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

There are many issues that have arose from using this company up to their deceptive advertising not letting you know you are entering in a lease and then once the lease is payed you enter into a loan. To their calling procedures you answer their call and its dead silent for 5 seconds and then hung up and you have no idea who it is. As well there agreements that confuse consumers and are not properly disclosed or discussed. I purchased tires for a total of XXXX on XX/XX/XXXX I didnt receive item till XX/XX/XXXX I entered into a lease agreement well a 90 day buy out option is XXXX plus what I already would have paid if I didnt do the buyout I would have to enter into a loan to purchase the product that was false advertising. I was never provided any disclosures when signing the agreement and when the loan agreement was signed I was never provided my truth in lending act disclosure my privacy act was violated I never gave permission/consent on my lease agreement to report to credit bureaus as the lease and loan are to separate documents I believe many laws have been broken including the FCRA Also they have reported to the credit bureau that I am 120 past due when I fell into a hardship to due to XXXX and being hospitalized a little while after that and XXXX XXXX as well identity theft I spoke to a gentleman that said make the XXXX dollar payment and we will not be reporting to the credit agency we will work with you so I did that and they started debiting my accounts normally bi weekly well to due my identity my bank accounts were accessed and as well as my emails I was forced to freeze my debit accounts and credit reports I tried to let them know when they called but It was a robo caller and just hung up but how can I be 120 days past due if I have been making all my payments except for the times of my hardships.also you cant even see your statements on your portal at all I have provided all the documentation to show them of hardships and after a year and some time they start reporting on my lease that I never consented to or disclosed to. 
A soft credit pull was pulled on my account I was not able to shop around as I was unaware that I was applying for both a lease and a loan with a interest rate of 16 % this reminds me of when I had snap finance and there practices but worse..I was only in stage 1 ( lease agreement )
Product: Checking or savings account

Chase bank paid a {$500.00} fraudulent check written on my account which had no signature on the front of the check. They said the check would not have been accepted if brought into a branch for cashing/deposit, but because the transaction was remote deposit capture no one looks at it and it gets paid automatically. They said the other bank was at fault for allowing the deposit to be initiated. It does not sound like they have sufficient controls to protect consumers from fraud for their remote deposit capture processing. It also seems unfair to admit the check would not have been accepted in person, but because it was paid via XXXX  I have no recourse. 

My fraud claim was denied by the bank because the check was stolen from my vehicle, but I dont believe the check should have been paid in the first place due to a lack of any signature on the front of the check.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXT : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX 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/year> 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

TransUnion continues to report inaccurate information. They are reporting two accounts, XXXX ( {$11000.00} ) and XXXX ( {$35000.00} ) that were open fraudulently. Both accounts were removed by XXXX and XXXX. This inaccurate reporting continues to affect my ability to secure gainful employment and purchase a home. I have sent numerous letters to Transunion regard this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( XXXX, Transunion, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022
Product: Debt collection

XXXX new collections just appeared on my credit file, no new medical debt that has n't been paid exist. How are these companies allowed to just take old, inaccurate non verifiable items and just report them?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX XXXX XXXX BALANCED {$470.00} XXXX XXXX XXXX BALANCED {$740.00} XXXX XXXX BALANCED {$690.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I tried to make a loan to pay XXXX school and was not approved because of too many late payments and accounts that still open. One telephone company is repeated 3 times when I just had one phone account and is supposed to be closed since XX/XX/2014. Another issue was that I was in a payment agreement with XXXX XXXX and they never told me that the account was going to be reflected as late payments. Every month I made the agree payment to XXXX XXXX.
Product: Money transfer, virtual currency, or money service

the company offer the first XXXX pay off type change are XXXX dollars and they paying at XXXX
Product: Credit reporting or other personal consumer reports

I request that you conduct an investigation into these accounts and promptly remove them and blocked all the information
Product: Credit reporting, credit repair services, or other personal consumer reports

MY OLD BANKRUPTCY IS STILL SHOWING ON MY CREDIT FILE, AND WOULD LIKE IT REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my experian credit report. That is incorrect, unverified, not mine, Also goes against metro 2 credit reporting act. These accounts are not mine but experian refuses to remove them. There is no verification on these accounts. 
I asked for signed copies of original contracts and have been waiting to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Experian XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.
Product: Debt collection

I received a phone call from Jana Ferrell & Associate, they told me that a medical bill was place in their office and they were auditing files for legal processing. I never recived paperwork on this account and I did know that I owe my doctor a outstanding balance but I made payment arrangements with the original creditor.

The rep for the collection company did tell me that the account was in the process of reporting to my credit, but If I made the payment that they would remove it off my credit report. Which I did that. Its been 5 months since the payment in full for the balance and they have not removed it off my credit. I have contact a few time to the company but they tell me that all they can do is report the account as paid in full.
Product: Checking or savings account

I always watch my account via on line to make sure I am not spending more than I have. Well I looked at my account one day and it told me I had XXXX AVAILABLE balance. So I went ahead and used the XXXX AVAILABLE balance. Turns out that was n't a TRUE available balance and little charges of a few dollars here and there caused US Bank to overdraft me and charge me XXXX in over draft fees. They then started to charge me XXXX every 7 days my account is over drawn. I feel like should not be allowed. This is absolutely absurd. This has been going on for about two weeks now and the bank wont reverse any fees
Product: Mortgage

