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

Try to obtain my credit report and Equifax says that the information that I'm putting in does not match their system which does that make any sense but anyhow I want to update my profile in the system I have a new number so I am attaching my XXXX bill and verification of my address and the new number that I have my new number is XXXX XXXX
Product: Credit card

Opened an account on or around XX/XX/XXXX with Synchrony Care Credit XXXX Credit Card Consumer Center ( XXXX ) due to an emergency with two of my dogs. I did not have funds and was in a situation where they would both die if they did not receive care. 

The XXXX XXXX advised me that this company could help me get funds. I was not aware or did not understand that there was a promotional period and how that would impact my balance later. They originally gave me a $ XXXX balance to assist with ER fees, then reduced it by XXXX approximately 6 months later, and when I inquired, they said a review was done on the account, and they decided to reduce it. This impacted my credit rating greatly as it increased my utilization ( I was making payments on time ). 

Then, today, XX/XX/XXXX, I showed another adverse impact on my credit, and it was due to yet another change on the Synchrony account. I went in and looked at the account, as I have it set on automated payments, and it showed me negative - {$970.00} for my balance due to an interest rate charged of {$1500.00}. I called again and spoke with XXXX, and she could not provide me with any details on my account. It was like talking with the XXXX, where they are protecting information on my own account I was verified to speak on. 

This appears to be an attempt to rob the public of funds and to negatively impact their credit. I was not under the impression I would be charged a bulk interest rate on my account, which would drive it into the negative. This was not made clear, and I need my account placed back into good standing, as my credit was impacted in a grave manner. 

In addition, it appears they are charging late fees when I have it on autopay as well. I have not idea what is happening on this account and feel helpless. 

I am reporting what I believe to be unlawful acts to several other entities. I appreciate your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are atleast 3 fraudulent accounts in my name still being reported by Transunion & XXXX I have provided identity theft documents several different times to XXXX & Transunion to inform them of the fraud to no avail.
Product: Credit reporting or other personal consumer reports

To whom it may concern, of jurisdiction to adequately modify and or remove claims so to retain and or return to mandated compliant and perfect reporting, Per the FCRA all claims SHALL BE OF A MAXIMUM POSSIBLE ACCURACY and of a MAXIMUM POSSIBLE COMPLETION, and for any specific account type the regulation states exactly that furnishers are governed by the FURNISHER RULE ( Regulation V promulgated by the CFPB under the FCRA ), which requires furnishers to : ( 1 ) furnish information that is accurate and complete, and ( 2 ) investigate consumer disputes about the accuracy of information they provide. The following currently reported claims of inquiry are appearing to be deviant from the mandatorily perfect regulatory and standard of adequate lawful reporting of consumer reporting, so REMOVE IMMEDIATELY any and each mention and all others also deficient in ANY REGARD. The contested Inquiries I have noted are as follows :
Product: Checking or savings account

Using XXXX and can't connect my pnc account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights, The reporting dates are wrong, last date of payment last date of active are all wrong. I have sent messages after messages and they have never done anything about it i have shown you the inaccuracies and these accounts are still on there please remove these accounts from my credit report as soon as possible.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I was at work when my bank notified me that a {$9200.00} hold had legally been placed on my joint account with my wife. I went to the branch and they said a law firm had gotten a judgement against me and placed the hold, at which time the branch found out the firms name and number for me. I called XXXX XXXX XXXX and they said they had a judgement again me from XX/XX/XXXX for a company called XXXX XXXX, who originally bought the debt from XXXX XXXX XXXX. They say I owe for a credit card through XXXX from XX/XX/XXXX or XX/XX/XXXX, got a different answer when I called back a few hours later, for an amount of {$4800.00}. The account number they gave me doesn't even match the information I have from that time because I have credit reports from when I bought a house through XXXX   in XX/XX/XXXX. Unfortunately I went into foreclosure in XX/XX/XXXXdue to the financial collapse and have lost all credit since then. I have no idea what this account is that they're talking about nor do I remember EVER having a credit card with that high of a limit. Even when I had a XXXX score my largest card was only around a {$2000.00} limit. These accounts have been closed for years, I have never received any mail, certified or not, or any notice of some sort of judgement. As of today my account is - {$9200.00} with a legal hold on it, I can't buy food for my family, pay bills or even get gas to go to work. My wife and I are financially lock out and can't pay any family bills or anything, we only made a combined income of {$30000.00} last year with XXXX kids to feed, how is this legal. 
I am sending a copy of the credit report from XX/XX/XXXX that has a XXXX credit card on it with a balance of only {$1400.00} and ends in XXXX. They said the account I owed for ends in XXXX, but is not on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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: Debt collection

XXXX and XXXX reporting a debt in the amount of {$99.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had Medicaid through the state of Virginia and also XXXX insurance 2019 to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB IXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$770.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) Balance : {$660.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$610.00}
Product: Debt collection

I paid this balance in XX/XX/2016 for the amount of XXXX to Credit Management.
Product: Checking or savings account

It is not possible for me to file a complaint against XXXX XXXX XXXX XXXX, so it is against M & T Bank. I was supposed to have ALL overdraft fees associated with a debit purchase that was unauthorized refunded. They were not. The fee of {$37.00} charged on XX/XX/2022 which was a direct result of a charge that was disputed and refunded was NOT refunded. Had I been accurately refunded in the first place, they would have lost out on SEVERAL of their {$37.00} fees as many were {$20.00} or less. 

Additionally, they are in breach of their own contract. If money is placed into an account the same day an overdraft fee is incurred, there is not supposed to be an overdraft fee. On XX/XX/2022 I was charged {$37.00} for an overdraft from XX/XX/2022. However, I deposited {$340.00} on XX/XX/2022. The overdraft wouldn't have been charged if they followed their OWN policy. The only reason the account went negative was the 4 {$37.00} fees from XX/XX/2022. 

I called the banking center and was refused to have even this one fee refunded.

They have taken 19 {$37.00} fees in less than a month.

If they refuse to follow their own contract, I will take them to small claims court. I would like the FDIC to note that the fees M & T Bank charges are less than XXXX XXXX XXXX, significantly, and they have taken AWAY positive things in my XXXX XXXX contract ( like checks up to {$500.00} being available right away ). How is it legal to take away only the positive things I was offered by my bank and keep the negative ones -- yet I am unable to sue XXXX 's XXXX -- -how is this legal to treat two consumers forced to use the same company so differently? There should be more oversight!! 

Additionally, while it is subjective -- FDIC states these fees are not allowed to be " excessive ''. Guess what? THEY ARE EXCESSIVE!!!
Product: Mortgage

Bayview Loan Company has not removed late fees, when I have not been late on my mortgage. They have charged me late fees for XXXX, when I have given statements to them from my bank showing I was never late in making a payment. I have continued to have problems with this company, with corporate fees and other charges that they have never shown I owe, nor will they remove the fees. Tell this company this is their last chance to correct the error or I will be forced to file litigation. Time is now of the essence and this needs to be resolved in 30 days.
Product: Debt collection

On XX/XX/2021 Shabana motors received a certified promissory note, also documents conditionally accepting responsibility for whatever alleged debt they have been reporting to my credit report, predicated of course upon proof of claim from Shabana Motors validating debt pursuant to fdcpa, fcra. Shabana in those debt verification where notified to cease any debt collection activity until they verify debt. They have refused to remove fraudulent inquiry from credit report although they failed, refused, or was unable to validate any debt. These torts by Shabana Motors are adversely affecting my credit and character and is infraction of fdcpa and fcra please advise.
Product: Debt collection

Caller wanted to collect a " {$34.00} debt. '' I'm assuming the " debt '' was an unauthorized charge by XXXX XXXX. It increased the monthly storage rent 44 % without giving customers ( me and XXXX others ) a XXXX notice to changes in the rental agreement. XXXX XXXX violated its own rental agreement. The unauthorized automatic credit charge is under dispute with the credit card company. It credited my account the {$34.00} overcharge, because XXXX XXXX did not give notice of the increase in rental rate. I terminated my contract with XXXX XXXX because of the unauthorized {$34.00} charge. My termination prohibited XXXX XXXX from charging my card a second time for the unauthorized increase in the rental payment from {$78.00} to {$110.00}. 

Caller ( XXXX ) said " my name '' is " XXXX '' with " Alliance Collections. '' XXXX called to collect a {$34.00} debt. I shared that I do not have a debt and that I shall not pay an unauthorized charge. Caller confirmed my number and shared that the caller would call back after an investigation into my dispute of the unauthorized credit card charge. 

I called Alliance Collection Agency using the number on XXXXXXXX XXXX website. Alliance said company has no record of calling my number to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX 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

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : 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

there is no sufficient information to support XXXX, XXXX and Transunion 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX XXXX
Product: Debt collection

I sent a request to investigate inaccurate accounts on my credit report on XX/XX/2023. It has been over 45 days since I sent my inquiry but still have not received a response. I am writing to formally bring to your attention a matter of utmost importance concerning my consumer rights under the provisions of 15 U.S. Code 1681c-2. It has come to my attention that a consumer reporting agency has failed to comply with the statutory requirement to block the reporting of information resulting from alleged identity theft within the stipulated time frame of 4 business days. As of today, 30 days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. I am a victim of identity theft and have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency in question has not acted in accordance with the law to promptly delete this information from my file. This situation is not only causing me significant distress but also threatens my financial well-being. Furthermore, I would like to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. Identity theft itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, and none of those circumstances apply in my case as I never granted written consent for the inclusion of these accounts in my report. Please treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.
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. Its my understanding that the credit bureaus will investigate this account for me m to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX dealer XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax have violated my right under 15 U.S.C 1681 ( A ) reads The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report i would like all accounts removed which include XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX i would like all accounts Deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished.

I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to NEW AMERICAN FUNDING which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account NEW AMRCN FU XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, XXXX and now Convergent. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and XXXX have apparently abandon their attempts. The most recent attempt was made by Convergent. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.