23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, TransUnion, and XXXX 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 an account without written instructions. 

The following information is incorrectly reported by Transunion : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and was told XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/20. I was transferred to the credit department and talked to XXXX. XXXX was super helpful and guaranteed me if I paid off the account, XXXX XXXX would delete the account from the credit reporting agencies. I did not have the money to pay off the account and said I would call back. On XX/XX/20 I called XXXX XXXX back. I talked to XXXX in collections. She confirmed If I paid off the full balance they would close out the account delete reporting. I paid the full balance of {$330.00} by debit card. On XX/XX/20 I called again as the reporting was not deleted from my credit reports. I was transferred to a supervisor who said they would not be deleting. If I had not been guaranteed that the reporting would be deleted from the credit bureaus I would not have paid the account off.
Product: Debt collection

On XX/XX/XXXX I called XXXX ( XXXX ) to stop my service that I had for over 16 years. The constant " phantom '' charges, deceptive practices, and most recently from the imposed data limit and unrealistic data overage charges. The customer service representative I spoke to on XX/XX/XXXX communicated to me that my bills were paid and I did not owe any additional money to XXXX. 

Months went by. I received a collection notice from Credit Collection Services inXX/XX/XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ; ( XXXX ) XXXX ) Stating that I still owed XXXX {$220.00}. I called XXXX and told them that I did not owe them any money since I stopped my service and had not incurred any additional fees since my cutoff date. 

They said that I still owed them money. I told them that the XXXX customer service rep stated I was completely paid up. I told them to go look up the call on the XX/XX/XXXX ( since they record them ) and that they would find out that I was telling the truth. They said that didn't have access to the call information. Apparently they had been billing me over the last few months but I never received any statements since I was on paperless billing. In addition I was no longer a XXXX customer I did not have any reason to check my XXXX email address where the bills were getting sent. I could not reason with them. 

A few more months went by and I applied for a loan and the unpaid debt whihc was sent to collection severely ruined my credit score. I called the Credit Collection Services company and spoke to several people. I wanted to pay the debt but not before getting the collection account removed from my credit account. They said they could not do that. 

I called XXXX again and spoke to several people and finally got to a woman named XXXX. She told my that XXXX could not remove the collection from my account. I knew that to be untrue so I asked to speak to someone else. She said there was no one else in the office and that I would receive a call back. Of course I never did. 

I finally called XXXX and took care of the debt. They said they could not remove the collection from my account but that I can start a dispute claim with the credit reporting companies. I hope to do that.
Product: Debt collection

had Identity Thief And A Fake XXXX XXXX XXXX  XXXX Stolen SSN And Opened Accounts Thats Were Closed. Never Received Letters From Them Since. This Person Opened Accounts And Have To Go To Court. Saying In The Texts From Criminals Movers I Have All Your Information And You Don't Paid Your Bills. And Nows Its in A Dark web SSN
Product: Consumer Loan

I have XXXX separate leases on XXXX vehicle all dated the same date ( XXXX/XXXX/XXXX ). ( Yellow Copy attached is my Copy ) and the only one with my signature but wrong months, which I file a complaint with GM about back in XXXX. Second is GM Financials ( their Contract XXXX pages attached ) provided to me on XXXX XXXX, XXXX with a Fraudulent Signature and multiple changes including a crossed out amounts, and several discrepancies including payoff is {$0.00}. Third is Dealership Copy of their Lease which is unsigned. I have notified the XXXX as well as the Attorney Generals Office and have enclosed all paperwork for your file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX XXXX   XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ACCOUNTS TO BE AMENDED : XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2017 I filed bankruptcy on all my debt excluding my current auto loan with BB & T, However my credit report ( XXXX ) shows that car was included in bankruptcy. I have continued to make car payment on time. I still can log into BB & T account online which shows payment due, payment paid, interest amount taken, but statements stop on the online account around time of bankruptcy. I have only recently noticed this when I applied for a credit account at my bank. I logged into my BB & T account and sent email to customer service concerning this issue and have not received any response.
Product: Money transfer, virtual currency, or money service

