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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 Sectio
n XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : Dispute Regarding Inaccurate Charge-Off Account on My Credit Report I am writing to formally dispute an inaccurate charge-off account appearing on my credit report from XXXX XXXX, which I received on XX/XX/year>. The account information in question is as follows : Account Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> This information is inaccurate because the account was included in the XXXX request that you investigate this matter thoroughly and remove this inaccurate information from my credit report within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 
Please notify me in writing within 30 days of the results of your investigation. If you find the information to be inaccurate, I request that you update my credit report and provide me with a copy of the revised report.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Ohio and was financed through First Investors. After struggling to pay the loan, and XXXX repossessions, the vehicle was eventually totaled and not reimbursable by XXXX leaving a balance of over {$17000.00}. The account was turned over to an attorney 's office who took me to court and we agreed to a reduced payment plan. I recently learned about XXXX protections and my husband is currently XXXX XXXX with the XXXX XXXX ( enlisted in XXXX ) and is also an XXXX XXXX. I sent a written request for XXXX benefits along with my husbands orders to First Investors, who denied the request stating that Ohio is not an exception state for the XXXX for spouses on XXXX XXXX and are not co-borrowers. I contacted them back since Ohio is a KP state and that per Ohio revised code 1343.031, XXXX benefits are required to be extended to spouses. Their compliance department reviewed my account and Ohio statutes and said my loan does not qualify and to refer to my original denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove account from the credit report.
Product: Checking or savings account

On XX/XX/2021 I used XXXX to transfer XXXX to XXXX XXXX a food service merchant to deliver hot food to my grandfather in XXXX XXXX. The recipient advised me that the funds were never received via XXXX. I reached out to XXXX to reverse the transaction with XXXX however they were unsuccessful in getting a response from XXXX so they were not able to reverse the transaction. As a result I reached out to my banking institution Capital One to dispute the transaction to fight on my behalf to retrieve my funds from XXXX. My dispute was wrongfully denied by capital one so I am taking the next step to see what can be done to retrieve the funds taken from my account as the recipient never received the transfer of XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization.

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are 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: Credit card

I purchased furniture making use of a twelve-month, same as cash offer via Synchrony Financial ( formerly GE Money Bank or GE Capital ). I established a monthly recurring payment with my bank, which processes a payment to Synchrony in the amount of {$150.00} on the XXXX of each month. I received a statement from Synchrony indicating that they did not receive a payment from me in XXXX or XXXX. They applied a {$25.00} late fee. After XXXX phone calls with Synchrony ( XXXX being escalated to a supervisor, XXXX ), I was told that I had to fax proof of my payments to Synchrony. I obtained proof of the payments from my bank, and fax those documents to Synchrony as well as a letter stating that I wanted them to take certain actions, which included crediting my payments as well as explaining why they were not crediting the payments that had been sent. My fear is that this will continue to happen unless they correct the issue. I want an explanation as to why there are not applying my payments. Further, I stated that I wanted something in writing stating that I did not make any late payments as I 'm concerned this will impact my excellent credit rating. I faxed all of this information to Synchrony on XXXX XXXX, at XXXX. The fax transmission confirmation document was produced at XXXX, which is evidence that they did, in fact, receive my fax. It is XXXX XXXX ( 7 days later ), and I have not receive XXXX bit of communication from Synchrony. They have not indicated that they received my documents, and certainly have not addressed the items I asked them to in my fax, namely crediting my account, providing me with assurance that they 've found and corrected the problem, or a letter stating that I have not been delinquent in my payments. I have received absolutely nothing from them. I researched this company online and was astonished by the number of complains just like mine. It appears that this is a common practice with Synchrony. In fact, " XXXX '' has XXXX reviews of Synchrony, all with the lowest possible rating and describing this same type of incident. Amazon complaints run rampant as well. This is clearly a company that makes a practice of creating reasons for charging people late fees and attaching interest to " same as cash '' accounts. I would like my issue addressed by them immediately and their practices should be investigated by federal authorities.
Product: Debt collection

I called and told the company which is a third party company and advised them that the two accounts are not mines and if they could send me out information about the accounts I want the company to show proof that the debt is mines and I need those accounts removed immediately without prejudice because of an accurate information and I have asked them that the information on the account is not mines and I let them know that I am calling about those accounts so he didnt know that it was me and they verified it with me and I want them to remove without prejudice for an accurate information and no proof that the accounts are mine
Product: Debt collection