On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.
Product: Prepaid card

I received a XXXXXXXX XXXX prepaid American Express Giftcard for winning a XXXXXXXX XXXX XXXXl The first day I was able to use my card at a store, restaurant, and XXXX online vendors ( XXXX and XXXX ), absolutely no problems For the past 3 days I can use my card for anything, Ive been declined online, in stores, at gas stations, pharmacies, restaurants, corner stores etc When I check the Amex website it says that its missing a security code and thus is declined every time This is weird as I put in the security code every time to have the card linked in the first place When I tried to contact Amex there customer service has to be based offshore, so its hard to communicate my issues and also hard to understand them In addition no matter what the only 2 answers I ever got no matter who or for how long I spoke to them, was that a ) my card is active and should be ready to use, wait a day if your having issues ( Im now on day 3 ) and b ) weve enhanced our security features for our cards so this could also be the reason for declined ( but then they NEVER tell you what those security features are or how to avoid them etc, etc ) This is just absolutely ridiculous that I cant spend the money off a giftcard, Ive NEVER had this problem with a visa giftcard but my first ( and last ) Amex card is giving me all types of issues I want a full refund of the XXXX $ sent to me via check, Im sick Amex and dont want to deal with the company of the gift card anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : BANK OF AMERICA XXXX
Product: Debt collection

I filed a complaint with cfpb on XXXX XXXX against the Resurgent capital services for reporting an account that did not have no identifiable identification to be attached to me, the company received my State issued picture ID showing my exact legal name, physical address, Date of Birth and social security which clearly did not match with the account holder that they are reporting it under my name, the Resurgent capital responded to my complaint by addressing my name correctly as XXXX XXXX but claiming me as the owner of the account that clearly on their 50 plus computer generated statement that they provided to CFPB that non of those page had nothing to identify me as the rightful owner of the account and therefore the company is not able to provide me a validation of this debt that can identify me as the account holder and by the law they failed to provide debt validation and have be removed. 
Please see the attached documents.
Product: Bank account or service

I would like to report Wells Fargo for several unfair business practices and total lack of customer support. On XXXX XXXX, a person whom I shared an account with setup a checking account without my knowledge and then linked that account to my personal checking account without my approval. This person then transferred all of my personal money and left me completely broke. I notified Wells Fargo of this because it 's no different than someone I do n't know finding out my checking out information and doing the same thing. I reported this to Wells Fargo as soon as it occurred and Wells Fargo refused to accept this as fraud and allowed this person to get away with stealing. Wells Fargo advised me that I can close this account and still receive the direct deposits I was anticipating. However, the direct deposits did not post or transfer to my new account as Wells Fargo ensured me they would. This has resulted in me losing a crucial severance check from my previous employer. No one at Wells Fargo showed customer service or sympathy to my situation and I want to elevate my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX  - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXXXXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.
Product: Debt collection

On XX/XX/XXXX I sent this company a debt validation certified letter by USPS with a tracking number of XXXX. 

On XX/XX/XXXX the company responded and said they would cease collection efforts until they are able to validate this debt because they could not do so at that time. 

It has been over 30 days and I have yet to hear from this company to validate the debt they say I owe so I sent a follow up letter, still no response. 

On XX/XX/XXXX well over the required 30 days I opened a complaint with the XXXX  and on XX/XX/XXXX the company responded with the same generic response that they cant validate and would cease collection efforts until they can. 

I put a dispute in with the credit reporting agencies and this company continues to verify the account reporting is accurate and continues to update a balance. They have not stopped collection efforts by doing this. 

Here we are on XX/XX/XXXX and this company still on my credit reports without properly validating this debt is mine and I exhausted my options with them. In the state of Texas if a company can not validate within 30 days they must remove this. Ive asked them to immediately delete this account off all my report is as they are violating my rights.
Product: Credit card or prepaid card

Synchrony Bank manages two of my credit cards- Lowe 's and Amazon. Up until late XXXX, I would log into one card and see only the information for that one card. In late XXXX I logged into one of the cards and both cards information showed up. On XX/XX/2022, I called Synchrony Technical Assistance and was advised there was a new feature " account manager '' and if I didn't want to see all my credits cards Synchrony manages, I had to toggle the button to " off '' before logging into each account. I did that. Now several weeks later, I go to log in and the toggle is back in the " on '' position. On XX/XX/2022, I called again and told them to fix this problem, as the toggle should always be in the " off '' position and if someone wants to have their information co-mingled, they should toggle to the " on '' position. 

I accused them of co-mingling my private information ( i.e. user name and passwords ) from two separate companies together without my permission. Who's to say that one credit card company would not accidentally get the information about log in and password for the other company??? Synchrony claims they have the right to put multiple accounts under one umbrella. I DISAGREE. My information from one company should not be lumped together with another, as I said SEPARATE USER ID AND SEPARATE PASSWORDS. It would be if I were an accountant and had a client with separate businesses and then lumped them together in one reporting to said client. THIS IS WRONG. They are not willing to see this is wrong and fix it so the account manager feature stays " off '' and you would be required to turn it " on ''. 

I advised them that this would cause me to cancel these store credit card accounts and tell everyone I know about their practice to automatically violate our privacy without our permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allowed XXXX XXXX to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.
Product: Debt collection

I writing because I pull my credit on XX/XX/XXXX found out about this collection from Plaza Services Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter Plaza Services they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 
1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 
2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 
3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b XXXX FTC opinion letter XXXX from XXXX. 
Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.