23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

SYNCHORONY BANK XXXX XXXX XXXX XXXX FL XXXX THIS BANK OWNS OR MANAGES 11 OF MY ACCOUNTS WHICH ARE : LOEWS ACCT ENDING XXXX TJMAX ACCT ENDING XXXX BELK ACCT ENDING XXXX CARE CREDIT ACCT ENDING XXXX JC PENNY ACCT ENDING XXXX ROOMS TO GO ACCT ENDING XXXX DISCOUNT TIRE ACCT ENDING XXXX MOHAWK ACCT ENDING XXXX P.C. RICHARDS ACCT ENDING XXXX XXXX ACCT ENDING XXXX PAYPAL CREDIT ACCT ENDING XXXX ON XXXX SYNCHRONY BANK SENT ME A LETTER STATTING THAT ( ACTIVITY ON MY ACCOUNTS WITH SYNCHRONY BANK INDICATIVE OF HIGH RISK OF FAILURE TO PAY. ). 

I WAS OUTRAGED AT THIS FALSE AND DISCRIMINATIVE STATEMENT. IN MY YEARS OF MAINTANING ALL THESE ACCOUNT NEVER WERE A LATE PAYMENT AND 4 OUT OF THE 11 ACCOUNTS ARE PAID IN FULL. 

I ALWAYS PAID MORE THAN THE MINIMUM PAYMENT ON ALL ACCOUNTS. MY CREDIT LIMITS WAS IN THE THOUSANDS AND I NEVER USED ITS FULL POTENTIAL. 

THESE CLOSURES HAVE CREATED A DEVASTATING EFFECT ON MY CREDIT FILE. THIS IS A OUTRAGE AND WRONG IN TAKING THIS ACTION AGAINST ME. I ASK YOUR DEPARTMENT TO FULLY INVESTIGATE THEIR PRACTICES HERE AND YOU WILL SEE HOW I NEVER SHOULDVE HAD THIS HAPPEN TO ME. 

I CAN PROVIDE ALL DOCUMENTATION REFLECTING PERFECT USE OF ALL MY ACCOUNTS.
Product: Debt collection

I received a called on today XX/XX/2023 from XXXX Medical Revenue Service. I am not sure why they are harassing I dont have any outstanding medical bills. I have health insurance that covers all my bills and I pay my copay when I visits doctors. It should be illegal for someone to call and harass you about a medical debt you no idea about. And then these XXXX have nasty attitudes. Needless to say I have a personal attorney that I will be using to sue these XXXX  for harassing me while working. I dont over look any kind of medical bills because I work in that same industry. I verify my benefits prior to going in.
Product: Debt collection

I get phone calls everyday, they are calling relatives, friends and people I do n't have contact with anymore, they are calling my employer constantly and I am being reprimanded at work for the phone calls.
Product: Credit reporting or other personal consumer reports

I have been affected by a few breaches that have occured, I have free monitoring thru these companies and my bank. 
XXXX has several vehicles inquiries on varing dates last year ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been notified of a few breaches that have occured, been offered free monitoring from them and my bank. All of my reports contain inquiries that I didn't request .... 
XXXX has ( XXXX ) vehicle inquires that occured XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX it appears it is due to come off as of yesterday but I never requested credit with them to begin with. 

Equifax has ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they did not have my name, bday, or social in their system and could not explain how this occurred without a record of me, the financial supervisor advised me to dispute it. 
When contacting credit bureau and companies, I was ultimately referred to Cfpb to report for deletion.
Product: Credit reporting or other personal consumer reports

Ive reached to each companies letting them know each account Im credit reports are fraud with a police report and also ftc and they wont remove it. 
XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report number-XXXX  Each account has been investigated by the XXXX police department and declared as fraud
Product: Checking or savings account

