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

In XX/XX/scrub> 2024, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX XXXX XXXX ( XXXX ) dropping " XXXX '' credit score drop across all XXXX credit bureaus : XXXX, XXXX XXXX and TransUnion XXXX 

On XX/XX/year>2024, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year>2024 across all XXXX credit bureaus : XXXX, XXXX XXXX and TransUnion due to incorrect credit reporting, by Select XXXX XXXX XXXX You have been provided proof Select Portfolio XXXX XXXX has XXXX & updated XXXX XXXX account XXXX the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/scrub> 2024, from XXXX XXXX XXXX, XXXX XXXX credit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX credit score ( s ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX credit scores by the XXXX points your agency initially took from him in XXXX of 2024 ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>2024, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>2024. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all XXXX credit bureaus : XXXX, XXXX, and TransUnion. The corrective actions by your agency should result in XXXX XXXX XXXX XXXX ( XXXX ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Product: Credit reporting or other personal consumer reports

I am a natural person and a real living human being and I have the right under 15usc 1681. Equifax is governed under 15usc1681 and they violated my rights numerous times and I demand the accounts listed below be removed because according to 15usc1681 i have the right to privacy and I did not give equifax written permission to furnish these accounts. 

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

Situation : Derogatory remark on credit reports, even after disputes, related to closing a checking/savings account with XXXX XXXX XXXX XXXX, IL. Cr report remark states late payment 30,60 days for {$99.00}. States Charged Off by institution. I never had a credit account with this institution. There was no communication or warning from XXXX that there could be a potential negative remark. 

Background : I requested to close a checking/savings account with XXXX XXXX XXXX XXXX late XX/XX/2020. I informed them that I would XXXX  out the account via electronic txfer and then they could close it. I was informed that I could not txfer the {$5.00} savings balance due to Credit Union regulations, but that XXXX would mail that amount. I received a check from XXXX late XX/XX/2020 via my military mail. When I finally got around to opening the check it was for more than my remaining account balance. I contacted XXXX to inform them. I was told the matter would be escalated. During this time I was busy working COVID response, but finally reached back and one XXXX  agreed with my suggestion just to canx the check and reissue for the proper amount and would re-escalate the matter. I was in the middle of PCS and work and in early XXXX found out via credit monitoring that I had a " major derogatory remark '' on my reports. I re-contacted XXXX  and after many calls, txfers to diff departments and hours on the phone we agreed that I would return the check and they would reissue a check for the proper amount and in turn correct my credit. They said I would have to liaise with their collection department to ensure this happened. When I contacted the collections department they could not provide a good explanation of why it was reported on my credit without warning. They were also baffled on why I was told to contact them directly and just stated to dispute the matter via the credit bureaus, as that was the only way they could address any issues. I disputed the remark and contacted XXXX for an update. The curt/rude collections dept rep informed me they could tell me nothing, questioned if I even disputed the issue and that they had up to 45 days to answer any dispute once received. They demonstrated that they could careless about my background story and what I discussed with XXXX member services about getting all this corrected. On XXXX XX/XX/2020 I discovered that derogatory credit remarks would remain on my account per the credit agencies since the " creditor '' substantiated the information. I called back XXXX member services stating the issue & requesting a copy of call phone call transcripts dating back to XXXX. They said they would get back to me, but if not, feel free to reach back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovative recovery Inc. Has been reporting to the credit bureau everyday and I have lost over 60 points on my credit. I have a XXXX XXXX card, with XXXX XXXX to alert me when my credit score changes. I called the company to inform them of this and they literally brushed me off. They sent my invoice to an incorrect address, which I did update, but refused to acknowledge the daily reporting to credit bureau. I also tried to set up a payment arrangement, they told me they would continue until the debt was paid
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681b a report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my credit report. 
Here is a link to the law https : XXXX XXXX XXXX is reporting about my transactions and the law states that those transactions shall be excluded. I want my transactions excluded from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor NAVY FEDERAL CR UNION has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX acct. number 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. XXXX XXXX AND XXXX was an account on my credit report that I deleted over 8 months ago, due to fraud and has not reflected on my EQUIFAX credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, we purchased a RAF ( Right-Arm Facing ) ( XXXX ) order number is XXXX from online store https : //www.ashleyfurniture.com/sofa ( we have all the printed documents and evidence that we ordered this RAF sofa ). XX/XX/XXXX the sofa was delivered, I signed the paper that I got, but after unpacking, we saw that the sofa was LAF ( Left-Arm Facing ). Next day we went to Ashley store and they confirmed that we ordered the correct sofa and the error of the online store, but they could not help us since this is an online store and stationary stores do not apply to it, they also said that they can only be reached by phone. We tried to do this several times - but it is impossible. Then finally we contacted Ashley over live Chat and first they proved that we ordered the wrong sofa ( we have printed that chat ), but then they agreed that we ordered the correct one ( we have all the documents proving this ) and the error was on the web page said that the another couch will be delivered in a week and this one will be taken away. And since then, it has been impossible to get through to the Ashley and sign on, since then, the room has the wrong sofa and the packaging is kept in the pantry. In this regard, we opened a complaint to the Synchrony bank that issued the loan, and as it turned out later, this Synchrony bank and ashleyfurniture.com work together it is impossible to prove the complaint here as corruption, since they agree together. The Synchrony bank opened the complaint on XX/XX/2020 after 60 days there was no response. After they said to wait another 2 weeks, then they said that they themselves could not contact the seller. We called the Synchrony bank several times, then they said that they could not find complaints, then we still need to wait, in the end, not 60 days passed, but 120 days and they closed the complaint in favor of the seller. We do not agree since the Sofa was not replaced, and if they can not, we did not receive any full refund. Synchrony Bank close dispute for some unknown reason like can not judge the quality of merchandise receiver, while we did not get any exchange of our purchase and did not get full refund. We ordered correct sofa online, but get wrong one. ( we have all the documents proving this ). We can't get the truth for 4 months. 

