had watch all of this happen and there was nothing I could do. And Resurgent, doesn't even bother to directly address any of my questions directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued Equifax and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. Equifax or XXXX XXXX has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.
Product: Credit card or prepaid card

I have been a preferred rewards platinum honors member with bank of america since 2014. 
Just recently bank of america decided to close my account and 2 credit cards with no explanation. 


I have an excellent credit score and always paid my balances on time. 
I have no non violations of my user agreement. 
My biggest complaint is that the bank will not allow me to redeem my cash back totaling {$4900.00} and tells me the whole amount is forfeited. 

I have worked so hard to earn this cash back and unable to redeem it thru no fault of my own. 
I feel being taken advantage of and account was shut down in order to not be able to redeem my rewards. 

I dont understand why a large bank like bank of america would result to such unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this?

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I sent a dispute to remove outdated information on an account that is paid. Although they removed the payment history that was over two years old, the Payment status was not corrected, it is still reporting Late 60 days. This is incorrect information and needs to be corrected to Paid or current.
Product: Debt collection

Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now.
Product: Checking or savings account

My roommate and I have two separate bank accounts with US Bank. A representative named XXXX froze both of our accounts while we were traveling in XXXX XXXX 209 miles from a US Bank branch and demanded we go into a branch. A separate department with US Bank had already requested a copy of identification and released the hold. This hold is arbitrary and unnecessary as the bank has already validated both of our identities. The woman is on a power trip and has clearly never understood the concept of people sharing an address. I demand access to my funds which are DIRECT DEPOSITED into this account.
Product: Checking or savings account

XX/XX/year> Complaint against Synchrony Bank : Ignored instructions to close CD on XX/XX/year> expiration and send funds to me. 

XX/XX/year> received letter from Bank advising my 9 month CD, now valued at {$270000.00}, would end on XX/XX/year>. As requested, I provided instructions not to renew. Send funds to me at close of term. 

XX/XX/year> Received letter from Bank customer service acknowledging receipt of instructions to close account and send funds to me. 

XX/XX/year> Without my knowledge, funds transferred to new 9 month CD despite acknowledged instructions not to renew. Only discovered this when I checked account. 

XX/XX/year> Called Bank to confirm funds from expired CD would be sent overnight XXXX. Was told by person I spoke to ( customer service? ) this would be done. 

XX/XX/XXXX Check not received. Called and new person ( customer service? ) said funds transferred to new CD during 10 day grace/ holding period. Explained to that person those were not my instructions. She transferred me to another person who again stated Bank was holding funds in a 10 day Grace Period. Said person who told me check would be sent overnight was wrong. Who was she!?? She needs to be corrected!! In spite of my acknowledged prior instructions, Bank insisted they were exercising their option to hold funds in a new CD. 

XX/XX/year> Called Bank again asking when funds would be sent. Could not get an answer and was eventually referred to a supervisor named XXXX XXXX. Said she would look into it. 

XX/XX/XXXX XXXX to XXXX XXXX. Said she had arranged for check to be cut and sent to me XXXX She would call me tomorrow at XXXX to confirm check would be sent. 

XX/XX/XXXX XXXX phone call from XXXX. Finally tracked her down and spoke to her around XXXX. She said she had phoned me as promised. I explained to her my cell phone was with me all day waiting for her call, and that my phone does not show a missed call from her. She again said check would be cut tonight and sent overnight XXXX 

At XXXX XXXX account still shows funds in held in new CD so I dont expect check tomorrow. 

Bottom line : My instructions to send funds to me at close of original CD term, acknowledged and confirmed in writing, were ignored. Despite numerous calls to Bank over last 13 days funds remain in new CD. This can not be legal. In addition I expect Bank will try to keep any interest earned on the money last 13 days. 

Can provide supporting documents upon request.
Product: Mortgage

I keep getting denied for a loan modification. I am being told that they cant verify my income. This is not true because I have been sending awards letter from XXXX. 

I have spoken to a representative and they have told me they have had a problem with my taxes. This has been going on since 2016. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, Equifax somehow STILL has these INVALID addresses on my credit report, if you view my XXXX report, you will see that they DELETED all the addresses, but, somehow, EQUIFAX seems to STILL have them on my report, I have tried 5 times before making this complaint
Product: Mortgage

My home mortgage was sold to Mr. Cooper many years ago. Early this past spring, I had gotten a tax bill in the mail that I didn't quite understand and I called Mr. Cooper to clarify and confirm that I did not owe extra property taxes. I was assured that everything was taken care of on their end and that any delinquency fee would not be taken out of my escrow because it was not my fault. I left it at that and more or less forgot about this. This past summer when they re-evaluated my escrow, they concluded that my taxes were nearly double what they were previously and due to that, my mortgage payment went up about {$700.00} per month to cover the escrow shortage. I called their customer service to inquire about this, hoping it was a simple mistake, and I was told that my taxes went up. This did not make sense to me as I live in CA and XXXX XXXX keeps property taxes from spiking from year to year. I spoke to multiple customer service reps with Mr. Cooper and they all insisted that I was mistaken and my taxes, indeed, rose significantly. I spoke with the local tax bureau and discovered that Mr. Cooper had missed one of my tax payments, despite having record that the payment was made. After much digging and poring over statements, I discovered that because of this missed payment, the next bill included the previous installment that was supposedly already paid plus a delinquency fee. Mr. Cooper calculated that bill as being only a 6-month installment and calculated my next year 's taxes accordingly which resulted in my projected taxes essentially doubling. After many hours on the phone, I have finally gotten them to fix the projected taxes for next year. They said they actually did pay the missed tax payment but because it was not the correct amount, it was not applied to my taxes and put in a " suspense account '' instead. I have been informed that when the refund comes from the county, they will credit my account. This still does not address the delinquency fee. This fee should not be my burden to bear as it was not my error. I am not happy with their record-keeping and labeling on my escrow analysis, as they still indicate my past year 's tax amount as the errant amount and I am, at this point, completely untrusting of this company 's honesty and thoroughness.
Product: Credit reporting or other personal consumer reports

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : Account Holder Information : - Varying levels of redaction for the account number across the three credit bureaus. 
- Difference in the length of the account number between Experian and XXXX. 

High Balance : - The high balance amount is different between Experian, XXXX, and XXXX. 

Monthly Payment : - The monthly payment amount is different between Experian and XXXX. 

Last Reported Date : - The last reported date is different across all three credit reports. 

Responsibility : - The responsibility status is consistent across all three credit reports.

Past Due ( 30/60/90 Days ) : - There are differences in the number of days past due for each credit bureau, indicating potential inconsistencies in reporting. 

Remarks : - The remarks on the account are consistent but provide important details about the account 's history.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I qualify for the false certification discharge. Aidvantage my student loan servicer as well as XXXX XXXX the school has made it difficult for me to get my discharge. I had a criminal record prior to enrolling at XXXX XXXX in XXXX. I still have the same criminal record now to this day in XXXX. I have multiple felony charges which disqualifies me from being employed specifically in the field that I studied at XXXX XXXX. I got a degree in XXXX XXXX. I was on XXXX XXXX XXXX XXXX XXXXXXXX would visit me at the campus. The administrators at XXXX XXXX enrolled me knowing that I was on XXXX  and that I had XXXX. I have provided all documentation to XXXX XXXX and to aidvantage that they have requested from me to prove I qualify. I have all documents from the XXXX  and XXXX  XXXX XXXX  clarifying I have these charges and had them prior to enrolling.I have been dealing with this issue for years now sending documents back and forth and it's not getting anywhere. Theres no way I can pay these student loans when my XXXX  background disqualifies me even for just a regular job much less a job in the XXXX XXXX field. The last letter I received from aidvantage was today XXXX stating that they have denied me after years of waiting and going back and forth with documentation. It makes no sense I have provided everything that they have requested from me. I can't pass a background check how do they expect for me to get employed and not being able to utilize my degree.