23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX called into my place of employment. I asked for the name of the company. female hesitated and went on with call as though she did not hear me. I asked again she finally reveled where she was calling from. I then told her that I am not to receive calls at my job. I asked that my number be removed. she laughed and said no. However she didnt know that the whole call was being recorded
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 XXXX 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: Debt collection

Synchrony Bank is charging me for a credit card I did not ask for, apply for or receive. They demanded that I pay and damaged my credit score when I would not pay. 

On XX/XX/2022 I paid the full amount {$160.00} and demanded they cancel the account. Today I received an ebill for {$83.00}. Where does this stop, who holds these people accountable for ongoing fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a complaint with Owen Loan Servicing ( my Mortgage holder ) because I noticed on my credit report that they were not reporting to XXXX or XXXX, only to XXXX. Since I have an account with XXXX to monitor my credit for fraud, it was easy to get a report. I pulled my credit because I was refused, many times, for simply credit, like XXXX XXXX, XXXX XXXX, XXXX XXXX and even a business loan through XXXX XXXX  due to no credit history. Since XX/XX/2018 I have filed many more complaints. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again in XX/XX/2018. To date, Owen insists they are reporting to all four credit bureaus and even sent me a confirmation number that none of the agencies can do anything with. I have confirmed with the XXXX & XXXX that Ocwen is still not report. This problem is affecting my life!!! Most companies check the credit bureaus other than XXXX and that is the only credit bureau that has any evidence that I have had a home loan for 16 years ... at the rate of {$4900.00} per month ... always on time. My credit score is XXXX but I can't get a credit card. PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

MY LEGAL NAME IS - XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 

MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE CORRECT ANY ERRORS. 

MY PHONE NUMBER IS ( XXXX ) XXXX PLEASE REMOVE THE ALL OTHER NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE ( XXXX ) XXXX PLEASE REMOVE ANY EMPLOYERS LISTED ON MY CREDIT REPORT THEY ARE NOT MINE. 
XXXX XXXX XXXX XXXX XXXX THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Sent first dispute letter on XX/XX/XXXX, company responded XX/XX/XXXX, I responded back XX/XX/XXXX asking for them to cease and desist collection efforts, remove inaccurate debt from credit report and send check in the amount of {$1000.00} for statutory damages that I am entitled to under 15 U.S.C. 1692k ( a ) ) They ceased and desist collection efforts and removed inaccurate debt form collection report but failed to send check for statutory damages which I am entitled to for their violation.
Product: Checking or savings account

I had a direct deposit set up with the company I work for and my funds were split between two bank accounts and chime bank. Has claimed that there were no funds available the day of my payday and that it would be there by the end of that day. Saturday rolled around it was the. Next time I called the next time the agent informed me it would be early Monday morning. Monday morning came I checked and no funds were there. So I called and the supervisor told me that there was no direct deposit at all and no funds were sent. But it showed that the funds were sent from my employers payroll department. And it holds true because my other bank received it and it was deposited. They bother were done at the same time. I feel like they pocketed my paycheck because. Who knows why. But it is definitely fraudulent and sketchy. If you ask me. I work hard to provide for my family. The exact amount was {$910.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States | 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 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

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash, I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment, I went into the local branch to clear up my mistake. I received a lecture from an account representative, paid the money that I owed, and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter, I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported " XXXX '' on XXXX/XXXX/13 and the closure status is " not reported. '' This is on my credit report, is keeping me from opening a bank account, and simply not right considering I was told there would not be anything reported in regards to banking or me. Granted I know I made a horrendous mistake and I tried to make amends as quickly as possible. I wish it had never happened but it did and I do n't think I should have to continue to pay for this error especially when I was told I would not have to over 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, and I have been a victim of identity theft. Someone has stolen and used my personal information to open an account with XXXX XXXX XXXX on XX/XX/2016. I don't know how this person got ahold of my personal information but I am sure I have never given anybody my personal information nor have I given anybody to open this account on my behalf. I have tried to fix this with the credit reporting agencies as they're the only people still reporting this account to me. I have verified with XXXX XXXX  XXXX and have a letter confirming that this account doesn't belong to me but Experian is still reporting it to me and will not block and delete this account of my report, even tho all my documents are valid as stated by a supervisor in whom has requested these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Idenity theft XXXX XXXX XXXX/XXXX/XXXX Amount XXXX
Product: Credit card

I have had an account with Goldman-Sachs via Apple for quiet some time. I always pay my bill on time. I made a payment. My phone inadvertantly selected the wrong account for payment and the payment was decline ( rightfully so ), I immediately picked the right bank account when I learned the problem. The payment has cleard my bank so they have my money but the system identified my account for a hold. So they have my money and I am out of my money from my bank account but yet they are still holding on my account and I have MULTIPLE auto withdrawals from the account and they are getting declined b/c with the " payment hold '' even tho they have the payment, they are still punishing me when my payment was on time and has clearned my bank account. This puts me in a bind at a minimum very inconvenient and bad customer care but at worst I could have services interrupted and fees applied for declined payment and that this could get reported to credit beaureau when i did nothing wrong. They have my payment. This is an unfair practice and they should be told that they can not treat their customers this way. I called and spoke to the bank and they said this was " automatic and they canot undo it. '' I will not clear for another several days and they have my payment. Please address this.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands XXXX XXXX XXXX XXXX  Account I am filing a formal complaint against TransUnion, XXXX, and XXXX for falsely reporting a dispute on my husbands XXXX XXXXXXXX XXXX XXXX XXXX account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX XXXX stating that I had been removed from his account due to a dispute they received from the credit bureaus. 
To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. 
To address this matter, I have already filed complaints with : The Texas Attorney General The Federal Trade Commission ( FTC ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that TransUnion, XXXX, and XXXX correct their reporting errors and prevent further unauthorized interference in my husbands account. 
Requested Action : 1. Contact XXXX XXXXXXXX XXXX to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. 
2. Require TransUnion, XXXX, and XXXX to immediately correct their records and remove the false dispute notation. 
3. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. 
4. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. 
5. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Fraudulent accounts XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX Balance Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

