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

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Account charged off. {$370.00} written off. {$520.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$7.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$550.00} Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$650.00} written off. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$110.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. $ FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

I Paid What I Owe Them. but They Did Not Remove IT From My Credit Report.
Product: Credit card

Synchrony Bank closed my XXXX credit line with PC Richards with no warning. 

I called pc richards and they told me to reapply, to which I did. 

This is they're response via email Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Please see reverse side for important information Dear XXXX XXXX, We have received your request for a credit product with PC RICHARD issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : The total amount of credit lines you have with Synchrony Bank I had XXXX cards under synchrony ( not by my choice ), now I have XXXX. 

Losing XXXX worth of credit dropped my credit score to under XXXX PC Richards doesnt know what Synchrony is doing either.
Product: Debt collection

Have been getting several times a day from a Company called XXXX XXXX XXXX. In regards to old Credit card debt from Citibank. This has happened before using a a different name of XXXX processing. I filed a complaint prior to this and Got response from Citibank which stating that did not work with XXXX. Now getting calls from XXXX company on Citibank and when notifed them they never heard or deal with company. I am at my wit 's end on how to stop the calls. My family also getting these calls looking for me. These are following number 's that are calling. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian & XXXX is reporting unverified accounts in collections. Accounts have been disputed but XXXX failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}
Product: Debt collection

Illinois collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Has called my place of Employment. This company illegally contacted my employment. I never received a call on my personal phone or had any mail sent to my home. I never had a chance to dispute or had written notification of this debt. I have witnesses who received call at my employment and took messages, this is the only way I was able to get a phone number of XXXX and a name of XXXX XXXX. I called and verbally informed her to not call my employer again as I have been warned and fired for personal calls. asked this service agent to send verification of debt to thru postal mail.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I want to bring to your attention the Inaccurate reporting thats being furnished on my consumer report by the credit reporting agencies. These accounts that are being reported is 100 percent Inaccurate. And they should be removed immediately. 
Thank you.
Product: Debt collection

Capital One calls outside of legal hours and when questioned on this abuse, they claim that they do not have control over their own auto-dialing system. I have documented at least one instance when they called after XXXX XXXX EST. Instead of acknowledging their violation of the law, they attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit cards.
Product: Money transfer, virtual currency, or money service

Sent funds via XXXX, was never sent tickets.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : XXXX XXXX XXXX XXXX and Experian Regarding Inaccurate Late Payment Reporting for XXXX Account Dear CFPB, I am writing to formally file a complaint against XXXX and Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/2024, XX/XX/2024, and XX/XX/2024, the inaccurate information remains uncorrected. 
XXXX Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/2024 ( XXXX and Experian ). 
Account XXXX : XXXX and XXXX. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect XXXX late payment reported for XX/XX/2024 demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/2024 is inconsistent with my payment history, as I have always made payments on time. 
XXXX and Experian report a XXXX late payment for XX/XX/2024, while XXXX has XXXX reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/2024 from my credit report with XXXX and Experian. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA Issue : Santander has been reporting inaccuracies with regards to my Credit Report since XX/XX/XXXX. They have completed ( 2 ) unlawful repossessions which adversely affected my credit rating, and removed 141 points. In addition to this infraction, they have misreported late payments which again negatively affected my account spanning back to XXXX. I have repeatedly called and escalated this matter with little to no resolve. It took until XX/XX/XXXX for the repossessions to be removed from my credit file, only to not receive the points that were unlawfully taken. In addition to this, the company has been increasing my overall tradeline balance although sufficient payments were paid with no reasoning as to why. I have requested numerous audits to no avail. I was recently advised on XX/XX/XXXX that Santander was no longer reporting to my credit, citing that there was a " suppression '' due to an investigation. This again adversely affected my credit rating, causing it to go lower. They will not tell me who authorized the suppression of my account or how it can be resolved. In addition to this, I am not able to successfully audit my on files, as the company sporadically put DNC order on my account, restricting my access and not accurately reporting payments or attempted contacts made to resolve. I am in possession of numerous recorded calls where the company admits faults in all of these scenarios, as well as documented correspondence via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On  XXXX   XXXX , 2017, TransUnion signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   XXXX   XXXX  . I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On XX/XX/XXXX , I received an updated copy of my credit report with a cover letter that included a statement that I could " ... also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. '' I had already included that request with the initial letter. There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On  XXXX   XXXX , 2017,  XXXX  signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
On   XXXX    XXXX , 2017 I received a copy of my credit report with the same stock cover letter that stated, again, I " ... may also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. I have not received the documentation from the original request of XX/XX/XXXX  as requested. They have also failed to provide the documentation from the 2nd request of XX/XX/XXXX . There is no proof valid verification took place, which should include the name, address and phone number of whom they received the information from, and what information was received to verify these alleged accounts, including any document bearing my signature.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX Bank is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX** XXXX** Account Type : Installment Installment Account Type - Detail : Unsecured loan - Bureau Code :  Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} No. of Months ( terms ) : 7 7 High Credit : {$480.00} {$670.00} Credit Limit : {$0.00} {$0.00} Past Due : {$670.00} {$670.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Product: Money transfer, virtual currency, or money service

