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

I submitted a complaint for the account on my report for the amount of {$5500.00} from XXXX XXXX they are reporting information on my report that is inaccurate, the date of XX/XX/2017 is not correct! It was resolved previously by removing the avoiding but then placed back on my report. Please immediately remove this account from my report in accordance with the fcra!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  was the original creditor the account was first delinquent in  XXXX  and they subsequently sold the account. However, after the account was sold they continued to report the sold charge off for the next 5 years. The last update was  XXXX   XXXX ,  XXXX . The account is listed as sold. They are not allowed to continue to report once they sell the account.
Product: Debt collection

Submitted a Texas Debt Validation request under the Tx Finance Code. National Credit Systems responded with an incomplete validation that did not cover all items requested or required by the Texas Finance Code. They responded that they are not required to send the information requested. 

National Credit Systems Response - " The consumer has requested information that is not relevant to the validation of his debt. We have mailed the legal and valid copies of charges to validate this debt, as required by the FDCPA. Please have the consumer review the charges and contact our office. Thank you, National Credit Systems , Inc . '' I did not file a direct dispute under the FCRA. It was requested under The Texas Finance Code Chapter 392 which by law requires the below information. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 XXXX a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains inaccurate account information. Some accounts have incorrect payment histories, balances, or statuses that do not reflect my actual financial activity. These errors are unfairly affecting my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XX/XX/XXXXConsumer Financial Protection Bureau XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Consumer Complaint and Request for Immediate Investigation Dear XX/XX/XXXX I am writing to formally submit a complaint and request an immediate investigation into serious discrepancies and violations committed by XXXX XXXX XXXX XXXX XXXX XXXX and multiple nationwide credit reporting agencies ( CRAs ). Additionally, this complaint involves various purported creditors, furnishers, debt buyers, and collection agencies engaged in a pattern of collaboration and misconduct. 

Enclosed, you will find detailed documentation outlining the issues I have encountered, including false reporting, failure to verify and validate alleged debts, and the inclusion of inaccurate information in my credit reports. Despite my consistent efforts to address these inaccuracies, the CRAs, XXXX XXXX XXXX XXXX XXXX, and other involved entities have neglected their responsibilities, resulting in significant harm to my financial standing and privacy. 

Specifically, I request your urgent attention to the following points : XXXX. False Representation and Misleading Information : XXXX XXXX XXXX XXXX XXXX, along with other debt buyers and collection agencies, have reported to nationwide CRAs that my previously disputed item has been confirmed as accurate. However, the credit report falsely identifies a nonexistent entity, XX/XX/XXXX as the creditor. This constitutes false or misleading representation of the original creditor, creditor, debt buyer, or debt collector. 

XXXX. Failure to Validate and Verify Alleged Debt : Despite repeated requests for validation and verification, the alleged debt linked to the credit receivables account number ending XXXX has not been satisfactorily validated or verified. I categorically deny any responsibility for this debt. 

XXXX. Inadequate Procedures and Regulatory Non-Compliance : The nationwide CRAs have included this inaccurate information in my credit reports without implementing meaningful procedures to prevent this error, thereby failing to adhere to the Fair Credit Reporting Act ( FCRA ) and other federal laws designed to protect consumers. 

XXXX. Pattern of Collaboration and Misconduct : Multiple purported creditors, furnishers, debt buyers, and collection agencies appear to be engaging in a coordinated effort to misrepresent and mishandle consumer credit information, resulting in widespread inaccuracies and consumer harm. 

Given the gravity of these issues, I urge the Consumer Financial Protection Bureau to initiate a comprehensive investigation into the practices of XXXX XXXX XXXX XXXX XXXX, the nationwide CRAs, and other involved entities. It is imperative that these entities are held accountable for their actions and that measures are taken to rectify the inaccuracies and protect consumers from further harm. 

