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

Hello, I continuously have submitted certified letters to all three credit bureaus making them aware of my address change for a while now, Discover Bank updated my address and remove the late payment due to my statements werent going to the correct address and thats against the Fair Credit Billing Act ( FCBA ), however a month later they added the late payment back and I didnt receive anything in writing that an inaccurate delinquent payment would be added back on my credit and that is against the consumer protection law, it requires a 5 day written notice prior to reinserting deleted items. I'm asking that you delete this inaccurate late payment due to my statement didn't go to correct address and that you update my address so that my statements can come to my home address which is the correct address.
Product: Checking or savings account

There is a hold on my checking account. I had n't been using the account when i noticed that it fell into a negative balance due to fraudulent charges. I reported this all to the fraud department at US Bank. They took care of the issues and fixed my account however an error on their end causes for my account to still have a hold. And they closed it right before it got resolved. Its not my debit card that has a hold. Its the checking account itself. I wo n't have access and have n't had access to my account in days.Which is no longer acceptable. I 've started a new job and my deposits will bounce back because they wo n't contact the case process worker to lift it.They keep saying that I 'll receive a call and I have n't. They tell me to call the branch and branch sends me back to the service center line. I 've spoken to over 20 representatives, each response different. My new debit card is activated and i ca n't even deposit or access my direct deposit. This is all unfortunate.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX Date of inquiry XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX/XXXX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Lender advertised business credit cards and did not disclose the requirements such as scores and negative credit items that will cause the lender to no approve application
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX of XXXX, I started getting letters in the mail that said I applied for ; a XXXX XXXX XXXX with XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX, and another Credit card with Wells Fargo. I have called each Company to report this is Fraud. I froze all of my Credit and signed up for Fraud alerts. I have also gone to the Police department to receive a report. Unfortunately, I have missed-placed any other letters that were sent through my mail, so I only have three.

Dates when received by mail : XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo XX/XX/ Not sure what else I need to do to protect myself..
Product: Debt collection

Jefferson Capital System is showing a collection amount owed in the amount of {$4500.00}. I have asked for proof of purchase as I am trying to clean up my credit and verify all debt. No records have been received after disputing and requesting with credit bureaus.
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] Subject : Dispute of Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several accounts listed under my name that I believe were fraudulently opened as a result of identity theft. Please note that I did not open or authorize these accounts, and I request your assistance in investigating this matter and removing these accounts from my credit report. Below are the details of the disputed accounts : XXXX XXXX XXXX Account Amount : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Amount : {$600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Account Amount : {$330.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Amount : {$630.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account Amount : {$250.00} Date Opened : XX/XX/XXXX As these accounts were not opened or authorized by me, I am disputing their validity. I believe my identity was stolen and used without my consent. 

Conduct an immediate investigation of the above accounts. 

Remove these accounts from my credit report as they are fraudulent. 

Provide me with written confirmation of the investigation results. 

I would appreciate your prompt attention to this matter. Please contact me if you need any additional information to assist in your investigation. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. I look forward to your timely response regarding this issue. 

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

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have XXXXwo of the same payment reporting on two different accounts I have never been late. 

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.
Product: Credit card or prepaid card

I am writing to bring a serious matter to the attention of the Consumer Finance. My complaint pertains to unauthorized interest charges that I have been facing from Synchrony Bank in connection with my credit card account with XXXX XXXX XXXX. 

On XX/XX/XXXX, I availed of a credit card through XXXX XXXX XXXX 's website, with the understanding that I would be eligible for a XXXX interest-free financing offer. Based on this assurance, I proceeded to make purchases using the credit card. However, since the initial purchase, I have been consistently charged interest, despite fulfilling all the criteria for the free financing option. 

I have attempted to resolve this issue by reaching out to Synchrony Bank 's customer service on multiple occasions. Unfortunately, my attempts have been in vain as they have been unable to rectify the problem or provide any reasonable explanation for the erroneous charges. I have attached relevant copy of purchase records and chat transcripts with XXXX XXXX XXXX for your reference. 

My total purchase amount from XXXX XXXX XXXX stands at {$2600.00}, which I have diligently paid in monthly installments, with the final payment made on XX/XX/XXXX. However, to my dismay, Synchrony Bank claims that I still owe them {$1800.00} due to alleged interest charges. I vehemently dispute this claim as I have made every effort to comply with the terms of the free financing agreement. 

