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

I have asked for debt validation from Porfolio for Debt Validations since XX/XX/XXXX to present. I have certified mail receipts. Porfolio has not send me the the following information I requested : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also  violated. 
I am entitled per 15 USC 1692k Monetary remedies {$1000.00} per violation. Negative account must be removed and collection must cease per violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit accounts with Synchrony Bank. I filed a dispute about a transaction in XXXX of 2021. When I tried to access my account, I was given the run-around. I tried several times to access my account using the website. 

I was placed on hold for more than 20 mins, no one came back to check. I was also sent a text, after providing the last 4 digits of my social security number. The representative also stated that the number on file which works could not be used even after she sent me the 5 digit code. 

What I do not understand is that in the age of technology, why are customers being subjected to these ridiculous methods of verification. If a customer has an online account then that method should be used, which includes the use of email attached to said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Citizens bank.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with XXXX and Trans Union and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by 60 points. This is a report that I also disputed right away because the debt was originally discharged in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.
Product: Credit reporting

I had a tax lein from back in XXXX, originally reported about XXXX. I have paid this lien ( XX/XX/XXXX, when i bought a house ). The XXXX court XXXX XXXX XXXX, FL ) shows it as paid. and on XXXX it is reporting correctly. I have talked with them and they say Equifax does not call, just goes on the court website and they do list XXXX documents, but they are not XXXX leins. XXXX is the original lein, XXXX is the payment notification from the IRS, and the XXXX is the release of lien. 
Equifax , on the other hand refuses to update the original lein to paid, even though I have submitted copies of the original lien, the payment, and the release. They state they must report all XXXX as public records and do so and mark them all as unpaid, which has dropped my credit score over XXXX points as compared to XXXX. I have filed XXXX onlline complaints and they refuse to address this oversight. I posted a comment / explaination to my credit file and they wont add it to the case either.
Product: Debt collection

They claim to be National Credit Adjusters-Seeking money I borrowed from XXXX XXXX XXXX over a year ago. It was for around {$500.00}. The man named XXXX was very rude, telling me to go take a loan from a bank, asking me where I bank, if I care about my credit and kept asking many rude questions. I kept my cool and told him I would deal with Ace themselves. He continued to be very rude and degrading. I was willing to work out a payment plan but he kept insisting I go to a bank which I am not going to take out another loan.
Product: Credit card or prepaid card

XX/XX/2020 I discovered a fraudulent account in my name issued by Wells Fargo. I have notified Wells Fargo of this fraudulent account and submitted Identity Theft documents
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent " UNITED REVENUE CORP '' collection company a Debt Validation letter disputing this account under section 809 per the FCRA. They responded by sending me my personal medical information from an alleged bill. This information included my personal medical information which makes this is a HIPPA violation, and I intended to sue for every dime if this account isn't removed from my credit report ASAP! I have well documented all of my correspondence ; the letter I've sent to UNITED REVENUE CORP as well as a received response from UNITED REVENUE CORP, I have everything I need to prove in court without a reasonable doubt that my rights have under the FCRA have been violated.
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the unauthorized account appearing on my credit report, which is the result of identity theft. This account is causing significant disruption to my financial standing, and I insist on its immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing this fraudulent account with the bank. However, the lack of cooperation and information from both the bank and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove this questionable account from my credit report. 


XXXX XXXX  XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ] XXXX XX/XX/XXXX Re : Dispute of Unauthorized Use of My Personal Information - Account with XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the information that is currently being reported on my credit file concerning the account below. Specifically, I am disputing the collection account that is being reported by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX. I have never provided written consent for any party to furnish or obtain my personal credit information, as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

Here are the details of the disputed account : Creditor/Agency : XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$7300.00} ( Past Due as of XX/XX/XXXX ) Status : Collection Account Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX Account Type : Collection Status Updated : XX/XX/XXXX Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or obtain credit information if there is written consent from the consumer or a permissible purpose as defined by law. To the best of my knowledge, I have never authorized XXXX XXXX XXXX XXXX XXXX or any affiliated parties to access or report any information about my credit file. This unauthorized access and reporting is a direct violation of my rights under the Fair Credit Reporting Act. 

I respectfully request that you immediately investigate this matter and remove this collection account from my credit report. If you are unable to provide proof of my written authorization or any permissible purpose for this reporting, I demand that the information be deleted from my credit file. 

