23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this company is reporting inaccurate and unverifiable information on my credit report. They are also in violation of the HIPAA by claiming to have information about any hospital records they they are not allowed to obtain. They are violating my FCRA and the FDCPA because they need certain records to be able to place a collection on someones credit report. They must be able to present a verified address verification items such as full ssn proof of the collection ownership a contract that is sign with my signature as proof of this bill also they must show what was this bill for in order to do that they would need access to records that they are not allowed to access by law so they must remove this XXXX from the other 2 credit reports immediately it was proven to be unverified by XXXX  and yet they still have it showing on my XXXX and equifax accounts i want this removed immediately or i want to see all proof of this collection and if I do not recieve a response in the proper timing you could be fined XXXX dollars
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX  Late Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Late Payment XXXX Account Number : XXXX Late Payment XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following unauthorized inquiries and transunion has refused to delete them from my credit report. There was permissible purpose for these inquiries. 

XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a Chase Saphire Preferred card in the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, AZ XXXX on XX/XX/XXXX. 

Banker took my information and a full application was submitted. After a long wait, it was apparent that there was some sort of error and the application did not appear to go through. Out of an abundance of caution, the banker called the Chase lending department to inquire about the status of the application. He was told that an application did not go through, my credit was not pulled, and was advised to resubmit my application through the chase website directly. 

It was noted that this was a known error when applying for this card in branch, and that I would not be at risk of two hard inquiries. The banker then submitted my application again and I was approved. 

The following day, my XXXX  credit report showed two hard inquiries from Chase Bank. The first on XX/XX/XXXX, and a second on XX/XX/XXXX, the day after my initial application. 

The banker who processed my applications reached out directly to the lending department on XX/XX/XXXX to request that one inquiry be removed as it was the direct result of incorrect information given from the Chase lending department. The agent said there was nothing that can be done, instead passing the blame onto the banker. Again, I was present when the banker called the lending department to advise if my applicaiton had been submitted and was ensured that it had not.
Product: Payday loan

I have a derogatory report for Midwest Recovery Systems on my credit report. I contacted this agency and they informed me this collection is in regards to a pay day loan I have taken out XX/XX/2011. However, I have no knowledge of this payday loan of XXXX . I contacted this number for 5 days straight. XXXX/XXXX/XXXX a lady picked up phone saying " yes! '' then hung up, I called back immediately I was placed on a brief hold then spoke with a XXXX. The debt collector had the last XXXX of my social and email address which he told me they have sent me emails in regards to collection. This is false. I asked him if he had the account this " pay day loan was deposited into '' or the agreement signed or anything and he has nothing or the exact date of loan deposited so I can contact my bank. He did n't even have the contact information for XXXX for me to contact personally to investigate this fraud account. I would have remembered the {$800.00} I borrow which I never have and why would they contact me 5 years later if they had my address. He asked me how would I like to take care of this account. I refuse to pay for an account I have no knowledge of or proof. I disputed with XXXX. The agency and pay day loan is all over the internet as a scam. This collection is on my credit report and is FRAUDULENT. PLEASE HELP. It is on my credit report as collections.
Product: Credit card

In XX/XX/XXXX, I received a letter from Synchrony Bank informing me that my XXXX XXXX XXXX account ( ending in XXXX ) had been closed due to the number of dishonored payments. Upon reviewing my account history, I discovered that this issue was the result of an autopay discrepancy that was completely unbeknownst to menot any intentional non-payment. 

For years, I have manually made payments from my primary checking account ( ending in XXXX ) without issue. However, sometime between XXXX and XX/XX/XXXX, an automatic payment setup was activated on my account without my knowledge or authorization. Not only was this autopay setup something I did not initiate or approve, but it was also linked to an incorrect account ( ending in XXXX ), which belongs to my son, not me. 

At no point did I authorize autopay for this card, and even if autopay had been enabled, it should have been set up with my primary payment account ( XXXX ), not XXXX. Because of this unauthorized autopay error, payments were mistakenly debited from the wrong account, resulting in bounced paymentswhich ultimately led to the sudden and unjustified closure of my account. 

Despite this autopay mix-up, I continued to make manual payments from my correct account ( XXXX ), just as I always have. I had no intention of missing payments, and I assumed that my ongoing manual payments would correct the situation. I never imagined that this autopay issueof which I was completely unawarewould result in the permanent closure of my account. 

Upon receiving the closure notice, I immediately called Synchrony Banks customer service, who acknowledged my concerns and submitted a form on my behalf to review the closure. However, I was given no next steps or clear resolution process. In addition, I have filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  to escalate this issue further. 

I have been a longtime, responsible customer with multiple accounts in good standing at Synchrony Bank. I have always ensured that payments were made, and any missed or late payments were extremely rare. Furthermore, I value the XXXX XXXX XXXX so much that I even participated in a focus group for the card, where I provided nothing but positive feedback. 

Steps I Request Synchrony Bank Take to Resolve This Issue : Reinstate my XXXX XXXX XXXX account, as this situation resulted from an autopay mix-up that was completely unknown to menot from intentional non-payment. 
Correct any negative reporting related to this issue, ensuring that my credit history is not impacted by an error that was outside of my control. 
Investigate how autopay was activated without my knowledge and take steps to ensure that this type of issue does not occur again. 
If Synchrony Bank refuses to work with me on this matter, I will continue escalating my complaint to other regulatory agencies, including the Federal Trade Commission ( FTC ) and state consumer protection offices. 

