23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 an amount of {$610.00} owed was reported to XXXX   from XXXX XXXX XXXX. The creditor is with Commonwealth Financial Systems. I am unaware of this charge or amount owed. It is an unknown provider and unknown service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that aren't mine.
Product: Credit reporting or other personal consumer reports

This is in reference to inaccurate information that DEPT.OF ED/XXXX  is providing to EQUIFAX and EQUIFAX is publishing to my consumer file.The inaccurate information is in regards to late payment ( s ) which never occurred and is being represented as 120 days late in XXXX XXXX  but timely payments on months prior and my accoint were never late on any payments. UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EQUIFAX CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY
Product: Credit card or prepaid card

synchrony bank has closed 6 out of the 7 account i have opened, yet then keep extending credit to me with excellent payment history, why would they close them. Their ramifications will destroy my credit, yes it is in their T & Cs but they lioterally closed all of my accounts with EXCELLENT PAYMENT HISTORY, and close all the accounts due to high risk is XXXX. Please reverse these changes. THE FCRA SHOULD BE IN SHAMBLES ABOUT THIS. CLOSING ALL OF MY ACCOUNTS DUE TO RISK YET EXTENDING CREDIT TO SOMEONE WHO IS A " RISK ''. I AM WANTING TO SUE SYNCHRONY FINANCIAL. They will get their money, but not their business. they have screwed my credit now with closing 6 out of 7 accts. my AAoA will plumet and my credit card utilization will skyrocket in debt, yet i make my monthly payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This issue is with Synchrony Bank / Paypal credit ( SYN/PPL ) I was laid off from my job in XX/XX/2019. In XX/XX/2019 I organized with paypal credit to be put on a program where I would pay {$65.00} per month on the past due amount I had with them until I got a job again. In XX/XX/2019 after reviewing my bank statements and double checking that the automatic deductions were still in place, I noticed Paypal hadn't deducted anything at all towards payment of my account and the account was now {$390.00} in arears. I called them to ask them about this and we reinstituted the payment plan and I went on the app and set up the payment plan again and paid the {$65.00} immediately. On XX/XX/XXXX I noticed there was an unauthorized transaction for a payment of {$390.00}. I called paypal credit and they acknowledged that I did not authorized it but told me it would take 15 days for it to be refunded. Today XX/XX/XXXX they have reported on my credit that there has been no payment on the account in the past 90 days and that {$390.00} is a charge off and the entire account is a charge off or in collections. This is fraudulent and unfair since I have done my due diligence to try to pay them and set up arrangements I could afford and they are acting viciously and illegally to strong arm me into paying. I called them this morning and they are refusing to properly report that I am not delinquent and remove the charge off.
Product: Debt collection

I visited the XXXX location XXXX XXXX XXXX, ( XXXX ) XXXX at in XX/XX/XXXX after verifying that they accepted my insurance. At each visit I provided my ID card showing proof of dental coverage. The company only submitted one claim for services provided. My copay for services was 20 %. Per my HSA records I have met this payment amount ( excluding the over priced toothbrush and fluoride rinse I purchased from them ). I confirmed the billing codes with my dental provider. I made payments for services at the time of my visits. The practice neglected to timely file claims with my dental provider and have submitted my information to 2 collection agencies. I have been threatened to have adverse information reported on my credit. I do n't mind paying what I actually owe. I knew the services would not be free of charge. And I received good service from the dental staff. But I do not think that I should be liable for the practice poorly handling their claim processes. Instead of billing me the 20 % they are attempting to bill me for 100 % of the charges incurred. I am attaching a copy of the letter I sent to the practice and the collectors to explaining the issue. I was first approached by XXXX. XXXX, XXXX XXXX XXXX on behalf of XXXX. Their letter gave me 30 days to respond in writing. After responding I received 2 phone calls. When I was able to return their call, I did not receive a call back. Later, I received a letter from a different collector ; Central Credit Services, LLC, XXXX, XXXX XXXX. XXXX. I am writing them a letter on the same day that I am submitting this complaint. I will also respond to a letter I received from XXXX dated XX/XX/XXXX. Contact : XXXX., Patient Satisfaction XXXX xXXXX ; XXXX, XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times, via telephone, also faxed a letter to them informing them that I can not access my.equifax.com account. I always have my credit reports frozen, because I had ID Theft about two years ago and I have always been able to call and unfreeze them temporarily when needed. For some reason I am no longer able to do that with Equifax, I have called, and they told me to send them a letter with a copy of my SSN and my DL and copy of a bill with my name and address, stating what information I need. So I wrote them a letter as they requested and I still can not get access, every time I call them I am with them for an hour and I do everything they tell me and I still can not get access. They do not know what is wrong and I can not get access to my report to be able to see it, or unfreeze or or freeze it when I need. I don't know what else to do. I called the following number XXXX and XXXX and I also faxed a letter to them, which they confirmed as received. I hope you can help me. I need to be able to freeze and unfreeze my report and need to be able to have access to my report, in case of ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.
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 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 or other personal consumer reports

I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore. 1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 also under the accuracy and verifiable of info. 

XXXX XXXX XXXX c/o XXXX  C/o XXXX XXXX XXXX acct XXXX XXXX {$12000.00}. 
Date opened XXXXXXXX  This account was originally from an fraudulant XXXX XXXX DATE opened XXXX  This is an illegal and fraudulant account opened that was originally deleted from all credit bureaus and XXXX due to fraud back in XXXXXXXX  when I had reported and filed an FTC ID THEFT affidavit along with the reaching out to bank. 

TRANSUNION and XXXXXXXX XXXX XXXX has illegally and fraudulant added this account to my report with a new opened date and has effectively fraudulantly reaged this account. 

I want this account removed immediately or I will sue for intentional fraud and violations of my consumer rights. 

I have enclosed the FTC ID theft affidavit I had filed back in XX/XX/XXXX to prove the fraudulant account was not mine and XXXX XXXX XXXX and XXXX has illegally obtained and shared my info without my consent.
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 XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : 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 card or prepaid card

First Access is reporting under the name XXXXXXXX XXXX XXXXXXXX XXXX  on XXXX and XXXX with Total Visa Cards contact information. 

This account was paid to be removed and closed XXXX of XXXX through total card inc. that was emailed to me the same day. it was removed from my credit report as agreed. It was added back about more than year ago, and I have been disputing with the credit bureaus and XXXX XXXX every month. along with calls, emails, faxes. They never even sent my credit history which was requested as well. 

They have been reporting incorrect data on months after closure of the account causing my credit to drop even putting charge off status and lates in XXXX. Putting me at risk of being homeless. due to recent home purchase and lease ending. 

I have been calling Total Card since its the phone number on my report. No one has access. Not even First access customer service has it. Only the back end office and the only way to contact correspondence is through fax not even they have access to this department. 

I am in the middle of purchasing my home and am set to move out at the end of the month. The recent credit drop has put a delay and time limit for this to be updated. 

I've explained to everyone my situation and no one could help either because they cant access my account- so they cant transfer or they tell me to dispute it and that they cant contact the corresponding department. 

Every time that I dispute, its new random information added to my credit report. XXXX and XXXX have both guided me well however limit information since there is not contact information for correspondence at first access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these items removed from credit profile XXXX XXXX .XXXX..XXXX XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions.
Product: Checking or savings account

I XXXX XXXX, submits this complaint against TCF Bank ( hereinafter TCF ) for allowing unauthorized automatic draft from my checking account. 
On XX/XX/XXXX, a merchant unknown to me doing business as XXXX XXXX XXXX withdrew {$49.00} from my checking account. I have no knowledge or no business with this company. This was the first unauthorized withdrawal. Second XX/XX/XXXX for {$49.00} this caused an overdraft fee of {$15.00}, on XX/XX/XXXX another fee for {$49.00} was withdrawn caused an overdraft fee {$15.00}. 

I became of aware of these fraudulent transactions after I attempted to make a ATM withdrawal. I contacted tcf Bank they informed me of the bank that was making these alleged withdrawals. They also claimed that it seemed suspicious according to their records. Whereas, I have never authorized any automatic payment from account since opening on or around XXXX. The bank representative informed me that they suspected some illegally activity but refuse to XXXX XXXX my account unlike most banks and credit cards company. I also believe that someone from within TCF who is authorized to monitor my account. Is fully responsible for my hardship. 