Sent debt validation letter on XX/XX/XXXX XXXX  via certified mail. Company has failed to provide any responses as of XX/XX/ XXXX
Product: Debt collection

My university fowarded this company my " debt '' for classes I was unable to attend and did not pay for. I have an appeal pending to resolve the issue. In the meantime, this collection agency has made frequent calls to my cell phone and is now calling family members who have no connection to this contested " debt ''. It is harassment.
Product: Debt collection

I have a verbal agreement with the manager of the company in front of his lawyer of XXXX a pay period, I tried to make the payment for this pay period on their website as I have done since XX/XX/2019 after the agreement and it won't let me make the payment, the website says the XXXX is less than the agreed upon amount, I have received no notification from them that I can no longer only pay XXXX a paycheck. I feel this is an unfair practice to make me miss a payment so they can sue me. I have tried several times to make the payment and it won't go through.
Product: Debt collection

I checked my credit report ( XXXX ) and saw an account by a company calling themselves DNF Associates LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to DNF, their parent company Diverse Funding Associates LLC, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

DNF Associates, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit DNFNotice91721 and related documents ) The packet ( attached ) was sent to DNF Associates and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed from my file : XXXX XXXXXXXX XXXX XXXX
Product: Credit card

My wife went into XXXX XXXX and purchased some products. She swiped our XXXX XXXX card, and unbeknownst to us, they opened a credit card in my name ( I was not present ). The credit card is XXXX XXXX XXXX XXXX  XXXX. 

I called the credit card company and explained the issue and I offered to pay the original debt for the purchase with a pre-paid XXXX XXXX card and they refused to accept it. There is no way I am giving them my banking information as they requested. 

After XXXX minutes on the phone with XXXX or so different reps, which consisted of threats and false accusations against me and my wife, they hung up on me. 

They defrauded me, they are damaging my credit rating, and they are refusing to accept payment for what we owe.
Product: Credit reporting or other personal consumer reports

My husband ( divorce pending ) opened 2 fraudulent debts, consisting of a balance transfer/credit card and a personal loan opened solely in my name, without my knowledge or consent. My personal identification information was used to apply/transfer these debts without my knowledge. This occurred within days ( XXXX XXXXXX/XX/year> ) of notifying him of my intent to separate. I was not made aware of these fraudulent balances until I ran a credit report ( XX/XX/year> ) The open loan balance was not authorized by me and I did not receive, utilize, or benefit from the loan funds. My husband also authorized a balance transfer from one of his other credit cards to a XXXX card in my name without my authorization. The balance transferred to this card does not belong to me and is not the result of a debt of mine. I did not receive funds, utilize, or benefit from either of these debts, which was done without my knowledge or consent. 

I have routinely contacted XXXXXXXX XXXX to investigate and reverse these open balances. The process has been overly arduous and they are unwilling to provide key information including the mailing address for the fraud claim filing. The loan was applied for online without any identity verification process and XXXX has not been willing to share a copy of the original application. They have been resistant to help generally. XXXX is refusing to investigate further despite the information I have provided and their own lack of proper fraud prevention protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 requested for a proper investigation to be completed for the accounts that were disputed almost every 35 days for over the last 14 months. Either a stall letter was sent, or it was noted that the account was not in dispute status after I disputed it several times. I know the accounts are questionable and the accounts are hindering me from obtaining credit.
Product: Credit reporting or other personal consumer reports

Good afternoon today is XX/XX/year>. I have not receive any kind of identity theft packet from this company XXXX XXXX XXXX XXXX. I sent all required documents to the credit bureaus as it is stated by the law of XXXX XXXX. Further more I tried numerous times to contact this company via mail. Multiple times this company XXXX XXXX returned my letters back to sender without even opening the letters. I sent the proper documents to the credit bureau for XXXX XXXX. This company is continue to harass me while Im dealing with my child with stage XXXX XXXX and I dont understand why they keep on harassing me if I did what am I supposed to do by the law of XXXX XXXX  ? I sent the documents to the credit bureau as stated. I will send proof how this company do not open any of the letters that I sent them instead sent the documents them right back unopened return to sender. The credit bureaus have a copy of my identity theft report. Please pay attention how this company keeps on sending the same response over and over without a resolution, ignoring that the fact that the credit bureaus have a copy of the requirement by state law of XXXX XXXX a police report.
Product: Credit reporting

