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

On XXXX XXXX XXXX reported XXXX XXXXXXXX XXXX account as a delinquent account which was incorrect. Prior to XXXX XXXX that XXXX XXXX XXXX  account was a {$0.00} balance I paid my full balance to XXXX XXXX prior to this account being reported to the credit bureau. This account should have never been reported on my credit report. It was never delaying or charged off. XXXX please update the status and remove this sacking from my credit file immediately. I will seek advice from an attorney you all reporting incorrect information to just get paid for a delinquent account. XXXX reported in accurate information. XXXX XXXX XXXX XXXX is fully aware that my account balance was {$0.00} prior to XX/XX/2022 and I will be suing them as well if this removed from my credit file immediately
Product: Checking or savings account

On XX/XX/2023 a check in the amount of {$9000.00} was counter deposited to our business checking account with bank of America. Check issuer is XXXX XXXX and the check number was XXXX. At the time the issuer bank suspected the signature and did not clear the funds and the check was returned. The account owner confronted his bank and the apologized and XXXX XXXX issued another check for the same amount which I deposited through bank of America on line banking. A few days later I noticed that my access to my on line banking was restricted and could not see my account or make transactions. After calling Bank of America and going from one department to the other which without exaggeration took XXXX minutes they said the check deposited was a counterfeit ( which was not ). I kept asking if the check was counterfeit the issuing bank would not have cleared the funds but they kept on saying it is being investigated. Another call to them later revealed that they are in the process of closing my business account! and other than the bogus claim of deposited counterfeit check they did not give me any other explanation. When I aske d for my fund in the account they said after the account closing is finalized they will send me a cashier check and now about a month after the awful disaster which put my company 's reputation in question I received a letter saying my account has been closed and the funds before the {$9000.00} deposit is being send to me but the remainder is frozen pending investigation!!! The issuing bank is baffled since they had no problem with the check and released the funds. The check issuer is going crazy since he is out of {$9000.00} and neither him nor us have the funds and Bank of America is none responsive as to when they will release the funds they are XXXX ; XXXX illegally. I still have no clue why they claim the check was counterfeit sinkcethe issuing bank never claimed it to be and released the funds to Bank Of America,
Product: Credit reporting

I have a judgment on my credit report from XXXX/XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.
Product: Student loan

My account is on autopay and I checked my account status on XX/XX/XXXX online. I saw that my monthly payment increased and I did not think that I was properly notified of the change in terms. I double checked my email and my online account inbox, no statement was sent to me to notify of the change. I called on XX/XX/XXXX to tell them that I did not receive a statement through email and it is not in my online inbox. The last statement I received was XX/XX/XXXX, with a payment due date of XX/XX/XXXX. The customer service representative said they have a generated statement dated XX/XX/XXXX for my XX/XX/XXXX due ; the monthly payment amount can not be changed. I told him that I was not properly notified and that I would like an account adjustment for the overpayment they are charging me. I said I have a screenshot showing that they did not send me a statement. He said it doesnt matter because on their system it shows it was sent and they cant change my payment or change the payment allocation. He offered to cancel my autopay and put me on forbearance. I said no I dont have a problem paying, my problem is that I was not notified. I asked to speak with a supervisor and was on hold for 30 more minutes. The representative said they are very busy. I said I have to get to work and would like a callback. He said they would call back asap. I gave him my number and it has been over 24 hours without a callback from the supervisor to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, Equifax as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Credit card

The company Synchrony who manages some of my credit cards continues to drop down credit and close accounts out of where when I payoff balances or do not use credit. This affects my credit scores and revolving credit scores. In the past XXXX years they have been performing this type of behavior with my accounts and every time they do this my scores go down. This is critical and nothing has been done about it. Their actions are a violation to my rights. Their actions and decisions are inaccurate. They are playing with our credit and forcing higher interest rates in the market for closing accounts our accounts or decreasing credit lines. They delay updates to payoff accounts on credit reports which also affects our history and borrowing power.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian on XX/XX/2023 about fraudulent accounts that are reporting on my credit report that has caused detrimental health effects to me due to Identity theft. I sent in My FTC report and affidavit, my dispute letter, my identification, and my social security card. The accounts that are reporting negative were not authorized by me and so I completed a police report and sent in all the needed items requested to prove that I did not authorize those accounts and that my identity may have been breached by the XXXX XXXX. They Removed the accounts but later put them back after going through the procedure that Our congress has requested consumers to do. The accounts are WF/Dillard/Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account without my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so. 
I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Product: Debt collection

I sent out a validation letter to validate the information and there was nothing sent for me to validate. I was never given the initial investigation on this matter to even dispute it in the first place. I have nothing in writing to validate that this alleged debt belongs to me.

