23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was a student at XXXX XXXX during the summer of 2012, I completed the XXXX program but was denied my diploma because I owed fees, I paid a total of {$300.00} of fees in order to receive my diploma but still have n't received it. I was told until I pay off all the loans from private loaners such as XXXX XXXX XXXX & Navient Department of Education Loan Servicing, in total the amount that will have to be paid is over XXXX dollars. Since graduating XXXX XXXX I was unable to find a job so I decided to join the military to help pay off these loans. I have not received any letter stating why I 'm being charged This amount of money, even though I have n't found a job because I do not have any certificate stating that I have completed the courses that prove I am certified to work as a XXXX.
Product: Credit card or prepaid card

Synchrony bank closed my account for no reason. I have been a faithful customer and always paid my account on time there was no reason that they should close my account. I have needed repairs due on my automobile and now have no way of having those repairs completed. This done during a Pandemic no less, totally crue, heartlessl and irresponsible.
Product: Debt collection

I was contacted in XX/XX/2017 by XXXX XXXX XXXX regarding an amount of {$920.00}. 

this was for medical services. upon investigation, the medical provider made an error when applying the charges to my health insurance provider The medical provider resubmitted the claim to my health insurance company and it was then paid. 

I've contacted both the collection center and the medical provider and asked them to delete the record.
Product: Credit reporting or other personal consumer reports

I checked my credit report and this inaccurate account still kept showing up on my credit report even though I've tried to dispute it before. Please block and remove this inaccurate account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am writing to dispute and address the inclusion of incorrect information in my credit report, which I have previously contacted Experian about on multiple occasions. Furthermore, I have reason to believe that Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) in handling this matter. 
Additionally, I am concerned that Experians handling of my dispute may have violated my rights as a consumer under the FCRA. I believe that Experian has failed to conduct a reasonable investigation into my dispute and has neglected its responsibility to ensure the accuracy of the information it reports. These alleged violations not only undermine my confidence in Experians commitment to protecting consumer rights but also have significant implications for my financial well-being and future opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents to Experian showing them that XXXX removed a chapter XXXX bankruptcy from my credit report and they continue to states that this information is accurate. I have several documents from XXXX showing that they removed this item from my credit file with them.
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ACCOUNT : XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX has deleted mentioned account. XXXX is reporting date filed on XX/XX/2015, while Equifax is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and Equifax reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. Certified mail Tracking number XXXX mailed to XXXX XXXX  XXXX New York XXXX 
I received notice from Bankruptcy Court stating the court is not associated with credit reporting agencies. What is included or expunge from a credit report is determined by the consumer reporting agency itself, not the Court.
Product: Checking or savings account

My wife and I are XXXX XXXX living outside the XXXX. 

We hold savings accounts at First Citizens Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. 

On XX/XX/XXXX, when I logged into our First Citizens accounts, the following message popped up : " Action Needed Our records indicate your account ( s ) requires verification of government-issued identification for regulatory compliance.

Please contact your local branch to review your account information at your earliest convenience. Proper account verification must be completed prior to reviewing account updates. '' This was bizarre and came out of nowhere. Identification verification? The bank took photocopies of both my passport and my wife 's when we opened our accounts.

I did exactly as was required in the message - Immediately I emailed XXXX branch 's manager XXXX XXXX and asked what exactly the bank needs now? 

TEN DAYS PASSED. I received no response from my branch 's manager XXXX XXXX. 

If we lived close to the branch, I would go there in person, but we live more than XXXX miles away. So, on XX/XX/XXXX I emailed the bank 's Customer Service and asked them what does the bank want from us. 

Customer Services replied on XX/XX/XXXX : " A complaint has been filed on your behalf ; your case number is XXXX. You will receive a response, generally within 15 business days ''.

THREE MORE WEEKS ( SEVENTEEN BUSINESS DAYS ) PASSED. I did not receive any response. Meanwhile, this warning message keeps popping up during logging.
Product: Checking or savings account

On XX/XX/year>, I purchased a XXXX XXXX generator from XXXX 's for {$1200.00}. Upon opening the box at home, I discovered that it contained a bag of sand instead of the generator. When I attempted to return the item within XXXX 's XXXX return policy, the store XXXX refused to process the return and implied that I was lying about the contents of the box, stating they don't return generators once they leave the store. However, the generator never left the store because it wasn't in the box in the first place. 

I disputed the transaction with my bank, Navy Federal Credit Union, and they initially provided a credit but then reversed it, stating they found nothing wrong despite being provided with the receipt and the stores return policy. This situation has caused significant financial loss and emotional distress as I rely on the generator for my home-based business, especially during recent power outages in the XXXX, Texas area XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been a victim of identity theft due to a massive breach of information from XXXX files. I have been disputing personal information, court record of bankruptcy, XXXX collection account to all three major credit reporting agencies since XXXX. The only one that has not deleted incorrect information bankruptcy and collection account is Experian. I hired XXXX XXXX to file disputes with Experian monthly and they still refuse to delete both items and correct personal information such as listing XXXX different versions and combination of my full name. Experian is not allowing me to post my personal statement on my file the other two have my personal statement on those reports. As a XXXX, I feel discriminated by Experian through their actions of not deleting bankruptcy and XXXX collection account and not allowing me to post my personal statement. There was a filing of bankruptcy but Court did not accept it and dismissed the case. Never did I participate in the program or any creditor paid.
Product: Vehicle loan or lease

I leased a new Tesla vehicle in XX/XX/XXXX. At the time of the lease I did not sign up for electronic billing or payment, as I wanted ( and still want ) paper bills and to pay by check, and told the sales person that. I received paper bills for a few months, and made payment by check with no problem. During the term of the lease, Tesla unilaterally switched me to online billing without my consent or knowledge, and stopped sending me paper bills. In or about XX/XX/XXXX, Tesla unilaterally notified me that it would no longer accept payments by check, only electronically, which I protested and rejected as a material change in the terms of the lease. I continued to pay by check as I do not wish to give them access to my bank information and for other reasons including tax verification. Tesla then began to claim that some payments were late or show them as " past due '' even though the checks were timely received and negotiated, resulting in purported late fees being incorrectly and unreasonably charged to my account. Tesla also continued to show a prior monthly payment as past due and inflate the balance due on my later online invoices, even though that payment had been received months earlier and was shown on Tesla 's own online payment history. Recently, Tesla acknowledged that they " no longer have a system to process these [ check ] payments on time '' which seems to be resulting in late posting of my payments long after they are received and even after they are deposited and cleared, generating an unreasonable and unwarranted late charge. Payments by check were a customary and acceptable form of payment when I took the lease, and any consumer would have expected that there would be an accurate and efficient system in place to process those payments and post them in timely fashion. Instead Tesla has unilaterally and materially changed the lease terms by not only eliminating that system, but disadvantaging me by manipulating the posting of my payments by check to generate late fees. In addition, I believe they may be forcing electronic payments to obtain data on consumers ' banking information which could either be used for other purposes, or become vulnerable to data breaches. All of this is a " bait and switch '' tactic and an unfair and deceptive practice which disadvantages me as a consumer and I would like the CFPB to investigate the effect on me and other consumers.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Product: Debt collection

I 've sent a letter to this company on XXXX/XXXX/2017. I have no clue what this debt is for and ask them to verify all documents in order to determine anything. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. 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

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to BBB of this fraudulent information. told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have asked Capital One to stop the harassing calls a couple of times now, but the calls continue. I saw 4 calls on my call blocker between XXXX and XXXX just this evening and 3 other calls earlier today. While I do owe on an account, I can not pay it as Im on permanent Social Security XXXX. I can back this up. My husband is permanently retired and on Social Security. Our income dropped when he left work. I told Capital One to stop harassment and collections as we cant pay and to take us to court would be useless. They legally can not do garnishment on ss income and we know our rights under Fair Debt Collection Practices Act. They are violating federal law with the harassing calls. They better stop. Just leave us alone.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I called Equifax to let them know of an inquiry that popped up on my credit report that i had no knowledge of or any ties with. I spoke with someone by the name of XXXX and he said that he couldn't help me. As of today XX/XX/year> the unknown inquiry still remains on my credit report.
Product: Credit reporting or other personal consumer reports

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.
Product: Credit card

On XX/XX/2024 I wrote a check to Synchrony Bank for my monthly payment for my XXXX XXXX. This was my XXXX check # XXXX. It went out in the mail XX/XX/2024. The due date is XX/XX/2024, and the check did not reach Synchrony Bank by the due date! The check should have been there within 10 business days! On XX/XX/2024 I received a text message payment reminder from Synchrony Bank. I attempted to reply to the text but the system doesn't accept replies. Since it was late afternoon when I received the text, I called Synchrony Bank today, XX/XX/XXXX, to ask them if they received the check. They did not receive it. I checked my bank account and it did not process. They said to put a new check in the mail and gave me the address to send it. I asked them to waive the late fee, but they said they could not waive it because it was past the due date! They also said they gave a late fee waiver once before ( the same thing happened once before! ) Their bill says they can charge a late fee of up to {$41.00}. That is what they intend to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from Mr. Cooper, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct Nationstar Mortgage LLC, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. 
Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. 

Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.