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

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given WAKEFIELD & ASSOCIATES I prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, WAKEFIELD & ASSOCIATES I, XXXX, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.
Product: Credit reporting

All three XXXX bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.
Product: Checking or savings account

they did not send information regarding my direct deposit being delayed apparently they have suffered a programming issue with their provider and they refuse to give a time line or what had happened, they did not send a message until 24 hours after i was suppose to receive my direct deposit and when you try calling they do not answer just saying they are busy with other calls, their XXXX account just has the same message saying may today or maybe tomorrow the issue will be resolved.

i still havent received a clear time frame of when my money will be posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the ownership of an account with XXXX XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.
Product: Debt collection

False debt. Company never sent or emailed any damages or etc. I did not receive my deposit back from them either and they did not tell me why.
Product: Credit card or prepaid card

Synchrony Bank has no transparency in payment allocation and customers can only request specific payment allocations by calling Customer Service after the payment is received and within the same month it is posted. The hold times to speak with Customer Service can exceed an hour and you have to go through multiple prompts from their automated system to get through! Today, I contacted Synchrony Bank regarding my CareCredit credit card account because, although I made extra payments to avoid pending interest, it was accessed for a promotional purchase for {$630.00} that expired on XX/XX/2023. I spoke with an account manager, XXXX, who indicated that closed transactions fall out of their system immediately, so she couldn't see what the payments made on XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$250.00} ), XX/XX/XXXX ( {$150.00} ), and XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$110.00} ), or XX/XX/XXXX ( {$100.00} ). 

I have another promotion expiring in XX/XX/2023 and they are not posting payments to it. Payment allocation isn't included on statements, you can only determine how payments were posted by comparing multiple statements and trying to calculate the difference in balances on multiple transactions, so you are left guessing if your calculations are correct.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting

I attempted to retrieve my annual free credit report from Experian and XXXX via online. XXXX online services will not yield a free credit report for me. XXXX refused to yield a free online credit report for me.
Product: Checking or savings account

It must have been XXXX or XXXX. Someone attempted to deposit a check into my bank account after my debit card was stolen. I was not aware of this until Bank of America put a hold on my account due to this issue. I went into a branch a few time and was told that my account was closed and had a negative balance. I filed an appeal and was still turned down. In XXXX I could not open a bank account and decided that I would go ahead and pay the negative balance so that I could move forward with a new account at another bank. I did so and was never informed about a database that had my name attached to bank fraud. I didnt know about this until today. I called BOA and spoke with the fraud department and was advised that this matter was going to remain as it is and theres no solution to having it removed. I really dont know what to do. I have tried to explain that Ive never done any fraudulent activity with any banks. Im almost XXXX years old and I just want to open another account to manage my finances. Things have been very difficult for me because of all of this. It just seems so unfair that no one will listen or understand my position regarding this issue.
Product: Credit card or prepaid card

XX/XX/XXXX, wow I check my cashapp account to find that my account was {$150.00} over drawn. I had about {$6.00} in my account before but I could not find the reason as to why my account was over drawn. I call customer service they said we will escalate, the message I received back was call merchant dispute called. But again I dont know who the merchant is how much they are taking is this a scam etc. I have called them email them because my check goes into my account and I love paycheck to paycheck. If I owe it fine but tell me what I owe and why I owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Bankruptcy listed below is needed to delete from my Credit Reporting. 
XXXXXXXX XXXX XXXXXXXX Amount : $ XXXX XXXX : XX/XX/2017
Product: Payday loan, title loan, or personal loan

Goodleap is the loan company for XXXX XXXX ( formerly XXXX XXXX ) - the solar product is faulty and doesnt function as advertised. Goodleap promotes the company in their advertisements and service.
Product: Mortgage

In response to Selene Finance 's letter dated XX/XX/2024, allegedly Selene has paid all penalties and lase fees as well as XXXX tax payment, but this was not true. 

Selene never paid the XXXX late fee, as of today, the late fee is {$52.00}. 

Selene never paid XXXX property tax of {$2100.00} as stated in its letter dated XX/XX/2024 that the payment was sent on $ XX/XX/2024. Please see attached tax XXXX from XXXX, NJ The letter recommended me to speak with Selene but they always ignored me. I tried to communicate with XXXX XXXX, who was supposed to be the account executive for my loan at XXXX, but my request to speak with him multiple times was never answered. I am frustrated because Selene Finance illegally debited from my escrow account and not remitting the payment to the tax authority and making my loan delinquent and force me into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were NOT authorized. 

JPMCB CARD Date of Inquiry : XXXX XXXX, XXXX JPMCB CARD Date of Inquiry : XX/XX/XXXX JPMCB CARD Date of Inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigations 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 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 Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still unable to access my credit report on your website even after your reply to my complaint via the cfpb and despite my answering and verifying myself on the phone several times with agents. I have done documents through stupid links and i am now worried about the safety of my information and how it is handled. I want access to my report as it is my right. 

please do not just close without resolving the issue or reaching out to me about the issue and fixing it
Product: Credit reporting or other personal consumer reports

