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

I submitted a letter of dispute requesting validation that I have ( or ever had ) a contractual obligation to SYNCB/CARE CREDIT based on a derogatory account on my credit reports. The certified letter was received and I never got a response from SYNCB/CARE CREDIT or an acknowledgment of the dispute on my credit reports. This was in XX/XX/XXXX. The certified receipt was not signed but was printed with the name " XXXX XXXX ''. I have recently sent another letter to SYNCB/CARE CREDIT in XX/XX/XXXX ( going on more than two weeks ) to the same following address as listed on my credit reports : SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX FL XXXX This most recent dispute letter ( that was sent to the same address as the first dispute letter ) has not  been signed by by anyone and is taking several weeks to get a conformation that the letter has been received or to respond to my dispute. It appears they are avoiding my attempts to validate or remove this incorrect information off of my credit reports.
Product: Credit reporting or other personal consumer reports

Please note that my information was used without my consent. 

An account under collection is reported as XXXX XXXXXXXX XXXX  Also inquiries which I did not authorized 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$860.00}, original creditor XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$7500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$370.00}
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. I have reviewed my credit report and identified a repossession entry that I believe is incorrect. Please investigate the following account and remove it from my credit report immediately for violations : Account Information : Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX. Incorrect Repossession Date : The date of repossession listed on my credit report is incorrect. The correct date is [ Correct Date ], which can be verified with the attached documentation. 

XXXX. Settled Account : The account was settled prior to the repossession date. I have attached documentation proving that the account was settled and should not have been repossessed. 

XXXX. Voluntary Repossession Agreement : The repossession was voluntary, and I had an agreement with the lender that it would not negatively impact my credit report. Attached is the agreement documentation. 

XXXX. Lack of Proper Notice : I did not receive the required notices of default and intent to repossess as mandated by state law. I have included my correspondence records with the lender showing the lack of proper notice. 

XXXX. Breach of XXXX : The repossession involved a breach of peace, making it illegal under state law. Attached are affidavits and police reports documenting the incident. 

XXXX. Incorrect Balance : The balance listed on the repossession account is incorrect. The actual balance was [ Correct Balance ], and I have included supporting statements. 

XXXX. Procedural Violations : The lender did not follow proper legal procedures during the repossession process, such as failing to provide notice of sale or selling the vehicle in a commercially Remove this repossession from my credit report. I expect a response within the XXXX investigation period as mandated by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

There is inaccurate information regarding on my credit report which i have no knowledge about and never heard about it I never knew about till I had a mortgage broker who told me That while I was applying to the mortgage loan! 
Those companies are : XXXX XXXX XXXX XXXX.
Product: Student loan

Back in 2014, I was harassed, received, and lied to by Navient. I was told repeatedly that I would not receive any kind of impact on my credit. I followed all of their instruction and made the payment amounts they told me to make and they ended up reporting 4 months of being deliquent siting it was not for the full amount. Because I have XXXX loans, they are reporting late payments XXXX x 4 no this. This has RUINED my credit. I have asked they they pull up the recordings of phone calls and they claim they can not find them or that the phone call never occurred. When I told them I would record my calls for.my own proof, they said they ca n't speak to me. I have been fighting this for 3 years. I just was on the phone with them for 2 hours. I am in tears. They have lied in their notes to make it look as if I was late. In 2014, I was threatened and told I was a lowlife that should have thought twice about borrowing money and that they will get it from me no matter what even if they had to take my assets to pay it off. That recording could never be found. If you look at my history with them, I have never missed a payment up until those 4 months in question. I had reached out to them as I was having financially difficulty at the time and repeatedly told them, I would work with them and they assured me that they would n't do anything to hard my credit. I am so glad they they are being investigated. I am a good person and minus the 36 missed pmts they are reporting, I would have near perfect credit. I recently requested that they be removed back in XXXX via email. 5 days later, I had to request again because I received no response. I emailed them again on XXXX XXXX for an update and someone FINALLY just called. Legally, they have 30 days to respond or they have to reverse it I thought? Well, they claim to have sent a letter that I never received. But after my 3rd attempt and 2 months later is the first time I actually got a phone call and an email. I am literally in tears for what they have done. I have lived with this for 3 years. Their lies, deception, harassment and unwillingness to help and or work with me is the worst feeling in the world. I even tried to negotiate to knock it down to half of the missed pmts just for ANYTHING and they wo n't. I literally feel helpless and I do n't know what I can do aside from having to live with it. To make matters worse, I have tried to get someone else to consolidate this debt and get myself away from then, and guess what? I ca n't. Because I have these 36 deliquent pmts and the impact it has done to my.credit score, it has removed that as an option for me. It 's almost as if it was done on purpose as a way to keep the debt under them and not give me any option to move it elsewhere.
Product: Credit reporting or other personal consumer reports

I got a secure loan to build my credit, I always pay on time, XXXX day I receive an email from XXXX XXXX saying they do bankcrupcy they reimburse me money I paid .i was surprise to see that report me with a late payment while they no longer exist.
Product: Debt collection

This voice mail was left on my husbands phone as well moments after I told them to cease calls If the message was intended solely for XXXX why would you leave it on a voicemail that clearly has a different name on it This message is solely intended for XXXX _______ my name is XXXX XXXX I'm gon na _____________ ________ _______ and I've been tasked with delivery certified documents with her test your name as well as your Social Security number I'm scheduled to arrive and I have your current residence or your place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX XXXX  _______ able to reach you would either of those locations this will be documented as a direct refusal to sign in the proceedings will continue on with ___ you ____ if you have any further questions concerns or if you need to reschedule prior to my arrival tomorrow pleas
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a national disaster XXXX XXXX negatively affected my business ( car rental business ) I own and operated remotely from Florida XXXX The negative impact my finances. 

