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

XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXXXXXX for and I also returned the box. XXXX assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 an 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. 

XXXX Account name 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 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
Product: Checking or savings account

Wednesday ( XX/XX/XXXX ) evening/Thursday ( XX/XX/XXXX ) wee hours : My debit card was stolen. 

Thursday midday, I locked my debit card and ordered a new one, using the Bank of America website. 

Today, Friday ( XX/XX/XXXX ) I visited my local Bank of America, to report the fraudulent charge : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit - {$0.00} I was directed by the teller to call XXXX ( XXXX ) XXXX, and informed that there were no senior bank employees such as the manager ( XXXX XXXX ) who regularly assists me to handle the task with the claims department. The teller advised me that he can only process withdrawals and deposits. I proceeded to make an appointment to speak with a banker XX/XX/XXXX2024 at XXXX XXXX. 

The problem is, there is someone I don't know with possession of my debit card who ostensibly, based on the fraudulent transaction in question, has access to my pin number. The website won't let me change my pin in advance of my new check card 's arrival in XXXX days and it can not wait until my appointment [ with XXXX ]
Product: Debt collection

On XXXX XX/XX/XXXX, after numerous attempts and phone calls with the collection agency, PARAMOUNT RECOVERY, to explain that I was cover under health insurance, XXXX, and I could provide them with the authorization number, it was refused. I then called the original credit collector, XXXX XXXX XXXX XXXX at : XXXX, and spoke with XXXX regarding this collection. I informed her that XXXX was giving the providers until XX/XX/XXXX, to refile the claim. I provided XXXX with the dates of service and the authorizations numbers, in order to, be paid. I also provided her with the number to XXXX, as, they will only speak with the providers. XXXX stated that the company would rather, just remove the amount, from my account. She then reached out to Paramount Recovery Collection Company and tried to get them to remove the collection and they refused, stating that, I was the responsible party, in which, I'm not, XXXX is.I also called Paramount Recovery and gave my permission for them to speak with the original creditor, as well as, the Department of Veterans Affairs concerning my account that is in collections. I would like to have this collection deleted and removed from my credit report.
Product: Credit reporting

Complaint against Experian. On XXXX XXXX, 2016, I ordered a one-time report for {$4.00}, which was charged to my credit card. I recently became aware that they have been charging me {$19.00} ( recently increased to {$24.00} ) monthly. I did not request, approve or authorize these charges. I feel this company is illegally charging customers for this monthly service after they have the customer 's credit card information. I received no benefit from this service and did n't even know I had it. I only became aware after going line-by-line reviewing credit card statements. I called Experian and cancelled ; therefore, it is not cancelled. I am ; however, left with the feeling I have been robbed. And I have been robbed. I am certain I did not check any boxes or do anything to make them think I wanted or approved this service. That same day in exactly the same manner, I ordered a one-time report from XXXX. XXXX only charged me once for the XXXX report.
Product: Debt collection

I SENT DEBT VALIDATION LETTERS TO EACH OF THESE COLLECTION AGENCY, ACCOUNT RESOLUTION SERVICES, AND XXXX XXXX XXXX ON XX/XX/XXXX. THESE AGENCIES HAS FAILED TO VALIDATE MY DEBT. INSTEAD, THEY SENT A LIST OF MEDICAL RECORDS WHICH I KNOW IS A DIRECT VIOLATION OF HIPPA REGULATIONS. I NEVER SIGNED A HIPPA FORM AUTHORIZING THEM TO HAVE ACCESS TO THIS INFORMATION. PLEASE DELETE THIS INFORMATION FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITIES IMMEDIATELY. 

ACCOUNT RESOLUTION SERVICES XXXX. ) XX/XX/XXXX {$140.00} XXXX. ) XX/XX/XXXX {$140.00} CHARGED TWICE XXXX. ) XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX. ) XX/XX/XXXX {$650.00}
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint.

I am a victim of XXXX, and the following account information, which appears on my Experian credit report, is a result of identity theft and fraud that occurred during this period of XXXX  : XXXX BANK Account Number : XXXX Date Opened : XX/XX/2016 I do not recognize this account as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Per Experian 's request, I have attached the following documents as proof that the aforementioned account is fraudulent and a result of my XXXX  experience : Official Police Report FCRA Section 605C Self-Attestation Form Notarized Identity Theft Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Additionally, I have also provided results and proof from other credit bureaus that have removed this fraudulent account from my credit reports based on the same documentation provided, without any issues. 

