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

These inquiries are unauthorized and not related to any transactions by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these inquiries, these are a result of identity theft. I would like these deleted within XXXX business days I would like these inquiries removed, per 15 U.S Code 1681c-2. Thank you.
Product: Debt collection

violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Product: Checking or savings account

Im not receiving the reset email so I cant change my password Im locked out of my account they also canceled my debit card, this is going on XXXX days and its not fixed. A password is something that should be an easy fix and this is ridiculous, I also noticed my balance was around {$800.00} then went down to {$500.00} -and I have no idea why. They are saying I spent the money and I didnt. I received XXXX text messages from saying I made a change and it wasnt from me. I dont have access to my money and they cant reset a simple password.
Product: Debt collection

Had numerous issues with insurance coverage for this medical bill. Communicated this to XXXX XXXX  the original service provider and creditor. XXXX sent to collections {$870.00}. I continued to dispute with collections while waiting for insurance payment. Collections accrued interest in the meantime. Insurance finally found their responsibility. Sent check of {$650.00} to XXXX XXXX, they forwarded check and new XXXX  showing patient 's responsibility should be corrected to {$220.00}. Collections continues to report to credit bureaus an original debt of {$870.00} and a balance due that includes interest from the portion that was the responsibility of Insurance. The current balance reported to credit is {$360.00}.
Product: Student loan

I filed a complaint on XX/XX/XXXX in regards to overpayment refund that has not been received. The company responded, but did not address the actual issue. 

I applied for XXXX in XX/XX/XXXX. I made one payment of {$200.00} while the application was being processed. In XX/XX/XXXX I received information that my loan has been forgiven as I exceeded the XXXX qualifying payment threshold to qualify for forgiveness. I received a refund for the {$200.00} payment I made between XX/XX/XXXX and XX/XX/XXXX, however I have not received the refund for the approximately XXXX payments I made AFTER the XXXX qualifying payment was made before that. My credit report shows the loans with MOHELA were officially closed XX/XX/XXXX which is the month the XXXX payment was made. I made payments every month after that until the forgiveness in end of XXXX. I should be receiving a refund for payments made XX/XX/XXXX through XX/XX/XXXX. 

Please see attachments of my credit report indicating the closed date as well as last payment made.
Product: Debt collection

On XX/XX/XXXX, I attempted to make a loan request with Synchrony Bank to purchase a XXXX XXXX XXXX phone through the XXXX store. The process bugged and it would not let me purchase the phone with the account. So I was forced to purchase the phone with my debit card. On the same day I called Synchrony Bank customer support to close the account. They confirmed with me that they closed the account. This is reflected on my credit report. 

Since then they have been hounding me with emails and physical mail about owing {$27.00} on an account that I have with them. They told me I no longer had an account with them. I called them a few times in early XXXX to close this account and confirm I owed them nothing. Customer support with Synchrony confirmed with me that I do not owe them anything. 

However they continued to harass me about payment. By request from their customer support, I sent them a fax on XX/XX/XXXX or XXXX XXXX with proof of my purchase with my own debit card. My credit report says my account with them is closed. Yet they continue to insist I owe them. I did not get a response to my cease and desist. 

In the last few months they have hit my credit score with purported " late payments '' on an account that is not mine.
Product: Mortgage

I contacted Carrington Mortgage about my loan and spoke with XXXX his ID # is XXXX ... I explained to him how Carrington had  lied to me about helping with my loan modification..Carrington refused to accept payments to bring my mortgage current. XXXX  was very helpful and he said that he would send me a reinstatement letter and I should receive it by XX/XX/18. On XX/XX/18 I received a letter from an attorney saying Carrington is foreclosing on my home and God knows this is WRONG, illegally trying to foreclose on my home. Carrington, why did you lie to me? Im so upset. Im trying to stay in my home. I just dont understand a mortgage company refusing payments. Carrington, you promised you would work with me and suddenly you foreclose on my house? Im praying XXXX steps in and turn things around because this is not right.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XX/XX/year>XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$400.00} XXXX  XXXX  XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly delete the inquiries referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following inquiries. These are not mine or belong to me. I have also filed a police report. Apparently someone is using my social to try and open accounts and credit in my name. I have also had someone steal my bank card and attempted to withdraw money from my account. 

These do not belong to me. The police report has been filed with XXXX XXXX police department. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Synchrony Bank sold my account to a collection agency and the balance was paid off some time ago XXXX XXXX 
I tried to contact the bank but kept running into dead ends. 
XXXX XXXX is where I started Care Credit. 
I made a final payment in a money order and can't quite remember when exactly.
Product: Money transfer, virtual currency, or money service

I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on morning, XX/XX/2020 if I am not satisfied with PayPals response to this request to release my funds, i will be filling complaints with The Attorney General 's Office AND The United States Federal Reserve ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. Paypal has not contacted me with any exact date that I would be able to withdraw my funds. 

Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of XX/XX/2020. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. 

Thank you for your time again in looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  had my XXXX XXXX XXXX paid in full on XX/XX/19 showing XXXX balance and paid collection account. Then on XX/XX/19 Transunion put the {$91.00} balance back on my XXXX XXXX XXXX and XXXX {$410.00} stating it is owed again and account in collections lowering my credit score over 25 points!! I don't understand how Transunion and XXXX can increase a XXXX   balance once the account is paid in full? I called customer service they were of no assistance I am trying to purchase a car I can not afford to have this happen to my credit report!!!
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian on XX/XX/ a full investigation was conducted and that all accounts on my profile was verified from each company and are correct which I have found this to be false. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

Ive disputed these accounts on multiple occasions now and they claim to have verified this information being accurate which is false and have failed to provide me with proof of verification. The accounts still have inaccurate information causing damage to my consumer report. None of these companies presented a signature of me agreeing to debt or identification and the accounts were placed back on my profile without notifying me within 5 days which is violation of 15 USC 6802 which states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Also these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I need the following listed accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been XXXX  overseas for the past 8 years. I do come home to North Carolina from time to time .... however, I viewed my credit report a few months ago and noticed a collection account from a company called I C System??

I have written them advising them the account is not mine. I have not heard back from them and according to my relatives no mail what so ever was ever has been sent to my North Carolina address. And I have not been to the hospital in GA!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " XXXX XXXX XXXX ''. I followed up with the XXXX XXXX Services I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, XXXX XXXX customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.
Product: Mortgage

Heloc from XXXX countrywide home loan, that Bank of America took over CW complete portfolio during the Great Recession. BOA claims that they transferred the Heloc to Real Time Resolution in XXXX.
Product: Checking or savings account

My account was closed XXXX weeks ago due to fraud detection by Bank of America. I received a letter in the mail stating that my account was officially closed and that I would no longer receive direct deposits. Any direct deposits would be blocked and sent back to my employer. I get paid weekly on Thursdays and was supposed to receive XXXX paychecks this XXXX, the XXXX, but I didnt receive them. 

Despite informing me that direct deposits would be blocked and returned, Bank of America is still receiving these deposits. Now, theyre saying that further direct deposits will extend the timeline for my accounts official closure, causing further delays in refunding my paychecks. 

Bank of America refuses to comply with my requests to release the funds sent by my employer. Ive reached out multiple times, but I keep getting inconsistent information, which makes it even harder for me to recover my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the coal mine he worked. He had to receive XXXX XXXX surgeries. After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.