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

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.
Product: Credit card or prepaid card

This is the XXXX claim Im making against this bank because AFTER my XXXX claim, they are STILL SENDING ME CREDIT CARDS FROM A CLOSED ACCOUNT. 

I have been dealing with this since the summer. 

PLEASE HELP ME! 

Synchrony bank illegally reopened a credit card of my that was closed for XXXX years. I started receiving credit cards from them, so I requested them to stop. I have XXXX different letter saying my account is closed, yet a month later, I would get a new credit card. The bank keeps telling me its a system error ; whenever I called to close my account their system put it down as a request replacement card. 
I DONT HAVE AN ACCOUNT WITH THEM!!! 

THIS HAS HAPPENED XXXX TIMES SINCE THE SUMMER. 

AND MY FIRST CLAIM WITH YOU, YOU SIDED WITH THE BANK!!! SAYING WHAT THEY WERE DOING WAS OK SINCE I HAD AN ACCOUNT WITH THEM YEARS AGO!! 

This company is harassing me! Please make them stop!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans reported on my credit saying no payments received. I disputed this and the credit bureau said the US Department of Education says the information is correct. I have my student loan payment garnished from my check in the amount of 15 % every payday. I tried contacting the US Department of Education and they said my loans are with the collection agency named XXXX XXXX XXXX. I called them today XX/XX/19 and spoke to XXXX on a recorded line. He said that I am going to remain in default until my loans are paid in full and they are not required to report to credit bureaus. He said my payment is not considered voluntary and therefore my status will not change. I was told I could only come out of a default status by letting the garnishment continue and making a separate payment to them. That is absurd. A payment whether voluntary or involuntary is still a payment being received. He also stated that I have a balance of {$130000.00} and on the US Department of Education student loan website my balance is {$110000.00}. How can I make a payment and owe collection fees that high? This is unconscionable.
Product: Credit card or prepaid card

I recently relocated from XXXXXXXX XXXX to XXXX XXXX, XXXX XXXX After moving, I signed up for an app to enable me to use the digital parking meters in this area. The app was attached to my PayPal account, which itself has several credit cards attached to it. My primary PayPal card is XXXX XXXX, but for some reason when I signed up for this app, PayPal XXXX XXXX the parking app to my PayPal card, which was issued by Synchrony Bank. ( I never use that card. ) I tested the app in XXXX to see if it worked ; it did. 

On XX/XX/XXXX, I received a notice that my credit rating had dropped XXXX points. Alarmed, I checked to find out why. It seems that Synchrony reported me more than 30 days delinquent on paying off that parking charge, which was {$4.00}. With interest and fines, my amount due was now {$12.00}. I never received a bill, phone call, or official notification prior to them reporting this formerly dormant account as delinquent, even though they had my new mailing address. ( I finally did receive a bill on XX/XX/XXXX, four days AFTER I paid by phone and closed all three of my open Synchrony credit accounts. I can not believe that a {$4.00} error can cause a credit score to plunge nearly 100 points, from the 820 range to my present day XXXX. And I struggle to appreciate how Synchrony justifies dunning me without first trying to contact me more directly. 

Prior to this run in, I had an earlier run in with them regarding my Amazon XXXX credit card, which they had been managing. I paid that bill in full every month without fail, using my banks electronic bill pay wire service. In XXXX of XXXX I made my full payment the same way I did every month. They initially credited my account, but for some unfathomable reason, they reversed the credit the very next day. Then they began sending me threatening texts claiming my payment was overdue. I called and explained that I had paid and didnt know why they had reversed the charges ; they acted as if I was lying and demanded that I send them proof. 

I sent them my bank statement showing that the exact amount had been deducted from my account, through the auto bill pay system, and I included the data about the transfer that I had. They denied it was adequate evidence and refused to credit me for the over {$600.00}. Id already paid. I next had to go into the bank and have them research the transaction, provide me with a printout of their wire transfer statement, and then again mail them the physical proof that they had indeed made an error. Finally in XXXX of XXXX they worked it all out and properly credited my account, though I received no apology for the original error. After this latest {$4.00} fiasco ( I literally charge thousands on my XXXX every month with zero issues over 40+ years of relationship ) I opted to close all my Synchrony accounts and to never do business with them again. None of which resolves my current credit rating dunning over a paltry {$4.00} parking meter usage. It just frosts me that something so trivial is able to have such a major financial impact on my life.
Product: Checking or savings account

I have high connections with a bank ( s ) that do not let me open a checking account/savings, etc due to " charge off '' - which is absurd knowing I have paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to XXXX, Equifax, nor XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.
Product: Money transfer, virtual currency, or money service

My bank account was closed and my XXXX XXXX check went into an account that's closed I told XXXX XXXX my new bank information and they still sent it to old bank and old bank won't send it to me or XXXX XXXX
Product: Checking or savings account

I opened an Citibank package for XXXX $ opening bonus. The account was deposited with XXXX $ on XX/XX/18. By the term I should received bonus before XX/XX/18, but I ask Citibank chat service and nothing happened yet.
Product: Debt collection

Collection agency XXXX XXXX XXXX has reported a debt on all three of my credit reports in the amount of {$460.00} on XXXX XXXX they also have reported both that its either open or closed. The original debt was purchased by XXXX XXXX, I have never had this cellular service ever. The are also other discrepancies on my credit reports which I am currently disputing.
Product: Debt collection

I am writing to request your help. MACYS/DSNB is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX /Date opened XX/XX/XXXX/ Charged off/ Status closed/ Bal {$900.00} This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND XXXX AND EXPERIAN has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX  ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE DEPRESSED AND CANT MOVE ON WITH MY LIFE
Product: Vehicle loan or lease

I purchased a vehicle and was financed through Santander Consumer USA. I was happy with the loan and the vehicle until the vehicle was totaled in XX/XX/2019, The majority of the loan was paid off quickly by my insurance company leaving a balance of my loan of {$700.00}. I was pleased to know that my gap insurance was going to pay off the remaining balance to Santander consumer USA and would be resolved. Unfortunately the gap insurance took longer then expected. I became extremely nervous about Santander reporting late payments to my credit or charging me late fees as i am in the process of purchasing my first home. I called weekly and spoke to a representative at Santander to make sure none of this was going to occur. Every time they assured me because they where aware of the situation and i was keeping them informed this would not happen. I called them for the last time after my gap insurance had finally paid off the loan to ensure my account was still in good standing and i would receive a payoff notice. This is the first time after over ten phone calls throughout the course of the process that they stated it WAS TOO LATE! I was informed that my credit had been hit with a over 60 day past due payment and was mortified. I explained to the rep i was told several times this would not occur due to the circumstances. She stated there was nothing she could do. I Asked for a supervisor which proceeded to tell me after it hits my credit there is no way he could reverse it. I was in tears as i saw my credit i had been working on go from a promising XXXX down to a XXXX. Due to this incident i was unable to make the offer on my home. I am confident there staff is trained to tell customers that there account is in good standing until it is too late in order to receive the late fees and make sure customers stay further in dept with there company. Theses actions are appalling and i have never been treated so unethically. I was young at the time and this was my first loan, they prayed upon that and my family and i are suffering the consequences.
Product: Credit reporting

I attempted to request copies of my annual credit report and received different convenient excuses why the XXXX agencies would not produce the report as required by law.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Federal Saving Bank reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to convince XXXX  that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that XXXX also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by XXXX. I also have similar experience with Equifax but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as XXXX. They seem to have similar work code.
Product: Credit reporting or other personal consumer reports

I deleted old addresses from my credit report- this triggered the deletion of my entire credit report. I need this rectified immediately.
Product: Debt collection

On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account XXXX XXXX XXXX XXXX  is showing as a debt owed in the amount of {$2800.00} on my credit report. This is not my debt and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Had a college card, put some money on it, did n't pay it. Went to the bank directly to settle and they would n't work with me on paying it. I asked if I can pay {$200.00} and they said no they wanted {$600.00} to start it. I only had a {$1000.00} limit and they added $ 200+ fees on top of it. I was willing to pay it off if I was given an opportunity to but they would not work with me at all.
Product: Credit card or prepaid card

This past weekend my bank went through conversion as PNC was taking over. As a previous employee the bank, I had expectations about how this was going to be handled. To say it fell very short of expectations is an understatement. Ill leave all the issues with getting funds to others because Im sure there are a lot of those. I have personally prided myself on my credit. My scores hover around 800. I have never had a transaction denied. I had worked at BBVA also and even though I worked at other banks I always used my bbva credit card due to rewards earned. I used it religiously and did not use a debit card. Well I was leaving for a trip without my family Thursday until today. So on Wednesday evening of XX/XX/XXXX I went to pay for my luggage through XXXX  XXXX  and it would not go through. I called XXXX  and after 10 minutes I was told it was declined. So first off I was not happy since I have never been more embarrassed but more importantly I had no idea why. Back up a few weeks. I looked at PNCs website with their welcome and what to expect during conversion specifically credits cards. After 29 minutes of searching. It said that I would be able to use my credit card through conversion and after conversion I would receive a new PNC card to start using upon arrival. Well I called PNC and after 25-30 minutes Im told that PNC had just created my new card and I should receive it in a few days and by the way, your old card wont work. Here I am leaving my wife and kids at home with a credit card to use, Im going away with a credit card to use and guess what, I have no access to my credit. How is this possible to post information on your website and not follow through? I still have no credit and I feel very lucky that nothing happened where I was in dire need. Im not sure what the laws state specific to credit since they had XXXX reason for me not to have access except for this cluster of a conversion. The lady I spoke to couldnt turn it back on and and told me basically I was stuck and nothing they could do. Ive never been so embarrassed and still aggravated I dont have a card. 

In addition I was not properly disclosed to about the changes. In XXXX I moved to XXXX area. I had changed my address with BBVA in XXXX. Well apparently that change did not get to PNC. A week before conversion I had to call and verify a bbva had the correct address, PNC kept sending to my old address. Also I explore someone to actually go to PNCs website and find credit card conversion. Its like the hidden ball trick. 

If I want to send an email or call someone above a basic customer service person, there is no way to route that. They dont provide that information to the public. I have attempted calling, emailing using XXXX. I complained on XXXX directly to PNC customer service and didnt get a response for 3 days Ive worked at a lot of XXXX  and have been through many conversions and this one by far was the most disorganized one with the worst communication. All my accounts will be closed and Im researching further action XXXX XXXX