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

I would like to have my old addresses and employers removed from my credit report. They are old and outdated and no longer apply to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not as if it comes with or as a big surprise but during the process of Obtaining two separate school loans I was led to believe that my payment would always remain manageable and that I would have nothing to fear when graduating only blue skies ahead however I was fraudulently led to believe that the payment would not adjust and yet it did and skies became quite a bit more gray. I am aware of the US government is suing XXXX XXXX XXXX and many other entities For fraudulently issue in student loans without disclosing variable rates against the fair lending credit act end it is a violation of the fair credit reporting act to report such fraudulent loans on my credit. I have opened disputes to ask for original amount of the loan an original signature is agreeing to those amounts Yet all three credit reporting agencys failed miserably and following the FCRA in verifying those facts with XXXX XXXXXXXX.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check at a ATM, normally {$200.00} of the funds are released immediately as I have been a customer of the bank since XXXX. This particular check was for {$5000.00}. It was a personal check from a close friend. I received a message on the morning of XX/XX/XXXX that there is a 10 DAY HOLD on the check. I went to the bank in person at XXXX XXXX XXXX XXXX with the intention of bringing in the person who wrote the check for any " signature verification '' needed, only to find out that I can not speak with a banker, only tellers who were very rude to me and told me there was nothing they could do for me. I was told there a different story that the funds were not collected, but also I could call the Wells XXXX number and get the funds released. Basically, they had no appointments and couldn't issue me one. I was told I would be contacted by the branch to schedule an appointment, which it has been 8 hours and no one has contacted me to schedule that appointment. I then called the XXXX number as I was directed and no one at the XXXX number would assist me. The " manager '' I spoke with basically told me " tough luck '' with the 10 day hold on my check and that there was no one to contact in the department that removes holds. Mind you that this hold is for 10 days. I was given a file number that someone would contact me IN ANOTHER 10 days to help with my issue. So basically, all their bases are covered and this corporation will hold my money for 10 days regardless. The case number is XXXX. That is all the help I am receiving, a lengthy number. Meanwhile the bank will hold my money and collect interest, as I am sure this is yet another Wells scam against its consumers. I also asked the " manager '' who this bank was regulated by and where my complaint could be filed and the manager on the phone refused to give me that information. I had to look this up myself. I know this says this complaint is 60 days out, but this company needs to be held accountable. There are XXXX points on a check and all XXXX points are met, why is " an additional investigation? needed? I dont have the money to file a class action law suit, but I know this practice of holding someone's money for 10 days is illegal.
Product: Bank account or service

Wellsfargo is charging me a overdraft fee which I had money already in my account to cover my transaction. If I over drawn then is my account statement showing that it 's - {$31.00} Rather than the charge purchase and overdraft fee. I also had a direct depost of {$49.00} and XXXX in my checking account. And I also had couple dollars in my savings account before I transferred {$25.00} in it.
Product: Credit reporting or other personal consumer reports

On XX/XX/26 sent certified letter to Bankruptcy XXXX in XXXX and received no response back. Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX Have fought account multiple times and had it deleted by two bureaus but still shows, Equifax keeps validating but court has not responded to my two inquiries for information or validation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot is in debt collection on my credit. This is not my account.
Product: Debt collection

XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports
Product: Debt collection

Credit Acceptance Corporation continues to call and harass me about a debt that they have been paid off on through there insurance company plus they are reporting the loan opening dates different with 2 out of 3 of the credit reporting bureaus. Which is a violation of my credit consumer rights in which everything has to be accurate when reporting a debt. An they sent me a copy of a contract that was signed with computer generated signatures that I have never signed even my signature was a fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is embarrassing not only for me but also for my family and me, and I'm so stressed out and disappointed that it's happening to me and my credit report. It is clear that either you made a mistake or that the business erred in reporting this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my consumer rights pursuant to the Fair Credit Reporting Act. I did not give permission for this account to appear on my credit file or did I validate it. Pursuant to Title 15 1681B, there must be Permissible Purpose for something to report to my credit file. I did not give written instruction for the account U.S. Bankruptcy Court to appear on my credit file. Transunion is using fraud by using identifying information without any lawful authority to furnish this information on my consumer report. By definition Transunion has committed identity theft.FCRA also state 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for US Bankruptcy Court on my consumer report does not match other consumer reporting agencies XXXX and XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account, US Bankruptcy Court, account number XXXX be removed. According to FCRA15 U.S.Code 1681c-2 ( a ) Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with US Bankruptcy Court account number XXXX is not relating to any transaction by myself, Transunion is required to place a block on my consumer report on the information associated with US Bankruptcy Court account number XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.
Product: Debt collection

