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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes via equifax.com and after receiving emails stating they have been completed, I am no longer able to access any information about my credit. I receive notices claiming my information doesnt match theirs so i can not access my account. A month ago i contacted Equifax via telephone and they ( in very broken english ) claimed their dispute program wasnt currently working. I STILL cant access my information at all. I feel like a victim of their scam. The other two reporting agencies allow me access just fine.
Product: Debt collection

They are calling my home phone and my cell phone at all hours. I blocked them on my cell phone so they 've switched to Unknown Caller status there. I 'm recovering from XXXX XXXX and I care for my XXXX year old mother. I do n't need this harassment. My account with this bank is up to date yet they continue to call. It is Synchrony Bank..
Product: Payday loan, title loan, personal loan, or advance loan

In good standing with them and met terms of payoff and removal from bureaus yet it still there with consistently inconsistent info from one bureau to another. 
Completed XX/XX/XXXX Payment Status Error The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX Balance Paid on time showing no lates for XX/XX/XXXX or XXXX Status though States 30 Days Delinquent yet no lates posted XX/XX/XXXX or 90 or past dues Closed in XXXX should not be reporting. Currently showing 30 days delinquent with a XXXX balance due Sent XX/XX/XXXX I Previously Disputed This I have new accounts established with you which are all in good standing and looking to scale my personal and possibly business ' credit with you in other ways however this account is obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. I previously disputed this account stating : " The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX Balance Paid on time showing no lates for XX/XX/XXXX or XXXX Status though States 30 Days Delinquent yet no lates posted XX/XX/XXXX or XXXX or past dues Closed in XXXX should not be reporting. Currently showing 30 days delinquent with a XXXX balance due ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Mortgage

SunTrust Mortgage purchased our home loan from another financial company. Shortly after purchasing our loan they sent us a letter saying that they had no record of an insurance policy covering our home, and that if we did not contact them within 30 days they will purchase insurance for us at an a cost of {$1800.00}. 
I have insurance, and have resolved the issue for my case, but I am reaching out to you because I believe that SunTrust 's actions are illegal. They can not ( or should not ) be allowed to spend their customers money without that customers explicit consent. This problem arose because of SunTrust 's poor record keeping. There is a real possibility that customers ending up being force to buy a second insurance policy because they did not notice or understand the issue. I hope that you will investigate their actions and ensure that no consumers were harmed because of SunTrust 's actions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account : XXXX XXXX XXXX XXXX They are reporting a payment late on my cosumers report between me and this creditor. 
The bureaus have violated my rights. I have the right to privacy and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is against the law and violating my rights. 

I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to inquire about mortgage rates etc and XXXX/XXXX XXXX XXXX made multiple hard inquiries on my credit file without my permission. I in no way shape or form EVER gave permission for a hard inquiry. We have since contacted them multiple times attempting to remedy the situation yet they refuse. Those inquiries affected my credit negatively enough to make my score now ineligible for a usda loan, costing me a home I had put an offer in. It is my intention to pursue this issue to the fullest extent of the law and use any and all legal recourse I may have. For them to make a mistake not once, but multiple times and refuse to reverse and correct theyre actions is absolutely unacceptable. I have it in writing where they admitted to this, yet refuse to fix it!
Product: Debt collection

In XX/XX/XXXX I was hospitalized for a XXXX XXXX. We are an XXXX XXXX military family covered by XXXX. I went to XXXX XXXX XXXX XXXX ( in XXXX, XXXX, VA ), which was the closest ER to my house. I was stabilized and transported to XXXX XXXX XXXX XXXX. The ER was given my insurance information at the time of my car. They later sent me a bill for {$600.00}. The first time I contacted them I informed them that the bill had not been sent to insurance, and to please do so. They confirmed my insurance information and said they would. This happened a second and third time. I never heard anything additional after the third phone call, so I assumed the bill had been paid by insurance.

On XX/XX/XXXX the {$600.00} went to my credit report. First, my understanding was that they wait 18 months before reporting a medical debt to your credit report. It has been 17 months. Their debt collection on my credit report claims the date of service is XX/XX/XXXX, however the dates of service were XX/XX/XXXX and XXXX. Not XXXX. Second, When I called XXXX XXXX XXXX ( of XXXX XXXX, VA which is the collection agency ) to try and speak with them about the debt, the woman was extremely rude. I again told her this was supposed to be submitted to insurance. She stated it had been submitted to XXXX and denied. I then asked her, per the Fair Credit Reporting Act, to send me written proof of the debt, proof that it was in collections, and proof of the claims that had been submitted and denied by insurance. She refused to do so. I asked her for the account number for this debt collection and she refused to give that to me also. I asked for the claim numbers that were submitted to insurance and she refused to give me that. She stated that I had known about the debt and that they had sent me written information on it already ( which I have never received ). She then hung up on me while I was attempting to explain to her that she was required to give me this information per the FCRA. 

Admittedly I was a little snippy, but her behavior is completely unacceptable. I then called XXXX, who confirmed that the dates of service were XX/XX/XXXX, not XXXX. They also stated they never received a single claim from XXXX XXXX XXXX XXXX. They received claims from the medical transport company ( I had to be transported by ambulance to the XXXX Hospital ) and the XXXX Hospital, but had never received one claim from the ER - denied or paid. 

XXXX XXXX XXXX not only refused to provide me with information that they are required to by law, they also lied about the date of service and lied about submitting the claims to insurance. The woman hung up on me when I tried to site the FCRA and refused to provide me with any information concerning the debt. 