Been my credit card account and relationship with DISCOVER card since XXXX and having a cero balance with them, on XXXX they decided without a reason, as far as I know to lower my credit limit from {$22000.00} to {$10000.00} even thought I respect they decision on XXXX they closed my account and the reason that they give me was that I never reply to an email that they had send me ( to a not active email address ), they also say that they had contact me via phone and left voice mail when I don't have a voice mail set up on my phone. I have try numerous time to clarify this misunderstanding with DISCOVER without luck, even the two representatives understand the mistake and they had try to reopen the account back but the system doesn't allow it, one of the representative had told me on XXXX that I would have to re-apply again to re-open the account and since I know my credit history and relationship with DISCOVER was excellent I decided to re-apply and they denied my application. On XXXX XX/XX/2021 I was able to speak with a supervisor and she had told that she was going to check recordings from XXXX to find out If a voice mail was left on my number, If not that she was going to reopen the account for me again, she told me that she was going to call me back personally, I never here from her and after two weeks waiting from her phone call I decide to call myself to follow up and they told me that she had call me the same day and left a voice mail when I don't have voice mail set up in phone and she knows that. I was able to get transcripts from my phone company ( XXXX ) for the month of XXXX and XXXX to verify those phone calls from DISCOVER and there is NOT phone call on either month. As of today my credit history is in EXCELENT condition with a score XXXX and a credit cards limits of {$110000.00} with 14 different companies and my credit card use under 5 %, the only bad think I have in my credit history is a " closed account '' from DISCOVER, a " denial '' from DISCOVER and an " inquire '' also from DISCOVER. To me this is been a very traumatic experience that in the middle of the worst pandemic of he century this company its been giving me the running around damaging my credit history and misleading me without a reason, I feel that they are discriminating me since they having give me a reason for all this.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint with these bureaus XXXX, XXXX, and Transunion to conduct disputes on my credit report for these following actions I'm about to thru attachments. It's been 90 days and I haven't heard anything back nor has there been any changes to my credit report. I just want these issues resolved so I can move on to further ventures with my credit. Please And Thank You.
Product: Debt collection

Cease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-308.4 Alleged Creditor : CAVALRY PORTFOLIO SERVICE LLC Alleged Account : XXXX Alleged Amount : {$5600.00} See the full letter in attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/202XXXX XXXX flagged my credit report for a major derogatory in regard to some association with a company called " XXXX '' for the original amount of {$1000.00}. This was done with no prior notice or contact with me in regard to the alleged charge. 

I have no knowledge of this account and do not even know who " XXXX '' is. Allied Collection Service has failed to validate this alleged charge despite my continued efforts to reach out via USPS XXXX Mail with Return Receipts dated ( XX/XX/2022 and XX/XX/2022 ). 

I reached out to all three credit bureaus about this issue on the week of XX/XX/2022 as well as the week of XX/XX/2022 and I feel they did not do their due diligence in investigating this matter. I still have yet to see any forms of supporting documentation tying me to this debt, however it has dropped my credit score over XXXX points and has become a massive issue. 

There is only so much I can do in regard to proving this debt was made up, yet it seems to be standing despite any sort of supporting documentation. 

I received a letter recently from Allied Collection Service dated XX/XX/2022 verifying '' the account, which was basically just a piece of paper with no supporting documentation that said the amount they allege I owe them. 

This has proved nothing, and I still refute any ownership of this debt. I am still waiting to see ANY form of documentation that ties me to this debt what so ever.
Product: Credit reporting or other personal consumer reports

Opened secured revolving credit account with XXXXXXXX XXXX in XX/XX/XXXX with {$500.00} deposit. Two monthly payments were returned by bank and both payments were resubmitted to cover entire outstanding balance immediately after being returned. Asked that XXXX close account in XX/XX/XXXX and return security deposit. I never received any deposit refund, XXXX kept the deposit and failed to report all my payments instead charging off account inaccurately and has reported this on my credit report with all XXXX  bureaus since XXXX negatively impacting my credit. Have disputed with no result besides any and all my payment history with XXXX being removed from my credit report and dates changed falsely reporting the wrong dates and account I can not access is showing as having an outstanding balance. Still no refund for deposit of {$500.00} and now my credit report states the card was with XXXX XXXX instead of XXXX XXXX. No resolution with company after numerous attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX {$700.00} was taken out of my account and I cant get an Answer since XX/XX/XXXX spent Many hours on the phone with no answers from customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX and Equifax it has an open date of XX/XX/2019 and on XXXX its XX/XX/2019. It also shows a credit limit of XXXX on XXXX and XXXX but XXXX credit limit on Equifax. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.