This fraudulent transaction has brought hardship and stress as a senior citizen living on a budget, I can not afford any overdraft fees that I am not responsible for. TCF failed to notify me of these illegal transactions and too safeguard my identity. They refuse to start a complete investigation to have the bank in question to refund those illegal withdrawals. TCF also allowed for my identity to be misused and abused.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to CXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Checking or savings account

Back in XXXX There was XXXX Transactions with XXXX XXXX. Both transactions were disputed and I processed a claim. I only received one in the amount of {$5900.00} and the other was for {$2600.00}. I was advised that the claim for {$5900.00} was approved and that because the other one came back automatically they had closed my claim. I then called US bank and advised them that they took out my money again without my consent and I was told not to worry that they were going to re open the claim and credit the money since the 1st one was approved already the 2nd claim should also be approved. I request for that money back. I just received this collections letter and all this time US bank never advised that my account was in negative or in collections. I demand that the they do not put any amount in collections since I advised US BANK timely and filed my claim advising them that both amounts were not authorized by me. The account in question was closed due to fraud which ends in XXXX. It was closed in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting by XXXX on my credit report regarding Account Number : XXXX. They have reported late payments that I did not incur, violating my rights under 15 USC 1681 A 2 ( b ). 

I have attempted to resolve this with XXXX but received no proof of investigation or resolution. I request the CFPB to investigate this matter and ensure my credit report is corrected. 

Thank you for your assistance.
Product: Credit card or prepaid card

Comenity Bank owns the Victoria Secret credit card. They closed my credit card and there is a credit balance of $XXXX. I spoke to manager XXXX on XX/XX/XXXX at XXXX; he told me I will receive it by end of XX/XX/XXXX. I still have not received a refund.
Product: Debt collection

Back in XXXX I received a phone call stating that my husband owed this company money and they wanted to resolve it over the phone. I asked what the debt was they told me it was a credit card debt that they wanted taken care of over the phone. I asked for written documentation they told me they could only fax or email me the information. I told them I wanted valid information that they were a legitimate company and that the debt was in fact valid before I would agree to anything. Then in the end they said t hey would send something out. I waited 2 weeks and still nothing but they were calling asking for their money I told them I had not received anything in the mail and I was n't going to pay them anything until I got proof. They sent me a letter stating that I would pay so much a month to pay back the debt. Nothing about documentation regarding the original debt. They said they were going to sue me on a debt that has been removed from the credit report and is no longer valid. I received a phone call asking to speak to XXXX I told the guy on the phone that he was not there he just started telling me information that I needed to tell XXXX not verifying that I was his wife until after he gave me the information. He gave me a bogus case number XXXX and told my husband to call ( XXXX ) them to set up a court date because of a lawsuit.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a credit reporting violation I have experienced concerning the XXXX XXXX XXXX XXXX account, which was reported to TransUnion and is damaging my credit profile. The account was placed for collection and reported inaccurately despite previous court-ordered adjustments. 

Details of the Complaint : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Incorrect Balance Reported : The account currently shows a balance of {$17000.00}, which is not accurate. As per the agreement in a court ruling, the balance was supposed to be adjusted to reflect the last month 's rent and other credits. This adjustment was never made by the creditor, and the account continues to be reported with the incorrect balance. 

Failure to Apply Court-Ordered Adjustments : Despite the court 's decision, XXXX XXXX XXXX XXXX has not complied with the court order to apply the agreed-upon adjustments, including the correct balance owed. The inaccurate balance is being reported as past due, further damaging my credit. 

Inaccurate Account Status : The account is listed as " PLACED FOR COLLECTION '' and shows a high balance of {$17000.00}, which I dispute. The creditor has failed to reflect the accurate terms of the agreement set by the court and continues to report this incorrect information, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the following actions : Ensure that TransUnion and other credit reporting agencies are provided with the correct and updated balance for this account, which should reflect the adjustments made per the court ruling. 
XXXX XXXX XXXX XXXX XXXX 's failure to comply with the court order, including their refusal to adjust the balance and apply proper credits. 
Investigate the continued misreporting of the account status, including the incorrect " PLACED FOR COLLECTION '' entry that is damaging my credit. 
Ensure that XXXX XXXX XXXX XXXX is held accountable for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and to correct this matter in a timely Please let me know if you require any additional information to assist with the investigation of this matter. 

I expect a timely resolution to this issue and appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XXXX or XXXX we purchased a XXXX XXXX XXXX for my son. The vehicle has since been paid off. In XXXX my son was XXXX. His daughter is now XXXX and would like the car for herself. I lost the pink slip in a fire and the only item I could locate was an old registration. The registration indicates that Wells Fargo is still the lien holder, as a result I am unable to transfer the title to my granddaughter.
Product: Credit reporting or other personal consumer reports

Pentagon Federal Credit is showing accounts for a Credit Card and Line of Credit as late beginning as far back as XX/XX/XXXX when at that time XXXX XXXX XXXX XXXX. As of XXXX, these accounts should have been closed. Please see discharge letter included with this complaint. These items are showing on all 3 Credit Bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer