23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of this account. MIDLAND CREDIT MANAG XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted Experian by phone to get a single use PIN to allow someone to run a credit check on my frozen account. They said it could not be done at that time because of a problem in their system. They said to call back in an hour or more. I called a second time but was unable to ever reach a live human being. The system refused to connect me to a person that could understand what I wanted and the automated system was not able to help me either. Experian needs to change their automated system so callers can reach human beings when the automated system is not effective.
Product: Mortgage

XXXX XXXX has absolutely no interest on honesty pertaining to PNCs Bank misconduct concerning my late mother XXXX XXXX. Theyve also made promises to get in touch with me in reference to a new mortgage/refinance according to their XXXX @ XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX However to this day unfortunately this hasnt been the case.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

SYNCB/XXXX  - XXXX is reporting 30 day late 's on my account. I have never been late on this account. I have never received a notice or a phone call from Synchrony bank that i had a past due balance. I do make my payments on time and i should not have these late 's in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX has violated my rights. 15 U.S.c 1681 section 602 A. States I have a 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: Checking or savings account

In XXXX  and now starting again with ( XXXX XXXX capital one XXXX XXXX. I never joined or agreed for this company to handle my bank account with capital one and they consistently continue messing up my transactions and taking my funds. Example, I transfer money to make bill pay or capital one credit card payments and they intercept and charge me fees, keep my funds and do not apply it to my balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX
Product: Debt collection

After reviewing my credit file on XX/XX/XXXX I identified a discrepancy with account listed under VANCEHUFFMAN and validation was requested as this was ab account that i did not recognize. I reviewed my credit report again XX/XX/XXXX and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct. 

The company responded with this " Vance and Huffman LLC has reviewed XXXX XXXX complaint. The account was obtained on XX/XX/XXXX. On XX/XX/XXXX a letter was a sent to XXXX XXXX making her aware that the account was now in our office for collection. The statements made by XXXX XXXX are false and misleading. The account has been credit reporting since XX/XX/XXXX. This is in regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX obtained a loan for {$300.00}. XXXX XXXX provided her drivers license as verification and provided her bank account with XXXX XXXX XXXX acct # ending in XXXX. When payment was to be made the item was returned due to non-sufficient funds. On XX/XX/XXXX a representative reached out and the individual that was contacted would not verify any information and terminated the call. On XX/XX/XXXX XXXX XXXX contacted Vance and Huffman and she was given the phone number to the office that was handling her file. All calls are recorded for training and quality assurance. Vance and Huffman have not discussed the account in our office any time. This complaint is the only time the matter has been discussed with XXXX XXXX. We have placed the account in a disputed status and requested that all validation be sent to XXXX XXXX for her review. If we can be of any further assistance, please contact the office at any time, we will be happy to assist you. '' This does not verify this belongs to me my name is XXXX XXXX i am a man i have attached my identification. I have never spoke with this company. Again, this is mistaken identity. Next i will do a report with FTC for identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and saw some accounts and inquiries i did not authorized. I then contacted the company to see what needed to be done to remove these unauthorized items. I have since submitted all documents asked of me but have the items still persist. I have some huge goals i would love to accomplish in the near future and these items are stopping me from attempting and it is becoming frustrating.
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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX AUTO XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} EQUIFAX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXX Balance {$2600.00} XXXX XXXX XXXXX Balance {$0.00} WORLD XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC Systems fails to fully validate the debt. Original creditor was over 5 years ago which debt is passed the statue of limitations for Florida. Debt was just bought and not updated with correct open date. False debt.
Product: Credit card