Please send me the results of your investigation, along with an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries viewed by others and me, currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX  XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Mortgage

Carrington contacted me to refinance my loan with them and I agreed, they pulled my payment history with them and approved the refinance, I submitted everything and was told we would close before the end of XX/XX/XXXX. Meanwhile, they had held my XX/XX/XXXX payment which was made on the XX/XX/XXXX for {$1000.00} and put it in an " unapplied category '' and did n't tell me my payment had went up {$52.00} for escrow.. Carrington said they notified me by mail but I never recieved anything.. So they showed I did not make my payment. They have since reported this to the credit bureau that I was over 30 days late with my payment ( dropped my excellent standing to below average ) and have since disqualified the refinance because of a late payment. I have the printouts from my bank that I have paid my loan every month for the 10 years I have had it. Even their website shows the payment but not applied to anything. My original mortgage was with XXXX and they sold a block of notes to Carrington a few years ago. They treat people terribly, like criminals trying to collect money. They results of theire actions have been very detrimental and I think criminal. I have worked hard to have my credit rating and they have abused the power they have. XXXX XXXX
Product: Bank account or service

I deposited a monthly paycheck into my local Bank of America ATM on Saturday, XX/XX/XXXX at XXXX in the amount of {$1700.00}. {$300.00} was available immediately, and per my online app, the balance of the check would be available Monday, XX/XX/XXXX, as I am accustomed to. I used my ATM card to make a purchase today, Monday afternoon, XX/XX/XXXX, and my card was declined. I called BOA to ask why my money deposited on XX/XX/XXXX was not available, and they said it would be available on Tuesday, XX/XX/XXXX. Since I have been with BOA since XX/XX/XXXX, I know this is a departure from practice, since when I deposit a check on the weekend, it is available on Monday, the first business day. I spoke with XXXX customer service staff who both sympathized, but both said the check would n't be available until XX/XX/XXXX, 4 days after the deposits. They both stressed there is no hold on my account, it just takes that long to process my check. This is a check I have deposited monthly for 14 years, issued from the State of California. I asked both customer service staff what has changed, and why was n't I informed, and they had no answer. Perhaps cfpb can help me navigate this, as no one has answers, and this is clearly not right.
Product: Debt collection

The {$2500.00} is a CHARGE-OFF amount from XX/XX/XXXX on a Synchrony Bank credit card for my PayPal Business account. I had this account for 8 years before I was unable to pay and it charged off. I closed my XXXX store and retired in XXXX, XXXX after my husband became XXXX from an accident in XX/XX/XXXX. My only source of income is my XXXX which is {$1100.00} per month. My husband receives approximately $ XXXX  monthly in SSID. We don't have any property ( we rent ), no pension, no 401K, no IRA, no Bonds, no Savings.

Synchrony Bank is harassing me through the Small Claims Court to recover with Collectors an original amount of approximately {$1800.00} which they blew up with fees to {$2500.00}. First I received a Summons to Small Claims Court from XXXXXXXX XXXX XXXX XXXX  in XXXX, XXXX. I was required to pay an Appearance fee of {$210.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed paperwork explaining my Retired Status. I've never heard from them again about appearing in court. Today, XX/XX/XXXX, I received a notification from Synchrony Bank that they've sold this debt to a new collector : XXXX XXXX XXXX. My XXXX and my husband 's XXXX are not legally subject to judgements and Synchrony Bank and the collectors know this, but they are harrassing me to pay anyway. They hope that I don't know my rights and will comply with their illegal demands. THEY MUST BE PUNISHED AND PUBLICALLY SHAMED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is the last straw!!!!!! Today like I been doing for the last XXXX months called in to ask Equifax why are they not updating my information. I have spoken to XXXX XXXX on XX/XX/XXXX they told me they last reported on XX/XX/XXXX stating I have a XXXX XXXX  for a credit card limit of XXXX it has been that way since the card was paid off XX/XX/XXXX. The answer from equifax is send in a dispute every time I send in a dispute The dispute says resolved. When I call XXXX XXXXXXXX they say they have resolved the issue because on their end they are accurately reporting the information every month which is I do not owe. 
In return equifax startes well you have multiple account. When asking why do I have multiple accounts equifax replies we can not update your birthday we have a team that updates information and the logged it in wrong. We have to put in a ticket and it will take XXXX XXXX from today to be resolved from XX/XX/XXXX the lady also asked to put in another dispute I said no because you guys are not updating the information is it possible to speak to a manger rep hung up in my face and switched me to the survey after I had been on the phone for 1 almost 2. This is ridiculous I want my credit to report accurately on equifax like it is doing with my other credit agencies
Product: Debt collection