The bank now demands to pay money for a purchase that we did not order! 
We do not agree with this! 
Please Help! 
My name is XXXX XXXX Credit card number XXXX Ashley Synchrony bank
Product: Vehicle loan or lease

XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information GLOBAL LENDING SERVICES it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.
Product: Credit card or prepaid card

There was fraud on my Care Credit account I did not make several purchases. I called them and they have a dispute in progress I have made a payment so it will not go into collections the amount is currently wrong. It should be less than {$800.00} which is the credit limit. I lost my wallet and card and someone was using all my cards and making purchases and paying other cards off to continue to use them.
Product: Consumer Loan

I am.behind XXXX payments currently on XXXX Acura TL, today.. I received a text but no call from a non.business number for Peoples Financial stating I had XXXX minutes to call them.or they are sending a repo.truck for the car. Needless, peoples bank.is n't even open at XXXX. I have no idea who this is, but they say they represent them. Tried calling the number, no answer and voicemail full, call branch offices ... No one is open of course. This can be resolved without this intimidation to already stressful debt. I'm.sole income for my family. No assets, no savings. Life is expensive XXXX with a little XXXX. Planned to pay Monday after resolving a hacked checking account issue which I have documents of.
Product: Credit card or prepaid card

Capital One withholds precise information about the statement period for my account. I want to know when the current statement period ends. Capital One refuses to reveal the information on their web portal or app, until the period actually ends. At best, when I search extensively I can find only a range of possible end-dates. Furthermore, there is no way to lodge a complaint online. 

By contrast, my XXXX XXXX account tells me up front the date on which the current statement period will end.
Product: Mortgage

Below are notes I have taken while speaking on the phone with Carrington Mortgage.

Customer care agents have been helpful at times but seem to focus only on taking or processing a payment, they neglect the need to do anything more than this most of the time. Escalation agents have been professional and helped usually but most fall short and also neglect to call me back, or update IT tickets in any manner. They still need the manager 's assistance to do most things. This makes me think, I am speaking with a long-term agent also in customer care or is this actually an escalation team? 


XXXX ID : XXXX - first escalation specialist I spoke with. marked my IT ticket opened on XX/XX/XXXX as urgent. This ticket ended up being close stating no trouble found. No members from IT called me to discuss this. 

First IT ticket : XX/XX/XXXX Supervisor submitted Second IT Ticket : XX/XX/XXXX Agent requested email to supervisor. 

Spoke with Agents and requested IT ticket - Unknown original agent information as no notes were placed on the account. 

