23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I currently have a personal loan with TD Bank for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at TD Bank on XXXX XXXX, 2020 advised there was a computer glitch and TD Bank caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. TD Bank did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my XXXX Credit Report on my own accord.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of XXXX  ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. 

The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. 

Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX 

A debt is being reported under my name, and I have no idea of what Synchrony Bank is- I have not ever had a bank account with this bank or a Synchrony Bank credit card. 

My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX XXXX XXXX XXXX XXXX  thus this could have possibly contributed to someone having my personal information in which to open this account. 

However, I have requested a contract, or actual documents but again ; XXXX XXXX XXXX has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ending in # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I identified several violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws affecting my credit report and personal information. Specifically : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without verifying its accuracy, constituting willful negligence.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ) : I was not informed about my right to opt out of sharing personal information, a clear violation of my rights.

Furnishing Deceptive Forms ( FCRA Section 623 ) : Inaccurate inquiries and accounts were reported on my credit profile without proper validation, misrepresenting my financial history.

Debt Collection Violations : There were unfair practices, such as reporting debts without consent and sharing information with third-party agencies, which caused unnecessary stress and harassment.

Deceptive Reporting of Late Payments : Payments were marked as " late '' without clearly defining the criteria for late payment, leading to inaccurate reporting.

Finance Charge Miscalculations : Finance charges were reported inaccurately, violating financial accountability standards.

Improper Use of My Credit Report ( FCRA Section 604 ) : Information was reported without my consent, breaching permissible purpose regulations.

To address these issues, I requested the removal of incorrect personal information and inaccurate or unauthorized accounts. I cited specific laws, including civil liability for negligent noncompliance ( 15 USC 1681o ) and the requirement for proper debt validation ( 15 USC 1692g ).

My letter is a formal demand for immediate correction of these errors. Should these matters remain unresolved, I intend to pursue legal remedies under the FCRA and other applicable laws.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute inaccurate information appearing on my credit report for accounts with XXXX XXXX XXXX and XXXX XXXX. For the past two years, all three major credit bureaus ( Equifax, XXXX, and XXXX ) have been reporting incorrect information about these accounts. 

I have contacted both XXXX XXXX XXXX and XXXXXXXX XXXX  on numerous occasions to address these discrepancies. Unfortunately, these attempts to resolve the issue have been unsuccessful. The reported information includes inconsistent late payments and account statuses that do not match reality. 

I request your assistance in having these inaccurate entries removed from my credit report as soon as possible. 

Thank you for your time and attention to this matter. 

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

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Debt collection

Dear collection agent, I noticed a negative reporting on my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from Elevate Recoveries LLC, but I am unaware of the amount due and your crediting reporting does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXXXXXX XXXX Hospital and/or give them authority to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Mortgage

After opening my XXXX XXXX with Huntington Bank, the payments have varied up to {$200.00} differences. I was told it is due to the difference in cycles such as XXXX had XXXX XXXX  and XXXX had XXXX XXXX. Then if I pay a different amount their system does not recognize the payment made, even if it was MORE than the amount due. When I call, I get different answers every time and different calculations. I understand rate changes on my variable rate. However, how can every month billing cycle have more days than the month? I think they are taking me to the cleaners and do not expect the general customer to understand. 

THE MUST BE INVESTIGATED FOR DECEITFUL PRACTICES! Thet could be doing this to so many people who think this is normal.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of erroneous accounts from my credit report. Can you verify the documents? Several listed accounts contain inaccuracies concerning reporting, amounts, and dates.
Product: Mortgage

