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

I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and misleading information being reported on my credit file by Experian and Transunion and the credit reporting agencies. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and I am requesting immediate action to rectify this issue.

Details of the Inaccurate Account The account in question is listed as follows : Creditor Name : Military Star Credit Card Account Number : ( as reported by Experian and TransUnion ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Transunion )/ XX/XX/XXXX ( Experian ) Balance Reported : {$12000.00} ( Tranunion )/ {$12000.00} ( Experian ) Credit Limit : {$8600.00} Account Utilization : Shows 143 % ( Transunion and Experian ) Violations and Inaccuracies Balance Exceeds Credit Limit : The reported balance ( {$12000.00} ) exceeds the credit limit ( {$12000.00} ) exceeds the credit limit ( {$8600.00} ), resulting in an impossible utilization rate of 143 %. This is mathematically and legally incorrect, as a balance can not exceed the credit limit on a revolving account.

Misleading Payment Status : The payment history is marked as " Missed Payment '' and " Other, '' yet no payment data is available for the past two years, which is contradictory and misleading.

Failure to Investigate : Despite my attempts to dispute this inaccurate information directly with the credit bureaus, the issue remains unresolved.

Violations Identified Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies to ensure the accuracy and fairness of the information they report. The discrepancies and inaccuracies in this account violate this requirement.

Truth in Lending Act ( TILA ) : Creditors are required to provide accurate and transparent information about credit terms and balances. Reporting a balance that exceeds the credit limit is a violation of this law.

Actions Requested I am requesting the following actions from the CFPB : Demand Removal of the Account : Require the credit bureaus to remove this account from my credit report due to the inaccuracies and violations.

Ensure Compliance : Ensure that the creditor and credit bureaus comply with the FCRA and TILA moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my XXXX set of letters disputing these accounts to which I've received XXXX proof or verification. XXXX, XXXX and Transunion have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.
Product: Credit card or prepaid card

I made a promotional purchase on my XXXX store card thats administered by Synchrony Bank on XX/XX/2022. The promotion is for 12 months no interest. They are charging me the full amount of the purchase, {$920.00}. The statement shows regular purchases and then underneath it shows my promotional purchase with the terms of XXXX mo 0 % interest. However, the bill total is for the full amount. 

I called customer service and was told that I have to make arrangements with the Bank as it pays the full amount for me. I said, I called The Bank and she acknowledged that I was speaking to Synchrony. She said they charge the full amount unless I pay a set amount. I was set up for automatic payments as I dont want to miss one or be late. She advised I can only choose minimum payment or statement balance for auto pay. I said I want auto pay, but I want my promotional price per month. She said it cant be done. 

Every other institution who loans money over a term sends a bill for the monthly payment as agreed upon. I agreed to pay XXXX equal payments for this purchase, but they refuse to break it down into equal monthly charges. Leaving all calculations to me. 

They will not receive any payments for any purchases until this is resolved. How hard is it to add an equal monthly installment to my monthly purchases for a Bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX XXXX lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX and XXXX  and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.
Product: Credit reporting or other personal consumer reports

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

XX/XX/2023 I called Continental finance company I have XXXX XXXX  and XXXX  card I wanted to file with the hardship program due to a loss of income from a job. They denied me through a computer system. My account is not late, it is current I pay on time every month and am treated poorly by these cardholders. They want late charges to occur only to enrich themselves, I request both XXXX and XXXX  card accounts be closed. They both inform me it's a system that makes the decision, what system? XXXX and XXXX [ supervisor ] - XXXX XXXX XXXXXXXX { XXXX } XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX  Balance Owed : {$330.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXXXXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$1700.00}. I noticed that these accounts started reporting erroneous information I need it to stop now!
Product: Credit reporting or other personal consumer reports

I have already sent a method of verification to the credit bureau asking the to verify the debt and they have already said everything was verified. My credit report is still showing inaccuracies. 

Capital One Auto Finance/ {$11000.00} Inquiry that were not made by me nor have i done business/singned with these companies XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX 15 U.S.C 1682s-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

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Money transfer, virtual currency, or money service

Never got or received a card money was being sent to XXXX XXXX people that wasnt my transaction they never issued a card they closed 2 3 accounts is very bad people can take your money so freely without a card just using your account number ordering things need more security features
Product: Credit card

I have a Walmart store card and the bank is Synchrony Bank. Before synchrony the bank was called GE capital XXXX then it became synchrony. I do n't know if GE capital XXXX was owned by synchrony and they just renamed their business or what. GE capital XXXX was ripping off consumers left and right now synchrony is doing the exact same thing. My Walmart card number is XXXX. The name on the Walmart card says XXXX XXXX XXXX. That is me and when I started realizing synchrony was charging me late charges I stopped using the card. I pay my Walmart store card early around the 1st week of every month early and the due date is the XXXX of every month. If I do n't pay my bill a couple days before the XXXX synchrony charges me another late fee. They want a double payment every month or they will charge {$35.00} late fee all the time. For a bank/financial institution they should know that the payment I sent in $ XXXX- {$45.00} IS FOR THE XXXX. I know they are thieves. If you type in a search engine complaints about synchrony bank or complaints on care credit that is XXXX of the cards synchrony has you will see all of the complaints against this bank. If you type in a search engine complaints about GE capital XXXX you will see all of the complaints. I am not paying any late charges. I want to close this account after I pay {$79.00} that is all I owe. Synchrony bank has many cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical  XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with transunion and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and different dates last reported that are not in proper XXXX XXXX format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my  XXXX   XXXX   XXXX  Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on   XXXX    XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  XXXX   XXXX .     It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  x  XXXX   XXXX , OH  XXXX
Product: Credit reporting or other personal consumer reports

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX account # XXXX with a balance of {$XXXX}, XXXX XXXX  account # XXXX with a balance of {$XXXX}, XXXX  account # XXXX with a balance of {$XXXX}, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX with a completed Loan Modification, I have sent the Executed loan modification to them 3 times, its almost 2 months and they are not updating their system.
Product: Checking or savings account

I'm being asked to come to branch with my identification for the second or third time, the first two times yeilded no understanding or any resolution this has been going on for two years now, they're taking funds without giving me access.It has been very hard to get anything clear on the matter.They said something about an investigation but I heard nothing after that, I wanted to close the account with them but haven't been able to a year or so ago, forgot about the account got back in touch with them and they're saying the exact same thing they said two years ago. {$2900.00} is down to {$2000.00} no no clarification just fees and they refuse to close the account so can't take my business elsewhere, litterly being held hostage and being treated like a criminal ( just come to the branch with my identification and nothing ) This is the XXXX XXXX XXXX  in FL. and now XXXX too something isn't truthfully being said broken trust.Please can you look into this matter involving checking & savings Regions Banking Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Credit Karma account that I started last year. Since then, I have gotten notified through logging on with them, that I would be approved for a credit card and twice I have applied, still no card, even though they CLAIM I have EXCELLENT approval odds.
Product: Debt collection

I moved out of XXXXXXXX XXXX in XXXX of 2022. They charged me for my entire security deposit ( roughly {$3000.00} ) and wanted another {$470.00} for damages. 

I already disagreed with what they did. We left that apartment in great condition and they said they had to replace ALL the carpet which was absolutely unnecessary. 

I didnt have the willpower to fight them and just dealt with the loss of my deposit. That {$470.00} is not a debt, its a dispute and they legally have to take me to court for that money if they want it. 

Instead they said it was a debt and sold it to a collection agency. The email I got I thought was fake until XXXXXXXX XXXX sent me an alert about my credit report. 

XXXX sold this fraudulent debt to Columbia Debt Recovery on XX/XX/XXXX. 

I dont know what to do. I was finally recovering from my bankruptcy, and preparing to buy a house now that Im finally out of the XXXX. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eastern Account System is reporting I owe a gas account and that is incorrect.