I read from HUD website I could get relief and on XX/XX/XXXX I began application for a forbearance. The process finished and I got approved for XXXX  months plan. 

On XX/XX/XXXX I called back explaining my Fiancial situation improved and I was ready to make payments starting XX/XX/XXXX. The mortgage representative assured me over the phone that the payments could be deferred toward the end of the loan. I asked I was required to make a payment. I was told it wasnt needed. 

I was also not told about any negative credit marks and XXXX XXXX XXXX Was made aware that XXXX  of a disaster I would qualify for a defaral without negative credit impact, however the mortgage agent misled me and later a XXXX  day late negative mark hit my credit. I tried to dispute with the mortgage company and credit bureau without success.
Product: Debt collection

I did not authorize Resurgent Capital Services on behalf of lvnv funding to contact me via email. 
Resurgent Capital Services on behalf of lvnv funding is a bad debt buyer who is attempting to collect a debt that has been paid. This company is violating the FDCPA & THE FCRA. 
Resurgent Capital Services on behalf of lvnv funding violated the FCRA by reporting to my credit bureau and not providing A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a false collections report vs the credit collecyor for synchrony bank, as I had never had any debt besides my student loans until XXXX, when I got my first credit card and a car loan. Not only did this trash company commit fraud by filing the claim in the first place, their initial filing was for XXXX, and they changed the date to XXXX, without legal right. For a debt Ive never owed, and have never, and will never pay. I did not EVER do business with this company, and you can bet I never will. In XXXX of this year, i disputed and asked for proof. They not only doubled down on the claim, but i have yet to recieve any proof I owe them anything. BECAUSE IT DOESNT EXIST!!! I DID NOT HAVE ANY DEBT OUTSIDE OF STUDENT LOANS AT THE TIME THEY MADE THE INITIAL CLAIM! THEN, TO COVER THEIR TRACKS, THEY CHANGED THEIR START DATE TO A LATER TIME!!! How can they get away with this?!?
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Covid 19 pandemic started and I received a phone call offering partially differed payments during the pandemic. I thought that they would last the time of the pandemic. it was not made clear to me that they would only last 3 months. After such time I continued with the partial payment when full payments have been needed. Then XX/XX/2020 hit - I missed a full payment. In XXXX I attempted to pay the full balance owed ( missed paymentsXXXX XXXX payments ). I was on the phone with a customer service rep- I waited on the phone until it cleared the banks with her. We had made two separate transactions to be sure that pnc did not confuse the XXXX payment as just paying off the principal. After two weeks of it being withdrawn from my account and it was there in the pnc hands. It was returned. I received no notice that it was returned and the account it was returned too got hit for an XXXX XXXX fee and I no longer had the full amount and they would not accept any less. I waited another month XXXX XXXX as soon as the money hit my account I immediately used XXXX XXXX bill pay to send it to pnc. It was a Thursday and a long XXXX XXXX XXXX  was approaching. My bill was due on the XXXX? I called and told them everything I had done and that XXXX XXXX estimated that it would arrive before the XXXX but I wanted to assure them it was in-fact on the way. I did this with three different customer service reps to be sure it was noted on my account. I was lied to and told I had nothing to worry about. 

My truck was taken on a XXXX XXXX at XXXX no warning, no note or letter from the bank I wasnt even there to see it happen. The bank isnt even open to give the order to repossess nor were they open to process my payment. They were also closed the next day for XXXX XXXX. My check was processed that XXXX XXXX. I received a letter on Thursday that it had been repossessed. Since the police had no knowledge of a repossession in the area happening, the bank claimed to not have taken it and my truck had been taken I had reported it to my insurance company as stolen. I now pay more in insurance due to the bank lying to me about reposession. It took over a week to even find my truck. And the bank finally put me into contact with the right department. I spent nearly XXXX dollars getting a damaged truck back. I continue to pay double insurance premiums due to the bank mis handling my account. I have reported to XXXX  and made complaints with PNC. Pnc has told me they are not at fault. I did everything I could. I feel as though this is not my fault and is on my credit report. Its blocking me from getting a new credit card, refinancing my truck loan, purchasing a house. At the time of repossession my truck was worth more than I payed for it. I believe they were trying to make money off my loan
Product: Credit card

I filed a claim for a few transactions I noticed in my Wells Fargo credit card that were not authorized by me. I reopened the claim and they still are saying the same thing
Product: Debt collection

A debt collection agency had applied a fraudulent debt that does not belong to me. This debt belongs to a person I have never heard of, from a town I have never lived, and in reference to a hospital I have never visited. I only first learned of this debt, when I applied for a student loan and was denied due to having " a bill in collections ''. Since I am certain I have never had a delinquent bill in collections, I checked my credit report which listed this fraudulent debt, along with the identity of another person who may have used my social security number. The debt collection agency had never contacted me to verify this debt belongs to me, or to let me know that they were trying to collect payments on this fictitious debt. This has caused me immense harm as now I can not receive a student loan so that I may finish my last semester of college. When I called the debt collection agency they had told me to call the credit bureaus to get the full account number ( of the fraudulent debt ) then call them back. I received the account number, called back and was told " could not speak to me '' because I was not the name on the account. They realized at this point that the information they have is fraudulent, and was applied to social security number incorrectly. I asked to speak to a supervisor, at this point I was hung up on. I called back and asked immediately for a supervisor, the supervisor told me I should try calling the hospital where the debt originated and then ended the call. I then called back the next day, explaining how this debt is fraudulent, was never verified, and that i expected the debt to be removed immediately, the man told me his supervisor would call me back that afternoon and never did. The name on my credit report ( from XXXX & XXXX ) lists the name and address of the person who apparently stole my identity, their address, their employer, and phone numbers. The XXXX report also has my name incorrectly listed as having a middle initial of 'XXXX ', I XXXX name.
Product: Prepaid card

On XX/XX/year>, I went to my local XXXX and purchased an American Express Prepaid Gift card and put XXXX dollars on the card. After purchasing, I immediately attempted to claim the gift card and link it to my paypal account. Unfortunately this did not work and I was given the message " the card has declined. contact card issuer ''. After attempting to use XXXX, XXXX, and XXXX with the card, all online stores did not accept the card and it declined. I then contacted support and was told that it can not be used for XXXX however this did not explain why it would not work on XXXX or XXXX. As of now, I have a useless card with XXXX XXXX dollars on it that can not be used to make any payments.
Product: Credit reporting or other personal consumer reports

There is a hard pull on my credit report for an auto loan through Navy Federal. I applied for a pre-approval through the app. I was not going through with applying for the loan. I was informed this was going to be a soft pull and would not affect my credit or credit score. I need this inquiry to be deleted.
Product: Money transfer, virtual currency, or money service

So I got scammed by someone who tried to say I have to resigster defi-plan beacon chain. I did wire transferred on XX/XX/XXXX to XXXX to the Coinbase and transferred to the coinbase wallet. Through the coinbase wallet, and type the XXXX XXXX XXXX Then I clicked " receive '' button. 
Then it atomically move my USDT money to the mining pool. So I lost my control to withdraw my money. 
Now on my account, it is a 0 balance, but on the defi-plan platform, it says XXXX dollars. I've depoisted XXXX dollars from my personal loan, and my parent 's retirement plan. 
I've contacted with this problem with Coinbase customer serive, XXXX bank and police deapartment XXXX MA. Coinbase told me they can't help to get funds back and I am really frustrated how to do it. My payments are coming and I don't have any money left beside the money in the platform. 
I also changed the allowance from unlimited to 0 dollars through XXXX XXXX XXXX XXXX  Please help with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX collection on my credit report. I have disputed this multiple time with all credit bureaus and it comes back as verified. Meanwhile whenever I ask the credit bureaus how was this account verified they are unable to send me the method of verification all they sent it a payment history. This account has different status across all three bureaus. I need this charge off account to be deleted off my credit report. Transunion XXXX and XXXX have been violating the fair credit reporting laws with this charge off account I need it to be removed
Product: Checking or savings account

I'm writing this complaint because I recently found out that Chase has been deceptive and has unfairly charged me a {$30.00} a month checking fee for the past 19 years.The bank did this by placing me in a high minimum balance business account in order to deceive me and charge me a fixed monthly fee knowing I would never meet that minimum balance requirement.They intentionally engaged in unfair practices when they opened up the wrong checking account for me. 

I had opened a business account on XX/XX/2002 and was not told that I needed to maintain a {$30000.00} minimum balance at that time. I opened the account with a small balance of XXXX {$1000.00} to use for my freelance teaching work and never had any expectation that I would be anywhere near a balance higher than about {$5000.00} for that period. I assumed that when I was charged {$30.00} a month all these years it was the normal fee for someone with the fairly small balance that I had maintained. However, I recently found out I was placed in this high {$30000.00} minimum balance account and now I believe that the bank intentionally signed me up for an account that was not appropriate for me. As a result of this deception, Chase unfairly charged me thousands of dollars since the account opening.How many other people have they done this too? 

I recently requested to be switched to an account with a more appropriate and realistic minimum balance threshold. However, I would also like Chase to reimburse the entire amount of fees I was unfairly charged all these years. To date, I was only reimbursed 3 months ' worth in the amount of {$90.00}. 

Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to XXXX. I am not familiar with this debt, and I have never taken out a loan from XXXX. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. 

Upon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with XXXX. The reported amount and the alleged occurrence date are from the year XXXX. However, I have not received any documentation or notice from XXXX regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. 

I have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.