persistent debt collection warnings with a phone number not publicly verified. 
We do not recognize this. I have previously called looking for information and felt like the agent was a scam call center
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not own this debt. TRANSWORLD SYSTEMS XXXX reported to XXXX a collection in the amount of {$350.00}. They failed to contact me for verification and failed to forward me my consumer rights or notice either before they furnish the negative information or within 30 days of furnishing it. Therefore, Inaccurate, incomplete, or unverifiable information must be removed.
Product: Credit card or prepaid card

On or about XX/XX/2020 I attempted to pay a wireless cellphone bill that was in another parties name which when the wireless phone company attempted to obtain the {$5.00} fee for the cell phone bill they submitted there request to my US Bank relia debit card account by using the other party name and address who is on the wireless phone company account which US Bank card Holder services rejected the request which was a honest mistake made by the wireless phone company which US Bank card Holder services placed a Restriction on my US Bank relia debit card account on XX/XX/2020 making it unable for me to withdraw any of my Money that is on my US Bank relia debit card account which I have over 12k in that US Bank relia debit card account which they instructed me to Fax US Bank card Holder services Proof of my current Address and my Identity which I Faxed my Proof of my Address & my Identity twice on XX/XX/2020 & XX/XX/2020 and US Bank card Holder services has refused to still Remove there Restriction that they placed on my US Bank relia debit card account causing me Not to be allowed to withdraw any of my Money that is in my US Bank relia debit card account which is Ineligible account now and since XX/XX/2020 I have been unable to obtain any of my Money from this US Bank relia debit card account to buy Food for my home and pay my bills which are Past due can some one Please Please help me get this US Bank card Holder services to Remove there Restriction they placed on my US Bank relia debit card account or what other options due I have to get my Money off of this US Bank relia debit card account Please help me???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ).
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/21 contacted the furnisher and XXXX via telephone, email and certifiedd letter. Multiple attempts have been made regarding the correction, verification of information for XXXX XXXX, First issue, payment history disputed, trans union kept telling me that the information is correct and that Comenity, the furnisher verified as accurate. In an effort to get the correct information regarding the charge off amount, payment history 1st delinquent date and charge off dates, I contacted the furnisher directly via telephone, via cert mail and via CFPB complained already closed but attachments included will show the company response. I went ahed and responded to the furnisher directly because you closed out the previous complained as resolved. XXXX deleted the information disputed instead of conducting a full re-investigation, attachment below of the results. Yesterday, I called XXXX directly and asked them why do you keep reporting X in the payment history and the rep replied because the furnisher does not and we have to report X because the furnisher has no knowledge. I am filing this complaint seeking the enforcement of complete, accurate and verifiable information reported in my consumer report. The lack of cooperation from the furnisher only shows violation of policy, adjusting the delinquency and re-aging the status of the account. Furthermore, the balance due at the time of the first delinquency was around {$110.00} but we have a charge off amount of {$640.00} Furnisher is reporting false payment history and attempting to re-age account with the intent to continue to add unnow fees beyond the time allowed by law, the fees are in excess for example if a payment due is {$8.00} and consumer fails to make the payment, the late fee is 2-3x higher per violation vs the min payment due. XXXX does not want to loose the business or the account and is not enforcing the furnisher agreement instead they are just omitting, deleting and not abiding by the laws of FCRA.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

I looked at my Experian credit report multiple times, more recently on XX/XX/year> and noticed some items are still incomplete and inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Checking or savings account

See the attached email received from Bank of America in regards to joining an exclusive XXXX XXXX advisory panel. I have not been a customer of XXXX XXXX  for years. The email states in order to join I need to be a customer. It also states my family members can not be employed in the financial services industry. As a former employee BofA knows my spouse works in the financial services industry. Why are they sending this to me? Is it because they are so big that the left hand does n't know what the right hand is doing?