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

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX, XXXX, XXXX, 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, Wells Fargo student loan, loan # XXXX. The loan came out of deferment in XXXX, 2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted Wells Fargo to update my address and set auto pay to ensure timely payments. 
As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested Wells Fargo retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay. 

Wells Fargo refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and Wells Fargo should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately. 

Thank you very much for your assistance with this matter. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$510.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$460.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$590.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXXBalance {$360.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$680.00} PORTFOLIO RC ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX ) - XXXX-Balance {$960.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX-Balance {$640.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXXBalance {$1100.00} PORTFOLIO-XXXXXXXX-Balance {$510.00} PORTFOLIO-XXXX-XXXX-Balance {$640.00} PORTFOLIO-XXXX-XXXX-Balance {$360.00} PORTFOLIO-XXXX-Balance {$590.00} PORTFOLIO-XXXXXXXX-Balance {$460.00} PORTFOLIO-XXXX-Balance {$680.00} PORTFOLIO-XXXX-Balance {$960.00} PORTFOLIOXXXX-Balance {$1100.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that you block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under XXXX : Charged off, past due amount : {$300.00}. 

An auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$4200.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX. for a balance of {$610.00} under Status : Collection account, past due amount : {$610.00}. 

A collection account opened at XXXX XXXX XXXX for a balance of {$750.00} under Status : Charged off, past due amount : {$750.00}. 

A collection account opened at XXXX XXXX XXXX  for a balance of {$230.00} under Status : Charged off, past due amount : {$230.00}. 

A secured loan account opened at XXXX XXXX Bank on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. 

A collection account opened at XXXX XXXX on XX/XX/XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}. 

An unknown collection with {$120.00}, account number XXXX from XX/XX/XXXX under Status : Collection account, past due amount : {$120.00}. 

A collection account opened at XXXX  on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. 

These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. 

I demand that you investigate this/these matter ( s ) immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Product: Debt collection

I had a phone conversation with a representative from a credit collection agency : XXXX XXXX XXXX XXXX Representative Commercial Division Radius Global Solutions LLC XXXX : XXXX Fax : XXXX XXXX www.radiusgs.com This individual broadcast the collection of debt throughout the entire corporation and to outside business that have zero responsibilities, authority, or knowledge of the circumstances and lack of performance by Salesforce XXXX 
During our conversation without my knowledge or permission. The representative did not disclose that he was from a collection agency or that the purpose of the call was to collect a debt. The conversation quickly turned hostile, with the representative using an abusive tone and refusing to allow me to explain the circumstances surrounding the failed delivery of services. Despite the lack of implementation of services and features, the agency continued to bill for them. 
I have numerous emails supporting the abusive behavior and tone, and the {$27000.00} plus amount that this individual said is owned. 
I am writing to file a formal complaint against [ Collection Agency Name ] for their conduct during a debt collection process. On [ date ], I had a phone conversation with [ Collection Agency Representative Name ], during which they recorded our conversation without my knowledge or consent. Additionally, [ Collection Agency Representative Name ] used abusive and condescending language and tone, and lied about the circumstances of the debt. 

Furthermore, this individual did not provide me with an opportunity to communicate that payment had been withheld due to the failure of XXXX to deliver promised features and services, as well as the lack of follow-through. I have also been billed more by their recommended service providers without receiving the promised inservices. 

I believe that [ this company has violated several state and federal laws, .request that you investigate this matter and take appropriate action against XXXX and Radius. 

Please let me know if you require any further information or documentation from me regarding this complaint. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I received a robo call from a company I have never heard of. 
Here is the voicemail " Federal law designate this matter as a confidential notice for wrong name. If this is not wrong name please hang up now. If this is wrong name please continue listening to this message you not listen to this message where others can hear as it contains confidential information. There will now be a three second pause. Hello. Unfortunately we've received a notice on your file. It is now Wednesday XX/XX/XXXX and your file has reached our office. Due to your failure to respond we do need to know what was done intentionally or was it was an oversight. I think if you communicate. We are open until XXXX XXXX  today. The phone number is XXXX .... '' In the voicemail mail the automated voice changed 4 times. They also listed an account number and to go to a website to make a payment. 
I do not have any outstanding debts to start with. I have not recieved any notification of this debt besides the phone call. This company should not be calling and after research I found this company is a scam. 
I have been on the Do Not Call registry since XX/XX/2003.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card

In XX/XX/year>, I obtained a XXXX XXXX credit  card and was coerced into enrolling in the PAYMENT CARD SECURITY program. I did NOT select the box for it!!!! And did not realize I signed up for it. It was already selected. 

I only realized this was being charged on my card recently when my daughter-in-law asked me what the charge was on the card. All this time I just thought it was required, not optional. So since signing up for the card and unknowingly enrolling in the program in XX/XX/year>, I estimate I have paid upwards of {$1900.00}. I am already retired and would have never been able to realize any benefits of this program so this was just an egregious lending practice for me at my age. 

