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

Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have been monitoring my 3 main credit reports with the intention of trying to improve my credit and maintaining a fair to good score from all three bureaus. There are 2 accounts that have been disputed and taken off my XXXX score/report, however they still appear on my XXXX and Equifax reports XXXX I believe my privilege of challenging/disputing said accounts are being ignored from the two agencies, which are resulting in inaccuracies in all 3 reports/my FICO score. 

I don't believe XXXX or Equifax are making any solid efforts to resolve this, as I have disputed both accounts with both agencies recently and yet they are still on my reports. Under 15 U.S.C. Sec 1681i ( a )?, they discrepancies must be proven to be accurate, or they must be deleted. 

The said accounts are XXXX XXXX XXXXXXXX XXXX in the amount of {$62.00}, which was disputed and removed from XXXX in XX/XX/22. The other account is XXXX XXXX XXXX which was disputed and removed from XXXX back in XX/XX/22. I have provided snapshots of all 3 credit reports for review. 

I have talked with an attorney friend of mine of this, and she believes my Fair Credit Reporting Act right are being violated, specifically Sec 15 1681 section 602. A ( which states a right to privacy ) and also section 604.A, section 2 ( which states a consumer reporting agency can not furnish an account without my written consent. ) I have filed a previous complaint to your agency about XXXX, your complaint ID # XXXX. I'm writing this as a new complaint and supplement to that complaint.
Product: Debt collection

I have requested the following - I need the list and method of payments made on account. Specifically, the unauthorized payments that were insufficient allowing the credit limit to be exceeded. 

Thieves stole my card, charged on the card, and then made unauthorized payments that allowed the thieves to then continue charging on the card exceeding the credit limit. 
Please send name of bank or name of financial institute, payment account number, person on account, date of payment, time of payment, name of person making payment, IP address or phone number of person making payment, etc. 

The payments were unauthorized which allowed the credit limit to be exceeded which created a spiraling affect.
Product: Credit reporting, credit repair services, or other personal consumer reports

they say the took care of the problem please look at complaint number XXXX it say it was remove and not on my credit I just check and it still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA this company BULLCITY FINANCIAL SOLUTIONS needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Product: Student loan

Each month I have a {$210.00} payment for my XXXX XXXX. In XX/XX/2024 I sent in a payment to Mohela ( my student loan servicer ) and the check cleared my bank ( showing a check cashed by Mohela on XX/XX/2024 ). Then I kept getting late notices from Mohela - stating they did not have my XX/XX/2024 {$210.00} payment. I called them twice and emailed them as well - they denoted they had no record of my payment. I informed them that a check for {$210.00} cleared by bank on XX/XX/2024. They still denoted they had record of my check ( and payment ). Mohela is sending me late notices - I even emailed them a copy of my bank statement showing Mohela processing a check for {$210.00} on XX/XX/2024. 

I have emailed Mohela and called them- and they still can not validate my payment.
Product: Credit reporting or other personal consumer reports

Student loans managed by XXXX were reported XXXX times to the XXXX credit bureau, indicating my loan balance was XXXX when the actual balance was XXXX. My XXXX credit was negatively impacted by approximately XXXX points to this error. My credit report shows that XXXX closed these duplicated accounts as of XX/XX/year> instead of reporting the error to the credit bureau, which has again negatively impacted my credit report.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Consumer Relations, I am writing to file a formal complaint regarding an unauthorized account that has been reported on my credit file. This account, associated with XXXX XXXXXXXX XXXX, was opened without my knowledge or consent, and despite repeated attempts to rectify the issue, it remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am deeply concerned about the accuracy and integrity of my credit report. The unauthorized account in question has not only damaged my creditworthiness but has also caused significant distress and inconvenience. 

Despite my diligent efforts, the responses I have received from XXXX XXXX XXXX have been limited to mere statements without providing any tangible evidence to support their claim of my authorization for the account. I have not been presented with any signed agreements or documents proving my consent for the opening of this account. Therefore, I am left without any evidence to justify the inclusion of this account on my credit report. 

I assert my rights under the FCRA to dispute inaccurate or unauthorized information on my credit report. I demand that TransUnion conduct a thorough investigation into this matter and promptly remove the unauthorized XXXX XXXXXXXX XXXX  account from my credit report. 

Enclosed with this letter are copies of relevant documentation, including correspondence with XXXX XXXXXXXX XXXX and any supporting evidence, to substantiate my claim. 

I expect a prompt and thorough response to this complaint, along with written confirmation once the unauthorized account has been removed from my credit report. Failure to address this complaint in a timely and satisfactory manner will leave me no choice but to escalate this matter to the appropriate regulatory authorities. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution and response. 

Sincerely, XXXX XXXX
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- acct # XXXX 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 furnis 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 informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Kehoe Financial Called my landlord about a debt I supposedly owed. Not really sure about what information was shared but enough was shared that my landlord knew they were a debt collector trying to collect a debt. In turn I was called by my landlord being yelled at for them calling them and not paying my bills. I have never heard of this company before last night XX//XX/2017. I have only received 1 call from this company to date and it was also made on XX/XX/2017 by XXXX XXXX. I have had the same phone number for years it has n't changed and if they were legitimate they would have known my phone number and address to send correspondence.
Product: Debt collection

Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me.
Product: Credit card or prepaid card

Obtained Synchrony Bank credit card in XX/XX/XXXX, used it once XX/XX/XXXX, paid bill in XX/XX/XXXX. Card charged with {$190.00} in XX/XX/XXXX, I immediately filed a dispute. Synchrony says the product was ordered and sent to my address. I did not order anything on this card. I have filed a police report regarding this issue at the request of Synchrony bank yet they refuse to remove the card. I have told them that unsolicited merchandise pursuant to Federal Code US 3009 can not be billed to my card and I am under no obligation to return anything received. I did not order this merchandise and I did not receive it.
Product: Credit reporting or other personal consumer reports

This account was opened XX/XX/year> There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 
There is also a balance listed but this account was settled I have attached copies of my credit reports for all companies. Please correct or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 XXXX XXXX {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 report relates.