In the mid XX/XX/XXXX I opened a CD Account with Wells Fargo, I deposited {$10000.00}. I never touched it. I received my monthly statements up until XX/XX/XXXX give or take. I didn't pay much mind to it with everything becoming paperless. When I inquired about my money a couple of years later I was informed the account could not be located, my money disappeared. I have inquired in so many bank branches for so many years and its always the same answer ( NO RECORS, AND THEY DONT KEEP ANY PAPERWORK OR INFORMATION AFTER SEVEN YEARS ). I already inquired with the State of California 's Unclaimed Property they have nothing on file as well.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These entries do not reflect my true payment history and misrepresent my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information. 
The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint. 
Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX  XXXX account across the XXXX credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
XXXX : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
TransUnion : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX XXXX XXXX BANK purchased our mortgage loans from XXXX XXXX XXXX. Since XXXX 's purchase has been battle between lender and borrowers. Finally, after a long battle, on XXXX XXXX, XXXX under the Home Affordable Modification Program ( HAMP ) we were qualified to reduce our monthly payment for a fixed rate until Nationalstar Mortgage ( in this year ) got our loan from XXXX. 
Right away our monthly payment made a drastic jump from {$1000.00} plus to {$1200.00}. On numerous occasions I have tried to discuss the situation with the office manager, but he or she is unwilling to cooperate. Finally, I spoke to a loan specialist explaining me it because " California had tax higher collection '' and we need to maintain some amount in XXXX to " pay city '' tax. I was off balance because where they gave such of increasing. They have not sent us a statement or affordable application XXXX. I want to know : If there was an agreement left from XXXX Why they refuse to give us an enclosed ( purchase agreement between XXXX and Nationstar? 
Why they are offensive Why the monthly payment has increased besides escrow. 
In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary.
Product: Checking or savings account

I opened a US Bank small business checking account as a sole proprietor on XXXX under the terms of a bonus that stated 'You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening ' to receive {$300.00}. On XXXX, I deposited {$3000.00} in money new to US Bank from my XXXX bank account. This money, having been deposited within 30 days, was in the account in question ( ending in XXXX ) until XXXX, well after 60 days. Despite meeting the terms of the bonus, I did not receive it. After contacting US Bank, I was told " The customer did not make the required amount of deposits from eligible sources within the 30 day time frame. Per the disclosure : You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening. '' Despite my complaints that this was patently false, US Bank has refused to offer anything more in response. 

They can not be allowed to simply disregard the terms in their promotion in an attempt to gin up new accounts false advertising and deceptive and malicious practices are particularly dangerous when it comes to banking.
Product: Credit reporting or other personal consumer reports

last year i found out that my cousin was using my information without my consent to get credit cards and auto loans. i disputed these accounts with no luck. I was instructed to file a fraud affidavit and police report. i have done that and i have included it in my documents.
Product: Debt collection

I received a request for payment of a debt from SIMM Associates that they indicated my deceased son XXXX XXXX owed them money. I have no knowledge of the debt so I repeatedly requested that they provide documentation to prove XXXX had an account with XXXX XXXX Bank, proof there was a balance, proof that XXXX XXXX owned the debt, and proof SIMM and Associates had the authority to negotiate or collect for XXXX XXXX XXXX or XXXX XXXX. I do not know who any of these people are and simply want them to identify their relationship and verify the validity of the debt. 

After repeated attempts I finally received a letter stating they had enclosed documents from their cliend Resurgent ... ... the letter was EMPTY, no documentation ... ... 

It took 3 days and hours on the phone to simply get through to the number provided then when I finally did the rep for SIMM asked me over 10 times to keep spelling my deceased sons name and finally said they have no record. This is an incredibly hard time emotionally for my family, we do not need to be strung along like this. I finally got an email to send the letter I received to which I immediately did ... .. and of course have had no response in two days ... ..
Product: Credit reporting or other personal consumer reports

Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through XXXX and I sent them proof that I sent the check. I sent them a copy of the check and the USPS dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow XXXX XXXX claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made XXXX online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau companies that I'm up to date with payments and I was never late.
Product: Debt collection

