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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

To Whom It May Concern : I am having issues with Discover card billing resolutions. It is probably one of the most incomptent department you can imagine.

I purchased the item on XX/XX/XXXX2017 from XXXX for XXXX Item was returned to XXXX using their prepaid XXXX label. Item was returned, however, XXXX  did not give me any updates. Then I contacted them multiple times, they claimed that the box they received was empty. After confronting, and getting XXXX chat help involved, XXXX said it was not empty ; and XXXX then opened the case saying someone will respond to me in couple of days. I got no response. Then I tried again, the same thing happened. So I contacted Discover, asking to help me to resolve the issue. I got a lot of bubble gum, overly fake and sweet type of treatment, promising they are doing their best. Then few months later I found that the balance was higher than it supposed to be. Turns out the charge was reversed, and no notification was made by mail. So I had to contact them again, and re-explain the entire story. The case was reopened. Few days ago I checked again the account to see if there is nothing unusual, and I found again higher than normal balance. Turns out the charge was again placed back on my account. In dispute page it says 2nd review found the charge to be valid not sure how did they conduct the review. So I initiated again the chat with billing department. I got XXXX, if I am not mistaken, ( the same I dealt with at the start ) to talk to. She said she needs some proof with the weight. I had to reexplain the situation all over again. And I had to guide her to check my supporting documentation, which were a given XXXX  label from XXXX and proof of delivery from the XXXX  showing the weight. So I was told that oh they did not notice it because the weight information was so far on the bottom of the slip. According to previous rep- he already put the notes on this case before with the details. So I dont understand 2nd review found the charge to be valid without even looking into it?

Then on the top of that I was told that the billing rep would not be able to reopen the case for me, needs supervisor to look into it, and supervisor was not yet at work. I think I spoke with them around XXXX so OK. I contacted them next day, I was told its under review. It was XXXX. I asked if I can talk to supervisor myself, it only takes 30 seconds to check everything out. XXXX told me that supervisor is not working. I asked for hours of supervisor- turns out supervisor does not even work. No one knows when he works. Today its XXXX day still nothing. And they bill me higher minimum payments for this, report to credit bureaus higher balances, and charge the APR for this. This is completely unacceptable.

I attached the documents for a review for both CFPB as well as for Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report.
Product: Vehicle loan or lease

Lendmark took me XXXX district judge XXXX XXXX for XXXX lendmark didn't show up so the decision was in my favor I can't get them off of my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Non Compliance with the Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a research request for credit file confirmation # XXXX to have addresses that I have never lived at removed from my file. I included a letter requesting the incorrect information be removed along with the required proofs if identity. I have now received credit file conformation # XXXX and the incorrect addresses have not been removed. The incorrect addresses are XXXX XXXX XXXX, XXXX, MI XXXX. XXXX XXXX XXXX, XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX.
Product: Credit reporting

letter from EQUIFAX shows that XXXX acct # XXXX and XXXX account # XXXX were deleted from the credit file on or before XX/XX/2015.the letter is attached here. 
both accounts have reappeared on the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still showing an Account with XXXX XXXX which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe XXXX and the balance reflected should be XXXX and removed from my credit file.
Product: Debt collection

On XX/XX/2023 I sent a Bill of exchange payment of {$2000.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon which turned it into a check. ( image XXXX XXXX ) for tracking information. I then called on XX/XX/2023 to see if there was an update on my payment. They said they did not receive any form of payment and that it could take longer sometimes for them to process mail payments. I then called XX/XX/2023 to see if there was an update and they still said that they never received a payment and that I should send another check or that I could pay on their app. I told them that I saw that the payment was received at the payment address on my billing statement on XX/XX/2023. They told me that it might have got lost in the system or that they never received it. I then explained if you lost my payment then per UCC 3-603 the amount due must be discharged. They ignored this and said I still owed the debt even though I sent in a legal tender of payment. I then received a letter in the mail from U.S. Bank saying that I am still legally responsible for paying my account statement and a valid form of payment was a check. ( U.S. Bank mail XXXX ) I paid with a check and they are saying that my payment was not valid. I then sent U.S. Bank a Notice of Claim letter, which would be considered a tender of payment and security collateral for my application for my credit card account. ( U.S. Bank Notice letter ) I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. I did not receive any communication from them. I then sent another Notice of Claim letter ( U.S Bank Notice letter XXXX ) with no response ( Image XXXX ) tracking information. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. U.S. Bank has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from transunion and XXXX via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Branch Manager of Old National Bank XXXX XXXX and XXXX XXXX XXXX, IN XXXX XXXX XXXX, on XX/XX/2022 @ approximately XXXX XXXX XXXX sat down with me and discussed the issues of my new account. Recently transactions on the account wasn't processed by me. I was wanting to discuss my options of possible solutions. XXXX suggested that I should closed the account and open a new account. 
I agreed to a change for a new account. Prior to coming into the bank I with to the ATM and printed balance inquiry. I still have that receipt balance. Additionally, XXXX XXXX, printed a copy of my history on the account. I told XXXX XXXX that I was going to need a copy whether she charged me for it or not. XXXX XXXX called the customer service representative and stressed to her that I was concerned about the recent transactions on my account and the representative as well as XXXX XXXX XXXX stated that this process was the only solution to resolving further issues. I agreed to closing the account ending XXXX XXXX and was given a new account ending in XXXX. However during the process XXXX XXXX suggested that before I close the account to prevent any NSF in the old account be safe a leave XXXX in the old to cover any charges. If for instance there are no charges, that XXXX dollars would be transferred to the new account. XXXX XXXX XXXX, assuming that I did not understand what she was doing ; she created the new account ; but instead of giving a receipt for closing the old. She stated, this is your new account that we are transferring but the old account new is written on the old balance receipt. Making it appear that I only had a XXXX and the XXXX just disappeared with out any record. XXXX XXXX XXXX was unaware that I previously printed my balance of the old account before coming into the bank and she gave me a history of the account before she changes account. XXXX XXXX, fraudulently change the balance of my old account leaving the XXXX dollars from which she asked me to leave for safe keeping to prevent NSF during a closing. As I repeatedly do from time to time is check my balance. XXXX, bank teller, explains when I came to the bank that there was ever a XXXX balance left in the old account. I requested to speak with Branch Manager XXXX XXXX, each time I was told she wasn't available. Today after several failed attempts to reach her, I had to call on another phone line to get the tellers to connect me to XXXX. Finally, XXXX XXXX Branch Manager, got on the line to speak with me. After being told I misunderstood 5x by XXXX. I was hoping that she would tell the truth However she refused and continued to pursue this fallacy that I never left XXXX in the old account. I then told her I recorded our conversation because you continued to act suspicious. As of today her mood changed when I said you have been recorded saying leave XXXX in the account to prevent NSF from incoming transactions. She became very quiet. I am requesting assistance with this matter.
Product: Debt collection

THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 


I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED Some COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 
BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNTS Please send all documents of proof that you are legally authorized to obtain my information and collect because I did not authorize any of this stuff Org creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently purchased a new Air Conditioner ( Compressor/Condensor/coil unit ). The company installing the unit had a financing arrangement with Synchrony Bank.

Sychrony Bank sent me a statement and urged me to set up online access and payment through the Sychrony Bank webpage. As is common with credit cards, payments are due on a specified date - and if " received '' or said to be received after that date the credit card compnay begins impsoing a series of fees, interest rates and seeks to take advantage of unsuspecting customers.

I made payments through the Sychrony webpage well in advance of a due date. Only because I happened to review my account did I discover that Synchrony suddenly refused my payments, despite representing earlier that the payments were properly credited. 

This sure looks like criminal fraud.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Scoring Practices and Consumer Treatment Dear Sir/Madam, I am writing to lodge a formal complaint about the current practices surrounding credit scoring and the treatment of consumers, especially in times of financial hardship. 

Firstly, I have observed and experienced firsthand that credit scores are quick to reflect negative information, resulting in rapid downgrades. In contrast, improvements in one 's financial behavior take an overly slow and inconsistent time to be reflected in their credit score. This asymmetry not only affects consumers ' ability to access credit but also implies a system that is unforgiving and does not adequately reward positive financial behavior.

Secondly, it is concerning that paying off debt, which is inherently a positive financial move, does not seem to be adequately recognized as such within the scoring system. This disincentivizes debt resolution and could potentially trap consumers in a cycle of debt.

Moreover, I believe there is a significant oversight in the lack of facilities or accommodations for individuals who lose their employment. The current system does not provide sufficient support for those who are actively trying to improve their financial situation by bootstrapping or seeking new employment opportunities.

The reliance on unemployment benefits as a means to support individuals during job transition or after redundancy is, in my experience, inefficient and inadequate. The process is often cumbersome, the support is minimal, and it does not align with the dynamic nature of the modern workforce nor the rapid pace of change in the job market.

In light of these concerns, I urge the CFPB to consider the following actions : 1. Review and address the imbalance in credit scoring dynamics to ensure timely recognition of positive financial behavior.

2. Recognize debt repayment more positively in credit scoring metrics.

3. Develop more supportive frameworks for individuals facing unemployment or financial disruption, which facilitate a smoother transition and empower consumers to regain financial stability.

I trust that the CFPB will take this complaint seriously and look into these issues with the aim of making necessary reforms that are fair and beneficial for all consumers.

Thank you for your attention to this matter. I am willing to provide further information or clarification as needed and look forward to your response. 

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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ON HAND. BECAUSE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Debt collection

I did receive medical care but I had XXXX because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by XXXX as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in 2015. It is their employees fault and I am not responsible for this debt! I had no income due to high risk XXXX, I had my daughter XXXX weeks early and we both almost died. 

This is in collections, the only collection I have. 
Collection Agency : HEALTHCARE RECEIVABLES GROUP. 
Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}
Product: Credit card or prepaid card

Back in XXXX of 2020, I received my credit card bill for my Barclays credit card. I noticed there were two charges made on XX/XX/XXXX that were not mine. One purchase was made at the XXXX, GA XXXX XXXX store with the total being {$810.00}. The other purchase was made at an undisclosed jewelry and repairs store in XXXX, GA with the total being {$1900.00}. Neither of these purchases were made my me and no one other than myself has access to this card. I disputed the charges to Barclays. 

A few days later, I received a letter from the company saying the charges were being investigated and had been taken off my account for now. A few more days passed before I received another letter stating that the charges were mine and I would have to pay both of them. The charges were then reapplied to my XXXX credit card bill. After calling the company to investigate, I decided to file a police report for identity theft as well as file a claim in the Federal Trade Commissions ( FTC ) 's Identity Theft website. I filled out the documents and faxed all of them to Barclays once more as instructed on the FTC 's website. After calling Barclays, I was told to wait for them to investigate. Today is XX/XX/2020 and I was just told that those charges are mine and I would have to pay for them. 

I am not sure what more evidence to provide that these charges are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX