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

ECMC and or Educational Credit Management Company these accounts were properly investigated and came back as verified. However how is that true when there are several inaccuracies on my report? As a consumer I request to know all the steps your agency took to insure items were 100 % accurate under 15 USC 1681 ( 7 ) method of verification description of reinvestigation procedure. 


Account Name : ECMC ( 7 line items ) Account Number : XXXX Company does not have a Surety bond and is not lawfully collecting debts in the State of Texas nor California Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Wet ink Signature provided was not my signature but yet they still try to pursue this debt even though I have provided police report. Company does not hold Surety bond in Texas or California and still reporting this debt on my report. The company has passed the statute of limitation on debts that are not even mine and should not be reporting on my credit report..
Product: Money transfer, virtual currency, or money service

XXXX XXXX received a text message on XX/XX/24 at XXXX hours from unknown number ( XXXX ). The text message stated Chase did you attempt to wire of {$2700.00}. Reply YES/NO/HELP, if No you will receive a call from our customer service number shortly. XXXX replied NO and then received a call from ( XXXX ), which is the customer service number on the back on her Chase card. XXXX was told that her Chase checking account has been compromised. She was told that in order to save the money that has been taken she would need to wire {$13000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to a subject named XXXX XXXX. The transaction was completed on XX/XX/24 at XXXX hours. XXXX was told that if she does not transfer the money now, she would not be refunded the money since Chase has reached out and made an attempt to get this money wired back to Chase using the account numbers they provided. XXXX was told that another {$10000.00} was again taken from her checking account and that she needs to wire it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to a subject named XXXX XXXX. The transaction was completed on XX/XX/24 at XXXX hours. The total amount of money that was wired was {$24000.00}. A police report has been filed with the local authority.
Product: Credit card

Reported card as fraudulent activity! Have provided company with statement from employer that I was at work the time these charges were made in another state along with a police report from my home state! This company states they have a 0 fraud liability policy, and they are not adhering to there policy! My next step will be litigation if you are unable to intervene!
Product: Credit reporting or other personal consumer reports

The attached XXXX  was provided to my when i looked up if my personal information was affected, and it was in fact part of Equifax data breach. Equifax had a data breach and my personal information was obtained and used to get credit that was not authorized by myself. Inquiries were added to my credit report that were not initiated by myself. Several accounts have been placed on my credit report, and even with supporting documents provided to Equifax I've been told they have verified the information as correct. If your business is for profit corporation, and anyone paying for your service means they can and will put information even incorrect just as long as equifax is receiving income from said creditor and or business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank my XXXX XXXX reported me late and also have the incorrect balance. I always paid on time and never late. I need assistance with getting the corrected. Thank u
Product: Credit card

I had Amazon XXXX  for years before I signed up and was approved for XXXX dollar credit limit from Synchrony Bank. When I got the card I read that it was XXXX XXXX interest rate so I decided that I would never use the card because of the high interest rate. Soon after that I realized that I was getting late charges from a card that I had never used. Synchrony had replaced my primary payment method ( XXXX XXXX XXXX XXXX ) to their card without my permission. After years of them replacing my primary payment method I was fed up and in XXXX or XXXX of 2023 I called them for what I thought would be the last time I spoke with them. I continued paying my XXXX accounts ( XXXX XXXX XXXX  XXXX ) with my XXXX checking account. I kept getting late charges from and I wondered how? Instead of closing my account as requested, they opened up a fraud case and sent me a new card that I never activated. I was forced to call them several times before 2024. In 2024 they sent me a letter claiming they had opened up a fraud case and that they would freeze my account until the issue was resolved. However they continued charging me late fee 's every month. They reported late payment charges to the credit bureau although I have had XXXX XXXX on time payments with everyone else for the last XXXX  years. They claimed the reason was because I still owed XXXX dollars but they couldn't tell what the charge was for. I have spoken to Synchrony several times this year and was always met with hostility from their Customer Service Reps. 

As a result I had to close the XXXX accounts I had with them to ensure they couldn't continue charging me in a fraudulent manner. However that wasn't the case. I had a XXXX credit limit with Lowes and Synchrony they reduced the credit limit down to what I owed, which made it look like I had used XXXX XXXX of my limit. This company has been predatory against me since I first activated the original account.
Product: Credit reporting or other personal consumer reports

This account is being reported on my consumer report. I have no knowledge about this debt or this credit collection company
Product: Debt collection

My credit file shows a collection from your agency. I was never notified of this collection. 
Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
Product: Debt collection

I entered into a lease with my ex husband at the XXXX and we are both equally responsible for paying the amount that is owed. the XXXX are well aware of the tenant i lived with abandoned the residence therefore leaving me with the full debt.I would like to resolve the issue by paying half the amount that is owed to the collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and XXXX, XXXX and Experian are the consumer reporting agencies. According to 15 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to make sure my private information isnt shared. XXXX XXXX XXXX is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other " in accordance with the written instructions of the consumer to whom it relates ''. XXXXXXXX XXXX XXXX Experian, XXXX, and XXXX do not have my consent to furnish this information. Any and all consent to Experian, XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 '' This account is being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title '' XXXX, XXXX, and Experian are not maintaining reasonable procedures at this time. 

12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Product: Credit reporting or other personal consumer reports

I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, nither did I have any contract with them or nither do I have any signed agreement with this company. They are billing me for {$650.00} dollars on my credit report. 
I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have asked Transunion for months now to investigate several accounts on my credit report. They are ignoring me and sending me a letter stating they need information that I have already sent several times. At this point, I believe they are not being professional and taking my life as a joke. I am currently homeless and have nowhere to stay and cant get a job because of my credit report. I am stressed out and on the verge of doing something that I think I will regret. My character has been deformed and my status as a human has diminished. They have broken more than enough laws for me to go to court and sue for defamation of character and violation of the FRA. It has been over six months without a response from XXXX. I need these items removed from my credit report immediately so I can get back to being the man that I used to be and providing for my kids, which I havent seen in six months because of my circumstance. Please help me as Ive already stressed this to Transunion with no reply. 

Accounts : Remove and BlockXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries : DeleteAll inquiries..I do not recognize any of them. 
Update : XXXX XXXX late payment as current.
Product: Mortgage

A few months back Washington Federal or XXXX with headquarters in XXXX, WA, sent me my escrow. On this escrow, it showed the bank paid my insurance company a second payment for {$1200.00}. The insurance company said it never received the money. I talked to several people in XXXX and the concern was unsolved. 
Today I am concerned Bout a balloon payment because I will end my loan in 2024. I requested from XXXX a disclosure statement that tells me what exactly I owe the mortgage. 
They declined to give me anything. So I made an appointment with their bran in XXXX XXXX XXXX with all my questions sent prior the meeting. The manager did not answer my questions until he could talk to XXXX. A few days later he said I could do payments to the principal to his XXXX XXXX branch however did not sent me anything in writing. 
I am concern about sending more money if I don't know where this money is going. 
I sent {$3000.00} dollars to the eacrow this year and my payment was not reduced, it got higher. 
I am concerned and would like transparency about what I owe. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

The late payment with XXXX XXXX  Account Number : XXXX shouldn't be on my credit report according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Paypal is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving. 

I sent {$750.00} instant deposit to my daughter via Paypal for an emergency. Minutes later my daughter advised she received notice she will receive funds via e-check in 3-5 business days and not in minutes as advertised. 

I reached out to Paypal to express urgency. Spoke to multiple reps and supervisors. They said they could not stop the transaction nor expedite the payment. Paypal effectively hijacked my money by not giving me an option to cancel the transaction or providing a stop payment. I voiced the fact that they deceptively advertised an instant deposit and did not provide disclosures setting true expectations of funds availability. No pop-up was provided to say " before you send, funds will be sent by check in 3-5 days '' ... no clear notice.

I stayed on the phone for more than 2 Hours. I believe they purposely kept me holding on the phone to wear me down so that I can go away. But I'm not quitting on my daughter during an emergency because a company has poor customer service or simply no respect for customers. 

I even offered to provide additional documentation confirming that my bank account has sufficient funds. They still claimed that they couldnt help me. 

This company is exploiting their virtual platform to avoid reliable human resolution and taking consumer funds without recourse. They then hung up the phone without resolving.
Product: Debt collection

Zion Debt Holdings is attempting to collect on a fraudulent account that they purchased from XXXX alarm systems. This account was open unauthorized back in XXXX, XXXX removed it from my report but has now sold the collection as viable. 

This is fraud, I did not ask for it. I have asked that they provide the original agreement and are refusing to supply it because they know it's fraud. The outstanding amount owed is : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have leased a   XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of  XXXX  each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further. This is impacting my life. I have now had   XXXX   of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  ha s reported.
Product: Mortgage

Dear To Whom It May Concern, I am sending this letter to inform you that I have been in a hotel with my family of XXXX for two month. 
( Because my lease was up )! and on XXXX XXXX I was set up for closing with a closing attorney in XXXX, Ga which I to send them my 3.5 percent on XX/XX/XXXX. But on closing date the attorney office never received the final paperwork. So my load offcer stated that we was still in underwriting. 2 weeks pass then on XXXX XXXX i received a letter from XXXX XXXX  services stating that my loan was approve and i also received my three day disclosure and I was supposed be closing in XXXX XXXX. One XXXX XXXX. I received a call from my loan officer stated that a XXXX in underwriting won't let us closing because of a collection back in XXXX which I paid to comply with underwriting. Then on XX/XX/XXXX XXXX in underwriting cleared that debt issue now underwrite is hold on closing because tax issue which we took care of the tax issue. Them a weeks went by on XX/XX/XXXX, I received a call from my loan officer stated that now there is. Issue with my down payment to prevent us from closing. XXXX stated the cash of {$4700.00} cant be a source of down pay with out a paper trail. Which I wrote a letter of explanation on where and when and why with documents for a paper trail for {$4700.00}. So now my family are just living in this hotel until we get and answer from XXXX the senior underwrite who handle my file ... 
This problem specifically concerns the below premises : Purchase Home XXXX XXXX XXXX XXXX, Georgia XXXX Please do whatever is necessary to address this problem as soon as possible. 
You may contact me at the above address if you have any questions.You may also contact me using by email. 

So I file complaint with the XXXX  for XXXX XXXX  XXXX. On XX/XX/XXXX. I received a letter response to my complaint. And the stated that my loan officer XXXX XXXX @ city worth fail to Comply XXXX conditions of the loan and he never rely to few email. They also stated that XXXX XXXX the loan officer stated that I was interested in the load any more. Which i never stated th as at all. I also ask to sign a termination agreement to give my earnest money to the seller.. which I didnt sign. So the seller sold the house.. and I'm homeless
Product: Credit card or prepaid card

XX/XX/2019 I tried to apply for a Chase Freedom Unlimited Card and my application was denied XX/XX/2019 I contacted Chase to see if I could reopen a closed card from XX/XX/XXXX and told me they can not reopen it at this time. 

Separately It also seems Chase has high interest rates and fees
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX - ACCOUNT # XXXX ] [ XXXX XXXX XXXX - ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Product: Credit card or prepaid card

Trans union charged my card for a subscription that I did not sign up for, they charged my card XXXX and refused to credit my account! I canceled my account but I want a refund!