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}.
Product: Checking or savings account

Account was opened under my name at Frost Bank. I have contacted the bank and they have closed my account.
Product: Credit card or prepaid card

Past in XX/XX/XXXX. I asked to waive the interests if I pay {$16000.00} in full, then they agreed to waive remaining interests from previous months. 
XX/XX/XXXX to XX/XX/XXXX total of {$1600.00} to their crazy increase in interests it was XX/XX/XXXX- XX/XX/XXXX- {$330.00} XXXX XXXX {$390.00} Then after that date interest went down for no reason. With the same remaining balanced balance never changed. Interest changes every months. 
So total was {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. They waived XXXX and XXXX while on the phone. They said they need to bring to upper management to actual authorize for the fees to go away Also it was on their mistake to keep increasing my credit limit without my approval. It went up to {$18000.00} credit limit without my knowledge. Whole months I never received any letter or statements. Which they recorrected to send me them but that was too late. 

We agreed for me to pay my debts but not interests those months- XX/XX/XXXX to XX/XX/XXXX Which I finally paid on XX/XX/XXXX, XXXX to do my part. 
There was remaining balance for them to waive the fees. I waited over months and months. I was keep paying because I didnt want any negative effect on my credit. I was buying a house. 

I kept calling, they said theyll investigate but it went no where. 
I kept doing chats online, they said theyll investigate. It went nowhere. 

I had the confirmation code that they found the agreement and they confirmed that fees supposed to be waived. 
Confirmation code was XXXX from XX/XX/XXXX when they found the agreement. 

Confirmation code from XX/XX/XXXX when we had agreement was never given. So XX/XX/XXXX, thats when they found it After that, they just wont waive still. It puts me in constantly cycle. 

They kept processing to send it to collection and increasing my interests plus late fees. Even though I paid from XX/XX/XXXX to XX/XX/XXXX. Thats when I stopped paying. 
Balance went down to around {$800.00}, it went up to {$1300.00} with late fees and interests
Product: Debt collection

I was called on XX/XX/XXXX I was left a voicemail by a compliance officer and a case number saying there was a pending case against me not stating what for but threatened to have someone come to my place of residence or employment to sign papers still not stating what for when I returned the call the man stated that they were a debt collection agency attempting to collect a debt owed from a company called midland funding I have a collection on my credit for a midland funding so I thought this was the debt and when asked I said yes that is a debt I owe he then proceeded to say it was for a payday loan I received in XXXX. I asked for proof of this debt as I dont recall and he told me that is what the compliance officer is going to give me when he finds me at my place of residence or employment. They have apparently called me multiple times and now they have left that voicemail again not stating where they are calling from and what the debt is until I returned the phone call and still he didnt provide me with adequate information so I can confirm this debt is me. If Im not mistaken they are required to let me know who they are in the voicemail they left that was threatening which they didnt do and I dont believe they are allowed to come to my job for that.
Product: Mortgage

My complaint # XXXX was erroneously closed by the CFPB just because suntrust responded. This is not the first time the CFPB has closed my complaint even though suntrust REFUSES to address it. Completely unacceptable for a business that supposed to " protecting consumers ''! I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last 3 years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF DOLLARS OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
Product: Credit card

I have called Citi Credit Card for the past 4 months asking to deal with this fraudulant charge and a method to follow up with them. Charge was for just over {$12000.00} from company named XXXX. I did not authorize th transaction in XX/XX/XXXX. I have tried 5 times opening a case and asking for a case number and Citi tells me to use who I am speaking with 's first name and to dial their fraud number of XXXX. Today XX/XX/XXXX I was on the phone for 3 hours and asked for the case number from XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. They all informed me this case number could not be emailed or given and I would need to call back and check in with them. That feels illegal and I asked to open 3 disputes for 3 other charges with just anwser. they said they would and they only opened 1 and I recieved 1 email. This is not being handeled and they are partaking in misleading business practices. Please help me stop this madness.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are multiple inquiries on my credit that I did not authorize from credo
Product: Debt collection

I have started receiving calls regarding a credit card equipment that I had from XXXX XXXX XXXX   card while I was using their service. After I stopped using their service they advised me that equipment was not needed back as it was outdated. After about a year I got a call from capstone collection agency  from XXXX asking for {$360.00} for the equipment. I explained them what I wrote above and also told them that I still have the equipment and is no use for me so I can still return it. Obviously that would not do good to their pockets so they kept harassing me and threating me that they would spoil my credit and I would retreat not paying them. Today I received the call again and guy on phone threaten me again and told me watch what I will do to your credit, I told me clearly Im more than happy to return the equipment which is what they dont want because they are simply after money. I have checked out capstones reviews as well and they have done this to many of people. Someone with the authority should take some action against them. This isnt right for the sake of greed they threat and abuse people.