I am a middle-class individual with a strong track record of responsible bill payment and a XXXX XXXX of XXXX, which reflects my financial credibility. Therefore, I find it inconceivable that I would willingly incur interest charges and late fees. My intention is to promptly resolve this matter and seek justice for the undue financial burden caused by Synchrony Bank 's negligence. 

I kindly request the Consumer Finance 's intervention in this matter to thoroughly investigate the issue and ensure a fair resolution. I believe that I have fulfilled all the obligations as a customer and should not be held accountable for erroneous charges that are beyond my control.
Product: Credit card

Purchased goods and services from Lowe 's using their store credit card. Product and service was done incorrectly. Filed dispute with credit card company Which was acknowledged by Synchrony Bank on XXXX XXXX 2016. Stated in the communication that when the investigation was completed I would receive a response via mail or email notifying me of the resolution of the dispute. Never received a communication regarding a resolution and was forced to continue to make minimum payments even though the balance was in dispute. Was threatened that my account would go into collections if I did n't make a payment. Dispute is still not resolved. Was also told I would have deferred financing and after purchase was told that it was n't deferred.
Product: Credit reporting or other personal consumer reports

The reason that I contacted your company is because I heard that you have a three week turn around in improving credit scores.

I contacted my creditors to request that my interest rate be dropped with no avail. I have been struggling since XXXX and still trying to bounce back. I have a HUD lien on my home for {$40000.00} due to COVID while I was trying to do a refinance with XXXX XXXX but they XXXX  me around month after month and then transferred me to XXXX XXXX. My husband has XXXX times 5 years and I am now XXXX and trying to pull my credit score up
Product: Credit reporting, credit repair services, 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 ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit report i noticed that there are a few items that i do not agree with. Equifax is saying that the following items in question meets FCRA requirements but failed to comply. I notice there are a few inaccurate things listed on my credit report as i like my report to show nothing but current information and not outdated inaccurate information and this is how i notice several items and requested removal. 
1.XXXX XXXX XXXX 2.XXXX  XXXX XXXX 3 . XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX, MO XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 6.XXXX XXXX XXXX XXXX XXXX, MO XXXX 7.XXXX XXXX   8. XXXX XXXX  9. XXXX XXXX XXXX, XXXX
Product: Student loan

I have been working from XX/XX/XXXX to XX/XX/XXXX to consolidate my loans with XXXX, and begin to make payments, as well as take part in Public Service Loan Forgiveness ( PSLF ). Throughout this process, I have been consistently given incorrect information. Originally, on XX/XX/XXXX, my estimated payments were {$150.00} per month. The next day, I was provided a new estimated loan sheet, with estimated payments at {$340.00} per month. I awaited the consolidation process, under the guidance that once complete, my payments would be around the {$160.00} per month mark. Upon completion of the consolidation, I received a new document that stated that my payments are effective in XX/XX/XXXX, and are {$280.00}, vastly different than {$150.00} ( the  amount I agreed to previous to consolidation ). 

I called to explain this, and expressed that {$280.00} was a little too high, and that I wanted to make slightly lower payments ( at {$200.00} or less ). Instead, they stated that they had made a mistake on processing my application, and that it should never have been approved as it was. They explained that my payments are to be {$330.00} ( {$60.00} more a month! ). Because I had called XXXX to work out a better payment arrangement, they found their own error and made my payments significantly more. What originally started as {$150.00} per month estimated, had become almost double by the time consolidation was complete. I requested to unconsolidate and go back to lower monthly payments to two different servicers, and was told that was not a possibility. They offered another option stating that it did not qualify for PSLF, at {$470.00} per month. I realized then that they had no intention of handling this issue with me, or considering their mistakes. I hung up with them, letting them know that I was very upset, and this payment was not feasible for me. I live in Florida, where the cost of living is quite higher than it is in other states. My rent, utilities, and vehicle to get to work ( so I can pay them ) were not considered in their payment arrangements.

The next day, today, XX/XX/XXXX, I received another written notification from XXXX stating that my IDR plan had been approved, and my new payments are to be {$340.00} ( another increase in two days ).