I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
We were told during the transactions ( we called the AMEX representative and made the transactions over the phone ) that there would be no foreign transaction fees. XXXX XXXX of the chairman 's office said these fees would be removed as the AMEX mistakenly told us there would be no fees. XXXX told us they would be removed nearly a month ago and that has not occurred ). We ask that the entire charges be removed but if AMEX is n't willing to correct the larger error of the entire charge resulting from their miscommunication then at least remove the charges that you agreed to. 
I expect answers to be provided through this system and not via separate mail.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I sent a test run for transferring money ( {$1.00} ) from  Suntrust checking acct. to XXXX XXXX, which I have a checking acct., the fund arrived ( {$1.00} ) the next day. 
On XX/XX/XXXX, transferred {$1100.00} the same way .... as of this day it has not arrived at XXXX acct..and it has not shown up in my Suntrust acct. 
I have visit Suntrust each day asking to have it checked out, which they have, we have no results from the transfer Co. ( Fiserv ) that does the electronic transfer of funds for Suntrust. 
On XX/XX/XXXX .... I decided to run some more tests .... I transfer {$1.00}, XX/XX/XXXX transfer another {$1.00} and XX/XX/XXXX transfer {$1.00}. 
All of these transfer was successful in getting to XXXX checking acct. 
I have asked Suntrust to give me a provisional credit to my checking acct. which they have refused to do, HELP Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquired on Transunion are incorrect I have called customer service and they refuse to help. After there system failure all inquiries are incorrect and not authorized by me
Product: Debt collection

They are calling every day always from a different number for NY XXXX AND NY XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now in XXXX of XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XXXX has been removed because of this divorce. They said a divorce does n't have nay bearing, i beg to differ. 
Via nycourts.gov New York 's XXXX XXXX Law recognizes marriage as an economic as well as a social partnership. The law requires that a judge divide property as fairly as possible. So medical debt should be included, and ever since I have disputed items, things have dropped, because my ex wife will not pay it, so why should I shoulder the burden alone. 

The XXXX Law talks about XXXX types of property for purposes of divorce : marital property and separate property. Marital property will be divided between the XXXX spouses. 

Marital Property : all property either spouse bought during the marriage, regardless of whose name is on the property. Pension plans and other retirement plans are considered marital property. 


Previously in a complaint, XXXX responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XXXX, and I was not enrolled in XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XXXX of XXXX it is not more than 4 years old. 

Also found from XXXX " Collection activities are not permitted and are illegal against individuals who are eligible for Medicaid at the time of their health care service. Any debt collection practices need to stop. '' I was covered by Medicaid at the time. For some reason, XXXX is refusing to research the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of XXXX, I was alerted by XXXX XXXX that I had a negative comment that impacted my credit score. The comment was that Kansas Counselors , Inc., showed an unpaid bill from XXXX XXXX XXXX , XXXX, in the amount of {$770.00} for a visit to XXXX XXXXXXXX XXXX ER on XX/XX/XXXX. I contacted XXXX XXXX XXXX several times in an attempt to get them to remove the debt from my records. They refused. I filed a complaint with XXXX on XX/XX/XXXX, and I received their response today, XX/XX/XXXX. Their response was : " If XXXX was able to make changes to your credit report based on information you provided, they made those changes. Otherwise, XXXX asked the company reporting the information you disputed to investigate. '' I paid my copay of {$90.00} to XXXX XXXXXXXX XXXX on XXXX. Despite this fact, XXXX XXXX XXXX, Kansas Counselors and the XXXX XXXX XXXX have been unable to remove this negative remark from my credit score. I have never received a single letter or phone call from Kansas Counselors  since the account was sent to them on XX/XX/XXXX.
Product: Checking or savings account