Thank you for your attention to this matter. I appreciate your prompt response and action to ensure justice and fairness in consumer credit reporting. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX XXXX InXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

On XXXX XX/XX/2021 when I went to use my card for a purchase I was told by the Automated Voice that the account was closed for any future purchases? My concern is this account was always paid on due date and due to medical hardship carried a balance. For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of Federal Service an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports.
Product: Credit reporting or other personal consumer reports

The mistakes on my report are preventing me from accessing opportunities I should qualify for. Its incredibly frustrating to see my scores affected by errors that dont belong on my report.
Product: Debt collection

I been having alot of problems with FIRST SOURCE but i want to report that they are proving personal information about me to others, they keep calling my work and have actually told 3 of my manager of my debt and now people know im in collections with them bc they provided that information to 3 of my managers. We also not suppose to received personal calls at work.
Product: Debt collection

Received fraudulent surprise debt collection having never received any bill. When sent a letter disputing and requesting verification, all that was received upon XXXX signed receipt of dispute, was an invalid resolved summons ( with a different amount no less ) and no bill or proof of anything.
Product: Debt collection

the state collection report wrong dept collection ( medical ) to my credit history for negative but this is not my dept also for harassment report to XXXX XXXX and all other credit score company!!? this is not correct for law
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on Equifax and 19 late payments on XX/XX/XXXX but there are no evidence of this in the accounts that I have on my reports. 
This inaccurate reporting has been negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/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 XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company.

Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Product: Checking or savings account

XX/XX/year> {$3500.00} XX/XX/year> {$750.00} I reported to my bank that my card was missing/stolen and that I did not make these transactions. The bank suggested I go to the car rental place and see if they could identify me and they said the person that brought the keys back to them threw the keys on the counter and ran out. They stated that the cameras they have do not go back more than a couple of weeks. I just found out last week about the charges on my card and I went and made the report to my bank.
Product: Mortgage

My wife, XXXX XXXX, and I closed on our co-op on XX/XX/XXXX, with the first payment with Guaranteed Rate due on XX/XX/XXXX. In XXXX, we received notice that our loan processor was changing and payments should be directed to XXXX as of XX/XX/XXXX. We made the XXXX and XXXX payments to XXXX. Sometimes after our XXXX payment was sent, we received notice that our loan processor was once again changing, to XXXX, effective XX/XX/XXXX, but that previous payments would be credited. As yet, neither the XXXX nor the XXXX payments have transferred to XXXX XXXX. After discussing our issue with the loan servicer, we were assured that our credit wouldn't be affected and that we would not receive any additional interest, fees or penalties on our account while it was worked out on their side. However, as of yet only our XXXX payment to the new servicer has been received, which was credited to the XXXX balance. 

On XX/XX/XXXX, we received XXXX notices, all dated XX/XX/XXXX, threatening foreclosure due to the unpaid balances. At that time, the last email we'd received from the XXXX, XXXX XXXX, was on XX/XX/XXXX. We followed up 3 times between the XX/XX/XXXX email and our receipt of those notices on XX/XX/XXXX. 

As yet, we have not heard any material updates from XXXX, XXXX XXXX, or Guaranteed Rate. We will be making our XXXX payment in accordance with the terms of our agreement, but have not yet seen the amounts we paid initially for XXXX or XXXX credited to our mortgage, nor have they been credited to our own bank accounts. During this time, my wife 's credit score has dropped over XXXX points despite her being timely in all of her other covenants.
Product: Debt collection

They called me every day all day long. They call on weekends starting at XXXX. Even on Sundays they start calling. At one point they were using a private number. I am paying for the XXXX XXXX already and this was supposed to be their bank cc. So who am I paying them or the company straight out. The company takes out a payment once a month already. 

This constant harassments is getting ridiculous .... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is some of the numbers they call from.
Product: Credit reporting or other personal consumer reports

This is an ongoing problem. Transunion continues to avoid the CFPB process and lies in its responses. This is the last time I try this route. if they don't respond on the merits I will start a lawsuit. 
. 
Here is the history : I applied for credit with XXXX XXXX XXXX in Wisconsin and was denied because Transunion had a credit freeze on my report. I never placed a freeze on my report. I called Transunion and after a long time on the phone they disconnected me. I went on line to their process for removing a credit freeze and after filling in all the required information it said " unable to verify identity '' and I could not gain access to remove the freeze. I called the phone number listed for website problems and was assigned a user ID XXXX and told to email Transunion with various documents which I did. The first response was they had trouble opening the documents- likely because they were encrypted. The documents were resent in PDF format and there was no response. I asked several times if they were able to open them. After a while I received a Secure Message from Transunion that said I could remove the credit freeze on line. However, the whole point was I could not gain access to do so. 
Then without a request on my part, Transunion sent a copy of my credit report and it says " Suppressed ''. My father who is an attorney wrote to Transunion 's general counsel and he never responded. I have attached the identification documents Transunion asked for originally as well as a copy of my credit report that shows it as being suppressed. I am still unable to access Transunion online. and it has refused to respond to the substance of three prior CFPB complaints filed on my behalf. 

Her is Transunion 's latest response- as anyone can see the response has no relationship to my complaint : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. We have mailed a copy of your TransUnion credit report to the current address we have on file for you. 
In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX  CARD SERVICES-VERIFIED AS REPORTED. '' As my complaint reflects I never asked anything about XXXX card services- and in fact nothing appears on y credit report, a copy of which is attached, as it is suppressed.
Product: Student loan

I knew that XXXX was transferring my student loan to EdFinancial. I have been making my monthly payments to the department of education via auto draft at {$200.00} a month since XXXX of XXXX. In XXXX of XXXX, I applied for a house loan and my credit score had dropped from upper XXXX to upper XXXX. Reason being that I now have an additional installment account on my credit report : XXXX with XXXX ( {$15000.00} ) and XXXX with EdFinancial ( {$15000.00} ). I do not have XXXX loans. I have XXXX. I emailed them on XX/XX/XXXX stating, I have been a part of XXXX and have made {$1400.00} worth of payments since XXXX of XXXX. According to my documents on EdFinancial, it says I still owe my original loan amount prior to those payments. When will that be applied to my EdFinancial loan? I also received an email on XX/XX/XXXX stating I was late on a payment. I emailed EdFinancial about both of these issues and their response was, You might also see delays and further updates to your eligible and qualifying payment counts as a result of the payment count adjustment.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to pull my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX {$3200.00} -account was included in a Chapter XXXX Bankruptcy, which was Dismissed XX/XX/XXXX. XXXX reported as a Charge-off without sending a 1099-C. I would like a copy of my 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted Santander Consumer USA I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new home.
Product: Checking or savings account

I had a checkings account with Comerica bank which I opened due to a promotional coupon. 
I tried several times to use online transfers but I didn't receive the original account number even after opening it online. 
I got a debit card but couldn't activate it. 
Due to so many issues, I requested to have the account closed. 
The account stayed opened and incurred in a fee for not having a direct deposit set up anymore. 
Most banks even offer a waived fee for such issue for the first occurance. The original fee was lower than the {$69.00} requested. 
But instead they send the fee to collections agency, XXXX XXXX XXXX XXXX and are damaging my credit.
Product: Mortgage

Wells Fargo was signing a prevention of foreclosure contract with us on the last day that the contract had to be signed they hit us with an additional XXXX to the contract and pretty much had us to sign it or lose the house!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1100.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts on my consumer report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the reporting agency that I discovered some unauthorized inquiries on my credit report which violated my consumer right In Accordance with the FCRA section 611, I have tried to resolve this situation but nothing as happened please kindly remove the following inquiries from me report because i do not authorize them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I reported a scam on my bank account on XX/XX/19 ( TD Bank ),  and was told the money would be refunded in 3-5 days. The total was {$3000.00}. 

I called back after 5 days and the next person I talked to said I dont know what that person was talking about, your fraud claim was rejected I filed an appeal, and kept calling and calling- I even went into my local bank at XXXX and XXXX XXXX in XXXX , and called several times. No one got back to me. 

I gave up, became depressed- but figured I would reach out here to see if anyone could help
Product: Credit card

My cc is with bank of America however the issue seems to be with VISA. Every month I am getting a recurring charge for {$29.00} from a company that changes it name. Mostly it goes by : XXXX. Atleast 4 times BofA has declined the charge. They missed it once but I caught it and complained. In all those cases they have stopped my card and issued a new one with a new number. Each month this fraudulant company somehow gets the new number from Visa and makes a charge for {$29.00}. I am not the only one. There is a website people have been using to complain about it for over a year. I have contacted VISA and asked the to protect my information nothing is happening and it happened again today. Here is a link to that site : https : XXXX