You previously deleted XXXX BANK Account Number : XXXX, and Experian is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that Experian provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled because this account is a result of identity theft. 
These documents confirm my identity and substantiate that these accounts were created without my knowledge or consent. I am requesting immediate action to block and remove this account from my Experian consumer credit report.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from my school XXXX XXXX XXXX for the amount of {$2700.00} into my checking account. I was told the day that I deposited the check that a small or a portion of the check like XXXX and some bucks would be released that day. The remaining of the funds will be available on Friday. I proceeded to deposit the check into the account and also to make arrangement on very important bills that had to be paid by a deadline because of what I was told in the bank. I called today, XX/XX/XXXX and chatted at a online chat with a representative to ensure and to see if everything had processed and my funds would be available as promise on Friday, XX/XX/XXXX only to be advised that on XX/XX/XXXX XXXX XXXX they sent an email saying something about my deposit being held with for up to five days. I explain to her that no one even checks their email on XXXX XXXX from their bank. I was under the assumption that they were even close that day. That was the reason why it was not considered a business day. However, they are stating that it was open they were open 24 hours of through the call center, but nothing was being processed. And that theyre gon na hold my funds until XX/XX/XXXX, which will send not only my account in further overdraft, but also some of my major bills will be returned because the funds are not available and theyre holding a check that has been should be cleared. This is not the first time that this type of check has come through the bank it is from my major college. There should not be a problem. I even took the check to XXXX XXXX  before I came to my credit union, they told me the funds were available, but they couldnt cash it because I did not have a XXXX  account and the check was over their limit of {$2500.00} for non-customers, so I dont know why my bank is having a problem with it, but apparently theyre holding this which is gon na put me in a hole and I will get charged overdraft fees and my bills not paid for this. This is unfair and customers should not be treated like this. Not to mention the notice that my deposit was successful the day I made the deposit then all of a sudden its problematic. Something is wrong and I am livid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.
Product: Credit reporting

I have contacted the credit reporting agency numerous times by certified mail asking them to provide proof these inquiries authorized. They have yet to provide documentation, and these items are still on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/2023 : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

in XXXX and XXXX someone called purporting to be a debt collection company. and said I owed {$340.00} on purchase I did not make and know the phone number they nothing about. they keep calling and playing the same recording. its interesting that they BABBLE their name very quickly and I can't understand them : accounts receivable XXXX XXXX XXXX. or something like that. the phone calls are annoying and even harassing. and no additional information is offered by the caller to explain what this is all about. the phone number they give is XXXX.
Product: Debt collection

On XX/XX/2023, I sent SUNRISE CREDIT SERVICE the following correspondence via certified mail after they reported on XXXX and XXXX. I am not aware of this alleged debt and SUNRISE CREDIT SERVICE needs to advise immediately. 

RE : FRAUD/AGGRAVATED IDENTITY THEFT - SUNRISE CREDIT SERVICE is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( SUNRISE CREDIT SERVICE ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( SUNRISE CREDIT SERVICE ) have obtained by aggravated identity theft in accordance to 18 U.S.C. 1028A. I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( SUNRISE CREDIT SERVICE ) is attempting to collect a debt from I, the consumer. This makes you ( SUNRISE CREDIT SERVICE ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by SUNRISE CREDIT SERVICE into the Federal Trade Commission for aggravated identity fraud and theft. Failure to zero out the balance within 15 days, will result in legal matters being taken and I will report to the Federal Trade Commission for aggravated fraud and identity theft. If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( SUNRISE CREDIT SERVICE ) and this letter may be tendered as evidence of failure to comply.
Product: Credit reporting or other personal consumer reports

I have called Experian multiple times to remove the " XXXX payments late XXXX days '' and the " XXXX payments late XXXX days '' that shows on their dashboard to my account and as part of the " payment history '' but there are XXXX accounts attached, I have never been late on any bills in years. Even prior to my XXXX I was not late, I was over my head and filed. If it took companies more than 60 days to update their records, that is not me being late. But since there are no accounts attached to the XXXX late payments, I can not dispute them. 

This incorrect info has cost me a lot in interest rates for keeping my score low. The customer service reps I have talked to have all agreed that it should be taken off. All accounts in my bankruptcy already show in bankruptcy. So even if there were incorrect payment histories they should not be a double ding on my report, even though I was never late and I have no idea if that is what is happening. 

No one will call me back. No one knows how to fix it but they all agree it needs correcting. 

This information is also not on my actual report, but its on my dashboard as affecting my overall score. So what ever is not on my report, should not be on my dashboard pulling my score down. 