I have filed a dispute with Chase Bank on debit card transactions that took place around end of XXXX 2017 until first week if XXXX 2017 unauthorized Chargers. First Chase Bank should stop having Representatives from orher countries trying to file a dispute for the customer because they 're on professional and unexperience representatives, I have filed a dispute for ATM transactions and cash advance transactions that took please on my account. This is what happened back in XXXX 2017 i was on a vacation trip to XXXX, California on my trip I lost my wallet in my wallet i had my Chase bank debit card. I called Chase Bank to tell them I lost my debit card and there were fraudulent transactions on my account so I filed a dispute and I was not reimbursed on the unauthorize fraudulent transactions that I filed, they give me a temporary credit and then reverse the temporary credit after I reported that I lost my wallet in my wallet that was the Chase debit card and my pin in there also with all my personal information, so Chase Bank send me a new debit card and I did not receive that debit card and then they stated that they go ahead and resend it again so the one that I did not receive I guess someone else received it so instead of Chase bank changing the debit card information they send the same debit card that first time that I did not receive so after that beginning of XXXX 2017 all kind of ATM transactions, cash advance transactions was happening all in XXXX XXXX County areas, so XXXX 2017 I found out that more than {$30000.00} was missing for my account so I filed a dispute with the unexperience chase bank Representatives in different country in the filing is that disputes were filed differently what I was disputing so because of that matter Chase Bank denies my claim and now when I 'm calling to find out the status of my dispute all I 'm getting is an answer that XX/XX/XXXX chase bank closed my account and denied my dispute and they can not open up a new dispute. I 'm filing this report because i want chase Bank to know that they lost more than {$30000.00} of my money and they could n't protect my money and because of the wrong filing with their representatives my claim was denied and my account was closed so I can not reopen this claims so I need somebody experience anybody from United States of America to try to help me resolve this matter more than {$30000.00} the money that I work hard for and that money that belongs to my family not to some stranger that Stole My Money and Chase could not do nothing about it or protect my account but instead closing the account and saying sorry we can not help you thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I informed all XXXX bureaus that XXXX  Credit that the 4 year reporting period in the state of TEXAS has expired on this account and they still continue to report in an being in violation with the FCRA. The updated their reporting date but did not change DELETE this account. Attached is the initial dispute requesting for this violation to be removed.
Product: Student loan

Navient raised my interest rate without any notification on my private loans! Also, I question whether they have applied extra payments properly to my principle. I need proof of this as well as my original contract with loan terms. I requested the loan documents be sent last Monday XXXX XXXX.
Product: Credit card or prepaid card

I received my new Synchrony Bank XXXX XXXX Credit Card in the mail. With the card came the terms and conditions that said my credit card interest rate was, as I had seen at time of application, was 24.90 %. I then got a letter a few days later that said my interest rate was not the best rate they offered and that by law my credit score was used in reviewing my application. It stated my credit score was XXXX. I was then instructed to all if I had questions. I called and asked them to explain what was the cut off for the best credit score and what was my credit card interest rate. The rep and the supervisor I spoke to " XXXX '' could not explain this to me and said they do not know what the score cut offs are. XXXX then told me my credit card interest rate was 25.15 % which is 25 basis points higher. I asked them how they could increase my interest rate on my card from application on XX/XX/XXXX. It has not been 12 months and the introductory promotional rate must be honored for at least 6 months. XXXX said they did not have to follow that law at Synchrony and she said she did not know what other credit card companies do, but at Synchrony, the interest changed on XX/XX/XXXX and so did my credit card interest rate. I tried to tell her about the Credit Card Act of 2009, and tried to explain to her the points below, but she would not listen. She said I had to write to Synchrony and there was nothing else she could do about it.

Interest Rate Increases : Credit card issuers can not increase interest rates within the first 12 months of the account being opened ( unless consumer makes late payments ). 
Introductory promotional rates must remain in effect for at least 6 months ( great news for people who take advantage of 0 % Balance Transfers ). 
Credit card issuers will not be able to raise an interest rate on an existing balance unless the cardholder goes 60 days past due on the account. 
Increased interest rates only apply to new charges and can not be made retroactively. 
No universal default clauses.
Product: Credit card

I am disputing the collection account with SELFINC/LEAD, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SELFINC/LEAD, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per IRS regulations, an unpaid charge-off is recognized as income. However, according to the FCRA, income can not be reported on credit reports. I have recently received a 1099-C ( Cancellation of Debt ) for the charged-off account under XXXX XXXX, Account number XXXX. Despite this, upon reviewing my latest credit report, I observed that this account is still being reported as a charge-off. It is imperative to adhere to regulations ; therefore, I kindly request the cessation of reporting and the deletion of this account from my credit report. Your prompt attention to this matter is greatly appreciated.