Gravamen Asset Management has reported a debt on behalf of XXXX for the amount of {$400.00}. This was reported on XX/XX/2019. Since then, they have increased the amount to {$790.00}. I've attached to this form documentation that proves that I've pay in full this amount to the previews agency. 
This issues has affected my by losing the opportunity of acquiring a house. This could also affect me on my ongoing investigation for my XXXX XXXX XXXX
Product: Debt collection

I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in 2010,  the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.
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 : # allied collection services account numbeXXXX XXXX Account name : allied collection services collection bureau of a 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My insurance deductible was only supposed to be {$75.00}. And my balance for the hospital is higher than what it should be. Was opened XX/XX/2015. I now owe {$94.00}. I have tried disputing with the company and got no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting XXXX XXXX XXXX XXXX causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Product: Debt collection

I went to my bank vystar to withdraw money on XX/XX/2024. The bank notified me a judgement is placed on my account and my children account. The bank gave me the name advantage assets llc.and telephone number XXXX. I called advantage assets to get more information. The lawyers office informed me they are a debt collector for XXXX XXXX XXXX. The collector I spoke to asked me for my address. He said the office would mail me a copy of the judgement. I told the collector that is not my account. I need my money and my children money from my bank to pay bills. He would not provide me with account numbers. He only told me the office is collecting and I owe {$12000.00} on XXXX accounts. Both accounts in the total amount of {$24000.00}. I do not owe this company. Please help me?
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX  to my XXXX my XXXX my XXXX XXXX XXXX  and to my XXXX 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

The lender name is climb the total amount XXXX they would not let me cancel the loan I never used it or started the course Ive been trying to cancel this loan since XX/XX/year> An I never started the class an its effecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges appeared on my XXXX XXXX account Charges XX/XX/XXXX & and charges XX/XX/2018 & XX/XX/2018 do not belong to me. I filed a dispute on XX/XX/2018 and as of today this has not been removed from my account. 

In addition, my credit history has now been reporting derogatory as a result of the error on XXXX billing. I has spoken to XXXX on numerous occasions and they will not remove this error. I have suggested that they back tract the delivery address these items were sent. They can see that my address on this account was not the ultimate destination. 

XXXX has also engaged in fraudulent banking practices since I'm being charged for items including interest added to this account unauthorized.
Product: Debt collection

Requested XXXX to validate account on credit file. Requested information to validate account on credit file. Company failed to comply FCRA guidelines. Made several attempts to validate signature and contest to contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a business credit card from   XXXX   and they used to report it to my personal profile, however, after I disputed it  XXXX  and   XXXX    removed it based on it being a business account however, Equifax still did n't delete it.
Product: Debt collection

This account has been cleared up and keeps reappearing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm having an Issue with PayPal Reporting Policy. I opened an account with Paypal on XX/XX/23. I made a purchase for {$69.00}. On XX/XX/23 I was notified by XXXX that a new account has been added to my report and I have a Balance of {$69.00}. Few Issues with this. 1.The billing period has not ended ; I haven't received a statement, and when I called Paypal I was told that my statement period will end on XX/XX/23 and my balance will be due at the end of XXXX. So why has paypal notified the credit bureaus of my balance before notifying me? 2. I called and spoke with a supervisor to try to get paypal to correct their statement however, the Supervisor I spoke with tried to justify what paypal has done. 

paypal needs to correct that statement they have made to the credit bureaus ; XXXX should have never reported a balance without notifying the consumer of their balance first!
Product: Credit reporting or other personal consumer reports

Negative information is damaging my credit score. I request a full investigation of the facts. It is illegal companies decrease their tax burden while increasing mine. Would you want someone to do that to you? Inaccurate info. Account written off/accepted by 3rd party. Per FCRA and 15 USC 1681-1681x, law states listing inaccurate and information is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXl # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX Auto # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy. 

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX Inquired on XX/XX/year> XXXX XXXXXXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/scrub>XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year>XXXX XXXX