23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reached out the experian they verified these accounts that do not belong to me. how cann a non human verify physical information. the accounts listed below need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address an issue regarding my home equity line of credit with XXXX XXXX This account has been fully paid off, and I have always maintained timely payments throughout the loan period. However, on my credit report ( XXXX and Transunion ), this account is currently reflected with a negative remark indicating that the loan was settled for less than the full balance. This inaccurate remark has significantly impacted my credit score, which is concerning given my consistent payment history and the fact that the loan was paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
XXXX XXXX XXXX accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

This debt was not verified. I specifically asked what Im being charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance : {$8700.00}
Product: Debt collection

I've received numerous calls to my personal and work phones regarding a debt that I do not believe was opened by me. I've repeatedly asked that they send debt validation info via certified mail so they can verify I received it but they instead persist in making calls without providing the debt validation info that is my right under the Fair Debt Collector Practices Act. They also consistently call both lines from spoofed numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Student loan

I attended the University of XXXX from XX/XX/XXXX-XX/XX/XXXX for my undergraduate degree. XXXX loan of my was private through XXXX XXXX, now Navient. When I completed my XXXX degree XX/XX/XXXX to a terrible economy I was allowed a forbearance and then a reduced payment. I was unable to find a full time job for 6 years. In the 3rd year I started working as a XXXX. I was making XXXX dollars XXXX. I had to XXXX to pay this loan each month, but I did it to keep it in good standing. I 've been working full time now, underemployed, for just over a year, and I declared bankruptcy to get rid of old personal debt. Clearly, I 'm struggling. As soon as Navient took me out of " bankruptcy forbearance '' they more than doubled the expected monthly payment. I called several times to ask for help. They took a " financial statement '' from me twice, each time they counted my income differently. XXXX stated I had XXXX dollars a month available cash to pay the loan and another stated I had XXXX. Neither are true. I am scraping by and unable to put anything in savings at all. I offered to pay what I was paying before the bankruptcy, and they refused. I pleaded with them, and I was told that they had done enough for me and now there was nothing more they were going to do.
Product: Checking or savings account

On XX/XX/XXXX I noticed and reported to capital One bank that XXXX was missing from my account, and that I did not authorize or take this money. The teller at the XXXX XXXX branch in XXXX was able to print out and show me where 5 ATM withdrawals where taken from my account in XXXX XXXX XXXX. The transaction occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted two complaints which were denied and a email to the bank and was told to reach out to the merchant. Which merchant? I informed the bank that my debit card is misplaced however I was still able to use XXXX XXXX to shop at restaurants and retail stores who accepted XXXX XXXX. This missing money was for the purchase of my used vehicle which now I am unable to purchase due to this incident at the bank and their refusal to address it and refund my missing monies. Please assist and help a XXXX XXXX  obtain her missing funds. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months. 

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response. 

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed this account in my credit report and I have no knowledge of. And I never had this account or credit card. This was not me. And I need this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested that a late payment be checked for verification because the original creditor, XXXX   XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX XXXX. In XX/XX/2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XX/XX/XXXX, which I know for a FACT is completely erroneous, because the late was in XX/XX/XXXX, not XX/XX/XXXX. How could these bureaus have properly identified with XXXX XXXX? I dont think XXXX XXXX   would have told them it was late the following month. XXXX even took it off and then put it back on as more incorrect than it previously was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Credit card or prepaid card

Misleading statements from Synchrony Bank for Amazon.com Store Card. 

I called Synchrony Bank customer service to find out why I had accrued an interest charge when I had paid the FULL " New Statement Balance '' ( Regular ) amount AND included the monthly amount due for my 2 promotional purchases ( one for 12 months and one for 6 months ). 

I spoke to a customer service agent who FINALLY explained CLEARLY what amount was actually due. 

In addition to paying the full " New Statement Balance '' ( Regular ) and payments for my promotional purchases in the " Account Balance Summary '' ( on page 2 ), you must ALSO pay the " Total Minimum Payment Due '' that is at the top of the statement ( page 1 ). 

This is exceptionally misleading and I believe purposely so. 

I incorrectly assumed the total min payment was INCLUDED with in the new statement balance. I am also assuming this information is somewhere in the fine print, but is not stated plainly in the statement every month as it should be.
Product: Credit reporting or other personal consumer reports

Navy federal credit union account # XXXX and XXXX is reporting inaccurate inconsistent information on my credit report and is negatively affecting me to obtain new credit.acording to the fair credit reporting act I'm entitled to 100percent accuracy and this company is violating my federally protected rights.i demand them to delete this account immediately
Product: Debt collection

To whom it may concern, I had a debt with XXXX and the debt was sold to I.C Systems. The debt was in the amount of XXXX dollars. The gentleman I spoke with regarding the debt offered me a settlement of XXXX and assured me that they do pay to deletes. I kept notes of every payment made, recordings of all phone calls, and also every notice sent in the mail. My last payment with my account was on XX/XX/XXXX. The following week I called to make sure that my account was paid in full and the young lady assured me that it was paid in full and even sent me out a notice stating that it has been paid with a balance of XXXX. When I called today to see when the account would be deleted from my credit report, theyre stating that I now owe a balance of {$210.00} because XXXX has very strict payment arrangements. When I made my last payment with them on XX/XX/XXXX. I asked them if I still owed a balance then why wasnt the balance coming from my account because I had my account set up for automatic payments. She stated that no bank account info was on file. I thanked her and disconnected the call and told her that I would be filing a complaint because at this point theyre trying to get more money from me than what we agreed and I refuse to pay a XXXX more. If documentation is needed, I will provide it.
Product: Debt collection

Because of being diagnosed with XXXX XXXX I was forced to break my lease early due to quarantine and travel restrictions to XXXX XXXX in XXXX fl. 
I contacted the the main office but due to covid 19 they would not let anyone in I did finally get to speak to someone in the office through a cracked open door. explained the above to them. and they would pass it on to the proper person. 
i left the apt in perfect condition as good or better than when we rented it. i did not hear back from them till i received a bill for more than three times what i would of expected. again I emailed the to explain the bill and show charges and credit for my deposit. But never heard back. 
Then I started to get phone calls from someone who never identified them selves. some call were as late as XXXX. finally receives an email that i responses to by mail. so far I have not heard back but they reported me to the credit bureau. 
the collection agency is Hunter Warfield -- XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX For XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX   XXXX Ga. XXXX
Product: Payday loan, title loan, or personal loan

I purchased furniture from XXXX XXXX in their store in XXXX KY on XX/XX/2018, totalling {$3200.00}. They had a 101 days same as cash promotion going on, and told me that if I did not pay it all in that time frame, it would roll over into a loan. I signed an application and had the receipts for the purchase. I do not remember signing anything electronic. The payments went to American First Finance. 
During the 101 days, I paid {$1000.00}. 
After this time, they told me that I would now owe a huge amount, where the electronic contract that I signed said that I would pay 144.60 % interest! I told them I did not sign this! I told them that was extremely unfair, and I believe that it is illegal! I continued to make payments and continued to call them and as of XX/XX/2018, I had paid the remainder of the purchase amount. Now all I owe is the interest on {$2100.00} for the amount of time that I paid on that money, which is 8 months. 
I have spoken to the company several times, trying to negotiate a fair amount of interest for the both of us for the amount/time frame of what I would owe them, which is {$2100.00} for basically 8 months. They have now put this on my credit report, saying that I am late on payments. 

The best verbal offer for settlement from American First Finance that I have is {$2400.00}, or they say I can make payments on the full balance of {$3400.00} ( on a purchase of {$3200.00}!! ). l believe this is illegal, and there are usury laws in KY that have a cap of 19 %. I had no idea what I was getting into with this company. I now need to trade my car and my credit rating has dropped several points, which is going prevent me from getting the vehicle. 

I am willing to settle this for 19 % interest for 8 months on {$2100.00} which calculates to {$270.00}. They are threatening me with a collection company. I believe this company to be using illegal and extremely unfair business practices to their customers. There are several online complaints just like mine where they done this to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX CAPITAL ONE Bank XXXX XXXX XX/XX/2022 XXXX I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE XXXX OR VERIFY ACCOUNTS
Product: Money transfer, virtual currency, or money service

I am a Wells Fargo customer with multiple business and personal accounts. Prior to an " update '' of XXXX and the WF system in XXXX, I was able to make XXXX payments from any account at any time. When the " update '' occurred, I was unable to make payments from more than one account without unregistering and reenrolling with each and every payment from a different account. 

In mid XXXX I called WF and received tech support and was assigned case # XXXX. I spent several hours on the phone with them as they attempted to trouble shoot. 

A few days later I received a call back and was told this is an ongoing issue with the " update '' and customers with business/multiple accounts and they would get it resolved. 

A few weeks later on XX/XX/XXXX, I received an email saying the issue was resolved. I was traveling in an area where I could not make toll free calls and was unable to call back until around the XXXX of XXXX to ask why the issue had been closed since it hadn't been resolved. The XXXX apologized and said the issue was ongoing and being fixed manually account by account and they said they'd reopen the issue and that it shouldn't have been closed. They also told me that I'd move back to the top of the Q since I was one of the very first calls about the system glitch. 

On XX/XX/XXXX I called back and was routed through the WF phone system to a supervisor in Banking ( XXXX XXXX - Alabama ). She told me that she didn't know about the issue but after being on hold with tech support, there was nothing they could do. I had also been told by an earlier agent that my case had never been reopened and it was still closed. 

I tried to confirm that she was now telling me that everything I was told was incorrect and I would need to unenroll and reenroll every time I needed to make a payment. She stated tech support told her there was nothing wrong with my account and would not give me a final answer to the question and told me to go to a branch. 

The call ended at that point. 

I can not get a straight answer out of WF as to why I have lost major functionality and use of this system in which i use to pay vendors. I do not understand why I was told they had to fix the issue and that it was a customer by customer fix and now I'm being told that I have to live with this very time intensive " new '' process. 

I was also told tech support would not speak to me directly ; yet back in XXXX and XXXX they were connecting me to them as soon as I called with a case number. What is the point of Wells Fargo customer service if you can't even speak directly to the group that's responsible for addressing your issue? I do not grasp how a banker is equipped to handle these concerns nor why WF has a policy of not letting customers speak to the group that is able to either properly explain or fix an issue.