I am having problems with Bank of America they have being holding my money related for the 2 tranfers for almost 1 month in different occasions. First time in XX/XX/2020 they hold my money for almost 3 weeks the time that they received the money to be transferred to my personal account in the USA. The second time was in XX/XX/2020 and right now as i am righting this complain they still have my money going for the 2 weeks in their possession.I have to canceled the 2 transfers from XXXX to USA and the Bank of America which is the intermediary bank not for my choice, and they arei not being efficient in delivery their services with competence. International wire transfers don't take more then 3 days, and please don't give the excuse this is because to Covid 19. the 2 times that i sent money to XXXX XXXX didn't take more then 2 days but the opposite back to USA is being a huge headache. This is not right what Bank of America is doing to me. I am going to lose the opportunity of buying a little apartment in XXXX due too Bank of America inefficiency of provide a professional service. Basically one month holding my money in the 2 canceled transaction in XXXX and XX/XX/2020. The owner of the apt do not want to continue the business and i am losing the apt due to Bank of America delays. it is very frustrating all of this experience. I traced and put an investigation from the sender bank and the 2 times Bank of America was the intermediary Bank involved unfortunately. Bank of America is very incompetent in what they are supposed to do, transfer the money back to my account. I wouldn't be forgiven by Bank of America if this money was to pay a bill to them. They would punish me with a huge high interest. I never will forgive the bank of America for all of my frustration due to their bad service.
Product: Credit card or prepaid card

I made a payment of XXXX on XX/XX/2022 which was the full balance of my express credit card. Today is XX/XX/2022 and I went to use my credit card for a purchase and it was declined due even though I had just used it for {$25.00} for an online order in store. It would not allow me to make the remaining {$260.00} purchase even though my account reflects an available balance of {$270.00}. I called the credit card company ( comenity bank/bread financial ) and they said that the account was suspended. I asked how I used it for the {$25.00} and they couldnt give me an answer. Theyre holding my money hostage, I was not notified at the time of payment that it wasnt going to be available immediately, furthermore this has never happened before so why now?
Product: Student loan

XXXX has been deceptively putting my loan in forbearance status even though I was never late in payment or requested forbearance status. Also, they are generating higher amount bill than it actually is due so that payment carries over to next month and it does not count as qualifying payment toward PSLF. This is a very deceptive and fraud practice. They are not listening to me and not fixing these issues. If they do not count all my qualifying payments for PSLF, I am going to take legal action against them. I hope they listen to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Consumer Loan

I received a judgement ( request and writ for garnishment ) slip from a company that I contracted for last year. This debt is more than 20 years old and is not valid or right according to my research. To elaborate on the situation here are the details, purchased a vehicle back in 1996, after a time the vehicle was stolen, no use in continuing payments on a vehicle that I no longer had possession of and yes the information about the theft was provided to Credit acceptance. Fist this debt is way over the statute of limitations and secondly I have not been served any papers to appear in court to defend the validity of the case. I do not have any papers due to the fact of the age of this situation and I am looking to see if there is any remedy for me due to improper handling of an old debt.
Product: Mortgage

Kondaur Capital Corporation is using faulty information in the servicing of this mortgage loan. 

Kondaur Capital Corporation has failed to deliver required foreclosure protections. 

Kondaur Capital Corporation has failed to respond properly to a Notice of Error and request for information. 

Kondaur Capital Corporation has failed to properly acknowledge and investigate my complaint Kondaur Capital Corporation has failed to correct the Error. 

Kondaur Capital Corporation is engaging in Dual tracking,
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c ( c ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law regulating the practices of third-party debt collectors. Specifically, 1692c ( c ) addresses the issue of a debtor 's right to request that a debt collector cease communication.

All communications regarding debt should cease and it is a violation of my rights to report anything to credit agencies. I demand you remove all items listed below. 

XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX  XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX
Product: Vehicle loan or lease

XXXX yrs ago I had a court date and they was suppose to garnish my state taxes. I havent had the vehicle in almost 8 years and they are still garnishing me after switching from different companies and selling the loan. I still owe XXXX on a vehicle that has been sold for since XXXX Credit acceptance is a bad company to get a loan from. The company that I bought the vehicle from was XXXX XXXX and they have long went out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.
Product: Debt collection

The debt collector was very rude while I was trying to explain to her that the debt was paid. She gave me their email, I had to ask several times for her to repeat the email because I could n't understand her and she then yelled at me saying " mam listen! '' and hung up on me. About XXXX minutes later she called back to tell me they had given me the wrong email and were rude for the duration of this conversation also.