On this day of XX/XX/2022 I had sent XXXX $ to an email posted in the attachments below. 
I was contancting this man via the XXXX XXXX whilst trying to sell my sailboat. He sent me a very beliveable email from what I thought was PayPal. He stated i nthe email portraying PayPal that he had send me an agreed upon ammount of money equating to XXXX $ USD in exchange for my sailboat. In this email " PayPal '' stated I had excedded my transaction time limit and that he had sent me more money than agreed. " PayPal '' stated that I would recieve XXXX $ USD and that I had been given an extra XXXX $ for this issue. All I would need to do is send him XXXX $ back. Naturally I used the banking transfer app XXXX assoicated with my bank ( XXXX  XXXX XXXX ). I sent him the XXXX $ and he then sent me another email stating that I now had XXXX USD $ in my account and I would need to send him the XXXX $ USD to him in order to be paid for my sailboat. I then realized I was being scammed and proceeded to gather as much information as possible on him and file a report with the Federal Trade Comission for Scam/Fraud . I provided the Federal Trade Comission with his name, address and email as well as telephone number.
Product: Credit reporting or other personal consumer reports

When I saw the errors on my credit report this morning, I was completely taken aback. Ive been checking it regularly, and suddenly these incorrect accounts appeared out of nowhere! I even refreshed the page hoping it was a glitch, but nothing changed. I feel so anxious over this, and Im asking for a thorough check of the documents I sent so I dont have to deal with this again.
Product: Payday loan, title loan, or personal loan

I took out a loan with OneMain Financial for {$7000.00} dollars on XX/XX/2018 My statement dates were the XX/XX/XXXX of each month with a payment of {$270.00} due on or before the XX/XX/XXXX of each month. 

On XX/XX/2018 I received my first statement online and I made my first payment of {$270.00} online XX/XX/2018. The payment breaks down as follows Amount {$270.00}, Interest {$200.00}, Principal {$64.00}, Balance {$6900.00} On XX/XX/2018 I received my second statement and made online payment of {$270.00} on XX/XX/XXXX Amount {$270.00}, interest XXXX, Principal {$60.00}, Balance {$6800.00} On XX/XX/XXXX I received my third statement with a balance of {$6800.00}. On XX/XX/2018 I paid {$6800.00}. To my dismay when I checked my online account I show a Last Statement Balance of {$170.00}? My last statement was XX/XX/2018 and it did not show this? 

On their website it specifically states that this is an interest bearing loan with the following statement. 

The balance shown represents the principal balance upon which interest accrues. The balance does not include any past due charges, such as late charges, because interest does not accrue on those charges. Any payoff occurring after the statement date will include the balance, the loans cumulative past due charges, all fees added to the balance after the statement date, and all interest accrued on the balance after the statement date. 

I paid off four other creditors on the same date and this is the only company that added additional interest when I paid balance in full? What Am I missing other than they trying to rip me off?
Product: Credit reporting or other personal consumer reports

I was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct in what they are doing. All XXXX credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continued has show they lack the responsibility and trust to manage such critical information. Their lack of resources to handle fraud and continual technical issues has been unreasonable as compared to the XXXXwo other credit bureaus. I have reached out on numerous occasions to report technical issues, obtain updates on fraud disputes and they disconnect calls or hang up or continue to pass to another representative.

A recent example is that I needed to have my credit unfrozen, after I had it unfrozen per a Transunion rep, the XXXXredit lender tried two times and confirmed Transunion has not unfrozen it. When I attempt to check on their website, it says it is having trouble providing that status information.

This is just one recent example the carelessness, lack of resources and understanding of the consumer information they hold. They have not resolved technical issues for months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit file, and I request that you reinvestigate the following items : Incorrect and incomplete address information : XXXX XXXX XXXX XXXX XXXX, FL XXXX The inaccurate information on my credit report has negatively impacted my ability to fight against identity theft. I have attached copies of supporting documentation, including my driver license. 

I am aware that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for violating FCRA by failing to properly reinvestigate disputes, delete inaccurate information, and notify consumers of the results of reinvestigations. Given these allegations, I respectfully request that you handle my dispute in full compliance with FCRA, specifically : Conduct a thorough reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information.

Forward all relevant information I have provided to the furnisher ( s ) of the disputed information.

Provide me with written notice of the results of the reinvestigation, including an updated credit report, within 30 days of receiving this dispute. 
Ensure that previously deleted information is not improperly reinserted into my credit file as it has been done so numerous times recently. 
If Experian is unable to verify the accuracy of the disputed information, please remove it from my credit report immediately, as required by law. 

I look forward to receiving confirmation that you have received this dispute. Please respond to my request within the timeframes required by law. If you have any questions or require additional documentation, do not hesitate to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I recently had a XXXX XXXX XXXX through Synchrony Bank. I refinanced my home and used the money to pay off my account. Synchrony would not give me an accurate amount that I owed for closing the account, so I sent more than needed. I have been attempting to get a credit refund from Synchrony for several months now. I made my payment in XXXX, and have requested my refund every 10 days since XX/XX/XXXX. Every time I call them, they tell me the account is flagged and they " will remove the flag and get you your refund ''. This has happened four times now. I feel that if I took three months to pay them, they would charge me a late fee or send my to collections. Now that they owe me, it is nothing but excuses. I let them know that I am a XXXX veteran and need the money for my medical bills, this may have made things more difficult as I do not know Synchrony 's stance on veterans. 

I have attached a " statement '' that is available on my account. It doesn't have any information on it, another example of Synchrony keeping me in the dark.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN COLLECTIONS ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED SEVERAL COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE COLLECTIONS ACCOUNTS LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THESE ACCOUNTS, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE COLLECTIONS : IF THE ACCURACY OF ANY OF THE IDENTIFIED COLLECTIONS ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 
I WANT TO EMPHASIZE THAT THE ACCOUNTS IDENTIFIED AS BELONGING TO THE THIRD-PARTY DEBT COLLECTOR WERE ACQUIRED BY THEM AND DO NOT HAVE ANY CONNECTION TO ME. I HAVE NEVER CONDUCTED ANY BUSINESS TRANSACTIONS WITH THIS DEBT COLLECTOR, AND THESE ACCOUNTS DO NOT REPRESENT ANY VALID FINANCIAL OBLIGATIONS ON MY PART. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 
PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX.
Product: Checking or savings account

I sent my sister {$280.00} after I purchased a tv last week. On the XXXX XXXX  her card number was listed as primary so when I bought it payment was taken from her credit card and not my bank card. To pay her back I sent a check through Chime 's mobile app. When they send a check, unlike every other bank I have dealt with they go ahead and deduct the amount of the check from your account. What they do with that money during the time it was sent until it is cashed, who knows. I've long suspected they are making money from investments from the funds they hold from the debit card refunds. Before the tv was even shipped to me I decided that I didn't really needed and I had the order cancelled. I called my sister that she would be receiving a refund from XXXX on her credit card and went onto the Chime mobile app to stop payment for the check. The representative said he canceled the check and I would have my money in XXXX business days. I don't understand if the check was never cashed then it shouldn't have gone anywhere and it should go back immediately. I'm not sure, but if every other bank does not deduct the funds until it is cashed then it's got to be illegal. They are stealing peoples money to make profits. Profits that should be given back to the people that earned it in the first place and was stolen from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 major credit bureau companies accumulate information on you without your consent : XXXX, XXXX, Equifax ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report that I didn't authorize, I have filed a FTC report as of XXXX XXXX The inquiries are XXXX XXXX XXXX XXXX XXXX AMEX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX