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

I am submitting this complaint on my own there is no third party involved. I checked my XXXX credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with XXXX and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX XXXX XXXX XXXX and Equifax report XXXX I have no knowledge of this account. I disputed this XXXX and Equifax and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
Product: Debt collection

I have sent over 20 payments to Edfinancial Services. All but two small ones have bounced. My account is past due. I've call Edfinancial 3 times. They keep saying it is my bank that is the issue. I've called my bank. They said these payment requests never even came through. There are numerous people with the same complaints. I have never ever had an issue getting a payment through with my bank. Edfinancial seems to be deliberately doing this to receive accrued interest. This is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, I was incarcerated for some time and just was released on XX/XX/2019, and I'm demanding that this account ( XXXX XXXX {$520.00} ) and all and any accounts associated with it be blocked from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I have a debt with American Express. I had made a payment of XXXX which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from XXXX XXXX XXXX which claims that American Express referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.
Product: Credit reporting

I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, 2011 and second I visited the county clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine but when I went to dispute it transunion said we will issue a dispute but it does n't matter it has to stay for 7 years ... now if the irs and the county clerk are willing to drop this idk why transunion has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required
Product: Bank account or service

As I am sure you are aware, the practice of Wells Fargo banks opening up accounts without authorization has been going on for a lot longer than the XX/XX/XXXX to XX/XX/XXXX time frame cited in the recent fines. When my wife and I opened a checking account in XX/XX/XXXX in XXXX, Texas with Wells Fargo, we were sent XXXX credit cards that turned out to be actual accounts instead of just pre-approved. When we asked about the accounts that we did not want, we were told that we had to have the credit card accounts because we had overdraft protection, and we were also told that we could not substitute our other credit card account in place of the unwanted ones. We cancelled the unauthorized accounts and our checking account remained in place, which caused us to think that the " requirement '' to have the credit card account was made up. We just had no idea this was a systemic problem as opposed to one overly aggressive employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XX/XX/2022, I requested a wet signature signed contract that I owe XXXX XXXX XXXX, XXXX XXXX XXXX, MIDLAND FUNDING LLC ! They have also placed a late payment on the account and the accounts are closed. If the company XXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Product: Credit card

Company wrote off balance as a tax write off. Has not provided 1099c to me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this exact collection and it was taken off. It was previously on my credit report before being removed as opened XX/XX/XXXX for {$600.00} and now it listed opened XX/XX/XXXX. It has now been re-added and under the opened dates have been changed to XX/XX/XXXX for {$600.00} with Diversified Consultants , Inc. as if it is a new delinquent account ... This account is listed on all of my three credit reports with the reporting bureaus. I have read guidelines that companies can not do this so I want it fixed as my score just plummeted almost 30 points for no reason. They were not able to prove that this even existed or is valid within the time period with you all and the reporting bereaus, so I do n't appreciate this company falsifying a new listing to do this. It 's unfair and how long will I have to keep going through this with the same company? I have not received anything in writing about this new supposed account either.
Product: Credit card or prepaid card

This is regarding a purchase I made with XXXX in XX/XX/XXXX for living room furniture for my new home. The sofa was sold for {$2600.00}, and a console table was {$1300.00}. This was paid using deferred interest 245 months. I could not pay all by XX/XX/XXXX, and XXXX charged me {$3300.00} in interest on checking my bill. I called them, and the customer service representative told me that because the invoice was not paid in full by XX/XX/XXXX, the sale price I received for items purchased was retracted, and the total cost was applied. I told her that did not make any sense. I asked to speak with a manager/supervisor, but she said I would be told the same thing and hung up on me. Since opening the account, my payment was made on time, and all charges I made before XX/XX/XXXX were never applied to my balance. This does not make sense, and the interest/ balance applied to my account is excessive. 

I have contacted the company, and they are saying this is justified. My monthly payments are not being applied to the outstanding invoices, and all payments made in the last 24 months have yet to be applied to the balance. The balance owed is what should be charged interest. What happened to the money I paid in the previous 24 months??? The company took the money and did not apply it to the outstanding balance.
Product: Credit reporting or other personal consumer reports

PLEASE, THIS BANKRUPTCY RECORD IS UNAUTHORIZE. PLEASE TAKE ACTION IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account from XXXX XXXXXXXX XXXX appeared on my credit report. It was disputed two different times with Experian credit bureau. Last dispute number XXXX was generated XX/XX/XXXX. The results to this dispute was fraud, and removed from my credit report. Also, Experian set a fraud credit alert on my credit to help resolve any future fraud issues. On XX/XX/XXXX of XXXX same collection item from XX/XX/XXXX reappeared on my Experian credit report. I spoke with representative on XX/XX/XXXX regarding this issue. I was advised that another dispute would need to be done and I would need to wait 30 days for results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/XXXX Called XXXX to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called Cavalry Portfolio Services XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with Cavalry on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it Cavalry provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with XXXX XXXX Opened on XX/XX/XXXX Sold to Calvary on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to Cavalry requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called Cavalry to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an inquiry from XXXX was placed on my credit report i do not recognize nor did i authorize this action. 

On XX/XX/XXXX an inquiry from XXXX XXXX  was added to my credit report i do not recognize nor did I authorize this action either. 

On XX/XX/XXXX an inquiry from syncb/amazon was placed on my credit report I have already reported this issue and the company said the inquiry would be relieved within 60 days but it is still shown on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an unfamiliar inquiry from a company Ive never interacted with or authorized to access my credit information. I never applied for anything related to this inquiry, nor did I give consent for it to be made. Discovering this has been both stressful and unsettling, as I take my financial privacy seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts that I have listed below, have violated my federally protected consumer rights to privacy and confidentiality. 
Under 15 U.S.C. 1681 XXXX XXXX / Acc # XXXX XXXX XXXXXXXX / Acc # XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX Have all violated my rights. 
15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( 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 then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618 s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Capital one offered me a credit card with one interest rate, but has increased that rate mid-cycle. Also, despite my having paid {$200.00} on my balance of {$580.00} over the course of 2 months, the interest I owe has increased rather than decreased making me owe more than I should.
Product: Payday loan, title loan, or personal loan

During COVID I requested assistance with payment forgiveness and or options for reduced interest/pay off assistance. The relief was not an option & interest, fees, and payments have increased exponentially in over two years. The line of credit has not charged off despite no payment to account. As well, Ive sent several emails for call back from management or supervisory account managers, Null. I have had conversations with representatives, was met with very rude and condescending push back. Overall, I have an amount thats doubled that the company wants me to pay. At this point my credit has been severely diminished with each monthly hit from net credit. To no avail no resolve.
Product: Checking or savings account

On XX/XX/2022 I deposited {$740.00} into my Synchrony Bank XXXX account and when the funds cleared and were posted I was sent a ATM card that I activated but every time I try to withdraw funds I get a technical error saying come back later. 
I've spoken with 4 representatives and they just tell me that I'm under review?
Product: Checking or savings account

I bought stock with Robinhood online broker, then forgot about it. The stock earned a small amount of money since 2020 ( my last email from them ). I recently tried to log back in to close out the account, and my password wouldn't work. The password reset function sent no links to my email, or were nonsensical ( " Log in to change your password '' ). Repeated emails to Support were similarly nonsensical or didn't provide a working link ( " we do not have your email on file '' ). When I finally expressed annoyance, Support stopped responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Rushmore Loan Management Services, LLC. My first complaint, was back in XXXX 2017. In viewing my credit report, I noticed Rushmore closed my mortgage loan. But, it should n't be closed. I filed a complaint. They corrected the account to " open '' but now reporting it as in default 60 days.
This is false reporting. I 'm providing proof of XX/XX/XXXX and XXXX 2017 mortgage payments. I 'm attaching the XX/XX/XXXX, XX/XX/XXXX and the XXXX XXXX 2017 reports. I believe, they have knowingly reported this falsely reported to the credit bureaus. Due to the numerous errors and negligence cause on Rushmore 's behalf, I now believe I 'm targeted individual by Rushmore Loan Management. 

Thanks, XXXX XXXX
Product: Vehicle loan or lease

According to the duration of my payment it suppose to en d      XXXX   XXXX  /2017  . I noticed that I have late payment which resulted into late fees. I paid the accumulated late fees plus the all payments.My last payment was on the date mentioned above. I called the company ask why you wanted me to pay the principle although all monthly payments are made If there late fees i paid how come you charge me towice the late fees and the principle they said I have to pay the principle or they will not release the title anyway I told I ca n't pay the late fees and the  interest .the compa  ny is Santander USA .