This was a clear case of an administrative autopay error, and I am fully committed to working with Synchrony Bank to resolve it fairly. I appreciate the CFPBs attention to this matter and look forward to a resolution.
Product: Debt collection

On Monday XX/XX/19 I noticed a missed call from XXXX. I received the call again 2 hours later and a woman identified as calling from Phoenix Financial Services, LLC calling about an alleged medical debt of apx. {$1600.00} and asked if I was interested in accepting an {$800.00} settlement. I stated that was a great offer but would need to communicate in writing only as I can not answer calls while working. The woman abruptly ended the call. In attempting to call back from my cell phone 4 times and office phone 1 time the agent repeatedly hung up without taking my call. This is an abusive practice and violation of FDCPA UDAAP provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two dismissed bankruptcies on my XXXX  report. XXXX  told me that I needed to dispute the bankruptcies with XXXX. I disputed with XXXX and they were removed. XXXX  still did not remove them. XXXX disputed them with XXXX  on my behalf and XXXX  STILL would not remove them.
Product: Money transfer, virtual currency, or money service

My PayPal account was closed for a unknown reason and PayPal refuses to tell me why. 

My PayPal user id is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account held with Caine and Weiner from  XXXX XXXX XXXX XXXX for {$270.00} reporting on my credit reports that is inaccurate. This account was paid in full, prior to ever being sent to collections, and should be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT - # 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 YOU HAVE 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: Credit reporting or other personal consumer reports

Tho account was not charged off I paid it In full I would like it removed off of all 3 credit bureaus they are all reporting differently
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX & Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXXXXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXXXXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, XXXX is aware and has proof in attachment labeled as exhibit A thaXXXX XXXX XXXX XXXX XXXXXXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Debt collection

Franklin Collection Services XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Date :XX/XX/2020 Amount : {$1200.00} I disputed and it still in my credit report this debt is not mine and I demand be taken off my credit report if its not taken off I will file a complain to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial is in violating my rights as a consumer under laws 15 USC 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.

15 U.S Code 6802 Obligations with respect to disclosures of personal information ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a - Definitions ; rules of construction consumer report ( 2 ) Exclusions. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

Equifax lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.
Product: Checking or savings account

My Name is XXXX XXXX and my mom XXXX XXXX XXXX XXXX and I had two joint accounts : checking ( act # last 4 - XXXX ; and XXXX XXXX  ( act # last 4 - XXXX ). 

She was diagnosed with a XXXX XXXX XX/XX/XXXX and I arrived at her home from Wisconsin on XX/XX/XXXX and took care of her at home until her death XX/XX/XXXX. 

Shortly after my mom passed, I called the Bank of America to notify them of her passing and asked these two accounts be closed. They told me a form would be mailed and to complete it and send it in and the two accounts would be closed. I arrived back home in WI on XX/XX/XXXX and did not receive the form in the mail until mid to late XXXX. I completed it, enclosed a copy of her death certificate and sent it to them and never heard anything back from them. 

Around the time my mom died, I noticed on the monthly bank statements the bank started charging a new {$25.00} fee each month for the checking account which had never been charged before. I called them and the person I spoke with said it was a new fee and I asked what it was for and he said it was a new fee and he didnt know what it was for. I asked for the fee to be waived since it was new and given the circumstances of my mom passing and me wanting to close the two accounts. He talked to someone else while I was on hold and came back on the line and said fee could not be waived. 

My brother recently mailed me a check and also enclosed two of their bank statements they mailed to my moms address with the last statement ending XX/XX/XXXX. I received his envelope today from my brother. The bank has not mailed any statements to my home address which they have on file. 

The bank has continued to charge the checking account {$25.00} a month and nothing indicates these accounts have been closed despite mailing the required completed form and death certificate to them over 2 months ago. The checking account shows a NEGATIVE balance of {$48.00} as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX XXXX  from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.
Product: Credit reporting

The creditor is capital one. They are reporting that I owe {$150.00}. I settled the balance in XX/XX/XXXX. They reported it as unpaid in XX/XX/XXXX. They are refusing to update the credit bureau. I called capital one numerous times and they will not correct the records.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I first notified the credit bureaus XXXX, experian and XXXX  of fraudulent accounts I noticed reporting on my profile. I have sent XXXX certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION ARE REPORTING ALL OF THE ITEMS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND I HAVE REACHED OUT AND ASK THAT THEY BE INVESTIGATED AND REMOVED. 

XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Auto  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

2 accoutns popped up on my transunion, they are the result of identity theft, transunion has not blocked them. 

XXXX XXXX ( I have never heard of this company ) I have submitted complaints her for them, but the CFPB is never able to resolve it because they can not get into contact with them, and has even sent it to the FTC for investigation. 

the other is XXXXXXXX XXXX, which is for a XXXX  XXXX card I haven't had, I have had ONE XXXX XXXXXXXX card which was paid off in 2018, I never got another one after that. 

I have provided all the required documention the FCRA requires, and it has yet to be blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts was charged off XXXX XXXX XXXX XXXX XXXXXXXX FIN. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account XXXX : XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXXXXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/2020 XXXX