XXXX is violating my right to privacy and I have elected to opt-out of any future credit reporting especially negative items currently on my report. I was denied credit by PenFed. They are in violation of 18 U.S. code 1028 Fraud and related activity in connection with identification documents, authentication features and information ; 15 U.S.Code 6802 Obligations with respect to disclosures of personal information ; 15 U.S. Code 6801 Privaty Obligation Policy ; Can't produce Social Security Release Consent forms. ( SSA-3288 ) with my signature ;! 5 U.S.Code 1691 Congressional Findings and Statements of purpose:15 U.S. Code 1681a Defintions rules of construction ; 15 U.S. Code 1681b ( Permissible Purposes of Consumer Report ) 18 U.S. Code 8 Obligations or other Security of the United States that all debts public and private is settled by the United States : Texas Penal Code Sec . 32.53 and Texas Penal Code 32.51
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion illegitimately assumed the role of reporting information about me. I've reach out to Transunion ; in attempts to resolve their careless and XXXX actions ; amicably and out of court more times than I've kept record of ; via telephone and XXXX XXXX MAIL tracking numbers : XXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Transunion purposefully continued to commit fraud. Transunion unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Transunion committed XXXX  identity theft against me Their actions put me at risk further of identity theft. Transunion also willing directly violated the XXXX XXXX XXXX, XXXX XXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Due to Transunion lawlessness I've XXXX XXXX financial injury and grave XXXX XXXXl. I've been denied extensions of my own credit in excess of well over {$XXXX} ( XXXX XXXX XXXX Dollars ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  have complied with my block request. Equifax refuses to comply with my block request. They refuse to move the listed accounts from my consumer report.
Product: Debt collection

To Whom It May Concern, I am writing to formally complain about Genesis Credit Managements continued collection activity on a fraudulent debt, despite their assurance in response to my previous CFPB complaint ( # XXXX ) that they would cease all collection efforts. 

The fraudulent account in question remains reflected on my credit report, even though I provided substantial evidence proving that I am not responsible for this debt. Genesiss failure to honor their commitment to cease collection activity is causing ongoing damage to my credit and financial well-being. 

This account, which stems from a property I have never lived at ( The XXXX at XXXX and XXXX ), is entirely illegitimate. I have repeatedly communicated with Genesis and provided documentation proving that this is a case of identity theft. However, they have not resolved the issue and continue to report the account to credit bureaus, violating both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The continued reporting of this fraudulent debt is a clear violation of : 1. FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibiting the reporting of information known to be false.

2. FDCPA, 15 U.S.C. 1692e ( 8 ) Prohibiting the collection or communication of false information regarding a debt.

Genesiss conduct is unacceptable and directly contradicts the resolution they agreed to in response to my prior CFPB complaint. I request that the CFPB take immediate action to enforce their compliance and ensure that this account is permanently removed from my credit report. 

Thank you for your assistance in this matter. Please let me know if you require any additional information or documentation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have not received a direct deposit neither a debit card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to pull my own Equifax credit report, but my online acces to do so has been restricted.   Even when I pay to access my Equifax credit report online, I am only provided my old information.
Product: Mortgage

I was applying for mortgage loan, on wells Fargo bank, with XXXX XXXX XXXX, cell. XXXX, after sent all documents that he need, I got approved loan, but, at the end they sent me another requirements : 1.- We need a letter from your employer verifying that you are able to work full-time in XXXX XXXX, FL XXXX And it will not affect your current position and income. The letter must come from your employer XXXX Please send the last pay stub you received from XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I couldn't load these documents, because I dont have that documents because I am a traveler worker and I work around east coast of United States, and these last years I was working from XXXX to XXXX. 
on XX/XX/XXXX, they called me to ask about these requirements, and I answered I don't have that documents, and he said, that he will ask underwriter, on XXXX  XXXX I got email from XXXX, where said " as you requested, we've cancelled your loan application listed above. this loan is no longer active in our system. 
I called XXXX, telling I did not give up the loan, I never sent any document cancelling the loan, I need a denied letter to get my many back ( {$11000.00} ), but he do not want to fix that.
Product: Credit reporting or other personal consumer reports

XXXXXXXXXXXX XXXX XXXX Delete Hard Inquieres, Unauthorized
Product: Debt collection

This account was opened in XX/XX/ XXXX it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and still noticed that I had collection/ charge off on an account that I never made has in collection for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been in collection for account ( XXXX ) ( XXXX ) Please investigate and provide proof with stamens showing that these accounts was in collection or never been paid. If proof can't be provided I demand these payments or collection be updated to on time as they should be as NEVER late or collection or remove this account from my credit report. thanks.
Product: Credit card

I called TD Bank where I hold several accounts to apply for a line of credit with their Visa card. I specifically told the representative that I wanted to do XXXX balance transfers. He said that " would be no problem '' and " even if the line of credit does n't cover the balance transfer amounts, they would approve it '', " do n't worry about it ''. The call was recorded. They proceeded to approve me for {$5000.00} line of credit which did not cover the balance transfers. Assured me they would approve these transfers, and proceeded to end the call. I called 7 buisness days later to find out, the balance transfers were rejected, but I had an open line of credit for {$5000.00} with a high APR. The balance transfers are 0 % APR. When I brought up the complaint, I spoke to a supervisor, and was told the matter was " being looked into ''. I now have to close an account I will not use and they ran my credit with assurances that I would have my balance transfers accepted. The supervisor ID that was handling the matter was # XXXX on XXXX XXXX and XXXX XXXX # XXXX. The matter is still being looked into as the conversations were recorded. In conclusion, I opened a credit card with false pretenses, which later I had to cancel and does show up on my credit report. As noted above, I was able to obtain employee ID numbers of everyone I spoke to. When I called my third time to close the account and inform them I am filing a formal complaint with CFPB, the employee would not offer me his employee ID number. Only name and extension.
Product: Debt collection

G.C. Services Limited Partnership XX/XX/XXXX : $ XXXX Actions taken by me : Debt Consolidation Company XX/XX/XXXX The company sent a letter and contacted me via telephone. 
I've already informed the company that I am not working, and to stop calling. The debt consolidation company is the best route for me at this time, to pay them. There is no need to harass me, or to contact any of my family and friends, against my will.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX