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

Greetings, there appears to be a perpetual mishandling of my credit score by XXXX. Such mishandling spurs a " ripple-effect '' throughout the credit report agencies. Between the month of XXXX and XXXX, my credit score dropped from XXXX, XXXX, and currently XXXX. My credit score is released via my bank ( XXXX XXXX  ) and will there was a credit and inquiry freeze set up with all three credit reporting agencies in XXXX. XXXX continues to monitor my credit and misappropriate my credit score via misinformation. Credit pull reveals an incorrect mortgage amount of {$XXXX} from mortgage holder, XXXX XXXX XXXX. The actual amount owed is {$XXXX}. There is no late payment attached to such amount last reported to XXXX. I spoke with credit wise when my score was dropped from XXXX to XXXX and there was not a creditable reason. My credit cards are paid in full on date due thus no history of credit card debt. In the past, XXXX  has failed to update my credit score without propaganda on purchasing items that will provide access to my credit score via XXXX, XXXX, or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claimed in CFPB case # XXXX that " In accordance with the Fair Credit Reporting Act, entities who have certified to XXXX that they have a permissible purpose may inquire about credit information. '' SYNCB/XXXX XXXX XXXX  did not have a permissible purpose to inquire about credit information. According to federal law, XXXX must be able to verify that SYNCBXXXX XXXX XXXX  had a permissible purpose and, if none exists, must remove the hard inquiry from the report within 30 days. The consumer has verified from their end that there was no permissible purpose. Via phone, SYNCB/XXXX  & XXXX claims that someone applied for credit using XXXX 's credit report, which would be illegal without XXXX 's XXXX consent ; SYNCB/XXXX XXXX  XXXX already acknowledged this but has not taken action to fix this. XXXX 's reply to CFPB case # XXXX also states, " Please contact your local Attorney Generals office for further information regarding your specific state laws. '' The consumer should not have to go to their local Attorney General 's office before XXXX provides a non-templated/canned reply, as they did in CFPB case # XXXX, to the consumer complaint. 

SYNCBXXXX XXXX XXXX shows up as a hard inquiry on my XXXX credit report. SYNCBXXXX & XXXX had no lawful reason to perform a hard inquiry on my credit report nor did XXXX diligently prevent unauthorized or unlawful access to my credit report. SYNCB/XXXX  & XXXX Additional details Business type Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is report-ing a late payment to XXXX, XXXX & Experian XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.
Product: Credit card or prepaid card

After discussing with a customer service rep via their chat service the waiver of a late fee and interest for a balance due on my XX/XX/XXXX statement I made a payment that I was under the impression would bring the account to a XXXX  balance. The next month I received a statement showing a remaining balance of {$10.00}. I believe this was due to a credit not reflecting on the statement before it had printed based on my conversation with the representative in XXXX. In XXXX I received a new statement showing a new late fee and interest on the {$10.00} balance from the previous month. I paid the previous balance due, though I did not believe that amount to be correct, and tried several times to chat with the company in XXXX but ran into technical issues on their end that was preventing our connection. When I connected on XX/XX/XXXX via chat to discuss the now 2 late fees and interest charges that had occurred I was advised that even though the conversation I had with the representative back in XXXX led me to believe I would have a XXXX balance on the account, they would only waive 1 set of additional {$10.00} charges, leaving me to owe {$22.00} currently for fees and interest I thought was being credited back in XXXX and they are making money off of stacking fees when no new transactions have occurred since the XX/XX/XXXX statement. There was also no mention of the {$10.00} payment I made on XX/XX/XXXX, and how that is credited towards this supposed balance due. 

Their chat service does not offer to send a copy of the transcript for a customer 's records, so I have no documentation to refer to from the original chat for the company to see where the miscommunication occurred or to counsel the representative that I worked with in XXXX or this most recent conservation in XXXX. It seems this is an easy way for them to nickle and dime their customers who probably have small balances and/or pay them off in full because of being a store credit card that most people most likely only charge at on an occasional basis, and they might not make as much money in interest on this store. I could've easily paid off {$10.00} on time had I thought I needed to, and now the balance increased to 3x that amount with no new purchases.
Product: Debt collection

Im exercising my right as a consumer according to Section 609 of the FCRA a company has to provide proper documentation an original signed contract with my signature. I reached out to XXXX in XX/XX/XXXX to dispute this account my information was taken and someone opened an account. I tryed fixing this on my own now I need the help of the CFPB Im trying to get my life back my credit is awful. But I do understand that Section 609 of the FCRA requires original signed contracts with the consumers signature.These documents Im attaching is what Ive been getting. The XXXX account number is XXXX I want the proper method of investigation proper verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. I have already filed a complaint with the Federal Trade Commission ( FTC ), under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from fraudulent activities and inaccurate information on their credit reports.

As a result of this identity theft, my credit report contains several negative and inaccurate accounts that do not belong to me. Under 15 U.S. Code 1681c-2 ( FCRA ), I request that these fraudulent and inaccurate accounts be blocked, deleted, or updated accordingly. This law allows victims of identity theft to request the removal of fraudulent information from their credit reports once they have submitted proof of identity theft, such as an FTC Identity Theft Report, which I am happy to provide.

Furthermore, I invoke my rights under the Fair Credit Billing Act ( FCBA ), which entitles me to dispute incorrect charges and have them removed from my credit file.

Please take prompt action in ensuring that these fraudulent and inaccurate accounts are corrected or removed from my credit report. If you need any additional documentation, I am more than willing to provide it.

