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

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate information on their credit report. However, in my case, the three major credit bureausXXXX, Equifax, and XXXXfailed to fulfill this obligation. Their investigation was neither comprehensive nor sufficient, as they did not properly verify the disputed information or consider the supporting evidence I provided. This negligence directly violates the FCRA, which mandates that all disputes be handled with due diligence to ensure the accuracy and fairness of consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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. 

I have asked Experian, and XXXX for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that Experian and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX with absolutely no proof Just a bill with my name that looked like my XXXX XXXX XXXX son could have made on word. 
so my question is if I cant get propper validation from XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter
Product: Debt collection

Patient : XXXX XXXX XXXX [ XXXX XXXX XXXX  on this email ] to STOP collections. 
Patient : XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS REF : XXXX XXXX : XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX We would like to stop the process of collections- as we have tried to sort this dispute for months without getting a firm response on how to find a solution from any of the parties. 
Weve provided all proof needed of paid bills that were my resposability, including credit card stamens and receipts. When we spoke to entities last year- they confirmed they would be under investigation And not to pay any fees until we received and outcome but it was never resolved. 

WE hace continued to inquire and we do not want any debt or collections affecting our credit, We have contacted both entities in several occasions and they keep passing the reputability from XXXX XXXX XXXX XXXX without any resolution. 

We tried for months to reach out via portals, websites, e-mail [ see XXXX ], spoken to staff and medical office and calls and we keep going in circles. 
After receiving attacheed letter- we are following up with dispute claim based on instructin. 

At this point we would like to dispute ALL the amount or be informed and finally clear any discrepancies to put this to bed, We will contact the XXXX XXXX XXXX to request the right to STOP or limit contact as we do not know what else to do and getting continious letters of pending debt is troubling the patient and causing negative health effect for something weve been willing and insistent to resolve for months. 


Please advise on resolution or different action to clear and be able to move forward. 
Thank you. 




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

I dispute this debt. This account was placed on my credit report without giving me the opportunity to pay the debt. I have reached out to the collection agency to resolve the matter and was told that if I agree to pay the debt that they will delete the account from all three credit bureaus ( XXXX, XXXX, and XXXX ). Which I have in writing from XXXX XXXX XXXX, at Collection Receivables. However as of today, I have paid for the account to be deleted on on XX/XX/2021 and two months later, the negative account remains on my credit reports. I would like this matter to be resolved by having the negative account, Collection Receivables/ XXXX XXXX, removed of my XXXX, XXXX, and XXXX report.
Product: Debt collection

Comenity Bank has called me as frequently as 10 times a day for at least a month. When I block one number, they use another. I have been woken up several times due to their calls.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, that I reported to NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, yet they are not removing these fraudulent accounts. NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

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

I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting.

XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX this is not my account I never had a account with this company.

XXXX XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent.

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as XXXX XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
Product: Credit card or prepaid card

I disputed a charge with XXXX via American Express. American Express denied my claim without reading the rationale for why I disputed the charge. American Express stated that It was my responsibility to cancel the booking, however as it was discussed in my documentation, I did try to cancel, however XXXX would have charged me in full for the cancellation. 
Furthermore the host tried to have me agree to terms and conditions that were not disclosed prior to booking, that I did not agree to. This is a violation of the Fair Credit Billing Act. If the agreement is not agreed to I can not be charged.
Product: Debt collection

On XX/XX/XXXX I came home and had a court ordered document taped on my door for everyone to see. I was out of the State for a few days because of a family emergency so I am just receiving the notice. I was never contacted by phone by a constable. I left to go out of town on XX/XX/XXXX that afternoon and it shows on the document that it was left on XX/XX/XXXX at XXXX. I was never served by the constables or by certified mail. I live in an apartment complex which anyone has been able to walk by and see the documents with personal information on it. We are in a pandemic right now which funds are very low because I am a single mom. I am being sued by Portfolio Recovery which XXXX is the original creditor. The amount I am being sued for is in the amount of XXXX. A few weeks ago a lady came to my door and wanted me to open but refused to identify herself. I live alone with my son and I am taking every steps to avoid being around anyone who is sick with COVID-19. The lady kept telling me I needed to open the door so she could hand me a document but I told her that I needed to know what this is about and there is no way I'm opening my door for a random person. I asked if she could leave the document and she refused. So again instead of me being properly notified meaning by certified mail or by a constable the court document was taped on my door with personal information and for the apartment complex to see. 

On the court document it says that the petition was filed on XX/XX/2020 but papers was left on my door on XX/XX/2020.
Product: Mortgage

I have been paying my mortgage by direct withdrawal for the life of the mortgage approximately 15 years. I am now being harassed by XXXX that my mortgage has not been paid since XX/XX/XXXX. I have notified them that if my mortgage has been sold the new mortgage holder apparently not getting the money. This has now been going on for more than a month. I have sent letters to all concerned parties that I am aware of Freedom Mortgage, XXXX XXXX, XXXX, and XXXX XXXX. I have not been informed of what they are doing to correct this situation. On XXXX/XXXX/15 I received an email that again my payment will be coming out of my checking account on XXXX/XXXX/15 as has been the custom since the beginning of my mortgage. I also received a late notice for my tax bill which I received the XX/XX/XXXX and sent to the mortgage company the very next day. I am sure that my credit has been jeopardized and refuse to look as I do not want to get any more upset than I already am. At this point do not know who or where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion to stay up to date with my file. I asked the negatives on my file and I was told that XXXX XXXX was NOT on my file and had been removed. 
Once I received my report last week after a NEW dispute XXXX XXXX is once again showing on there. 
When I called TransUnion the representative had no explanation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

General Information Services ( GIS ) furnished a background report on me and submitted information to an employer that I applied with. The information that the reporting agency submitted is not supposed to be sent to the employer due to the fact that the state I live in has restrictions on what the agency can and can not report. On the background report, the agency submitted information that is past seven years but the state of Texas does not allow agencies to report information beyond seven years if the job pays less than {$75000.00} annually. Here is the Business and Commerce Code for the state of Texas XXXX : XXXX # XXXX Other research that I have found on this issue : XXXX The use of older cases Whereas the FCRA does not allow the use of any non-convictions older than seven years, several states go further and ban the use of any case older than seven years, even in instances when there was a conviction. XXXX states place restrictions on the reporting of ANY case information older than seven years. These types of restrictions are found in the following states : California, Colorado*, Kansas* , Maryland*, Massachusetts ( additional limitations are put on the reporting of misdemeanor offenses ), Montana, Nevada XXXX New Hampshire*, New York *, Texas *and Washington*. 

( * indicates exceptions based on salary. )
Product: Debt collection

Please delete the alleged item because t he Opening Date  is inaccurate and incorrect. I have never opened an account with GRC. Please show valid proof of my name and signature on a valid contract or document.
Product: Credit card or prepaid card

i received a letter from Synchrony bank dated XX/XX/2020 and they have decided to close my acct with Sams. This is the second one in a year Synchrony bank has closed my acct. i have never missed a payment with any account issued by synchrony bank and they have lower my credit limit and then decided to close my account without any notice. Synchrony closed my JC Penny credit card last year and now they decided to close my Sams credit card last week without any notification.  Both of my credit cards have XXXX balance on them, but the fact Synchrony bank close my account without prior notice was inconsiderate and disrespectful. I have increase my credit limit on most of credit card except for these two. i don't wish to ever get credit from this bank again.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block Inc ). Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was a victim of a serious fraud and extortion scheme where I was repeatedly threatened, including with death threats, to comply with the scammer 's demands. Out of fear for my safety and my life, I was forced to send money to various phone numbers using XXXX XXXX. To comply with these demands, I deposited fraudulent checks into my bank account and immediately transferred the funds, as I was instructed. 

At the time, I was unaware the checks were fraudulent. I only followed the scammer 's instructions because I was terrified. After the checks bounced, I was informed by Bank of America that I am now responsible for repaying the funds. However, this situation is not right or fairI was coerced under threat and acted out of fear for my safety. 

Bank of America claims they " cant do anything '' because I made the mobile deposits myself, but this completely ignores the fact that I was under duress and a victim of a scam involving clear criminal activity. I have already contacted the police, and they are aware of the threats and the fraudulent nature of the transactions. 

I am requesting that the bank investigate this matter further and consider reimbursing the lost funds, as I am not at fault for being targeted in this criminal fraud scheme. I complied under extreme duress, and I believe my situation deserves fair and thorough consideration. 

For reference, the event number is : XXXX
Product: Student loan

XX/XX/2020 - I paid my daughter 's five ( 5 ) loans that I am co-signer. Sallie Mae correctly applied four ( 4 ) of the loans ; however, they applied the payment for the account ending in XXXX in the amount of {$74.00} incorrectly. Instead of applying it to loan XXXX, they applied a portion of the {$74.00} in small amounts to the other four ( 4 ) loans. 

XX/XX/2020 - I called customer service and was given the website upload.salliemae.com to upload proof of payment. The website doesn't exist. You must go into your account, log-in, and go to other forms and then you can upload the document. I sent them the proof from my bank, XXXX 's, web bill pay company showing proof of payment. 

I continued to receive daily phone calls and emails that the account was delinquent. 

XX/XX/2020 - I called customer service again and was told that the document that I sent wasn't sufficient proof and needed to send a bank statement with my name, account number, and payment to prove that I paid. I don't receive my bank statements until the end of the month so I had to wait. In the meantime, I also submitted a request with my web bill pay servicer to investigate and work to resolve the problem. 

XX/XX/2020 - Redacted my bank statement and faxed and uploaded it to Sallie Mae. 

XX/XX/2020 - Web Bill Pay emailed that Sallie Mae wouldn't speak with them and that I need to do a conference call with them and Sallie Mae. We called Sallie Mae and I was told that my account was now with the delinquency division. We were transferred. We were on the phone with Sallie Mae for 45 minutes. They confirmed that they'd received my bank statements and were sending them to the resolution unit and it would take at least three ( 3 ) days to update the account. My web bill pay company also faxed proof of the ACH payment from XX/XX/XXXX to Sallie Mae. 

During all of this, my daughter was working to refinance her Sallie Mae student loans with XXXX XXXX XXXX. 

XX/XX/2020 - I XXXX  and found the number for the Office of the Customer Advocate for Sallie Mae and spoke with XXXX ( ext. XXXX ). She said that they'd received the proof ; however, she couldn't email or mail me a letter indicating that account XXXX was timely paid and an error on Sallie Mae 's side caused the account to be delinquent for a few days. I told her that my daughter 's loan refinance was being held up because of Sallie Mae 's error. Her loan approval expires on XX/XX/2020. XXXX offered to do a conference call with XXXX. 

I am filing this complaint because I am sure that I am not the only one experiencing issues with Sallie Mae. Their error has cost me hours trying to prove that payment was made and may cost my daughter the refinancing of her loan. We also have to pay Sallie Mae the XXXX payments which are {$500.00} more than our payment would be with XXXX.
Product: Credit card or prepaid card

This is a follow up complaint to a recent complaint I submitted : XXXX. 
In XXXX XXXX 's ( Office of the President ) response, she states that I did not apply for the Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard " using XXXX ''. 
That is a false statement. I did so following the instructions on the application handout the flight attendant provided on an XXXX XXXX flight. On the front of that handout it offers " {$0.00} intro annual fee for the first year {$99.00} ''. On the inside of the handout it states, " Earn XXXX bonus XXXX  miles after making your first purchase within the first 90 days ''. Barclay 's opened my XXXX  Mastercard on XX/XX/2021, and I made a {$20.00} purchase using it on XX/XX/2021. However, when I applied online, the site switched the terms to " Earn XXXX XXXX  bonus miles after making your first purchase in the first 90 days AND PAYING THE ANNUAL FEE IN FULL, BOTH WITHIN THE FIRST 90 DAYS ''. Because I did not pay the annual fee in full within the first 90 days, Ms. XXXX states I am not entitled to the XXXX bonus miles ; however this conflicts with the handout, misrepresenting its offer. This is nothing but a fraudulent bait and switch. 
In addition, Ms. XXXX stated in her response to my initial complaint, " As a gesture of goodwill I have added XXXX miles to your account ''. This is an absolute lie. 
To preserve my excellent credit rating I have paid the {$99.00} annual fee until this matter is resolved. Lastly, in Ms. XXXX 's response she states : " If you have questions, please call me directly at XXXX ''. I have tried to call her several times. She never answers. 
So I was forced to leave a message, which she never called back.
Product: Checking or savings account

On XX/XX/2018 I went to a branch at BB & T to STOP the authorization of Overdraft Protection. I signed all necessary paperwork and still have not been unenrolled in this program. It has cost me {$300.00} worth of fees in 3 three months.
Product: Debt collection

I have never had a debt with this company signed by me in XX/XX/2018 2018