I am at a loss as to what to do anymore. Conversations with them go nowhere, as well as make things worse.
Product: Payday loan, title loan, or personal loan

ON XXXX XXXX, XXXX, I CONTACTED CASH NET USA VIA EMAIL CONTACT. MY STATEMENT/QUESTION TO THEM WAS AS FOLLOWS : " WHY DO I KEEP/CONTINUE TO RECEIVE LOAN PRE-APPROVED OFFERS VIA MAIL? I CURRENTLY HAVE A PAST DUE LOAN. I AM EXPERIENCING FINANCIAL HARDSHIP AND DO NOT KNOW WHEN I WILL BE ABLE TO REPAY THIS LOAN. I DID NOT REALIZE AT THE TIME OF APPLYING THAT THE RATES WERE SO EXTREMELY HIGH! I AM ALMOST PAYING DOLLAR FOR DOLLAR FOR THE AMOUNT I RECEIVED. IF I DO NOT QUALIFY FOR ANY ADDITIONAL OFFERS, PLEASE STOP SENDING OFFERS TO ME. PLEASE REMOVE MY NAME OFF OF THE MAILING MARKETING LIST. THANK YOU KINDLY. ''
Product: Debt collection

I received a letter dated for XXXX XXXX XXXX from XXXX XXXX XXXX, for a medical account from the, " Current Creditor '' XXXX XXXX, XXXX. Prior to making the call today to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, I reached out directly to Dynamic Recovery Solutions to find out about paying the debt in exchange for it being removed from my credit in writing. This negotiation was not solidified and so I advised I would not speak to them about the debt and hung the phone up. On today, XXXX/XXXX/XXXX, I reached out to XXXX XXXX XXXX XXXX, who is also indicated on the letter to find out if I had an account with them and they stated the last time I was with them was in XXXX & did not have any balance owed, nor anything sent to collections. After this conclusion and trying to call XXXX XXXX XXXX @ XXXX & receiving no response, I decided to reach out to XXXX XXXX or some other group to assist with the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had a dealership send out multiple inquiries to different financial institutions. I did not fill out an application, nor did I give permission for my credit to be ran. There was no vehicle that I had applied for at that time. I had visited XXXX  XXXX on XX/XX/2022 and had the finance representative falsify my credit application and forge my signature on the contract. I wrote a letter and mailed it on XX/XX/2022 to different financial institutions and included their letter they sent me declining me for a loan that I didn't even apply for. In this letter I sent, I wrote in bold letters, " I am officially requesting a copy of my specific decline reason ( s ). I am officially disputing my credit application. '' On XX/XX/2022 I received a letter from XXXX XXXX at Security Finance Customer Relations & Consumer Disputes on behalf of Professional Financial Services of VA LLC stating " Since the inquiry was made during the loan process, the inquiry is permissible and should not be removed. '' I left XXXX XXXX a voicemail to return my call. She called me back on XX/XX/2022 and I told her that what she said in the letter was not accurate and I asked where she got her information. She could not tell me where she got her information from. I told her that I did not submit that application and they should have investigated my dispute before dismissing it. I also asked her why I hadn't received my letter with my specific decline reasons and she had no idea what I was talking about. I told her multiple times that I requested to have a copy of my decline reason ( s ) so I could further dispute it. She told me they already sent me the letter saying I was declined. I had to argue with her and tell her she legally is obligated to send me an Adverse Action Letter based off the Fair Credit Reporting Act. I told her I am a manager at a bank and am well aware of the Regulations we have to follow and what my rights are as a consumer. Once I said that, she placed me on hold and came back and said she would send it to me. If I hadn't told her that I knew my rights and named the regulation, she would have continued to refuse my request. How many other people has she turned away that has asked for that.
Product: Debt collection

This Weltman Weinberg & Reis Co LPA ( collection agency ) keeps calling my employer work. This is happening every morning from number XXXX. Please stop harassing me at work. I do n't owe anything.. If I do please mail me information pertaining to these unsolicited calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XXXX. However, the account payment status is XXXX days late. The account payment status CAN NOT be XXXX days late on an account that has been closed for XXXX. The account status is wrong and should be closed. Now, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I want you to delete this misinformation on my file : XXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

LexisNexis is not following the law. To stall on my concerns they continue to ask for information already provided to them. There are several name variations and address listed on my report that are not accurate and causing me to be denied credit that I am entitled to which is my right to openly contract without interference. Again my name is XXXX XXXX there should be no other names listed on my consumer report. My only legal address and residence is XXXX XXXX XXXX XXXX XXXX XXXX  any other address is not correct and should be removed immediately.
Product: Student loan

I currently have XXXX consolidated loans under the XXXX plan which is currently under an injunction .The account is also under PSLF.At the commencement of the injunction, I received a later stating that interest would not accrue due to the account being under a mandatory forbearance. Today I received a letter stating interest will accrue durinh forbearance which violates the initial agreement of the injunction. My account now reflects XXXX XXXX XXXX  in compound interest as well.