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

XXXX is the account. I had 1 card with them credit amount was {$300.00}. It went into default in XXXX for amount on my credit report of {$380.00}. They put that as a derogatory mark on my credit, which I understand that. But EVERY month since XX/XX/2023 they've been putting a derogatory mark on my credit and changing the amount to be higher and higher to the point it says that the latest is $ XXXX. I spoke to someone there who never really gave me an answer as to why they're doing this. I was trying to build my credit back up and this company keeps hitting my account and dropping it every month that it looks like I don't pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX with XXXX XXXX XXXX XXXX ( original creditor : 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 an account without my written instructions
Product: Credit card or prepaid card

This is in regards to my previous complaint XXXX for which i was not provided a fair resolution. 
The greatest concern from me is the last statement I received from Synchrony was on XX/XX/2020 and my promotion ended by XXXX of this year after which they started charging interest every month. After my complaint, I received a statement this month. So for the entire period when Synchrony charged me interest I did not receive any statement from them. From the beginning of this year I have been charged more than {$900.00} in interest. I received an email from Synchrony after this complaint to which I replied and called multiple times but no response. Since I had setup automatic payment, they kept debiting my account without any notification. I can provide evidence that I did not receive the statement for the entire period for which I have been charged interest. How could I possibly know of any interest that is being charged to my account without any statement that is being sent to me. I would expect the entire interest amount to be refunded which is the apt and fair resolution in this matter.
Product: Mortgage

I filed bk when my son got sick and I needed medication to keep him alive. I did not pay on the 2nd mortgage only on the first. The second mortgage raised the interest rate and I can not pay the higher amount. 

I asked for a modification and I was denied. I want to keep my home.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXXXXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX  XXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter was sent ( by mail ) : XX/XX/XXXX They have not got in contact with me since and I still have this on my credit TOYOTA MOTOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Unauthorized inquiry to my consumer report ; demand {$1000.00} settlement To TOYOTA MOTOR CREDIT You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. for unlawfully obtaining my XXXX XXXXonsumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A shall not use or obtain a consumer report any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified by section 1681e of this title by a prospective in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 XXXX XXXX  XXXX. XXXX ). 

I have not initiated any transaction with TOYOTA MOTOR CREDIT. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TOYOTA MOTOR CREDIT for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

As a result of you unlawfully obtaining my consumer report without a permissible purpose, you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. 1681n ( a ). 

For the sake of the judicial economy. I am willing to settle this matter without any admitted liability. I offer a full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above within 14 days of receiving this demand. 

Please be advised that I am prepared to litigate this matter if you do not comply with this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX  Office.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Today is XX/XX/year>. 

XXXX 's servicing company 's response letter to my complaint is totally unacceptable. 

1. My wife XXXX 's bankruptcy was declared more than 10 years ago. It should not be affecting her today. 

2. I believe that XXXX servicing company is dealing in bad faith and engaging in unfair business practices. 

3. I need for CFPB to contact XXXX CEO, XXXX XXXX who is the owner of my mortgage. XXXX is just a servicing company who has a very shady reputation. They need to report my mortgage payment history to my credit bureaus. 

4. Am I being discriminated against because I am XXXX, a XXXX Veteran or is it both? 

Please assist me in getting this issue resolved in a fair and acceptable manner. Thank you. 

XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. 

Telerecovery ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. 

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Product: Mortgage

I was charged legal fee for a attorney but they can not give me details on what the what the attorney did. I also hired a attorney and my attorney did all the work. Was told by the banks attorney to just send him all the information to approve. His fees was {$8200.00}. I have requested exact details on what the attorney did and was sent the same court documents that was sent to me by the court. No proof of what the {$8200.00} went for. I have emails showing the banks attorney did nothing. When asked about if they hold the attorney to a standard was told no they get a invoice and they pay it and I was responsible for paying the bill. When I pointed out that their attorney almost settled for {$14000.00} when cost to remediate the damages was over {$60000.00} was told that it was not their issue. Mr. Cooper did not hold their attorney to any standard and let the attorney charge for doing nothing. In addition, I was never told they hired a attorney nor did the attorney contact me to find out information on how the imminent domain case impacted the property. I do not feel I should pay for both attorney fee.
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX XXXX XXXX XXXX ( Fraud applicant ) XX/XX/XXXX - Target RedCard ( Fraud applicant ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Fraud applicant ) XX/XX/XXXX - XXXXXXXX XXXX XXXX Fraud applicant )
Product: Credit reporting or other personal consumer reports

I tried to purchase a vehicle & was denied to learn the reason is because i have damages on my report however i have accounts on my credit report that i did not open or have no knowledge of under the 15 U.S.C 1681 law there shouldnt be any damages to my report thats a deformation of my character. 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 iq data international XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank debit card was compromised and unknown persons stole {$9900.00} from my personal checking account AFTER accessing another account and transferring {$10000.00}. 
They stole the amount in 16 different withdrawals using an XXXX debit card. 

