23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Again and again TransUnion , LLC has purposely reported incorrect information on my credit report trying to ruin my credit score! This has been a long uphill battle with TransUnion , LLC and they are still not reporting things correctly! I have discussed these issues with TransUnion , LLC repeatedly only to be notified by TransUnion , LLC and their subsidiary XXXX that something else is being reported wrong! Here is the latest problem, on XX/XX/2017 i received notification from TransUnion , LLC and it 's subsidiary XXXX that my total reported account balance has increased by {$6000.00}. which effects my credit score! This is wrong! In fact my total account balance has decreased and decreases each update! TransUnion , LLC says it 's because the previous balance on all ( XXXX ) of my XXXX credit cards was {$0.00} and this is also incorrect! The first XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$1800.00} and the current balance is {$1800.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$3300.00} and the current balance is {$3200.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$970.00} and the current balance is {$910.00}. The total account increase of {$6000.00} is not right and needs to be removed!!! All of this has affected my credit score!! All of my points being removed while TransUnion , LLC constantly makes errors while reporting my accounts and balances need to be added back to my credit score! I want all of my points added back and the correct information reported! Please see supporting document that I 've uploaded for verification.. thank you!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that it has been reporting late payments on several accounts that I have NEVER been late on and have always paid on time the first account number is XXXXXXXX XXXX XXXX  XX/XX/23 and XX/XX/23 Accounts reported late Also I have discovered to accounts that are closed and I have no knowledge about these accounts, the first account is XXXXXXXX XXXX  close date XX/XX/23 The second account is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX account closed. 
Third account XXXX XXXX XXXX close date of XX/XX/23
Product: Debt collection

I am writing this complaint to inform you of the deceptive tactics that were used by two collection agencies that were collecting past due amounts for Synchrony Bank. 

The first collection agency is XXXX XXXX, who is collecting for XXXX. After missing some payments and receiving emails and letters saying that they can offer financial assistance or a suitable payment arrangement, I finally contacted XXXX back in XXXX. 

My past due amount at that time was {$210.00}. I was assuming that this payment plan would get me back on track. I went ahead and agreed to allow XXXX to automatically take payments from my checking account for five months. Those months were for XXXX XXXX with payments between {$34.00} - {$67.00}. The amount I paid for those five months totaled {$280.00}. Since the automatic payments ended on XX/XX/XXXX, I went online and paid {$70.00} for XX/XX/XXXX. Even before my XXXX payment was due, I started to receive phone calls from XXXX again. XXXX then mailed me a letter dated XX/XX/XXXX, stating that my past due amount is now {$240.00}. This is an increase of {$25.00} from the original past due amount from a letter they sent me dated XX/XX/XXXX. 

Since they had been calling me several times everyday for at least a month, I finally called them on Saturday, XX/XX/XXXX and asked them why do I still owe a past due amount when I thought the purpose of the payment arrangement was to eliminate the past due amount so that I could get back on track with my payments. I told them that what they did was very deceptive and to not call me again. I also let the person I was speaking to know that I was going to file a complaint with the FTC. 

The second collection agency that Synchrony Bank uses is XXXX XXXX, which is collecting for XXXX. My original past due amount back in XXXX of this year was {$230.00}. The payment plan that I was set up for was for six months with amounts anywhere between {$30.00} to {$81.00}. The amount I paid ended up totaling {$400.00}. XXXX sent me a letter dated XX/XX/XXXX saying that my past due amount is now {$260.00}. This is now an increase of {$34.00} from the past due amount in XXXX. 

What were these collection agencies doing with the money that I paid them? Why do I still have past due amounts that are now more than the original? Why are these collection agencies saying that they will offer people financial assistance or suitable payment arrangements if the past due amount ( s ) people owe never goes down? 