In pursuant to UCC 3-302 I am requesting the original security signed by me providing you the right to collect on this account. Until you provide me this information you are to cease and desist all communication and collection activities including credit reporting and criminal activity with the postal system unless it is dealing with any request I have made. Also, XXXX out the balance to XXXX dollars leaving me with no responsibility for the alleged debt. 

If nothing is done within 15 days I will proceed with this matter further.
Product: Credit card or prepaid card

I discovered that I was receiving fraudulent charges from XXXX XXXX. When I realized, I contacted capital one immediately and we identified the rapidly growing charges. 

I was told that this matter was dealt with and I needn't do anything. A new card would be sent out. 

A few days later, I received my new card and saw yet more charges from XXXX XXXX. I contacted capital one and they said they had again dealt with it and I had nothing to worry about. They then told me that less than 5 seconds after they put in an order for a new card, XXXX XXXX  had charged the new card and that she would have to now cancel that card and send me another one, but this one they  would send express. 

They send me the new card assured that this was dealt with and yet ore charges to my card from XXXX XXXX. I call capital one again and they tell me that they can't stop the transactions and that they will have to issue me an authorized user card to my account to get around the issue. They appear to have had no control over fraud from big clients who have some kind of contractual obligations. 

This can't be a one-off problem. If this is possible with XXXX, what other clients are not able to be blocked when fraudulent activity is not being addressed? This was damaging to my credit unfairly as I have spent tens of hours on the phone to them and each time they have assured me it was all under control and would stop. Not only that, but I have had to leave my cards in a permanent state of hold until they could find a solution to the problem which took them months. Even then, it's not a long term solution that every cardholder must have one card that they have, but is blocked, to enable to the use of a second card on the same account? 

I'd like my credit fixed and this looked into as there is a clear issue that is only going to get worse. 

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

Credit Union Rejected Loan Application or increase in credit due to a low credit score and has incorrect information regarding student loan payments which has gone on for XXXX years because of the XXXX situation. 

Credit Union XXXX XXXX XXXX XXXX XXXX ) uses Experian to report and submit credit lines. Yet they are not connected to EXPERIAN, XXXX XXXX security )  for privacy safety issues. 

Since they use EXEPERIAN, I lost points as I paid for Experian for over a year trying to gain credit points, but the Credit Union didn't allow a connection to my account to see how I paid my bills. 

This cost points. They use the money, but they do not participate in the EXPERIAN CREDIT BOOST ( {$240.00} yr ) could have assisted a climb in my credit score. 

I've paid off loans, and as much as the COVID system has allowed, I pay my bills on time.
Product: Vehicle loan or lease

I have an unverified account from CARMAX. I had previously disputed this account. I have never done business with CARMAX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CARMAX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARMAX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.
Product: Debt collection

I was in default on a loan XXXX. XXXX Bank sold my loan XXXX, based in XXXX XXXX, CA in 2011. I have continually asked XXXX to provide me with statement indicating my balance and the interest rate that I 'm paying. They do not provide me with anything. I have tried to contact them via the link on their website so that I might have something in writing indicating that I have made this request many times. The link does n't work. I have called and asked for a statement and settlement amount and my " representative '' told me I was rude for asking, he would not give me a settlement amount, and hung up on me. I called again and asked for a direct email address to his supervisor as well as his supervisor 's name. He hung up on me. The balance on this loan does not appear to be decreasing. I have first tried to file a complaint with the XXXX in order to get the simple paper statement and settlement amount I have asked for. XXXX has a D- or F rating with the XXXX and they will not accredit the company. I am at a complete loss as to what I can do. I would like to settle this balance as soon as possible so I can start to work towards improving my credit rating which dropped so precariously several years ago when the economy turned. I can not settle this balance and be done with this collection agency if they wo n't respond to my requests and continue to hang up on me.
Product: Credit reporting or other personal consumer reports

3rd Request : I purchased my XXXX XXXX on XX/XX/XXXX and traded my XXXX XXXX the same day. XXXX XXXX has denied the dealer payments for the XXXX XXXX XXXX times that caused to have negative items on my credit. I disputed with XXXX in XXXX and they corrected the matter and I would like the same for Experian.
Product: Debt collection

I had a 3 year contract with XXXX XXXX, the contract period was fulfilled XXXX. After the account was closed an additional two months of fees was billed. No new sensors or security measures were added to my home. The initial sensors were paid under the 3 year contract, no new materials were added. I had already started using a XXXX XXXX XXXX at the time of the additional charges. The charges added were around {$200.00}. I did not pay, I do not owe this company money. Zion Holdings took over the debt it is now showing as {$520.00} on my credit report. I do not owe this money.
Product: Student loan

I was a co-signer on a Sallie Mae student loan. The primary borrower filed bankruptcy and ceased payments. I was not notified by the creditor that payments were late until AFTER the account went to collections. No voicemail 's, emails, or snail mail until after my near perfect credit score was damaged to the tune of XXXX points. Sallie Mae claims their fallible computer system shows notices were sent. They sent them to me for the first time as part of a XXXX complaint response at which point I confirmed I never received them the first time. Sallie Mae claims that removing this negative mark from my credit report is " illegal '' and a violation of the Fair Credit Reporting act, claiming they have no discretion to work with credit agencies to resolve this matter.
Product: Prepaid card

In XXXX, XXXX I received a gift debit card for {$200.00}. When I went to use the gift card on XXXX XXXX, XXXX the account was closed. When I contacted Bank of American on XXXX XXXX, XXXX ( at approximately XXXX, via phone ) I was told the card had expired XXXX XXXX and the remaining balance ( actually the entire balance of {$200.00} ) was the " fee '' for closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

address
name
accounts 
wrong


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unresolved inaccuracies on my credit reports with XXXX, XXXX, and Equifax. Despite submitting disputes and providing documentation on XX/XX/year>, regarding erroneous accounts from XXXX XXXX XXXX and XXXX XXXX, these agencies have failed to rectify the errors. This ongoing issue has caused significant emotional distress and financial harm. I request immediate correction of these inaccuracies and resolution of this matter. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my XXXX credit card was compromised and fraudulently charged by several different merchants, including XXXX ( online streaming service provider ). My card issuer, Elan Financial Services, created a fraud case to investigate the charges. Additionally, they closed the the compromised card and reissued a new card. On XX/XX/XXXX, while reviewing and paying my bill online, I recognized that I was charged again on XX/XX/XXXX ( 1 month from the previous fraudulent charge ) from XXXX. Upon speaking with Elan Card Member Services, they informed me the merchant likely participates in a program called XXXX Account Updater ( XXXX ), https : XXXX, where merchants can query ( either real-time periodic batching ) to obtain updated account information for its customers with credentials-on-file. In this case, Sling is a participant and although the account was fraudulent and the previous charges in-dispute, queried the VAU service and obtained the new card information. Upon reviewing the website and taking note this is a pay-for service offered to XXXX 's merchants and acquirers, I asked Elan if there was an opt out for the program. Elan instructed me that since the program is administered by XXXX, meaning Elan didn't specifically provide any additional information other than the standard data sharing required to operate my account on a day-to-day basis, I would have to reach out to XXXX directly. I then contacted XXXX explaining my preference to opt out of the program. I was then told my Visa that the card issuer opts to share VAU data specifically and if I choose not to have my card information shared the issuer, Elan Financial Services, would need to opt my account out of sharing. I asked XXXX to provide these instructions in writing, given the issuer had instructed me to opt out through XXXX directly. Finally, I followed back up with Elan to inform them XXXX said it was an opt in program for the issuer and they own opting their cardholders out. I have the written documentation from XXXX and awaiting written documentation from Elan ( fax request was sent XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to pri

vacy. 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: Debt collection

The debt collector ( Selip & Stylianou , LLP ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer affected ( by Equifax XXXX website report ) by the Equifax breech. They directed me to sign up for free for their Trusted ID. Yet when I attempted to do so, the log in page showed that someone had used my email to do so already ... .and that my birthdate and Social did not match. After a month of contacting Equifax about this ( see attached emails ) I still Can not log into Equifax XXXX TrustedID site, nor can I get a password reset.