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

SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, XXXX, and Equifax about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. I am a XXXX XXXX currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.
Product: Bank account or service

My mother had passed in 2009 and XXXX XXXX wrote checks against my estate account forging my name, removing approximately {$100000.00} from my estate account. M & T was aware of the fraud and the bank has refused to credit my account for the {$100000.00}. XXXX went to XXXX for a year, therefore I need your help in getting M & T to credit my present checking account for the $ XXXX.My signature was the only signature on the account.
Product: Credit reporting or other personal consumer reports

This account has been charged off on the following date : XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. After several attempts to have it properly investigated, my request was neglected and has violated my rights. I am demanding a deletion of the follwoing account : Account Name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

The stolen trust account checks the criminal XXXXXXXX XXXX XXXX XXXXXXXX XXXX fake XXXX is fake a Crime were the same trust account checks established by the office of the currency as XXXX # XXXX and are violating federal law an XXXXXXXX XXXX that committed several criminal offense you corrupt regulatory complaints XXXX XXXX she lied to me she said YES my missing SSI benefits are there to n the XXXX XXXX XXXX account and she would get it to me. I told her XXXX and XXXX  check fraud investigator told that fake SSN number above led to that account.and you sent this fake letter dated XX/XX/year> that I have never received until today because after XXXX complaints about your employee XXXX XXXX telling me on XXXX at XXXX spoke XXXX minutes telling me my loan is there fraudulently. XXXX XXXX  XXXX are breaking the Law and must be fined by the CFPB ain't no way around fining boa these are liar and crooks and you can not lie and say you protecting a criminal that committed a crime against an American citizen to avoid festing up that the bank committed the fraud led by XXXX XXXX of XXXX XXXX. The fraud has been a confession by XXXX XXXX XXXX of XXXX title as fraud CFPB XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX. But the resolution complaint is XXXX XXXX fraud by XXXX XXXX XXXX 21 years that on the bottom of your letter attached you fraudulently imposed on the legal owner of the property that has been verified by XXXX XXXX XXXX XXXX XXXX. You violating the FCRA laws there has never been a XXXX loan debt imposed on me and XXXX deleted the false foreclosure information from the record and is now headed for a resolution but XXXX XXXX XXXXXXXX must stop all the lying and fraud and be fined by the CFPB.
Product: Debt collection

I received a notice of collection for a bill that was never received. XXXX send bills by mail if a transponder didn't work. they claim they sent multiple notices but I have never received either notice and they charged an XXXX admin fee for a {$21.00} toll. I have called the NCC ( debt collector ) and XXXX and they keep referring me back and forth with no resolution. The reference number for NCC is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I got a call from SS Recovery over student loan at XXXX, a XXXX bill over getting committed last three weeks of school, and one wF out of fur grades meaning i owed them XXXX three years ago. I ; ve disputed the bill but decided to pay it off XXXX a month XX/XX/23 and gave them my acct number to take it out of only to have them declare XXXX delinquent on my credit reportas a write off. I want to pay the whole thing off when i can, next month, when my Dads estate is settled and I receive inheritance for sale of his house, but its already making black mark on credit report since i agreed to pay it.
Product: Mortgage

I was laid off in XXXX due to covid 19 and i am on unemployment, my wife is working but doesn't make enough to pay the mortgage payment. both my unemployment and her pay is not enough to pay my mortgage. we requested forbearance but mortgage company rejected and asked to make 3 months payment or they will foreclose our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the covid 19 global pandemic I was unable to make my payments on my XXXX  account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 it states I have the right to privacy, 15 USC 1681Section 604 A, Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a credit agency may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this gym. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.
Product: Student loan

My IBR Income Re-certification was denied without any notice. I sent the paperwork I thought they needed including linking to the IRS. Because I didn't know that my re-certification had been denied I was bumped off the IBR payment plan. Not only did this cause my next automatic payment to increase over 100x, it also capitalized over {$60000.00} is interest onto my principal balance. Loan servicers should be required to me much more transparent and proactive when it comes to such a consequential event. I can't imagine any other venue in live where a charge of {$60000.00} would happen without significant notice in multiple forms. 

Side note : linking to the IRS should be easy and automatic, when I tried it it refused to link to the most recent year and linked to the previous year instead which created some of the confusion in this process.
Product: Student loan