I really hope that the FTC will take action against Synchrony Bank, XXXX XXXX and XXXX XXXX and put an end to their deceptive tactics that are putting me and possibly many others into even further debt. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I have contacted each company for the inaccuracy on my consumer report. The activity date, account being removed off of XXXX. It was removed due to identity theft. Also date of last active I have never made any payments on this account and it's not associated with any address that I have listed on my credit report. Account XXXX last reported dates Experian and XXXX as inaccurate dates listed along with last date of payment is inaccurate these are showing all type of inaccuracies all across my credit report. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX all of these are showing inaccurate information and there for to be removed from my credit report. XXXX and Experian dates and amounts do not match up activity and payment dates show several inaccuracies. Date of last reported is error too. Your investigation of verified has damage my account and reputation for these accounts and I have provide all the pictures and evidence to provide to the XXXX I have to send over an audit to IRS for your purpose missed investigation for many years allowing these errors to remain on my credit report and placing them back on my credit report as well. XXXX has dates that are incorrect dates and I have not did any business with this company. XXXX AS WELL IS INCORRECT DATE OPENED WRONG LAST REPORTED ALL WRONG XX/XX/XXXX XX/XX/XXXX LAST DATE ACTIVE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LOOK AT THE ERRORS LISTED AND YOU CONTINUED TO REMAIN AND PLACE THE ERROR ON MY CONSUMER REPORTERD THEWY ARE TO BE REMOVEDF IMMEDIAELY. THESE ACCOUNTS ARE REMOVED ON THE OTHER CREDIT AGENCIES I HAVE PLACED ALL THE MISTAKES XXXX, XXXX, XXXX XXXX ACCOUNTSXXXX XXXX XXXX XXXX THE DATES OF ACTIVITY, DATE OF PAYMENT, DATE OF ACTIVITY, ALL OF THE DATES ARE DIFFERENT AND INCORRECT.
Product: Mortgage

FORECLOSURE FRAUD against our HOME!!! PLEASE HELP!!! 
... .QUALITY Loan Service Corp XXXX the subject of CFPB Case File # XXXX - complaint against FORGED Foreclosure Instruments that led to the recordation of Notice of Default on XX/XX/2015 ... with a DEFAULTED Debt Validation Request dated XX/XX/2015 respecting the alleged debt on the Notice of DEFAULT.. 
NOW RECORDS a TRUSTEE SALE on XX/XX/2015.. -- -FORGED INSTRUMENTS, and ALLEGED DEBT that they FAILED to Validate pursuant to Federal and State Statutes. 
Snapshot of unlawfully recorded Notice of Trustee Sale, that is hinged upon a Notice of Default without legal or factual foundation : Document # XXXX XXXX/XXXX/2015 XXXX NOTICE TRUSTEE SALE XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2015 XXXX NOTICE OF DEFAULT XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I requested product from XXXX. An account was opened and I paid {$25.00} to load onto my account. I never received my payment card for my account so I requested a refund of my {$25.00} payment due on XXXX due to me not receiving the products I paid for. However, I only received a refund of {$16.00} on XXXX and was not notified until XXXX XXXX XXXX  when I received an invoice stating I owed {$8.00}. This was already deducted from my {$25.00} refund on XXXX so I requested to have my account closed. I have email confirmation stating that the account was closed but for some reason, this company still reported the account to my credit report as an open account with a {$1000.00} credit limit and {$8.00} balance owed. I never applied neither was I approved for {$1000.00} credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but XXXX has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from XXXX pertaining my file! How did they verify it was mine?
Product: Checking or savings account

Hello, My name is XXXX XXXX XXXX. The reason I opened up the account with 5th 3rd Bank was because of the bonus plus the advantage of not having overdraft fees. It was all untrue and I have been charged 11 overdraft fees {$360.00} in fees plus they charge 3 fees just for overdrafting once. So overdraft for {$50.00} and they charge you {$97.00} dollars. I have reached out to them twice and they refuse to reverse the fees. Here is the link of their false advertising about charging no fees. https : XXXX Thanks so much! 
XXXX XXXX XXXX XXXX Bank Name 5th 3rd Bank Bank Location : XXXX XXXX XXXX, XXXX, GA XXXX Bank Phone Number : ( XXXX ) XXXX
Product: Debt collection

LVNV is incorrectly reporting on my credit report for account XXXX, they got a judgement against me without my knowledge and garnished my wages.
Product: Checking or savings account

On XXXX I received via USPS two ( 2 ) packages of checks from TD Bank which I did not apply for. They had different account numbers. 
I contacted TD Bank, spoke with XXXX and reported the problem. XXXX directed me to TD Banks Fraud Line. I am awaiting a call from them. I contacted XXXX to report the fraud. They took report and explained they would contact XXXX and XXXX. As well they placed a Fraud Alert on my report.
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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Action collection services  added an account to my credit report after a year- which has been disputed and currently in litigation. Ive made several attempts to communicate that it is disputed and the creditor being sued, with no response or explanation
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX -Balance {$14000.00} XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint asa follow up to the 1st round Complaint I recently submitted. I sent a letter addressed to the Credit Bureaus on XXXX XXXX XXXX  requesting the Credit Bureaus to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXXXXXX XXXX BANK XXXX Balance XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all these violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 section 602 A. States I have the right to privacy. 15USC 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX which inaccurately list this account as collection or charge off. the report opening date XXXX Experian-XXXX XXXXXXXX XXXX XXXX - I possess no evidence of a late payment
Product: Credit reporting

