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

XXXX of XXXX I joined XXXX XXXX XXXX as despite always paying on time, my credit debt was too high and I just wasn't able to pay down my credit. I was assured that joining this program wouldn't hurt my credit. XX/XX/XXXX XXXX of XXXX took my first payment and paid every single month. Apparently at the time I signed up for the program, Synchrony bank was having issues with their system that accepts the proposals and it took over a month to resolve. At this time, I was told not to worry, Synchrony was resolving it. All of the other Synchrony besides XXXX resolved the issue. 

I noticed my past due continued to go up with Paypal, I contacted XXXX of XXXX who reached out to Synchrony PayPal. Paypal was delayed in response. They finally got an answer and found that Paypal had accepted the agreement of {$84.00} but in their system had the amount that was accepted for the Synchrony XXXX of {$100.00}. In XXXX of XXXX, I was told Synchrony wanted a larger payment per month going forward but they would reverse the negative reporting and late fees as they had accepted the original proposal. In XXXX, my credit report was corrected but I still was showing a past due amount. I contacted XXXX of XXXX about the past due balance. I was told this was Synchrony banks issue and that it wasn't due, therefore I didn't need to pay it. 

In XXXX, the late payments went back on my credit report. I contacted XXXX of XXXX and was told yet again that Synchrony bank would fix it. XX/XX/XXXX Synchrony put my account in Charge off status because the incorrect past due amount was never corrected for the incorrect payment that had in their system. Historically, my credit score had been in the high XXXX, low XXXX due to high debt but I had always paid everything on time. Because of the incorrect serious delinquency and charge off status my credit score went to the mid to high XXXX. 

I contacted all 3 credit bureaus to get this corrected. It took less than a month for XXXX to fix. XXXX XXXX disputes and over 2 months and there is still an incorrect past due payment that shouldn't be there, and XXXX still hasn't fixed the charged off account status. During the time of incorrect reporting, I have gotten notices of getting denied for credit, having my credit revoked or decreased due to the incorrect lower score while I was trying to resolve this. I have since gotten off of the credit program and paid off almost all of my credit card debit. My score is now in low to mid XXXX but I am still getting letters of my revoking, denying, and reducing my credit due to the Synchrony Paypal issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX   disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 of which should have been deferred per my conversation with the XXXX XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the Fed Student Loan intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been experiencing a substantial amount of medical issues which caused me to be off work for extended periods of time without pay. I have informed the agency of my medical issues and my inability to pay and exhausted all resources to maintain a good standing with the companies. I have sold my car, borrowed from family and friends and opened additional loan account to pay them even though in the state of Oklahoma the law clearly states you are only allowed 2 but they granted additional loans and where aware of the other loans and payments. When I went to the doctor I was advised that my symptoms are related to my diagnosis of being XXXX XXXX and so since my healthcare plan administrator is human resource I did not want my health information to get out so I stopped using the insurance and the medication cost is {$2000.00} for 30 days supply which honestly I just don't have and even after checking if ran through insurance would be {$520.00} I just have been overwhelmed and sick. I have repeated explained the situation with the companies not going into deep detail and I am receiving at least 10 calls per day on every phone listed, the calls are then followed up with threatening text messages, all references listed are called and provided confidential information about me which my family friends are not aware what is going on in detail because I stay isolated due to XXXX XXXX XXXX XXXX  and I am unable to be around people. I am receiving voicemails about wage garnishment, my avoiding their calls and being a terrible person, my losing my job if the wage garnishment is filed. Just a number of illegal tactics to put stress or force me the pay funds I just don't have and honestly at this time I have big things to deal with. I have received a number of calls from various coworkers and friends at work not listed stating that they called the main line and asked for me and went into detail why they were calling which is outrages.
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 : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX Account Number : 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 XXXX 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: Debt collection

my x wife has opened multiple fraudulent accounts in my name. she has opened an account at ginny 's mail order and as such a collection account has been placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection been on my credit report for over XXXX years now and we came to a settlement. I paid the settlement and it still havent been removed from my credit report. I called multiple times they said it was nothing they could do about it. Dates and late payments are wrong!
Product: Credit card or prepaid card

Hello, I have not received credit for the {$500.00} referral promotion bonus that was advertised. I referred XXXX XXXX, SSN ending in XXXX, who opened a Capital One card a couple months ago. When will I receive the referral credit to my account ending in XXXX? 

I was able to get an answer from the Capital One website. 

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

REFERENCE TO CASE NUMBER XXXX Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How then did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to have a look at the mail COMMON WEALTH FINANCIAL sent to my home address with a different recipient on it. The attachment is another prove that the account from COMMON WEALTH FINANCIAL is a fraud. I resubmitted this compliant because the attached mail was received XXXX days ago XXXX/XXXX/2016 Thanks XXXX XXXX
Product: Debt collection

XXXX XXXX violated my rights as a federally protected consumer. Pursuant to 15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Upon reaching out to them, I requested VALIDATION of the ALLEGED debt. In return I received VERIFICATION the ALLEGED debt. Pursuant to 15 U.S. Code 1692c ( b ) I demand that XXXX XXXX cease any and all communication with myself and ABILITY RECOVERY SERVICES and the 3 major credit reporting agencies. I also demand that the account is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Product: Debt collection

A letter sent to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Amount Owed : {$630.00}, Dated XX/XX/2020, Creditor : XXXX, Client Account # XXXX, Letter Sent by : Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX, Phone : XXXX www.payconvergent.com. I called Convergent on XX/XX/2020 at XXXX XXXX. ( MST ) to speak with them regarding this bill. 

I called Convergent and spoke with XXXX XXXX, debt collector and XXXX XXXX, XXXX. XXXX said they are calling from XXXX ( didn't get the street name ), XXXX, MI, XXXX XXXX XXXX XXXX. I told her I don't have a XXXX Account and didn't know why I received a bill from Convergent. They wanted my full name so I told them.They also wanted the last 4 digits of my Social Security # and I got scared and upset so I hung up the phone. She also asked me if I wanted to do any future business with XXXX. I was then totally confused because I'm not sure why she would ask me this question? I repeatedly told her I never had a XXXX account! SCAMMER! They are trying to get money for a service I never used.
Product: Credit reporting or other personal consumer reports

this for transunion i am a victim of identy theft and all accts and negeitve remarks need to be blocked and then deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from Equifax. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The Equifax report is not accurate as its missing names. 

disputed accounts 1. ( missing account name ) Original creditor : {$74.00} Account number XXXX 2. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX
Product: Credit reporting

There is a claim of a balance owed to XXXX. That is disputed. The account was paid in full in 2012. Requests for an account statement under the Fair Credit Reporting Act have been ignored. There has been no evidence of the existence of the debt, the alleged balance of the account, supporting data related to the alleged account balance or documentation regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and have identified fraudulent activity on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following accounts and inquiries be blocked and deleted from my credit report : Accounts to be blocked and deleted 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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: Debt collection

Once I moved out of XX/XX/XXXX, they tried to say i owed an amount higher than original, debt was settled and i have court documents that say i owe XX/XX/XXXX and National Credit systems is now attempting to collect a debt which i have documentation by the court showing the debt isXX/XX/XXXX balance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX accont XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting inaccurate info on my credit profile. I ask them to verify info, investigate, and also correct my credit profile. In an earlier complaint, they sent back a response saying that it wasnt right and its not been updated correctly. Under the Fair credit reporting act, they must at all time maintain accurate information. They violated credit reporting laws and is still violating them. They havent provided any proof of ownership.
Product: Credit card

Credit card along with other items were stolen out of my vehicle on Friday XX/XX/year>. I filed a police report and monitored my card apps over the weekend. I kept logging in to see if they were being used. Once I saw one of my other cards were being used, I logged into my Ignite app and saw that it had just been used too. I called first thing Monday morning to report fraud on my credit cards. Ignite will not refund the money, saying that I logged into my credit card app multiple times and that my pin was used correctly on the first try. My pin was the same as my other cards that were used, which is my birthday. My license with my birthday was stolen as well. My entire wallet and other valuables were stolen.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Credit reporting

Transunion is reporting incorrect information on my credit report. I have XXXX accounts with XXXX. ( XXXX ). I have sent in proof from XXXX that these accounts were never paid late and they should be listed as accounts that are satisfactory. I also have XXXX collection accounts on there that do not belong as I was on Medicare at the time and Medicare told me they paid these XXXX bills. Now they are in collection. With this incorrect information on my report is affecting me in obtaining credit and affecting my credit score. I have contacted transunion to dispute this several times and am being told that they can not re-dispute this information. So am I just suppose to have this wrong information keep reporting on my report and have it affect my credit score? This is completely wrong.
Product: Credit reporting or other personal consumer reports

Experian has tried today to close over 10 complaints by marking the as duplicate EACH COMPLAINT HAS ITS OWN MERIT AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Mortgage

After a period of Covid forebearance I entered into a trial mod plan with XXXX in XX/XX/XXXX. I made first trial payment in XX/XX/XXXX. The mortgage servicing was transferred to Selene in XX/XX/XXXX. They refused to abide by trial mod I had reached with XXXX. They refuse to tell me why and have repeatedly refused my requests for documents such as an accounting of the loan. I get a different story every time I talk with someone and promises never kept. Now they want me to enter into trial mod with double rate
Product: Credit card or prepaid card

Citi cards continues, each month, to charge more and more interest and late fees for a fraudulent original amount of {$270.00}. 
I have made numerous attempts to resolve this, yet they demand payment of this fraudulent charge of {$270.00} us all the fees that grow each month. I will not pay, and I shouldn't be put in this position. I immediately alerted them that a scam artist charged me {$270.00} as I thought I was paying for my XXXX  license. Instead, I was told the fee was to pay for an EIN number, which of course I already knew i could obtain for free via the irs website. Please help me, as Citi cards will not listen. I even disputed the charge, explained what happened, yet they take the side of the scam artist.
Product: Debt collection

Debt Collector is engaged in deceptive practices Debt Collector can't guarantee accuracy of debt ; Proof of purchase ; Proof of contract ; Privacy Notice was violated and Chain of Custody was not disclosed.