It's beyond my understanding how they could have done this and currently working with Wells Fargo Bank.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the + XXXX-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Product: Checking or savings account

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account, after I had everything in place, due to identity theft, to prevent this -- - specifically accounts were deactivated and disabled. ( XXXX ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( XXXX ) Complaint. 
-- -- As Follows -- in order : -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$200.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX. - {$250.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX - {$250.00} -- XXXX - Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX  - {$250.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$250.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX {$200.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$400.00} -- XXXX Recurring Payment Authorized on XX/XX/XXXX XXXX. - {$100.00} -- XXXX -- XXXX XXXX XXXX XXXX. - {$8.00} -- XXXX -- - Card Claim Reversal of Provisional Credit XXXX. - {$480.00} -- - XX/XX/XXXX -- - XXXX XXXX XXXX. - {$360.00} -- XXXX -- - Wells Fargo Card XXXX XXXX - {$500.00} -- XXXX -- - XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX - {$19.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$200.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$500.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$200.00} -- XXXX -- XXXX XXXX XXXX XXXX XXXX. - {$25.00} -- XXXX -- - XXXX XXXX XXXX XXXX. - {$100.00} -- XXXX -- XXXX XXXX XXXX XXXXXXXX XXXX. - {$300.00} -- XXXX -- - XXXX XXXX XXXX  XXXX. - {$500.00} -- XXXX -- - Non-WF ATM Withdrawal on XX/XX/XXXX. XX/XX/XXXX. - {$300.00} -- XXXX -- Non Wells Fargo ATM Transaction fee. - {$2.00} -- XXXX -- Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00}. 
-- XX/XX/XXXX -- - Non WF ATM XXXX XXXX. - {$2.00} -- XXXX -- - Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$65.00} -- XXXX -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX - {$56.00} -- XXXX -- - XXXX authorized on XX/XX/XXXX XXXX  XXXX. - {$47.00} -- XXXX -- - XXXX authorized on XX/XX/XXXX XXXX. - {$98.00} -- XXXX -- - Overdraft Fee for a transaction posted on XX/XX/XXXX. - {$35.00} -- XXXX -- Overdraft fee for a transaction posted on XX/XX/XXXX. - {$35.00} -- XXXX -- - Overdraft Fee for a transaction posted on XX/XX/XXXX. - {$35.00}
Product: Credit reporting or other personal consumer reports

This is not a mistakeI need urgent attention on this matter. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This has been a recurring issue, and despite my efforts to have it corrected, it remains unresolved. Additionally, my personal information is incorrect, which is leading to these unknown and inaccurate accounts appearing on my credit report. This situation is extremely concerning, causing me unnecessary stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports.This creditor has reported a late payment XX/XX/2020 to my report. Which is incorrect and I am asking this to be deleted immediately.
Product: Credit reporting 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 any ITEMS 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. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

This is a complaint against : Credit Management , LP Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX https : //www.creditmanagementonline.com/contact On XXXX XXXX, I received the attached statement ( alleged debt letter XXXX and XXXX ), dated XXXX/XXXX/15. It is the first and only contact from them. It was for a XXXX debt owed by a person with a similar but different name, and I have never had a XXXX account. This is not my debt. I have already contacted them about this but do not yet have a reply. 

Further, prior to them contacting me about her debt, they made derogatory reports about me to all XXXX credit bureaus ( attached ). That is malicious, libelous, and a defamation of my character. I demand that they contact the agencies at once and have all negative remarks and accusations removed. 

Further, according to the Fair Debt Collection Practices Act, XXXX XXXX, Validation of debts [ XXXX XXXX XXXX ] : ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections ( failed to make these statements ) and are thus in violation of the Fair Debt Collection Practices Act. A full copy of the first and only contact is attached ( alleged debt letter XXXX and XXXX ) and shows that these were omitted. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people in the country with a name similar to XXXX XXXX received similar letters. They went rather wide by mailing XXXX to a person XXXX. 

They need to correct this at once.