XXXX ID : XXXX - customer care agent, was rude while on the phone refusing to transfer me to the escalation team. 
XXXX ID XXXX - asked to open IT ticket for payment error, no ticket was opened XX/XX/XXXX ID XXXX- Same request to open a ticket but one was not opened. 
XX/XX/XXXX ID XXXX - requested IT ticket and to escalate, was transferred back to another customer care rep not the escalation line. 

XX/XX/XXXX - Spoke with Customer service agent who refused to escalate me prior to reading all the notes and then was given permission to escalate. Took 15 minutes, I requested he see that in the notes I spoke with XXXX on XX/XX/XXXX in the escalation department and should just transfer me. Spoke with XXXX in escalations who reached out to XXXX. XXXX and their manager rebuilt my profile and asked me to try processing a payment again. I attempted using the app and got the same error advising my routing number or account numebr are invalid. XXXX submitted a new IT ticket since the original was closed saying no issue on there end. XXXX then transferred me to Leasing department agent XXXX XXXX who stated " '' Doesnt have an ID '' and is not licensed in NYS. Said he was unable to notate my account he didn't have the ability then instantly mentioned he could try to note the account advising I have called in and would not be making my monthly payment but that he could confirm this probably will affect my month to month billing history and not meet the 12 months in a row for lending options to open up.

I advised I would be starting legal action against them. 

XX/XX/XXXX - spoke with customer care and escalations team, no update on IT ticket, still unable to process payment online. Advised I have until XXXX XXXX  EST to pay XXXX the automated phone system or by XXXX XXXX EST with an agent on the phone. Advised I would try the phone system at XXXX XXXX EST.
Product: Credit reporting or other personal consumer reports

TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE USC 6801, USC 6802 USC 6803 TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE PRIVATE UNAUTHORIZED ACCOUNTS
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inaccurate information present on my credit report following my recent experience as a victim of human trafficking. I have identified several accounts and/or items on my credit report that are incorrect and were not authorized by me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : IQ DATA INT XXXXXXXX {$7500.00} XX/XX/2023 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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

This is a Kohls Credit Card. I noticed on my credit report that Kohls started my card was past due XX/XX/XXXX. I noticed it a few months ago ( XX/XX/XXXX ) .I called the Kohls XXXX number and spoke to an associate. I was informed that there was never a report made to the credit agencies. 

The card is in my maiden name and is XXXX XXXX. 

I received a letter dated XX/XX/XXXX in which they confirmed that any notation was internal only and was not sent to the credit agencies. I then took that letter and sent it to Kohls again. I received a pre-printed letter stating that my credit report is correct and there is nothing they can do. 

I have a letter from them stating they never notified the credit agencies and they confirmed that. Now they are refusing to correct their error that they admitted to?
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX XXXX with account number XXXX ; which are all three attempting to collect a debt from me. I have never entered into an agreement or a contract with ANY OF THESE XXXX COMPANIES which makes these fraudulent accounts. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. These fraudulent accounts reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from XXXX XXXX XXXX, XXXX XXXX XXXXS AND XXXX XXXX XXXX XXXX to cease and for these accounts to be deleted immediately. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Product: Credit reporting

I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EXPERIAN, IN ONE BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE XXXX ACCOUNTS SEE ATTACHMENT.
Product: Credit card

I received an offer in the mail for and XXXX XXXX XXXX. I applied online with the promo code and was offered a card through Bank of America. On the same day that I got the card in the mail I also got a " suspicious activity '' letter in the mail that I found out later was just an intentionally misleading letter used to get me to call in and answer a series of security questions that were supposedly meant to confirm my identity. When I became suspicious that this could be a phishing scam I started to ask a lot of questions. They did nothing to ease my discomfort and ultimately urged me to go into a Bank of America branch to get help. After doing some research I called them back and attempted answer their questions so I could get the hold cleared so that I could use that card. After answering ALL of the questions ( which included both personal information as well as a series of " public record '' questions ) I was told I had to go to a branch to provide 2 forms of ID again! THERE ARE NO BANK OF AMERICA BRANCHES IN XXXX! They knew this fact but they would not work with me at all. I felt like I was being treated like a suspicious criminal the entire time and was never able to get the card activated. So here I am... I am basically in limbo with this card.. waiting until they close the account which is going to negatively impact my credit score. I have been working to build my credit score for 8 YEARS and this has got me extremely angry and frustrated.
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST after the initial 30 business youve FAILED to respond. The unverified items listed below remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take thhe frad alert off and the inquirments off i did not do them at all.