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

I complain about Synchrony Bank as I have been unable to obtain its agreements. Regarding my XXXX  account, the CFPB has one account agreement while a lawsuit filed in Florida a few weeks ago against someone else shows a different agreement for a Lowes credit card. Due to inconsistency, it is absolutely necessary that I promptly receive the exact card agreement applicable to me regarding XXXX and every other Synchrony Bank account I have. Nonetheless, to resolve conflicts, if necessary, I will consider it my choice to choose whichever agreement best serves my purposes due to conflicts and your refusal to disclose card agreements. See attached conflicting agreements.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please remove this items ASAP.
Product: Debt collection

On XX/XX/2017 I authorized automatic payments on the XXXX of every month starting XX/XX/2017. An unautorized payment was run by PRA Group Inc on XX/XX/2017. I called my financial institution, and they stopped the transaction and released the funds back into my account. I then emailed and called PRA Group Inc and demanded they cease and desist any and all efforts on my accounts with them due to their practices breaching the FDCPA by processing an unauthorized trasnsaction without my consent. On XX/XX/2017 PRA Group Inc ran my financial information again, and collected the payment a second time, after being notified to cease and desist for the original unauthorized payment.on XX/XX/2017, due to violating 15 USC 1962e ( 10 ) and 15 USC 1962f ( 1 ) ( 4 ). Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

after pulling my experian credit report I seen there are XXXX names and XXXX addresses so I file a dispute online and over phone it has been working on this sine XX/XX/XXXX and the information is still appearing on my credit report online XX/XX/XXXX and XX/XX/XXXX called on the XX/XX/XXXX and XX/XX/XXXX and error are still appearing on my credit report
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 to be removed/updated.

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 trea t 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. I have requested proof that this information was mailed or delivered 21 days befor
e 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX credit card application denied. Credit score reported by Experian XXXX. Current credit score per Experian credit score XXXX. 

XX/XX/XXXX Contacted Experian for more information regarding discrepancy. XXXX with Supervisor XXXX whom provided reference number for call : XXXX. XXXX stated that i could only get credit score if I paid for the score. She also stated that the FICO XXXX score is what is used for credit applications and was unable to tell me what model was used that calculated the XXXX score. She refused to put me in contact with her supervisor, XXXX.
Product: Credit reporting or other personal consumer reports

For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my XXXX XXXX account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.
Product: Credit reporting or other personal consumer reports

I requested that the fraudulent information to be removed because the information is not mine i am a victim of identity theft due to several data breaches. Nothing has been removed to remedy the situation.
Product: Credit card

An account was sold from one back to another. 

The original on-line payment method was no longer accepted by the new bank. The new bank did not contact us regarding the change or provide information as to how to pay balances. We did not receive a monthly statements from the bank regarding the new account. 

After a couple months, we were alerted of suspicious activity by a credit monitoring company. 

We made multiple attempts to resolve the issue at local bank branches. We were told the account did not exist. 

On XX/XX/XXXX, I located the account and called the bank. I was again told the account can not be located by the bank representative. After some conversation, the representative located the account.

The history on the account only reflected late fees and interest. The bank could not locate a charge associated with the interest and late fee. I asked for all late fees and interest be removed that accrued after the last payment.

The bank removed two late payments, and said they would send a notification of error to the credit score companies. 

I was called on XX/XX/XXXX and was told executive office had opened an investigation and I would be called back when the investigation had been concluded. 

On XX/XX/XXXX, I called the bank because I had not heard anything from the bank. After an hour on the phone, and speaking to five different representatives. I was told the the investigation was completed. The result of the bank investigation was mailed to me on XX/XX/XXXX. The person who conducted the investigations was in the office but was not prepared to discuss the findings. 

I was told the summary of the investigation did not address why the the local bank branches were unable to locate the account, nor why the bank had no records of successfully contacting us regarding the bank purchasing the account. 

In summery, a bank purchased a credit card account from another bank. They claimed to have sent a letter, but we never received the letter. The bank stopped accepting on-line payment for the account. We discovered the problem with help from a third party. The bank could not locate the account on our attempts to pay the debt. When the bank finally located the account, their response was to only provide the day this bank purchased the account and when they mailed a letter. 

It is my opinion this bank is collecting late fees of {$40.00} a month, by blocking the customers ability to continue their on-line payments. This bank is asking for over {$200.00} from us, because they failed to contact me, by mail or phone, and they denied our requests to pay the balance at a bank branch. I believe the bank 's actions are intentional. If they did this to half of the customers who had accounts purchased from the first bank, the new bank is making XXXX XXXX XXXX in late fees alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXX XXXX, the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.
Product: Debt collection

Wrote letter on XXXXX-2017 to Debt Recovery Solutions that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Debt Recovery Solutions to removed incorrect information off my credit report. More importantly, Debt Recovery Solutions are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Debt Recovery Solutions.
Product: Debt collection

I noticed derogatory remarks on my credit report from LVNV funding LLC account status open u see lending club as well then started receiving phone calls from resurgent capital services emails text stating it is on a pre legal track and will be 4 months away from going to attorneys then I sent debt validation letters to both companies which I received nothing in response I keep getting emails. With attempts to collect a debt Ive sent a cease and desist letter to both companies I have also sent letter to all three credit bureaus major credit bureaus to have these items removed from my credit and have not gotten any results I also requested under US code 1962 to stop all communication till the debt it validated which has not been I sent all the correspondence via certified mail so I have records so no compliance by either companies trying to collect debt after I have taken the necessary steps to validate and want the items removed from my report under the fair credit act I have rights to everything I requested and have not received a thing from
Product: Checking or savings account

My name is XXXX XXXX. I am a XXXX man who had a XXXX which left me with limitations on verbally speaking. I tried to access my funds around XXXX of XXXX and I was told my account is frozen and being handled by the fraud detection department. I was told to wait for a letter in the mail. I have received multiple letters which advise me to call the number on the letter. Each time I call they tell me I need to follow the instructions on a different letter which I have yet to receive. I sent over copies of all my identification via certified mail XXXX. I went to the Citi Bank branch located on XXXX XXXX XXXX XXXX, NY XXXX to attempt to resolve this issue. I currently reside in Florida and needed to take a flight to NY to attempt to resolve this issue. I brought my identification cards, phone bills, and social security card as proof of identification. XXXX XXXX XXXX is the person who assisted me in opening the account and the person I met with on XX/XX/XXXX. She explained nothing could be done I need to wait for a letter. She made an attempt to call the branch in XXXX XXXX, Texas where they told her this matter can not be handled over the phone and I need to wait for the letter in the mail. I spoke to them personally on the phone several times including this day and they stated that I need to wait for another letter. They would not even verify my address over the phone. I currently have {$34000.00} frozen in my account with no near in sight. Any assistance in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am a victim of identity theft. I requested that this account was blocked ( XXXX XXXX XXXX XXXX  ) This information did not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Transunion has failed to remove this from my report in the according to the following ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Consumer Loan

My account statements do not reflect proper amount owed and payments are not being applied to my principal correctly even after contacting relevant parties directly to correct these issues.
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 ( 5 ), 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XX/XX/XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XX/XX/XXXX which is why I paid {$62.00} to catch up and I also paid again in XX/XX/XXXX. So I made a total of 3 payments in XX/XX/XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX  has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XX/XX/XXXX and that's why I paid $ XXXX monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Under the Fair Credit Reporting Agency, Experian violated my rights. I disputed account XXXX because it contains adverse items on my consumer report which under 15 U.S. Code 1681i ( a ) Information excluded from consumer reports- Procedure in case of disputed accuracy- ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Account XXXX contains late payment information which are adverse items. 

In addition Experian violated 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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- Procedure in case of disputed accuracy. Experian stated in CFPB Complaint Number XXXX-Response stated that no accounts existed on my Consumer Report. Experian did not provide a complete investigation of claim because as of XXXX XXXX accounts Experian accounts are being furnished. I have mailed Experian a copy of report and attached a tracking number to ensure Experian has knowledge of violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ 4,000+ balance for an account that is n't mine. Initially XXXX removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me XXXX looked into this and confirmed. They need to remove this fraudulent account.
Product: Debt collection

Home Depot  sold an account to  XXXX   XXXX   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  XXXX   XXXX . I have made all  XXXX  credit bureaus  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  aware of this matter, yet they continue to report inaccurate information on my report. This matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accessed my credit report and shows that my score has gone down 29 points. 1. Incorrect addresses that I have previously disputed 2. Collections account that I have disputed and reported as fraudulent, 3. Hard Inquiries that I have previously disputed AND 4. Former employers that I have disputed. After the last dispute is this what EQUIFAX does, starts to add old XXXX that was prev8diaputed and things out of no where?!?!! This is XXXX me off and affecting me as I continously stress I HAVE XXXX XXXX and this is NOT good. What the XXXX is going on? I say that XXXX was the cause of my first hospitalization and EQUIFAX looks they are in competition to put me back. If this is funny, it is not done me especially losing the use of XXXX i.e. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc.
Product: Debt collection

My wife 's debt is in collection, but they call me ( husband ). XXXX time they called I asked for a letter of verfication of debt. The person started explaining about how credit will affect buying a car or a house. I insisted on them sending me a verification of debt letter. They have our mailing address, but continue calling me. We have not received anything from them " Portfolio Recovery Associates ''
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX, submitted to your agency onXX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX How many times must I address these inquiries with your department? I am aware that these creditors have their own internal fraud procedures, but I must ask : who permitted these creditors to access my credit file without my consent? It was Equifax, not them. Therefore, Equifax is ultimately responsible for these inquiries occurring in the first place. Your failure to handle this matter diligently reflects poorly on your performance.