This agency was notified that via certified mail as well as by email that the debt they are trying to collect from me is invalid. The original creditor was indeed paid and i submitted all supporting documentation to prove so. Futher more i was never even given the oppurtunity to dispute this debt before it was placed on my consumer report. accorinding to the FCRA i am suppose to recieve a five day written notice via mail or electronically and that NEVER happend. This company has violated my consumer rights and I will be seeking litigation for the emotional stress this has cause me in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX  violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


XXXX, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting 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 bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XX/XX/2020 XXXX/WESTLAKE FINANC  XX/XX/2020 XXXX  XX/XX/2020
Product: Debt collection

I have received multiple phone calls and text messages from Ncb Management Service claiming to collect on a debt that's in collections. I have checked all my credit reports and I show no accounts in collection or anything negative. They never say what the company is that they are collecting on just keep asking me to click on links in a text to sign into their portal. I will not click on any links due to possible scam. I also do not answer when they call. I have blocked every number they call on and they keep harassing me with different phone numbers. 

These are just the phone calls, no longer have the text messages 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

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX Please supply information on how you verified this account. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : XXXX XXXX LatePayment : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX , MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX
Product: Checking or savings account

I purchased a XXXX XXXX  and the XXXX  cancelled the XXXX. I want my money back I contacted the company they refused to refund me my money back. I contacted the bank and they refused to give me my money back.
Product: Credit card

Hired XXXX XXXX XXXX XXXX XXXX  to do a project. 
They suggested using Synchrony Bank 's credit card to finance the project. 
I applied and was approved for the credit card. 

On XX/XX/year> Synchrony had me sign a contract for the project 's {$16000.00} with the term " Your card will not be charged until the project is complete ''. 
See page 2 of Appendix A - Synchrony Sales Slip XXXX Reviewing my XXXX Synchrony credit card statement, XX/XX/year> I was billed for {$16000.00} ( even though the project had not started ). 
See Appendix B - Synchrony XXXX Statement I called XXXX XXXX XXXXXXXX XXXX XXXX to complain, they did not return my call. 

They started the project. As we watched the work, we noticed many low quality issues. After bringing them up with the company they became aggressive toward us. 

We then had a 3rd party HVAC company come out and document a series of issues with the system. 
See Appendix C - 3rd Party System Inspection - XXXX We filed a chargeback with Synchrony Bank for 2 reasons 1 ) Terms said " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified ).

2 ) Company is using aggression and intimidation to try and pressure us to accept low quality work. 

Synchrony Bank has rejected the chargeback stating we should accept XXXX 's word that the system is delivered and high quality ( refuted by 3rd party HVAC company, on company letterhead, that system is not delivered or acceptable quality ) Synchrony Bank is violating their terms by allowing a charge when " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified )
Product: Credit reporting

i disputed this information on my credit report : account receivables performance # XXXX with all the XXXX credit report bureaus because of inaccurate information, XXXX and XXXX responded with the deletion of the unverifiale and inaccurate information, however transunion refused to delete and claims this information is verified, i believe transunion did not do a proper investigation on this account, i do not owe that amount indicated in the collection account, this information is causing great harm to my profile, i want to give transunion the opportunity to delete this information immediately, before i escalate this dispute through a legal process. i have attached copies of the outcome of the disputes that i sent with the the other credit bureaus including transunion
Product: Vehicle loan or lease

I need every inquiry removed i see a lot that were not approved by me. i was trying to PRE qualify
Product: Credit reporting or other personal consumer reports