I have submitted several " account verification letters '' to TransUnion about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX
Product: Debt collection

This is a VA medical bill owed. I contacted XXXX XXXX and gave them all the info to contact VA. I sent Bill 's to VA. Please erase mark off my credit report.
Product: Money transfer, virtual currency, or money service

I am a loyal Chase customer for many years. I was at work yesterday when I got a call from the Chase XXXX  number. I answered and was told I had fraudulent activity on my card. I saw that there were several unusual charges. Then I was told that someone I didn't know was initiating a wire transfer and to counteract it I had to send the same amount back to myself. The instructions were confusing but I thought that it was my bank. Turns out it was a scam and I wired someone {$9100.00}. I called Chase many times and they refused to reverse the transfer even though it had JUST happened. I am furious that there were not better protections in place. Now I am not very hopeful that I will get my money back. Of note, I filed a police report at my local precinct. I was told that that has happened with 6 other Chase customers in the past 48 hours.
Product: Debt collection

Good evening! 
After reviewed my Bank Statements and Called my Bank too. I figured out that the amount you said I owed was already paid by XX/XX/16 Confirmation number is XXXX. 
XXXX. 

For any other additional information, you can reach me out through my email XXXX regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

On My Transunion, XXXX and XXXX Credit Report my name and address is incorrect on my credit report. I need the incorrect names and addresses removed. Also, the XXXX XXXX XXXX amount is incorrect. I have two accounts on my credit that should be removed. I spoke to XXXX XXXX by phone to try to adjust this incorrect amount on my credit. It is still not updated correctly, and I need this incorrect information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I disputed medical debt of {$100.00} by XXXX XXXX XXXX Acct # XXXX. Both disputes did not resolve to have the XXXX XXXX under {$500.00} XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2023, I called Equifax to ask that the dispute be resolved under the law. The Equifax representative stated that the law isn't enforceable because it doesn't have a " start date ''. I asked that she find further clarification on this point. She returned and stated that she could only file another dispute, but not resolve any dispute under XXXX XXXXXXXX because it doesn't have a " start date. '' XXXX  XXXX is in full effect. I want XXXX XXXX Systems Acct. XXXX medical debt of {$100.00} removed. I also want Equifax to follow the law at all times without months of consumer time to correct what this company should have already implemented.
Product: Mortgage

I have repeatedly requested the date that BECU will remove PMI from my mortgage, automatically. They have sent me a letter telling me I need to order an appraisal, or they have given me the run around asking me to contact someone else, even though I have contacted the mortgage department directly. I have requested escalation of the matter and receive cookie cutter responses that don't acknowledge my request. 

How are they supposed to remove PMI automatically, as required by law, if they don't know or are unwilling to provide the date?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN - XXXX - $ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$680.00}, XXXX XXXX BANK SS XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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

I am the victim of fraud. I am receiving a bill from a Chase credit card that I DID NOT OPEN OR USE. Chase has informed me that it was used for purchases in California. I have never in my life been to California, nor to the store listed on the transactions. These unpaid charges are seriously affecting my Credit Scores and I would like these fraudulent charges dropped as soon as possible.
Product: Debt collection

On on XXXX XXXX I have called my self XXXX XXXX XXXX  in XXXX California of a debt I have with XXXX and we have made a deal that i will pay the first amount of XXXX than every month to pay XXXX in which I have done just that phone electronic to my bank as follow : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX ( for the month of XXXX ) I finish to pay as agree according to the deal on paper XXXX XXXX send to me. As I finished to pay. Now I received another bill that I own more money as well every seconds their harassment phone call from my job and my cellular phone.
Product: Credit reporting or other personal consumer reports

Accuracy of my credit report 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. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the XXXX time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity thief fraudulent accounts on XXXX XXXX Equifax credit rsports Open accounts XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX amount XXXX dollars Date opened XX/XX/XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX To old to be on my credit report Equifax is still reporting on my credit report