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

XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.
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, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, 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 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.
Product: Debt collection

This is Note to Synchrony bank. I wan na be clear and understandable, Synchrony bank has Ignore every piece of paper I have send, and all writing letter to the Synchrony bank. I have Placing, the NOTICE TO CEASE AND DESIST LETTER. WITH MY UCC-1, with my private security agreement. 
File XXXX # XXXX.THAT WAS Enough. Breaking my secret agreement I had enough with synchrony bank., XXXX the do has my trade name copyright. XXXX XXXX XXXX. 
My cell phone number is a private property my name is a private property I have put a warning they ignore the warning what is next, is action to put a lawsuit against them. I have enough evidence to back my claim. I can not deal with synchrony bank anymore, They are not respond in respect my privacy. they have Break the uniform commercial code. I can charge Synchrony bank for every action they have make.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is by me XXXX XXXX for the record being that Ive disputed this account with XXXX  and it came back as them thinking its from a third party which its not. I will attach documents showing to prove it is myself along with a picture of me. Again i am disputed this account fir the inaccuracies and violations which I would like for it to be removed. Below will be my reasonings As Ive previously stated before this was thought to be a third part Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on experian shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with experian and XXXX  by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On Trans Union this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  ( XXXX ), Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. 


As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX charge my account in my name with a fraudulent charge and sent it to collections. The charges were not validated, and I didn't permit them to report any debt on my behalf. I need them to provide proof or to removed this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my Experian consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have a judgement on my credit report that i was unaware of from a credit card company ( XXXX ) in XXXX they tells me they could not find me so they went and put a judgement on me, how 's that posisible? also a foreclosure is showing on my report. all this somehow from the ( sale of my home in XXXX XXXX. ) the judgement in XX/XX/XXXX-the foreclosure in XXXX XXXX mind you i sold the house in XXXX XXXX and moved from XXXX to XXXX with fordwarding address with the post office. why could they have not been able to find me? ( XXXX ) now i have deregotory things on my public records section of my credit report that is inaccurate and is keeping me from buying another home, after lossing my employment in XXXX, after 3 years i had to sell my home. how do i clear this up?
Product: Payday loan, title loan, or personal loan

We tried to payoff our loan on XX/XX/XXXX. The payoff amount listed on their website stated for that day was {$2300.00}. It stated that the online payment was disabled and we needed to call to make payment. The representative told us a payment was already processing for {$320.00} for the following Monday XX/XX/XXXX and that we would have to call back that Monday to get the payoff amount for that day. We called back twice to talk to them more on why we could not pay off our loan and we were hung up on. I called our bank and the said they saw no payment pending on our account. We feel that they would not let us pay off our loan so that they could make more money off the interest that would accumulate over those three days.
Product: Money transfer, virtual currency, or money service

Transaction date XX/XX/2021 Money was not available in beneficiary account, Contacted Chime Inc/Sendwave for a reversal as the beneficiary was not able to get the money, he stated the bank does not have a record of the transaction.

I have contacted the company severally via phone and email and they keep sending text messages they're working on it.

However the transaction receipt states I have a right to refund within 10business days.
Product: Credit card or prepaid card

On my XXXX XXXX credit card account with XXXX XXXX they reported late payments for XX/XX/2022 and XXXX of XXXX each showing 30 days late. These late payments are incorrect I made minimum payments of the amounts requested and the dates requested. When I referred back to the billing statements it shows the payments were made. 
Due to code 15 usc 1666 ( 2 ) ( b ) they need to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to comply with 15 USC 1681s-2 ( b ). XXXX is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

XXXX failed to conduct a reasonable procedure by their own industry standard of XXXX XXXX. XXXX failed the XXXX XXXX standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

XXXX failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. XXXX failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, XXXX has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n XXXX is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit card or prepaid card

XXXX XXXX Account XXXX Comenity Bank I have requested this account to be closed on XXXX XXXX, 2022. I paid the full balance due of {$35.00}. I received a reply from the company on XXXX XXXX stating they will not close my account until the full balance due is paid. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX Credit Account - Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told that this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX XXXXXXXX XXXX Account XXXX Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

This company refuses to close these accounts and continues to charge me {$2.00} per month ( their fee ) plus interest. In addition, they are reporting these XXXX accounts inaccurately to the credit report agencies showing I owe the full credit limit as opposed to a {$0.00} balance and the account was requested to be closed. 

I have filed a complaint with the XXXX XXXX XXXX  and received a " blanket '' response from Comenity Bank ( same response they have given to all their customers with similar issues ) that they are researching my concern. I have filed a complaint with XXXX disputing all three accounts which will remain open until XX/XX/2022. This company is affecting MY XXXX XXXX due to the fact that the unpaid balances are showing up as late. 

After several requests, they refuse to send me a letter in writing that my accounts have been closed. This company does not operate in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr company did a background check and the report is inaccurate. So I want to dispute the report.
Product: Debt collection

Last year in XX/XX/XXXX, I XXXX XXXX XXXX and went to XXXX XXXX XXXX  XXXX XXXX to fix the XXXX. My health insurance, XXXX XXXX XXXX, which I have through my university XXXX XXXX, did not cover the claim. Later on, I called to fix the issue, as it was understood that during the Summer Break I did not need a referral by my physician to get an x-ray or receive the care. The issue was resolved, and I was under the belief that I had already paid my full amount ( ~ {$140.00} ). 

A year later, I received a bill from XXXX XXXX claiming I owed {$190.00}. Immediately, I called XXXX XXXX XXXX to resolve the issue. In a three-way call with XXXX, XXXX XXXX, and myself in XX/XX/XXXX, it was agreed that I only owed {$30.00} because XXXX had made an error. XXXX XXXX agreed to send me a new bill for that amount, which I have been waiting on for a few weeks. 

Unfortunately, near the end of XX/XX/XXXX, I checked my credit score and noticed that it had dropped significantly as a result of a collections claim for {$120.00} from the First Federal Credit Control ( XXXX XXXX, XXXX ). I have repeatedly try to call him to dispute the claim, but after several calls and emails, I have never received a response. 

I contacted XXXX XXXX XXXX, who initially disputed the earlier call claiming I only owed {$30.00}. However, after contacting XXXX XXXX XXXX  billing department, they had proof that XXXX agreed to cover the majority of the claim and that I only owed {$30.00}. XXXX XXXX however did tell me that I needed to contact First Federal Credit Control to pay my {$30.00}, but they have been evasive and not answering my phone calls. As a student, my credit score is a major part of my financial security in the future, and I am very upset that it is currently on my record. I would've paid the current amount of {$30.00} in XX/XX/XXXX, but because of the mistakes made by XXXX XXXX XXXX, my credit scored has severely dropped.
Product: Mortgage

On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, VA ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XXXX XXXX  with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

Really need help getting Freedom Mortgage to sign off on the settlement since to our knowledge, it should have been completed before both sides signed. Freedom Mortgage has caused an unnecssary delay with regards to recording in court and funding. On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, XXXX  ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XX/XX/XXXX with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

We need help to get Freedom Mortgage to sign off on the settlement since to our knowledge it should have been completed before both sides signed. Freedom Mortgage has caused an unnecessary delay with regards to recording in court and funding. Please Help.
Product: Mortgage

On XXXX I got a letter from Flagstar bank saying my mortgage payment went up because my escrow went up due to my property taxes going up. Soon as I saw this I called both my county and city tax offices to check if this was true and both said my taxes went down. Last year this same mortgage bank tried this on me and had my payments sky high saying my escrow account was short and I had to pay extra to fix my payments. I went and got proof and sent it to them but it still took months for them and many hours and days wasted to fix the situation. Now I am back doing the same thing again. When I asked them for proof to email the changes the first time about my escrow they didn't provide anything. After I guess me calling so many times this bank started to hang up on me and leave me on hold for long periods of time. Also they didn't want to refund my money that was in limbo because I paid them extra after fixing my escrow account. I need help with this bank because this is too much to have to deal with again. My taxes went down and they are trying to take money from me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the address below but it is still showing on my account.I am not associated with them anymore XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

This is 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 items 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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance XXXX {$510.00} XXXX XXXX ( Original Creditor : XXXX MUSIC XXXX XXXX ) XXXX Balance : {$1800.00} Medical XXXX  Balance : {$1400.00} XXXX XXXX  Balance : {$610.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Im a victim of identity theft. Someone opened a Bank of America checking account online using my name, date of birth, email address and SSN last night. I received three email alerts from the bank about my application for a new checking account getting approved without my authorization which proves that is an identity theft fraud. I have informed the Bank of America fraud department and they were able to close this new checking account but that is all that have been done. Im not sure if this person will continue to abuse my information therefore im raising an alarm to you about my identity being stolen. Please take appropriate action. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 claim was reported some items recovered at pawn shopXX/XX/XXXX XXXX dollars was paid out on this claim but on my report
Product: Credit card or prepaid card

I received an email on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card from XXXX/U.S. Bank and it offered a 0 % introductory rate for 15 billing cycles and {$150.00} cash reward bonus if {$500.00} was spent within the first 90 days for eligible purchases. I applied for this offer using the confirmation code provided and was approved but after using the card and meeting the terms my statement balance incurred interest for regular purchases. I reached out to U.S. Bank about my account and spoke to a representative that soon stated " this was not a bait and switch '' and shortly after I requested a supervisor. I was given no reason why my account reflected completely different terms and was told that more information was required and anything to support my claim should only be faxed or mailed. I faxed the documents on XX/XX/2022 of the email offer which even had the confirmation code included to Card Member Services and confirmed it was being reviewed. Next I told my request for this to be corrected to the intial agreement had denied and a letter stating this along with different terms was being mailed. Over the period of two weeks speaking to four supervisors and multiple agents there was no resolution for me and I was told they would not honor the terms offered and nothing further could be done. Finally the company maintained the claim I was at fault and my only option would be to except that my account will accumulate interest and I will not be receiving the {$150.00} that was offered and I agreed to when signing up for this specific and offer.