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

In accordance with the Fair Credit Reporting Act. The List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 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

Reporting for original creditor. Accounts are paid. They have bought these accounts and still trying to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL LEXIS NEXIS WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH LEXIS NEXIS ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

On  XXXX / XXXX /  XXXX   my employer received a judgement to garnish my wages. The garnishment started about a month ago. I called my HR person who informed me that the creditor was  XXXX   XXXX , whom I have not had any bad debt with for ove r 10years.  The entity that bought this debt  is Foster and Garbus ,  XXXX   XXXX   XXXX   XXXX  NY  XXXX . Their phone number is  XXXX  when I called I was transferred to Ext.  XXXX . The statute of limitations on unpaid credit card debt in NY is 6 years, therefore this is illegal an illegal debt for them to collect on. Furthermore I was never issued a summons to appear in court for this so called debt. I have emailed and cal led Foster and Garbus  and no one has gotten back to me with the information I requested ie date of the debt, the name of the court the judgement was issued in etc. I did a search on  Foster and Garbus  and found many such complaints dating back 5 years. Why is this illegal activity allowed to continue? You are my first step in trying to get some answers.     Thank you for your time
Product: Debt collection

I'm being charged for membership to a country club that I have never visited nor knew of its existence. I barely make enough money to survive and I can not afford any type of membership to clubs or fitness places. This derogatory mark is affecting my credit. Please, see if you can help me to have this removed from my credit report. Thanks. 
Below is a copy of the charge. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Derogatory marks View all accounts Collections M G Credit Opened XX/XX/2016 {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$2200.00} Highest Balance {$2200.00} Opened XX/XX/2016 ( 3 yrs, 2 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello my loan was for XXXX unfortunately due to my car accident the car was a complete lost but your company has written off XXXX of this debt irs says a charge off changes debt into gross ordinary income and income dosnt get reported can you please send me my 1099-c so I can file
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This company cant provide me proof of my ID or social card.
Product: Money transfer, virtual currency, or money service

Hi, My name is XXXX XXXX XXXX I have recently opened a PayPal account and provided all the required documentation asked of me. Upon opening the account at the start it was limited within 10 minutes with no explanation - upon ''resolving '' the issue using PayPal 's own guide I provided further documentation to identify who I am and the account was working- only to be limited again, but this time permanently. I have seeked out PayPal through XXXX as their own website is very hard to find help on as hundreds of other people are having this same issue. I have spoken to a couple of people using XXXX messenger and can provide all the proof/evidence you need. No explanation as to why my account was limited/closed- just for ''security reasons '' is not acceptable as either it is an error on their end or my account has been compromised either option is unknown. I am hoping to use my PayPal account for my business and all I have got so far is ''you can no longer use our services ''. PayPal has not been helpful at all in trying to resolve this issue and I can provide any documentation to prove that it is me. If you do some looking around the internet, the last couple of days I have found countless posts about people who have this EXACT issue. The person who handled the issue was named XXXX. I will provide ALL interactions with PayPal and screenshots below, thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  This account is not mine XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.
Product: Payday loan, title loan, or personal loan

I got a loan with VyStar Credit Union and the first payment was due on XX/XX/XXXX. As of XX/XX/XXXX I had not received any form of communication from Vystar regarding my first payment due date, account number, member number ; nothing. Thankfully I realized that I had made my purchase about a month prior and pulled out the contract and found that the first payment due date was in fact on XX/XX/XXXX. I called Vystar and after sitting on hold for a very long time ( more than 30 minutes ) a woman answered and told me that I could always pay online but I would have to set my account up. In order to set the account up, I needed the loan number, a savings account number ( apparently it automatically generates ) and my member number. After reminding her that they had not sent me any of that information, she said that she could take the payment. 

My initial payment was made on the afternoon of XX/XX/XXXX, I received a confirmation number over the phone as well as a confirmation e-mail that day. 

When I went to make my 2nd payment on XX/XX/XXXX, I saw that I had been charged a {$15.00} late fee. When I examined the account closer, I found that my payment made on XX/XX/XXXX was not posted by Vystar until XX/XX/XXXX. I have since called Vystar numerous times and after being on hold for over 80-90 minutes ( in total ) have been told twice that I would be called back, once put on hold just to be put back in the queue, and once hung up on. Two of the customer service ladies told me that they could reverse the late fee to at least take care of that, instead one of them added another late fee so I've been charged {$30.00} in late fees when no payments have been late. 

I have asked them to pull my initial payment and repost it back dating it to XX/XX/XXXX when I actually made the payment, along with removing the late fees. No one seems to care or know how to fix the multiple issues they have created. 

As I type this, I'm back on hold to discuss the 2nd late fee.
Product: Credit reporting or other personal consumer reports

Ive had incorrect information reported, scores plummeted, and things never come off my report that had been disputed
Product: Student loan

US Dept of Ed Borrower Defense Dept. has finally been held accountable for their actions. The judge issued their final decision and the email attached will express that decision. I highlighted the area that they need to pay close attention to. I called Borrower Defense this XXXX in reference to this email sent on XX/XX/XXXX, to remind them they need to make FedLoan Servicing aware that this is now ordered per the court to be removed from my credit. It does not matter that the servicing contract was canceled. They show this on my credit report still and as of XX/XX/XXXX when I ran my credit. It's now time to do their part. Borrower Defense said that they would notate my account. I don't trust them because when I filed my Borrower Defense app in XXXX, they ignored it, sat on it, did nothing and lied to me every time I called. Hence the need for the law suit. Well Sweet vs Cardona was settled in favor of the Plaintiff and it's time to start doing what the judge said! No more stone walling, it's over! Let 's clear the slate!
Product: Student loan

I have been trying to lower my payment but have had no luck. He keeps getting higher.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act these creditors have violated my rights these code stands for me having privacy, also stating a consumer reporting agency can not furnish an account with out my written instructions. Also a creditor may not treat a payment on a credit card under an open consumer and credit plan as late for any purpose. Im disputing the XXXX of my profile Payments 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( Billing Error Resolution ) Delete Collections 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) Delete medical bills 15 U.S. Code 1692g 15 U.S. Code 1681b ( a ) ( 2 ) Delete Charge Off 15 U.S. Code 1635 15 U.S. Code 1692g Delete Car Repos 15 U.S. Code 1681b ( a ) ( 2 ) Delete EvictionsXXXX 15 U.S. Code 1637 ( 2 ) 9A ) 15 U.S. Code 1681 15 U.S. Code 1681s-2 ( ar 15 U.S. Code 1681e ( b ; Delete Child Support 15 U.S. Code 1681b 15 U.S. Code 1681s-1
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It aXXXX states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
Product: Mortgage

I have a HELOC through Third Federal Savings & Loan. I had a very small balance left on the account and was making regular payments. I depend on them to send me paper statements every month. I run a business and have a large number of bills to pay each month, so I take the paper statements and put them in a date ordered stack and pay them, in order, prior to their due date. 

Some time in late 2023, a single paper statement was apparently returned to Third Federal by the US Post office. Nothing has changed with my address, and I still regularly get mail there just fine. 

Because of that returned statement, Third Federal stopped sending me paper statements. On top of that, they never notified me of the trouble via e-mail or phone call. They claim to have sent a notice in the US Mail. That's the same delivery method they stopped using because it was unreliable so they should have reached out via phone or e-mail. 

I happened to catch the monthly due dates a couple of times and made payments on time. I once tried to get a copy of a statement on their website, but that's not possible unless you turn on paperless delivery. I enabled paperless delivery and grabbed a statement, but then converted back to paper. Paper is the method I need for correct processing. 

I did call them at one point and was told that they are sending statements to me. I don't remember the date of that call. 

During the chaos of trying to get them to send me statements, I apparently missed one payment. I was never notified of the missed payment. The first I was notified was AFTER they reported me to the credit bureaus for being 30 days late. At THAT POINT, they started to call me, e-mail me and send me notices that they had reported me to the credit bureaus. 

They clearly have the ability to use e-mail and phone when they want to, but never notified me of the US Mail issue, nor did they notify me that I missed one payment. 

I have since paid off my balance and will be closing my account with them. Their credit reporting has caused me direct harm. I have a credit score of over XXXX and maintain a perfect record. Because of their unethical business practices, they have dropped my score over XXXX points at a time when I'm planning on buying a new car. I simply want my credit cleaned up. I will be engaging an attorney if this can't get resolved. 

Respectfully, XXXX XXXX
Product: Mortgage

Ditech Mortgage sent a statement to me that said my escrow was in the negative by XXXX some odd dollars and I could pay that amount or have a XXXX plus charge monthly on my payment. I payed the escrow instead of having an added charge to my mortgage. I then received my next bill and they had added the charge and incorrectly posted the XXXX to the principal. I was told I had to email the info and it would be taken care of it was not. My next statement had the XXXX plus dollars added, I called and explained the person said it had not been resolved at the time but it should be by the time my next payment was due and I asked if they were going to reimburse the overage and she said no that it would not be reimbursed because it was a correct charge for the time even though I had paid the escrow months before. I asked to speak to a manager and she said they were backed up. This is a scam to collect more money. I understand that it is not a large amount of money but if you nickle and dime enough people you stand to make a killing. This can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Product: Checking or savings account

I have been a customer/client with TD Bank for more than a few years without incident. 

XX/XX/year> my checking account was fraudulently depleted of {$2800.00}. 

XX/XX/year> While attempting to complete a XXXX request, I discover there was unauthorized transactions on my account and contacted TD Bank through their mobile app. I was told I would receive a temporary credit and they will investigate. I was told that if I had set up TD alerts, I would have been able to stop the unauthorized transactions. I am and was set up for TD Bank alerts and did not receive 1 alert. I was also told to go to branch and receive new banking card. 

XX/XX/year> I went to a local branch to get a replacement card. I explained what occurred and was told I will receive my funds shorty and not to worry. 

A couple days later after not receiving the credit, I contact TD Bank to find out why. 
I was told by the fraud department that my claim was denied. The representative stated that it had to be me who made those transactions, and to file a police report if it was not me in order to receive my XXXX back into my account. That representative was very disrespectful during our conversation and I wish I could have reported her. 

Now compelled to not only get my funds back but also clear my name I followed the representative instruction and filed a police report. I went to another branch and was told once I have the police report they will attach it to my claim and it will be approved in 7-10 business days. Once the report was made available, I provided the the report to the same TD branch who then had to resubmit the claim. 

My claim was then denied again. First reason is that the person used my pin number. I never shared my pin number nor do I know for a fact this really occurred. The latest reason they denied my claim is because the person who used my account to withdraw funds and make purchases did not continue after I contacted TD Bank. When I contacted TD Bank to find out why they would make me take steps to receive my funds back just to deny my claim they stated they could no longer file a claim. When I pointed out the inconsistency in their reasoning to deny my claim they said that there is nothing I can do.

TD Bank representatives insisted it was either me who made those transactions or it was my fault. Those representatives insisted if it was fraud, the person would have taken ever sent and not leave less than {$10.00} in my account. 

I am currently injured and can not work. For TD to have me travel when I was unable to walk, to submit and receive a police report in order to receive my funds and to deny it is not only unethical but cruel. I am the victim and I am not being treated that way. Please help me with this matter, I am out of hope and funds.
Product: Checking or savings account

XX/XX/XXXX. 
XXXX has been taking small amount of money out of my account for almost a year. Last 2 month it has grown to {$1000.00} over the last few times.
Product: Credit card or prepaid card

I got XXXX XXXX from my job in XXXX of 2022, I gave my payments till XXXX. Then after that I wasnt able to give my payments anymore. Its been very hard on me I tryed calling capital one and letting them know my situation but they didnt care to want to help me in any way. The gave me a 3 payment plan deal settlement my payments are of {$94.00} dollars and k cant afford that its too much money I dont have. Can u please help me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late. 
Detailed payment history of my account, including the dates and times when payments were posted to my account. 
Evidence of notification sent to me regarding the alleged late payment. 
Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information. 

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing. 

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

Sincerely, [ XXXX XXXX ]