I called XX/XX/2024, XX/XX/2024 ( twice ) and was transferred twice. I was told I would get a call back both times and never did.
Product: Bank account or service

I ordered an item that I was not aware came from XXXX. When I received the item it was not in US sizes so I did my due diligence and contacted the company for a return label to ship the item back pre paid since it would be more than I paid for the item to send it back they agreed but I never got the postage paid return label. I have disputed this with my checking account Chase Bank which just reversed the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my first dispute on XXXX on a XXXX XXXX XXXX. I sent the letter certified mail and I also sent a follow up letter on XXXX about this same account and the error was not updated or deleted. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This account it not.. I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. 

Here is the letter I sent : I sent this letter to all 3 credit bureaus. I also sent this same letter again on XXXX and as of today XXXX the account has not been updated or deleted. 



XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX XXXX # XXXX 1 ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports date XXXX. Please Delete this inaccurate information off my credit report. 


I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

I charged {$3400.00} to my Sams club Master card on XX/XX/XXXX. ( I repaid the {$3400.00} ch

arge in full within days ). Company Glass XXXX XXXX XXXXXXXX XXXX XXXX was to replace deck by XX/XX/XXXX pending weather. This was half down payment for project. No work or service was received. I disputed charge after trying to work with the merchant on XX/XX/XXXX. XXXX stated to work with credit card company to get refund. 
The company XXXX XXXX never returned to my home after the contract for deck replacement was signed. I received a check from Synchrony bank check number # XXXX issued on XX/XX/XXXX in the amount of {$3400.00}. I believed the dispute was complete and found in my favor. My card was recharged {$3400.00} on XX/XX/XXXX. 
I have continued and currently have an active dispute with Synchrony bank. Synchrony bank has received documented proof, no work or service was received, and continues to refuse to remove the {$3400.00} charge. 
I have sent all documentation first class mail to confirm the information was documented. 
I sent pictures of my rotting deck, with my credit card statement to prove current date in XXXX. 
I filed a police report with XXXX XXXX Police on XX/XX/XXXX. Report number XXXX The police report stated no work or service was done. Police went to XXXXXXXX XXXX business, ( since phone number was changed ). XXXX XXXX  company stated refund was issued. XXXX XXXX XXXX was to reissue the credit and would be reflected by XX/XX/XXXX. The refund was not issued. 
I sent text threads ( XX/XX/XXXX, and XX/XX/XXXX ) where XXXX XXXX stated the company would refund the {$3400.00} to my account as of XX/XX/XXXXXXXX XXXX XXXX has since changed their phone number, I have had no contact with company since XX/XX/XXXX. 
I continue to dispute this charge and want it removed from my synchrony account.
Product: Student loan

I applied for the Public Service Loan Forgiveness program in XX/XX/XXXX, as soon as the program was established. I was approved, but told that there was no documentation to be provided until I had made my 120 consecutive payments. I had made several calls in years following, with the same response. 
I transferred my loans to Direct Loans in XX/XX/XXXX, as I was informed that this was the only way I would continue to qualify for the PSLF. 
My 10 year/120 payment date was XX/XX/XXXX. In calling several months prior to be sure everything was in order, I was told that XXXX did not have anything in their records that I had even applied or been approved. 
I re-applied after being told that they could possibly backdate it so that my 120 payments would be considered. 
I was then told that my Direct Loan did not qualify me for the PSLF, and that I must consolidate once again to an income driven payment plan. I did this ( which raised my monthly payments ), and am now being told that none of my payments for the past 10 years will be counted. 
I have a list of documented phone calls, with each customer service rep 's " explanation '' and information. The above description does not even include the multiple times I was told my application was not received ( that was mailed/faxed a total of 4x ), that they were " waiting to hear from my employer '' ( when my HR director spoke to them on the phone in person ), and so many, many other discrepancies. My most recent phone call indicated a " long list of reasons that your previous payments do not count '', including 'deferment, default, change in employer, etc. '. None of these are true ... I have worked for the same employer for 10+ years, and had automatic withdrawal from my checking account every single month, never late, never missing a payment. In explaining this to the customer service rep, I was told that my case would have to go through a " review '' that would take at least 60 days. When asked for him to provide me a copy of my payment history ( which one rep said " disappears once you transfer your loan '' ) and/or the list of " problems '' that were on my account, he indicated that this information could not be provided to me. 

My loans should have been forgiven in XX/XX/XXXX, or at least backdated and be in the process of being forgiven. I am now starting back at square one with my very first payment being counted as last month, XX/XX/XXXX. I am XXXX XXXX XXXX, have been working 2 jobs my entire life, have sacrificed having a family, and have jumped through all of the hoops that have been required in order to qualify for this PSLF program. Every time I speak with an employee of XXXX  or PSLF I receive different, vague explanations. I have documentation of dates and descriptions of phone calls along with representatives names and ID # and all email/mail correspondences if needed. I am attaching documentation of my 10+ years of student loan payments. Any assistance in this issue would be appreciated.