23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I received a text alert from Synchrony Bank fraud department ( the bank that runs my Venmo Visa Credit Card ) about potential charges. I denied the charges. 
I was alerted of XXXX charges at once via text ( XXXX ) I replied XXXX denying the charges {$170.00} a XXXX XXXX Over {$6400.00} at Dal Tile And a approved charge, greater than my credit limit, {$3200.00} also at Dal Tile. 
( My credit since I got the card Im XXXX of this year, XXXX, had been {$2000.00}. I received no notification or confirmation of this increase. Venmo told me the increase happened the day of the fraud charges ) I was auto called by the fraud department. I Denied the charges being me. The person I spoke to someone who needed to have me send a video of me and my ID in video via a link- the app link would not work and he could verify my identity in any other way. So couldnt get any info. 
I called Venmo to freeze my account and dispute the claim. After repeatedly being told I was not responsible for the charge- XX/XX/XXXX the charge went from pending to complete I called and sent messages to Venmo fraud department again and was denied any info about the case or someone to talk to about it and gather, and or give info. 

My statement showed the location of the XXXX charge from XXXX on my app statement. The location was XXXX VA I contacted the business and spoke to the store manager on XXXX XX/XX/XXXX. He said he has the persons contact info and was looking into and was going to verify the credit card number. As of today XX/XX/XXXX I have not heard back.
Product: Debt collection

XX/XX/year> my credit report reflects that I owe {$4900.00} to Credit Acceptance Corp, which I am disputing owing any and all debts to your collection agency. I am revoking all rights of your company communicating with me through email/text/calls. 

I am requesting debt validation, and also requesting a copy of the purchase agreement between Credit Acceptance Corp and the original creditor. 

Additionally, I request that your company furnish the proof that you are licensed and bonded. 

Your company has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. I was not given a chance to dispute account according to 12 CFR 1006,34 ( c ) ( 4 ) ( 1 ). 

Your company is violating my consumer rights by using false misleading, misrepresentation and deceptive means.
Product: Credit card or prepaid card

My XXXX XXXX XXXX was sucked in to a XXXX XXXX that had in XXXX  purchased. He is a typical XXXX XXXX XXXX that is very tech savvy and was able to use his biometrics to suth purchases. He has no real understanding of money and spend thousands. I have tried to resolve this with XXXX XXXX   and the developer to no avail. I need help recouping the thousands of dollars wasted on these virtual products. While I have joined a class action suit I am on XXXX due to XXXX XXXX and this situation is untenable. It is almost as if XXXX and XXXX XXXX are stretching this out waiting for my death.
Product: Debt collection

After reviewing my free annual credit report I noticed a fraudulent account that does not belong to me from Portfolio Recovery after contacting them they still refused to send any verification of this account and still are reporting this fraudulent account to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit card

This account was opened in XXXX, I never received any card nor any communication from the company. The credit card was never used nor were there any charges ever filed on this account. The card was never used because I never had custody of this credit card. I've asked numerous times to remove the card from my credit report because it's hurting my credit score. The Credit Card company eventually closed the account due to inactivity but never removed it from my credit report and continues to report it to credit rating companies; including : XXXX, XXXX, and XXXX. This has caused me to lose a job opportunity with XXXX XXXX due to many closed accounts. This account needs to be immediately removed from my credit report meaning a full deletion because I never used this card, never had custody of this card and who ever opened the account never charged anything either.
Product: Debt collection

XXXX keep has been reporting a past due people for the past 3 years. When the 7 year reporting comes up they transfer it to a collection agency so it can remain for another 7 years. This is double reporting, and i do n't think its fair that if XXXX has been reporting the same thing for a view years on my credit report, and they transfer it to a collection agency to reporting again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$5300.00} Highest balance {$6400.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 120 days XXXX Past due 150 days 180 Past due 180 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5300.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX statement Comment Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting is affecting my report tremendously! I have disputed and reached out to Equifax several times to fix this issue and they have not been any help. This account is reporting on my report twice, this account was paid in full and closed, YET Equifax is allowing XXXX XXXX XXXX XXXX report an account that was paid in closed 5 years ago STILL report on my report monthly!!!! This account was never 120 days late. Equfax has not been helpful when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! They are refusing to take the time and do the work. 

I took out a loan with XXXX XXXX some years back on a car that I had already owned! A XXXX XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX  XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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, credit repair services, or other personal consumer reports

I have been sending dispute letters addressed to the Creit Bureaus for a long time already and I feel that the Credit Bureasu became negligent of their duty and never pai attention to my disputes despite all my extended efforts. The last letter I sent to the Credit Bureaus was on XX/XX/XXXX. Right now, I am submitting this complaint in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and there are errors that are reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX  XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX. I would like the Credit Bureaus to please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain the Bureuaus ' help in attempting to resolve the current issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using incorrect information, this is not a charge off, using over 4,000 robots calls, using fraudulent information, violating my rights by not informing me of court dates without a summons, this account been close.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Transunion Dispute Department Subject : Demand for proper reinvestigation and removal of inaccurate items. XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX. To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report, I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for XXXX  XXXX, failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process. I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with FEDERAL LAW. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit reporting and proper handling of disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. I expect your full cooperation in this matter and require written confirmation of the actions you have taken within XXXX  days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX ACCOUNT NUMBER XXXX XXXX XXXX CREDIT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX5 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

Due to Covid 19 I am out of work.

Specialized Loan Services will let me skip three months of payments but on the fourth month, ALL FOUR months are due.

I do not think they are Federally backed and do not have to follow the new guidelines. 

I think. 

What can be done if they are not Federally backed? Am I just up to their whims? They bought the mortgage and I have no say.
Product: Checking or savings account

XX/XX/XXXX, ASKED FOR NEW DEBIT CARD. WILL PAY FOR OVERNIGHT DELIVERY. IOT NEVER ARRIVES. I CALL several times saying that it was on its way. IT WAS NOT. Finally I get someone on the phone again on XX/XX/XXXX, they said they forgot to send it out and it was sent out Friday, XX/XX/XXXX. XX/XX/XXXX RECEIVED. Find out XX/XX/XXXX I was charged {$15.00} for overnight express one week late I don't believe it's my fault that they forgot to send it out a week before that is there responsibility. I could've had it mailed to me for free in 10 days. THIS IS AN EXAMPLE OF THE TYPE OF FINANCIAL ABUSE I HAVE BEEN EXPERIENCING WITH THIS CHECKING ACCOUNT,. THEY NEED TO REFUND {$15.00} OVERNIGHT FEE,
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Late Payments Unauthorized Inquiries {$3300.00} XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiry XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX funding Account number XXXX Account is Closed please remove off from my credit report unauthorized inquiries {$8200.00} Account XXXX Medical account {$2400.00} Unauthorized Inquiry please remove off of my credit report XXXX XXXX Account number XXXX Charged off account unauthorized inquiry please remove off my credit report XXXX XXXX Account number XXXX Charge off account {$50000.00} unauthorized inquiry please remove off credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This company has consistently changed the bankruptcy file date when ever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive critical letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.
Product: Consumer Loan

I have an installment loan with Avant Credit. I have been unable to make my loan payments which are schedule to be automatically withdrawn from my account during the first week of the month. My problem is that Avant has made multiple attempts each month to withdrawl the loan payment which causes a Non sufficient funds funds fee with every attempt. The frequency of their attempts is increasing. This is turning a bad situation into a crippling event with each CHARGE from the withdrawal attempt. I did authorize Avant to withdrawal my loan payment once a month. However, I am unable to make the payment. Does this give them the right to make a withdrawal from my account anytime they feel like it. Can you please help me?
Product: Debt collection

On XX/XX/2023, a female phoned me stating they were with a company name XXXX XXXX XXXX, phone number XXXX, where they confirming that a complaint was filed by me and I should have recieved a notice by mail I stated I do not know of mailing from such name company, at which time female talker insist that i provide personal information to verify my identiy. Thus I told her that this a scam and I am not willing to provide any information, as they have not provided to me what is the nature of this complaint in any details, thus I hung up phone, Later a close relative stated they were given a call asking about my whereabouts in order to obtain information, this person ask how does this involve me, their response was they were a reference, to which my relative response share they have no knowledge of, as well I do not have knowledge of giving information of them as a reference from a unidentified source
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding violations by the three major credit reporting agenciesXXXX Experian, and XXXXof federal laws designed to protect consumers, including : 1. 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ) : The credit reporting agencies have failed to ensure the accuracy, fairness, and privacy of my credit information, as required under this law. Specifically : Inaccurate Information : My credit reports contain inaccuracies that persist despite multiple disputes and documentation provided to substantiate my claims. 
Failure to Investigate : The agencies have not fulfilled their statutory obligation to conduct thorough investigations into my disputes within the required time frame. 
Reinsertion of Deleted Information : Information that was previously removed from my credit report after being found inaccurate was subsequently reinserted without proper notification or re-verification, as required by the FCRA.

2. 15 U.S.C. 6805 ( Gramm-Leach-Bliley Act - GLBA ) : The credit reporting agencies have not adhered to their responsibilities under the GLBA, particularly regarding : Safeguarding of Sensitive Information : The agencies have not properly secured my sensitive consumer information, leaving it vulnerable to unauthorized access. 
Breach Notification : I have not received proper notification of potential breaches or unauthorized disclosures of my personal data.

3. 16 C.F.R. Part 313 ( Privacy of Consumer Financial Information ) : There appears to be non-compliance with privacy regulations, including : Unauthorized Sharing of Information : Nonpublic personal information has been shared with third parties without my explicit consent, in direct violation of privacy rules. This is Identity Theft Harm Experienced These violations have caused significant harm to me, including : Denial of Credit : I have been denied financial opportunities due to inaccurate credit information. 
Emotional and Reputational Damage : The ongoing inaccuracies and breaches have caused undue stress and harm to my reputation.

Financial Burden : I have incurred additional costs and time in attempting to resolve these issues.