I got an alert from XXXX XXXX on XX/XX/XXXX saying I had a hard inquiry on my credit, after checking there was an unauthorized Capital One bank credit card inquiry on my account that I never inquired about or approved. The report was through XXXX XXXX
Product: Mortgage

Notary of home modification papers, Bank of America. More than willing to notary sign papers again for the 6th time when I receive written letter from Bank of America that this would be my last time in doing so. Told Bank of America contact, XXXX XXXX, that to contact XXXX XXXX ( contract with Bank of America to do notary ) not to call my house or come to my house to do notary ). XXXX called on Tues, XX/XX/2015 to notarize papers. I consider this as an intentional act of harassment because I told Bank of America to contact XXXX XXXX to cease all contact with me, until further notice. 
Action requested : Bank of America to inform their contract notary company to cease calling my house and do not come to my house to do so. 

XXXX XXXX
Product: Credit card or prepaid card

I received an offer to apply for a XXXX XXXX XXXX credit card and if I spent {$2500.00} in 3 months ( I spent that in 1 month ), I would receive XXXX airline miles. I am told now since I had a card within the past 24 months, I am not eligible. I never received ANY notice of ANY kind that I was not eligible for the reward before or after applying. If, when I applied, I was told I would not get the reward, I would have cancelled my application. If, after receiving the card, I was told I would not get the reward, I would have never used the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX 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. 
i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Product: Debt collection

i paid this medical bill directly to XXXX XXXX. attached is my payment confirmation. XXXX XXXX has a horrible accounting system.
Product: Checking or savings account

So I recently filed a dispute with boa and I noticed with some banks that after you filing a dispute you get your credit within 24 hours or even 1-2 days and im noticing after I filed my 2 disputes I was told to wait 10 days which I dont understand because different banks wont have u waiting 10 days just to receive a temp credit and im also not waiting 10 days just for them to declined my dispute and not give me my temp credit
Product: Debt collection

Upon checking my Credit Report with XXXX, I discovered that The CBE Group Inc-Former erroneously identified me as owing money to a retailer that I have not used in Texas. I have never lived in Texas or at XXXX XXXX XXXX XXXX, XXXX, TX XXXX (found on my Credit Report) nor have I ever bought anything from the company you indicated, XXXX XXXX XXXX  XXXX. I mailed a letter dated XX/XX/XXXX stating I was responsible fur the debt and for substantiating documentation. CBE Group responded to me by mail dated XX/XX/XXXX and identified the debt in regard to an account established with Spectrum formerly XXXX XXXX XXXX  by enclosing account statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as substantiating evidence of my responsibility for the debt.

I do not have any responsibility for the debt CBE Group is trying to collect. I have never lived in Texas, had a phone number or any services provided by XXXX XXXX XXXX as shown on the statements provided .

These documents that make you believe that I am the individual owing this debt, in fact only show that my very common name is the same and nothing more that links me to this debt.
Information shown on credit report:
 (XXXX) XXXX Placed for Collection: XX/XX/XXXX Responsibility: 
Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX 
Original Creditor: XXXX XXXX XXXX XXXX (Retail) Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX
Product: Debt collection

I sent a dispute letter to the credit bureaus disputing this negative account which is not mine and the collection agency sent me a letter requesting information to verify my identity I sent a copy of this letter to the credit bureaus along with my identity information
Product: Checking or savings account

On XX/XX/2022 I received {$10.00} in a incoming oayment and had {$2.00} on the account as soon as the payment cane in a message came up that my account was reset and the {$12.00} turned into {$2.00} and it said that I owed {$7.00} and they took it out if XXXX and {$2.00} was my remaining balance in the account. A month before that I received a payment of {$20.00} and they immediately took {$18.00} znd I was nit ovdrdrafted. The week before that I received a {$25.00} payment and it disappeared with no explanation. I received a {$10.00} payment from my XXXX Bank Account and it says XXXX XXXX and it disappeared too. Before that they refused to fix the problem with the XXXX XXXX XXXX not being able think up to my Venmo Account and transfer money to it. It works for others but they pretend to me it can't be fixed XXXX XXXX is a prepaid account bank and its not. Please help me get good customer service.