I have sent a hand written letter to dispute the false 30 day late report via certified mail. I have disputed to Transunion and XXXX. I have written a complaint to attorney general and various other agencies to help me resolve this matter, I have never been 30 days late and in XXXX 2015 I had spoke with a XXXX XXXX XXXX XXXX that had promised me a arrangement due to unemployment. That I could make the regular car payment and that if paid late would accrue fee however, I would never be reported due to late fees for not paying on time. So fast forward 8 months and arrangement was kept on there end. I made the payment for XXXX 29 days late due to financial struggle and they reported me as 30 days late. I wrote a letter in regards to the FRCA 611 ( a ) act that this was indeed false report and I have been hounded in regards to payment that I have always paid. The collection department refused to work with me and where so rude and I feel like I have no control of being bullied in this matter. I need help as XXXX is lieing and holding to keeping this false information active so they do n't get in trouble. They are reporting falsely and I am paying for this emotionally and it is got me so distraught that they continue to bully me in this matter. I can provide documentation however want to make sure it is taken care of to protect my identity. Please if you can help me in any way. I await your response, thankfully yours. XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a title loan for my ex-husband at the time of the loan I was not employed. XXXX  did not verify if I had income as a means to repay the loan. XXXX  did however verify my at the time husband 's income. As well as had my husband sign a power of attorney. My husband and I are now divorced, and not to mention at time of the said loan in XX/XX/2018 I was partial in patient for XXXX XXXX reasons. Now the company is threatening to repo car. Was divorced less than month after the loan due to XXXX  XXXX. I haven't worked for two years because I'm XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 looked at my Equifax credit report on XX/XX/XXXX, and I noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 reports relates according to 15 USC 1681 ( e ) ( b ). Also, according to 15 USC 1681i ( 5 ) they're suppose to do 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 ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they're suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.
Product: Debt collection

In or around XXXX, Portfolio Recovery began contacting me to collect a debt they said I owed. They never provided proof of the debt and their collection tactics were in violation of the FDCPA. There was a lot of back and forth, they even tried to involve my wife. 

In XXXX, they filed a complaint in XXXX XXXX XXXX and after I answered the Complaint and answered XXXX, they attempted to get a default judgment against me, saying I never answered the Complaint. The judge denied their request for entry of default judgment. They NEVER got a judgment against me. A court date was set in XX/XX/XXXX and as I was at court waiting for my case to be called, I was told to go to the clerk 's office. There, I was given a letter which was faxed from Portfolio 's attorney, saying they were dismissing the Complaint and for me to sign and file a Stipulation of Dismissal, which I did. 

Following dismissal of the Complaint, Portfolio and their attorneys tried several times to collect. They did not reinstate the Complaint. I responded to each on, the last one being XXXX. In XX/XX/XXXX, I received a Notice of Application for Wage Garnishment from Portfolio 's in-house attorney, in which they refer to me as judgment-debtor. They are in violation as they NEVER received a judgment against me. 

It has now been more than 11 years since the Complaint was dismissed and the Stipulation of Dismissal filed. They are far outside of the window to collect any debt, which I contend they still were not entitled to do, even if I did owe the debt. Their attempt to get my wages garnished without having a judgment against me violates the law and the FDCPA. I responded to this attempt in writing, with no response from Portfolio. I also sent a letter to the court advising them of this. 

On XX/XX/XXXX, I received another Notice of Application for Wage Garnishment, again seeking to collect money from me and they are far outside of the permissible collection window. Them identifying themselves as judgment-creditor is a fraud, to say the least as they never had any judgment against me. 

I communicated with a couple of attorneys who said they are not entitled to pursue me without a judgment and because of time bar and that because of the continued harassment, I would have an action against them. 

Please help me put a stop to this harassment. I didn't receive any response from them regarding their XX/XX/XXXX attempt and haven't heard anything from the court.