Thank you for your time and assistance in this urgent matter.
Product: Bank account or service

In XX/XX/XXXX, my XXXX Aunt went into her Astoria Federal local branch in XXXX. She had XXXX CD 's that were maturing in XXXX. I do not know how they convinced her, but she was guided to the " investment desk '' and met with XXXX who convinced her to take XXXX CD for approximately {$12000.00} and an IRA CD worth about {$14000.00} and put them into tax deferred annuities with 7 year surrender charges! There is no justification for this " transfer '' since the annuties are not paying more than the CD 's were, and now she ca n't get at her money without a huge Surrender charge which is currently 6 %. Not only that, but they did not even wait the 1 month until the CD 's matured and it cost her roughly {$60.00} in " penalties '' for breaking the CD. Why not wait 1 month so she would not have to pay an extra {$60.00}? The answer is GREED and COMMISSIONS. 
This lady was taken advantage of, and now has financial problems not being able to access her money. Then in XXXX, she went to XXXX bank in Astoria and worked with XXXX and they took her out of an IRA annuity with XXXX paying 2.75 % and put her into an immediate payout annuity with Principal that is paying a 1.8 % interest rate. On the Regulation 60 paperwork, they put down that the reason for the transfer was " need for income '', their reason that the XXXX contract could not satisfy the need was " this is a fixed annuity ''. Well a fixed annuity can be annuitized to satisfy the income need, and since it was an older contract, likely would pay out at a higher rate. Again, they did this for commissions. They did not have the best interest of the client in mind. Also in the suitability section of the application they put her investment time horizon as " more than 10 years ''. What XXXX has that investment time horizon? 
This is a horrible example of banks taking advantage of senior citizens.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts they have on file are incorrect and they are affecting my personal life, my workplace, my access to insurance, and all of these have put me in unsafe and terrible living conditions. My ex wife and child is now being effected by these false items on my report. 

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 or other personal consumer reports

FCRA 605B, in my understanding, demands the elimination of any incorrect accounts from my credit report. Could you verify the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Checking or savings account

I filed a previous complaint on suntrust nothing was addressed about Suntrust Closing my account and holding my funds {$2300.00} I have no acess to them Suntrust has violated consumer bank protection laws and are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX -Account # XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ( XXXX XXXX ) -Account # XXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # XXXX ( XXXX XXXX ) has violated my rights.

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

15 U.S.C. 1681 section 604 A Section 2 it also states a consumer reporting agency cannon furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following accounts are being reported XXXX my credit file contain multiple inaccuracies which the credit bureaus are allowing and not removing. The accounts are as follows : XXXX. XXXX  - ( XXXX ) accounts listed have inaccurate payment history reporting and balance XXXX. XXXX XXXX XXXX - inaccurate account balance and payment history XXXX. XXXX - balance inaccurate XXXX. XXXX  XXXX- ( Acct # XXXX ) closed XXXX/charge-off account reporting payment history
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold by XXXX XXXX XXXX XXXX  to Specialized Loan Servicing ( SPL  ) in XXXX. My first payment due to SPL was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted SPL to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  # XXXX, XXXX. XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Portfolio Recovery Associates Account # XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 




XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Portfolio RC Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXX/XX/XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for XXXX from a retirement fund. I had to cash out of my retirement fund early due to financial hardships. I called TD Bank on XX/XX/XXXX to find out when my money would be available and she told me it would be available the morning of XX/XX/XXXX. This morning when I checked my bank account it said there was a hold placed on the deposit. I called ( XX/XX/XXXX when they told me it would be ready ) and I was told there is a 6 day hold on my deposit because they needed to verify the funds. Why did one person say the XXXX and one person say I still have to wait 6 business days which is ALOT more than 6 days. They are now telling me that my money will not be available until XX/XX/XXXX!! I had to get that money because I desperately need it and now they are keeping it from me. I had to evacuate from my house in North Carolina due to the hurricane and now I dont even have money to get back there or buy a dehumidifier for my house that flooded. It's my money and their explanation was not enough. I want to access it now. I need my money now. They just want a hold on my account because I was overdrawn and they want to collect all their overdraft fees so I can be more in debt before I get my money.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXXXXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a description of the investigation within XXXX XXXX of receiving a consumer dispute. 
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXXXXXX XXXX  account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : TransUnion : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments. 
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history. 
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records. 
The account status is marked as " XXXX, '' but the late payment notation is not supported by my payment history. 
XXXX : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX. 
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments. 
This account has been reported inconsistently across the XXXX bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies. 
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXX XXXX account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA. 
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ). 
Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status. 
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within XXXX XXXX 
Thank you for your cooperation in maintaining accurate reporting standards. 
Sincerely, XXXX XXXX XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

I received a summons from Business and Professional collections services in XXXX. 
- I called a few days later to discuss the debit. 
- I wasn't sure about the debt so I sent a " debt validation letter '' on XX/XX/XXXX. 
- I revived an itemized reply on XX/XX/XXXX - I called to settle the debt on XX/XX/XXXX, After some back and forth they offered to settle for {$830.00} and they wouldn't charge me ( filing and court fees ). I  asked for a few days to get paid and " check my finances ''. I used that time to contact the original hospital ( XXXX XXXX ) to  confirm that Business and Professional collections acutely controlled the debt. 
- When I called back on XX/XX/XXXX I was informed they has rushed out just after our call to get a " judgement ''. So now they want $ 200+ more! Once I wanted to settle in full they rushed out and increased the debt by 25 % to get more money!!! 

I feel there negotiations where not in good faith ; They created an artificial timeline and once they saw an opportunity they rushed to increase the amount they get paid. If you look at reviews of this place it seems this is a common business practice for them.