My mortgage company is Carrington Mortgage and I am having issues with them releasing an insurance check. XX/XX/XXXX we found out we had a slab leak and the plumbing company came over to detect the leak and during the process they cut off hot water and and all the water pipes except one in the upstairs bathroom. XXXX XXXX put me in contact with field adjuster XXXX. He came over viewed the property sent results to XXXX XXXX the desk adjuster for XXXX XXXX. She in turn sent information to Carrington Mortgage Loss Department under loss draft # XXXX   and approved the claim with a checkXX/XX/XXXX Carrington has been holding the check for some unknown reasons. I have spoken with them and informed they are putting my family at risk because we are currently boiling water and carrying water up and down the stairs. They are withholding funds that have already been approved by my insurance company. Please help me-we can not go any longer without water. It has been over a month.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I informed XXXX of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in XXXX feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, XXXX. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, a notification on XX/XX/XXXX indicated a XXXX late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX  the various account have 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 with out my written instructions.
Product: Debt collection

Company has been calling my personal cell and work number multiple times a day. I submitted a complaint in XX/XX/2016for harassing calls and rude/threatening behavior from one of the female callers. I verbally notified them to stop calling ; however, I am receiving harassing calls once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report and trans union, XXXX XXXX XXXX want delete them. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Debt collection

In XXXX, I was referred by my primary health practionner for my XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I was invited by the facility for a visit on XX/XX/XXXX to discuss the colonoscopy procedure. I had a friendly discussion on the procedure with a physician XXXX XXXX XXXX at the facility on preventive XXXX XXXX procedures. 

To my surprise, I was sent a bill of {$220.00} afterward with no procedure done. Even the procedure done should be covered by my insurance as preventive. 

I called in the billing department where I was told first it was a mistake and they will take care of if internally. But I kept receiving the invoice. 

On XX/XX/XXXX I went to the facility myself where I was told to call Billing and ask to speak to XXXX. 
On XX/XX/XXXX I called in and spoke to XXXX. I was told it will be reviewed. 
On XX/XX/XXXX With no follow up, I called and spoke to XXXX Billing Manager who promised to take care of it as my visit was informational. 
On XX/XX/XXXX I called in and spoke to XXXX XXXX Supervisor explaining the same issue On XX/XX/XXXX I spoke to XXXX again who promised to escalate the situation with the doctor and the billing department At that point, I gave up and told them I will not pay for their mistakes. My primary doctor XXXX XXXX at that time was not impressed with the approach and choose to find a different facility for me. 

But I am still being harassed by the collection agency XXXX XXXX XXXX XXXX to pay the amount since XXXX up to today. This is unfair to be billed for explaining the procedure Thanks for looking and stopping this harassment on me
Product: Credit card or prepaid card

I have a Lowes Store credit card by Sychrony bank. I have spoken to the bank regarding the below issue on several occasions but they keep declining to correct my statement balance to the correct one. I have sent them the below math calculation showing what should be on the account but with no effect. 
I bought at the XXXX XXXX MA store # XXXX a back-ordered refrigerator in the amount of {$1000.00} on XX/XX/XXXX. See the highlighted entry on the statement. Note my beginning balance on the XXXX statement was XXXX. I bought the fridge at XXXX plus some other items for XXXX and interest charge of XXXX and my ending balance was XXXX. This was correct at this point. 
XXXX Beginning Balance {$2700.00} Disputed fridge purchase {$1000.00} Other purchases and credits ( {$2.00} ) XXXX Ending Balance {$3800.00} See attached statement- CORRECT In XXXX, I made a payment to the credit card of {$270.00} ( net interest charge of {$30.00} ) and my ending balance was {$3600.00}. This was correct also. 
XXXX Beginning Balance {$3800.00} Payment ( {$270.00} ) Interest {$30.00} XXXX Ending Balance {$3600.00} CORRECT In XX/XX/XXXX, the refrigerator I had ordered in XXXX was not delivered yet ( remember it was back-ordered ). I went back to the store ( XXXX at XXXX, store # XXXX ) on XX/XX/XXXX and requested that this fridge order be cancelled. I attach herewith a copy of the return receipt ( Backup # B ). On that day, XX/XX/XXXX, the return was entered into my statement as a credit with a transaction date of XX/XX/XXXX and post date of XX/XX/XXXX, but for whatever reason, the original entry of XX/XX/XXXX ( same details as on the XXXX statement ) was also entered on the statement as a debit with a post date of XX/XX/XXXX. Meaning, the return was just a wash, a credit and a debit, no effect on the statement. NOTE THAT THE BEGINNING BAL IN XXXX STILL INCLUDED THE ORIGINAL PURCHASE OF XX/XX/XXXX. That same day, I ordered a new fridge that was available at the store for {$900.00}. Even though I made the return, my statement balance was not adjusted to remove the XXXX original purchase because in XXXX it was entered in and out, having a zero effect on the statement. Please note this math XXXX XXXX. ( XXXX Statement Backup # C ) XX/XX/XXXX WHAT IS THE STATEMENT RIGHT NOW- INCORRECT Beginning Balance {$3600.00} Disputed Fridge return ( {$1000.00} ) *1 Disputed XXXX CHARGED AGAIN {$1000.00} *2 New XXXX {$900.00} Other credits +Interest ( {$57.00} ) XXXX Ending Bal- INCORRECT {$4400.00} The correct entry on the statement for XXXX should have been : XXXX TO BE CORRECTED Beginning Balance {$3600.00} Disputed Fridge return ( {$1000.00} ) This amount in XXXX above should not have been charged back in XXXX since it was already charged on the XXXX XXXX It should be removed. My correct balance as at end of XXXX should have been {$3300.00} New Fridge {$900.00} Other credits +Interest ( {$57.00} ) CORRECT XXXX Ending Bal {$3300.00} I have spoken to the bank several times on this, but they keep declining to correct my statement balance to the correct one by removing the extra charge in the XXXX statement.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just found unauthorized inquiries on my credit report this morning, and I have no idea how they got there. When I reviewed my credit report as I normally do, these discrepancies appeared unexpectedly. I even refreshed my browser to rule out a glitch, but the inquiries didnt disappear. This situation has left me extremely frustrated, and I demand that the documents I submitted be thoroughly reviewed to prevent such issues from happening again.
Product: Student loan

I cant get them To stop calling at least three times a day for the last four months while I been in financial hardship. Harassment at its finest and my caller ID is full from calls as well as my answer machine.
Product: Credit card

Request your assistance to get my Kohl 's charge account credited for an on-line order that was never received. 
XX/XX/2017 - Ordered a neckless from Kohl 's web site -- total cost {$1000.00} XX/XX/2017 - Received email from Kohl 's advising me that my order had shipped. Made several attempts in the next few days to track movement of my order, however no movement was showing on the shippers site. 
XX/XX/2017 - Contacted Kohl 's customer service to determine the status of my order. 
XXXX - Received an email from Kohl 's customer support ( XXXX ) stating : 'I have checked on the above mentioned order number and found out that the delivery is still being process. We are still hoping for the possibility for the package to be delivered. Please allow some time for the carrier to deliver your package on or before XX/XX/2017. If you still did not receive your package by that date, kindly contact us so we can further assist you. ' On or about XX/XX/2017 - Received XX/XX/2017 bill - Kohl 's billed me for the bracelet that I never received. Although I never received my item I was forced to make the minimum payment to avoid a hit on my credit report. 
XX/XX/2017 - Spoke with Kohl 's customer service to complain about being billed for an item I never received and requested my order be cancelled and my account credited for the purchase price. Was advised that my account would be credited. 
XXXX - Credit had not processed. Contacted Kohl 's customer service again, ( XXXX ) requesting to have my account credited. XXXX advised me that she would get my credit posted. I also asked to speak to a supervisor. I was forwarded to a voice mail and left a voice message requesting to be called back. Kohl 's never returned my call. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again and asked to speak with a supervisor. Spoke with XXXX about my issue and he assured me my account would be credited within 24 to 48 hours. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again, spoke with 1st line supervisor XXXX, to address my issue and to stress how upsetting it is to be billed for something that I never received. Also expressed concern that the XXXX bill will be issued in the next few days and Kohl 's would not only bill me for the non-delivered item, but charge me interest as well. I also asked to speak with his supervisor. He told me his supervisor was working other issues, but would definitely call me back with two hours. I never received a call-back.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX