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

XXXX XXXX CREDIT Card company sent my debt to collection agency XXXX XXXX XXXX representing Synchrony Bank. On XX/XX/XXXX I made a payment for XXXX with the agreement that they report the balance as settled in full and balance reported as paid or XXXX   to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information repoting on my Chex systems report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby filing a written complaint against Transunion. I have sent seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Transunion is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XXXX of XXXX. This is incorrectly recorded. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney.
Product: Mortgage

Penny Mac loan # XXXX. 

I have PMI insurance that pennymac refuses to remove. I requested a review and they stated my loan to value was not sufficient. I appealed and they asked that I have a BPO inspection done. I paid {$150.00} to have that done. The agent that completed the inspection undervalued valued my house. He reported $ XXXX but comparable homes sold for over $ XXXX in recent months. The local tax assessment has it at $ XXXX. I also proved that I spent over $ XXXX in remodeling the home. 

Either the bank is intentionally refusing to look at the real numbers or they just want my money. This has been going on for over 1 year. Fortunately this hasnt put me in financial hardship just yet but if they cant fix it, I will. 

I was laid off and have been living off savings. Pennymac is either making quick decisions or discriminating against a XXXX homeowner. I dont know what it is. With all the home values jumping 20 % they are saying my house didnt budge. My house is located in one of the best school districts in the whole state of Illinois. 

Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is who my loan was provided by. They are using an affiliate XXXX. XXXX erroneously reported to the credit bureaus. This is the second time that this company has done this. They informed me that it was a system error the first time. I contacted them in XXXX as on my account page it was stating that I was late and I wasn't. They stated that it would be corrected. It was not. I expressed my concern because of what happened the first time and they assured me that it would not negatively report and they would fix the problem. I received notification today that my score dropped XXXX points. I called the company and was given the same info that it would be fixed but i need to call back on Monday. The last time it was only fixed because I had to file a dispute with the credit bureaus and my score never went back to what it was even after the dispute was finalized. This company has caused me unnecessary stress and XXXX. Times are very difficult and I am working diligently to maintain my bills and my credit worthiness. Their actions not only effect my score but my relationship with other companies. They need to be held accountable as they act as if they do not care that they are causing these unwarranted disruptions to my life.
Product: Debt collection

I received a summons from Accredited Collection Services ( XXXX, XXXX ) trying to collect a medical debt from Nebraska XXXX on Saturday, XXXX. The total was {$780.00}. I am not disputing this debt. On the following Tuesday morning, XXXX I called Accredited Collection Service at ( XXXX ) XXXX. I spoke to a guy and told him I had received the summons and that I would like to take care of it. He told me that there were a couple of accounts due also, XXXX, I asked if I paid these in total and if it would take care of my summons. I was assured yes. I gave him my CC # and made two separate payments. XXXX for {$740.00} and the other for {$310.00}. The total of the payments was {$1000.00}. I asked for a third time. '' this will take care of the summons, correct? '' Again, I was assured that it would. I received, dated XXXX, a XXXX and XXXX of XXXX in aid of Execution. So now they are going to garnish my wages from my part-time job to recover the amount. The amount that I was told by the ACS employee would be taken care of with my CC payment. After speaking with XXXX about the law firm filing the papers. She told me she would contact ACS for an explanation, Three days later she returned my call stating that ACS told me, when they took my CC payment, that I still had outstanding debt and that the payment that I made would not relieve the debt in the summons. That statement is 100 % FALSE, The man told me XXXXhree separate times " Yes, this will take care of the summons ''. I was purposely DECEIVED! I have since paid the debt to the law firm. I just feel that Accredited Collection Services is lying to me, purposely deceiving me and probably every other person out there. If ACS was required to provide a recording of the conversation we had,. I know that they would not be able to because they lied and they know it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX TD Bank on XX/XX/XXXX. I was paying on time every month. I entered into a debt consolidation program with XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. During this period of time XXXX stated they had contacted all the creditors I included in the debt consolidation program and everyone had agreed to terms. XXXX began making monthly payments to XXXX XXXX XXXX. I have statements from XXXX showing the payments being made. On XX/XX/XXXX XXXX  reported to my credit that there was a 30 day late payment. I reached out to XXXX at XXXX to figure out how I was late when XXXX  made the payments. XXXX stated the payment was insufficient but this payment was already pre agreed upon by both companies. At this time XXXX  told me it was my problem that I was not checking my monthly statement, but XXXX  never tried to contact me about this via email or phone call to inform me the payment was not enough. I told XXXX that my online access didnt work, and they stated once you switched to a debt consolidation program it takes your access away! So how would be able to check my Statements? They had no response. At this time XXXX told me the correct payment had to be made 3 months in a row to get the account back in good standing, but credit would show I was 90 days late on payment until then. I reached out to XXXX about this and they stated they made the correct payments agreed upon between the two companies so theyre not sure why they reported it late. XXXX never gave them a reason why the payments were not sufficient to XXXX so now I am stuck with a 90 day delinquency on my credit severely effecting my credit when essentially I was never late. XXXX  never gave me access to check my online account and verify statements and never attempted to reach out to me to tell my my payments were not sufficient. I had no other issues during my debt consolidation program with other companies and them receiving payment. All payment pricing and arrangements are made between XXXX and all other companies that work together in the debt consolidation programs. I dont know any of that information about monthly payments. XXXX tells me what both companies have agreed upon when it comes to the client and then XXXX drafts the money out of my account automatically every month to pay the creditors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX XXXX XXXX requesting a copy of the agreement that I allegedly signed giving them permission to report my information to the credit reporting agencies Experian, XXXX, XXXX and XXXX with my signature wet or electronic. I was sent two letters back reflecting both of the accounts that I had with them. XXXX XXXX XXXX  responded back with two letters stating that they do NOT keep copies of contracts/ application more than 25 months and electronically which would prove that I did/did not give permission to furnish my information to the credit reporting agencies or agree that I have the right to OPT in or OPT out. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and advised XXXX XXXX XXXX since they were not able to show proof that the alleged original contract between myself and there company exists and that I was not given the legal right to OPT out of having my information furnished to all credit reporting agencies. I am legal given they opportunity to opt in or out of have my information furnished according FCRA. I have demanded on several occasions to delete the two accounts from All credit reporting agencies. They refuse. I have also called XXXX, Experian, XXXX, and XXXX to remove the accounts and was met with lies and was hung up on even though I was nice and polite.
Product: Debt collection

This debt is not valid nomore. Please delete immediately. 
This is error
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Can you review the documents? Some of the accounts listed are inaccurate in terms of reporting, with inaccurate amounts and dates.
Product: Payday loan, title loan, or personal loan

One Main financial has called my wife and I a total of 10 times today. I was at work and unable to answer. My wife was sleeping for her overnight shift tonight. This has caused a significant issue for my wife and I since she was unable to get enough sleep tonight so that she can work. This is textbook harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT.
Product: Checking or savings account

On the day XX/XX/24 unauthorized charge of XXXX $ was made. The card was with me on that day and I was at work all day. I used the card for the last time on XX/XX/24 at the XXXX XXXX for the amount of XXXX $ and nex day I saw all my money was gone. 

I opened a dispute on money network and after 3 days they said the denied my dispute. 

I have a proof that I was at work all day that day and the card was with me.
Product: Credit card

Someone took cash at a chase ATM from my Bank of America credit card. I suspect that my card was hacked and that the person who took the money was able to get my PIN code. I already talked to the bank that I was not allowing this withdrawal because we never withdrawal cash advance from a credit card and nobody else knows the PIN code. Therefore, someone had to hack my credit card probably with those hidden credit card readers that are everywhere now a day. I had to complain three times already about this to my bank but they say that the withdrawal was legal because they had the PIN code. However, I do not agree with this assessment because I am 100 % sure that my PIN code was hacked from my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to Transunion in regards to unauthorized inquiries on my credit report. I sent the multiple letters and have waited over 50 days and have heard nothing back. Legally these unverified accounts need to be removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy and remove It from my credit report. 
Creditor has sued me in court and Judge has dismissed the case. 
Please review the case number bellow Case # XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am on XXXX. I have overdrawn my account several times. Today I was told my account was being closed because of overdrawn. In fact I was lo ked out of my online banking this morning and had to call customer service with First Citizens bank. When I was able to log in, I noticed an unfamiliar deposit. I figured it was a mistake. Tried to log in later this afternoon XX/XX/2023, only to get a notice to call the investor of fraud for my bank. I have never seen or k ew anything about a deposit. So in reality, the woman was closing my account not because of overdraft but because of a check deposited into my account. She never even gave details on the account or the check. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I began to work on my XXXX Taxes as I went through my tax reporting documents, I noticed XXXX XXXX did not report all my taxes correctly for XXXX. Here in Texas, we have 2 different property taxes : one for our XXXX  # XXXX ( {$2800.00} ), which refers to our water agency, and I have XXXX XXXX property tax ( {$3600.00} ) for a total of {$6400.00}. I called XXXX @ XXXX on XX/XX/XXXX XXXX XXXX  CST under case # XXXX. This is the first time they paid my taxes so late in the year. I request an updated XXXX to reflect the correct amount to submit my Taxes for XXXX. I would like this to be expedited. 

1 ) XXXX  {$2800.00} was paid on XX/XX/XXXX XXXX XXXX XXXX {$3600.00} was paid LATE on XX/XX/XXXX
Product: Checking or savings account

In the month of XXXX I tried to re-title my Navy Federal Credit Union accounts into the name of my trust. Upon speaking with a representative, I was told that i needed to submit a Application for a Trust Deposit Account and provide documents to prove I have created a trust. I uploaded the documents to the XXXX portal in my online banking account and waited a few business days for Navy Federal Credit Union to respond. I didn't receive a response until I called in to inquire about the status of my application. The response that followed that I had to submit all my trust paperwork along with a new application because the verbiage I added with my signature. I signed my name along with All Rights Reserved Without Prejudice above my name to reserve my rights. I even uploaded the Code of Virginia subsection 8.1A-308 which states " Performance or acceptance under reservation of rights. ( a ) A party that with explicit reservation of rights performs or promise performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. '' I also states to the Navy Federal Credit Union representative that i have provided that information through eMessage so they know it is my god given right to reserve my rights. The representative continued to state that they could not accept my application and that I would have to submit a new one and provide all of my trust documentation. I uploaded all of my trust documents through the eMessage portal and waited for a response. When I received the response back the representative mentioned that after further review they could not honor my request to re-title my accounts into my trust.
Product: Checking or savings account

XX/XX/year> - XXXXemporary hold of {$120.00}. Hold has been removed from merchant. Bank tells me 30 business dates before it will drop off, then tells me its an error between them and the processor and only time is the fix for issue. Called again and was told I agreed to the 30 day hold via terms of service. No where in the terms is it written about 30 day hold on authorizations. No one will let me talk to a supervisor or help me with removing the authorization. Told a supervisor will call but never received the call.
Product: Debt collection

XX/XX/XXXX Past due Invoice XXXX for {$71.00} received from XXXX XXXX XXXX XXXX for XXXX test requested by XXXX XXXX XXXX. I contacted XXXX in a series of phone calls and they said I had two other invoices outstanding for {$290.00} & {$30.00} ; I informed them that I have never been to XXXX XXXX XXXX. XXXX was sending invoices to an address that I have not lived at since XX/XX/XXXX : XXXX XXXX XXXX, XXXX GA XXXX ; I paid XXXX {$160.00} as a settlement in XX/XX/XXXX to take my account to {$0.00} even though we could not confirm services ; Then, in XXXX I checked my credit report. XXXX XXXX XXXX was reporting on XXXX, XXXX, and XXXX Collections of {$290.00} Seriously past due for XXXX XXXX. I contacted XXXX and CCS and asked for it to be removed or reported correctly. CCS also recorded the phone calls and I asked XXXX to provide me copies of the recorded calls. On XX/XX/XXXX the CCS Collections information changed on XXXX and XXXX but still showed past due. Then, on XX/XX/XXXX, the information changed on XXXX. All 3 reported that I incorrectly owed past due amount of {$140.00} ; Since XX/XX/XXXX, I've made multiple attempts to have the collections to be immediately removed. Also, on XX/XX/XXXX, XXXX XXXX with CCS told us on XX/XX/XXXX that CCS asked all 3 Credit bureaus in EOSCAR to remove this collection from my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent disputes regarding my employment/ hard inquiries and collections and its been past 30days. I have received no response. Or deletions bc they can not prove inquiries connected to any accts and they have done no legit investigation on the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax regarding inquiries that I did not authorize nor have any knowledge of. I contacted the creditors shown on my report and they advise me to contact the bureaus to get it removed. I attempted this multiple times with the most recent attempt being on XXXX. My confirmation number was XXXX. The inquires I disputed were as followed : XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXXk on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these inquires are made unauthorized. I have attempted to contact the creditors and get told to contact the bureau directly to have it removed. These inquires are holding me back from moving forward with my credit. I have filed as a victim of identity theft with the federal trade commission. I am attaching a copy of my credit report showing these inquires as well as my identity theft report.