XXXX is sending both XXXX XXXX XXXX XXXX and myself all claim documents that were submitted for this incident in XX/XX/XXXX. Not a single claim was submitted from the ER.
Product: Credit card or prepaid card

XXXX XXXX XXXX was hired for a deck remodel. There were two payments issued to XXXX XXXX XXXX  for the amount of {$2300.00} on XXXX and {$4300.00} on XXXX. The contract has been uploaded with the terms of the agree upon work. These two transactions were 50 % deposits to have the work completed by end of XX/XX/2021. 

The contracted work was not completed by XX/XX/2021 and we allowed an extension with XXXX XXXXXXXX XXXX for them to finish the deck by XXXX. The deck was not finished and our good will extension was abused by the contractor. On XXXX as the deck construction had not started, disputes were opened with Discover card as we had used the card to pay the deposit. 

Discover card did not reach out until XXXX when they reached out to state that the dispute had been closed and decided in the contractor 's favor. When asked what documentation had been uploaded by the contractor, only a sales receipt has been provided. We had uploaded a timeline, the contracts, pictures of the uncompleted work, and screenshot of the agreement with XXXX XXXX XXXX  who agreed to refund XXXX back to the card as they have not completed the work. 

XXXX XXXX XXXX did not refund the XXXX and we again reached out to Discover with an uploaded copy of the signed agreement on XXXX after giving XXXX XXXX XXXX an additional 4 weeks to refund the deposit. 

Despite photographic evidence, a screenshot of the signed refund agreement, and contracts outlined the agree to work, Discover has refused to process a refund and requires a signed letter from XXXX XXXX XXXX on their letterhead authorizing them to process the refund. This is an unrealistic and undue burden on the cardholder and represents an effort on Discover 's part to skirt the work and effort required to protect the cardholder to small claims court. 

Based on our experience, Discover 's dispute center does not protect the cardholder and we are unsure as to what benefit it can provide for a cardholder. We uploaded a picture of our unfished deck and Discover 's response was that a picture is not proof. When asked what they require for proof of unfinished labor, they were unable to provide an example and refused an offer to have an agent drive to our home and view the unfinished work for themselves.
Product: Money transfer, virtual currency, or money service

When money has been sent to me, money was taking away from each payment. I also sent money and was able to get a refund. I provide services and they allow people to dispute the charges without asking me to see if I provided a service.
Product: Student loan

Student Loans were discharged under the XXXX XXXX XXXX XXXX XXXX program as of XXXX XXXX. XXXX, which is the company that manages the loan and discharge has already discharged all loans adding top to {$79000.00}. Aidvantage has not cleared the discharge as paid as agreed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX for amount {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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protections laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lentegrity has been fraudulent put on my credit reports and used to try and steal from me. I am having issues getting the title for a vehicle I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ; XXXX XXXX XXXX reported to Equifax a debt from XXXX XXXX of {$1600.00}. 
I disputed with Equifax XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. Equifax only listened to the XXXX XXXX XXXX and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with XXXX XXXX of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXXXXXX 
This debt is still posted on my credit file.
Product: Credit reporting or other personal consumer reports

This is my Numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Back in late XXXX early XXXX I placed a furniture order with XXXX XXXX. I was notified several times of the products shipping being delayed. I had planned a trip out of the country but unluckily they called the day before my departure to let me know the product was finally ready for delivery. I called XXXX XXXX the same day to notify them that I had planned to leave the country. They advised me to call the delivery warehouse direct. I did so but was not successful getting someone on the line. I proceeded to leave for my trip to XXXX as planned the next day. Unfortunately while I was in XXXX I had learned I was XXXX  and immediately had complications. I have been a XXXX sufferer of XXXX most of my life and have never been able to carry. I was put on bed rest due to a XXXX XXXX. I suffered XXXX  and XXXX XXXX throughout my entire XXXX you see and did not have the capacity to deal with XXXX XXXX at the time. After I was finally allowed to return back to my country and had recovered physically and emotionally I tried to reach out to XXXX XXXX to explain the situation. I wrote their corporate office as well and did not receive a response. Whomever I did speak to eventually opened a dispute. I guess someone determined store credit was sufficient. I obviously do not feel the same. If XXXX XXXX did not delay their shipping numerous times there would have been no issue. This has been reporting with all the credit bureaus and is keeping me from buying a home. I am not obligated to pay this debt and XXXX XXXX is lacking serious integrity by reporting this with the bureaus. They have not lost anything as I was never delivered the furniture while I suffered a tremendous loss and now I am being held accountable for goods I did not even receive. The debt company is working with me to try and resolve this as even they are sympathetic to my situation. Please help me resolve this once and for all. In order to hold me accountable for this debt they should have to furnish proof of delivery. they can not do that since I did not receive the furniture.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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
Product: Debt collection

The amount claim owed by XXXX XXXX XXXX was incorrect. I talked with them on multiple occasions and they did not respond with evidence supporting the bill. Eventually they turned the dispute over to a collections agency " XXXX XXXX XXXX '' which sent me a letter. 
I immediately contacted them and emailed them filing a dispute with them and followed up a couple of times. I was told verbally and via email they were waiting for a response from XXXX XXXX XXXX and that " apparently XXXX XXXX XXXX sees this inconsistency as well ''. Eventually they drop the issue after XXXX XXXX XXXX was unable to substantiate there claim. Then I received a call & letter from another collection company " Diversified Consultants Inc ''. I contacted them and explained the issue, emailed them a dispute, and sent the dispute letter, and supporting documentation within 30 days of notification. No response was recieved from them written or other. They did no investigation, and proceeded to immediately filed a collection with credit reporting agency 's. " Diversified Consultants Inc '' did not follow the law and provide or protect my rights under FTC rules and laws.