My daughter in law also found others with complaints about this and it seems like a bad predatory practice that the CFPB should be addressing with Synchrony bank.
Product: Checking or savings account

Have visited the bank branch 4 or 5 times -thats 5 hours of driving on a two lane road. 
Have been there today, XXXX XXXX to ask manager to do something and she called the bank card division who have repeatedly told my wife and i that " the accounts all have been closed. After the last trip to the bank, we got a statement that doesn't mention the account is closed and in fact, owe the bank {$4.00}. We were told that the last time we were there that we owed to fulfill our obligation on the bank card. 
We then paid a large sum of money to settle any transactions on the bank card. 
It seems the bankcard office doesn't communicate with the Bank of the West branch here in XXXX XXXX. We need to know all our accounts are closed, but no one can tell us that fact. We travel to the XXXX a lot as my wifes ' family are over there. 
I lost count of how many time we've called the bankcard people to tell them we are going overseas and need the card to not be restricted. Numerous times we went to pay and the card was rejected in the XXXX .This is stressful at the least for us traveling.and because of the 7 hour time difference, cant rectify this on a phone. This is sloppy and indicative of an institution that does give a care about its custiomers.
Product: Debt or credit management

I received a text from TrueAccord on XX/XX/XXXX at XXXXXXXX XXXX. It included a link to pay a bill. I have never been overdue with a bill in my life so I ignored it. 

I received another text on XX/XX/XXXX at XXXXXXXX XXXX stating that they are trying to collect a debt. 

As a XXXX XXXX I feel this is a predatory phishing attempt to get me to pay something I don't owe. 

On XX/XX/XXXX I called TrueAccord at XXXX XXXX CST and told them I have no outstanding debts. The person transferred me around a bit and then I was spoken to rather rudely and was told my number was given at a legitimate phone number for the debt. I asked who gave me my number and was told that they can't give that information out! She said she'd remove my phone number from the list. 

However, this doesn't solve the greater problem as I have received other phone calls for outstanding debt and the person claims my number is a " good '' number to call.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX  XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was a victim of Identity theft I have reached out to all 3 major credit reporting agency XXXX, XXXX and TransUnion these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about 09/15/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )
Product: Credit reporting or other personal consumer reports

I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.
Product: Credit card

Discover card has failed to offer the award I earned by using discover card. Discover card has made a mistake with my dispute of a charge. As the result of Discover card 's mistakes, I lost {$47.00}. I refused to pay Discover card for the amount I lost. Then, Discover card repeatedly charge late fee over {$100.00} and interest for the balance I am not responsible.
Product: Consumer Loan

I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a change in my credit score few weeks ago and when reviewing my payment history is not correct and an account that was showing closed and reporting properly is now showing up correct I filled a dispute with XXXX XXXX XXXX and it said that the info was showing correct. I had filed bankruptcy and was discharged XXXX XXXX  XXXX. this debt was part of that and has been reported properly since then. i then reported the issue to the company conns, due to the false reporting. first they responded saying the info coming from XXXX XXXX is not up to date, and that i need to use the credit report from the actual credit report not third party. so I got a 2 reports and and sure enough is showed changes made on XX/XX/2022 adding an amount to my balance, and on the other a balance being added XX/XX/2022 for both XXXX. I then send said screen shots of their respective info from my report and asked to be corrected and they still refuse to fixe it. this is now becoming slander and false reporting and they know that this account should be closed and they have that is was in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open credit card accounts : XXXX XXXXXXXX XXXX XXXX Reported XX/XX/2018 Balance : {$380.00} / {$300.00} XXXX/XXXX Reported XX/XX/2018 Balance : {$590.00} / {$500.00} " Identity Theft Victim / Equifax Data Breach '' I never authorized ( authorization ) too pull / view my credit report too open accounts!!!
Product: Credit card or prepaid card

American Express ( AMEX ) has an online website that I use for payments. I made an online payment for the full statement amount on XX/XX/22. When I completed the payment online I saw that an icon showed auto payment was setup. I then deleted the online payment that I had just made all in the same browser session. The system gave me a message that the online payment had been cancelled. I found out two days later that the system did not cancel the second duplicate payment. I contacted AMEX and they said they could not cancel pending items but they notated my account so that I could call back in and have this rectified. I then called XXXX and asked if there was anything I could do proactively rather than waiting until after the damage was done. XXXX said that I could put a Stop Payment on the duplicate payment that was not yet tendered to XXXX and the end result would be that the Pending payment would be paid but not the subsequent duplicate payment. XXXX actually ended up putting a Stop Payment on the Pending item and the one duplicate that was later tendered. I then called AMEX and asked what should be done. AMEX told me to make the payment again on the phone and I did so but in a slightly different amount to avoid any Stop Payment order by XXXX. The third payment on the phone processed as expected. A few days later I saw that AMEX charged my account an interest fee of {$200.00}. I called AMEX to have this fee reversed since this was all a result of AMEX 's system not cancelling my online payment that was a duplicate. AMEX told me that there were no notes documented on my account as I had been told. Further they would not reverse the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Fraudulent inquiries were made on my credit report.