Hello, and I hope all is well. Fed Loan Servicing continues to furnish repeatedly with the same account number XXXX with multiple late-payments. Due to the abundance of identical accounts, these actions from the credit reporting agencies caused a major decline in my overall credit and creditworthiness. Requesting one account with the overall amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account please XXXX < Back Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) Account status Open Type Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX Report info A Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Today Credit Cards $ Loans Money 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the US Code Laws, Charge Off Accounts must report a zero balance on your credit report. I checked my credit report and found so many discrepancies, I demand a full and thorough investigation on all charge off accounts, original signed documents with my signature and proof of unknown inquiries. Also I have no affiliation with these addresses on my profile XXXX XXXX XXXX Balance {$510.00} Status Collection account. {$510.00} past due as of 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 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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems collection for what it says was my direct tv account. I have submitted both the last bill amount they are saying was owed to them, which services were billed a month in advance anyways so I shouldn't have, had a bill when service terminated. They on numerous previous disputes to them on amount said the never received equipment back which I was able to prove they did back when the collect was under XXXX before they sold the debt. I have not had them in 7 years easy so all the dates are incorrect. Everyone keeps selling this debt and I have to start the process over and over
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of XXXX XXXX  coerced into being a co-signer on a vehicle that an individual did not pay on or settle. Im a victim and shouldnt go through this. I will get a lawyer if I have to. This has been going on too long and none of the credit bureaus seem to care. I need this fixed immediately it was done to hurt my finances. Ive disputed it countless times and havent received a positive result.
Product: Checking or savings account

My account has been closed since XXXX cash app has since closed my account, sold my stocks and will not allow me to access my funds. Customer support representatives have hung up on me and have been really rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information
Product: Checking or savings account

On Friday, XX/XX/XXXX, I noticed that I was charged a monthly fee of $ XXXX since XX/XX/2022 for a total of {$160.00}. I went to the branch office at XXXX XXXX XXXX XXXX, XXXX, TX XXXX on the same day and spoke with a Regions Bank teller with regards to the fees. I asked for her help if she could waive the fees as I didn't know that Regions Bank charged me $ XXXX without notifying me through email or via mail. The teller told me that she couldn't waive the fees and advised me to contact a customer service at XXXX. 

Today, XX/XX/XXXX, I called Regions Bank customer service and explained to her my situation that I was charged a monthly fee of $ XXXX with a total of {$160.00} since XX/XX/2022 or for 21 months. I spoke with the supervisor and asked her if she could waive all the fees as I didn't know that Regions Bank kept on charging me $ XXXX fees. She mentioned that my account was inactive as I never used my account and my statement was changed from monthly to quarterly. I never received notification from the bank for all of the information that she mentioned. She said she could only waive up to 3 month-fee, with a total of {$24.00}. I asked her if she could waive all the fees ( {$160.00} ) as I never received any bank statements or notifications from the bank either by email or mail and was not aware of the fees. She said she'd like to help me but her system would not allow her to waive beyond 3 month-fees. 

In light of this, I filed a complaint and asked for all fees ( {$160.00} ) to be refunded to my account as Regions bank never sent me any notifications, statements or account inactivity as a good faith to notify their customers so their customers can take an action immediately to prevent all the fees. I am not willing to pay for {$160.00} fees that could be prevented to begin with and please refund all the fees ( {$160.00} ) that have been charged to my account for 21 months. 

I appreciate your help to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.
Product: Debt collection

Multiple wrong # phone calls made with an auto dialer from TD Auto Finance, no tcpa consent given. Efforts made to answer calls with no one on the line, and contact made and advised that wrong # and do not contact request given, continued calls the same day and the following day. 

Date Time Note XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Answered to advise Do Not Contact, no one on the line for several seconds then they disconnected the call.

XX/XX/XXXX XXXX XXXX Answered spoke with a female who asked for XXXX XXXX or XXXX?, advised that they have the wrong #, not to contact this phone # again that this is a place of employment, agent said have a great day and disconnected the call.

XX/XX/XXXX XXXX XXXX   Called again the same day despite previous Do Not Contact request, answered to advise of this, but no one on the phone for several seconds and then they disconnected the call again.

XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the XXXX major credit reporting agencies, XXXX XXXX, Experian XXXX, and XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX Pl XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Pl XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX : XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights XXXX a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer.

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,
Product: Credit card

Customer Service of Synchrony Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, Since I could not use your company credit card and assumed my credit card ending in XXXX was closed, I tried to contact with senior specialist, XXXX XXXX XXXX XXXX ( XXXX ) XXXX extension XXXX from XXXX XXXX every hour until XXXX just to ask and make sure the card was closed for the security. I asked this person, XXXX, not to call back to make sure this person was the right person. I realized there was a call from the number, XXXX ( XXXX XXXX, XXXX  ) from this person, XXXX. He suggested I had called several times for some concern. My concern, or whatever is whether the card is closed without any announcement, even though I asked the company to close it. I asked in the voicemail of XXXX to send the bill for this closed account since I did not have the intention to pay through online for the security. Anyway, I assume your company could not solve the issue of reward certificates. Otherwise, your company should explain everything. 
Sincerely,
Product: Student loan

Predatory Lender - Discover Student Loans For years I pay {$500.00} per month through auto pay. 

XX/XX/XXXX and XX/XX/XXXX Discover reduced my auto payment to {$170.00} without my permission. 

When I called Discover they used a computer cliche as an excused for reducing the payment. This cost me {$50.00} more in interest and they only compensation me {$10.00}. 

My concern is for the thousands of others crushed by student loan debt who they may suffered. 

XX/XX/2018 Loan XXXX {$10.00} Paid ( compensation ) XX/XX/2018 Account XXXX {$500.00} Paid ( corrected auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$500.00} ( prior years monthly payment )