23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received at least three ( 3 ) automated phone calls per day for the last three or four ( 3 or 4 ) days  while I'm at work from Synchrony Bank [ phone number XXXX ] acting on behalf of Care Credit.  They claim that I owe {$2400.00} for XXXX performed by XXXX XXXX XXXX XXXX. They further allege that I am delinquent on that account. The irony is, I've never had any XXXX or other dealings with XXXX XXXX XXXX XXXX. Then they stated it was for my wife 's XXXX. She has had two ( 2 ) XXXX with them. However, I have a copy of her most recent statement that shows a balance of {$760.00}. I contacted them earlier this evening and spoke with a foreigner who repeatedly tried to get me to admit to the debt and to make an online payment. I repeatedly stated that I would have to speak with my wife first. He persisted until I finally told him I didn't care what he put into his system, just stop calling me. I should mention that I am a XXXX with good credit. Their phone calls are not only irritating, but disruptive to my XXXX XXXX. 

When my wife came home she told me that she has contacted Care Credit several times and nobody can tell her why she owe this extra {$2400.00}. Subsequently I contacted Synchrony again this evening and was told by them that they were not contacting me about my wife 's account, but about an account in my name for XXXX performed on me. Let me reiterate, I have never had any XXXX period. I've never even been to XXXX XXXX XXXX XXXX office. Synchrony tried to deflect the blame back to me when I questioned them about the account in my name and asked them to tell me when I had these supposed XXXX. I also stated that I had never received any bills for this account. They told me they didn't have that information. At that point I demanded to speak with a supervisor and an AMERICAN. They transferred me to their fraud department where I spoke with a snotty woman who did not identify herself. 
She made me repeat everything I had already said and kept interrupting me. She finally admitted that this account was fraudulent and obviously not mine. I demanded that they stop calling me and very explicitly said I would fine a complaint and I would seek legal action if any of this showed up on my credit report. She made vague statements to the effect that I had a right to complain and I could sue anyone ( as a veteran I take offense when a foreign national tells me what my rights as an American citizen are ). Despite repeated statements on my part, she would not say that this wouldn't show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account REGIONAL ACCEPTANCE XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed.
Product: Checking or savings account

I made a deposit into my business account ending in XXXX for {$14000.00} on XX/XX/2024. Almost {$9000.00} months as available in the early hours of the XXXX. By the afternoon of the XXXX my account was negative. It wasnt negative prior to deposit. No one can explain why a check that posted would cause a negative balance. I spoke to XXXX XXXX at the XXXX branch and he couldnt answer, neither could the back office. This caused my other accounts to incur overdraft fees since I wasnt able to transfer. Its also causing an enormous strain on my business and its ability to operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to investigate an account they are reporting on my consumer report. I've sent a total of XXXX letters! Dating back to XX/XX/21. Ive been completely ignored. The dates are XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Equifax is also reporting a duplicate account on my consumer report as well that needs to be removed immediately. All this inaccurate info is causing me XXXX XXXX especially during a time like COVIDXXXX
Product: Credit reporting or other personal consumer reports

There are some incorrect information on my credit report. 
Like the incorrect address and names.
Product: Credit reporting

On XXXX/XXXX/15 at approximated XXXX ET, I attempted to receive my free annual credit report from TransUnion via XXXX. After accessing TransUnion 's site and verifying my identity, I was presented with a copy of my current credit report. I immediately clicked on the link to save a copy of my report as a PDF and was redirected to a page notifying me of an error. When I attempted to return to my report via the back button, I was told that the information was no longer available, and I was redirected back to XXXX. I then tried to re-access my TransUnion through XXXX, but was told that I was inelgible to do so since I had already " accessed '' my annual report. 

Clearly my access and ability to view and confirm the validity of the report was extremely limited based on an error with TransUnion 's site or backend systems, and I feel that I have not truly been provided with a report in accordance with FCRA.
Product: Debt collection

After several failed attempts in trying to resolve this matter, Payliance continues to violate XXXX  Code 4-59-101 ( 2 ) by attempting to collect this alleged debt and violating the FDCPA
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX XXXX  CREDIT COLLECTION SERV XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a follow-up to my prior complaint ( CFPB Complaint XXXX XXXX XXXX XXXX XXXX XXXX against Equifax for violations of the Fair Credit Reporting Act ( FCRA ). Despite my previous complaint and the CFPBs involvement, Equifax has continued to demonstrate a pattern of non-compliance and obstructive behavior, which has caused further harm to my credit file and financial well-being. 

Summary of Recent Developments : Equifaxs Contradictory Responses and Failure to Conduct a Reasonable Investigation : In my latest dispute, Equifax responded with a letter dated XX/XX/year>, stating that they were unable to locate my credit file in their database using the information I provided. This claim is completely inconsistent with their previous responses, in which they verified disputed accounts on my credit report using the same identifying information. 
Equifaxs continued claims of being unable to locate my file, while previously verifying accounts, strongly suggest either an inability to maintain accurate records or an intentional refusal to investigate my disputes properly. This behavior violates FCRA 1681i, which requires a reasonable investigation of all disputes submitted by consumers. 
Equifaxs Use of Stall Tactics and Bad Faith Delays : The recent response requesting additional identifying information is a stall tactic, as I have already provided all necessary documents, including my full SSN and proof of address, in previous disputes. Equifaxs repeated inability to process my disputes correctly despite having the required information is a direct violation of the FCRA and demonstrates their unwillingness to comply with the law. 
Equifax has now repeatedly sent conflicting responses regarding their investigation of my dispute. They previously verified the disputed items, but now claim they can not locate my file. This pattern of behavior is causing unnecessary delays and financial harm.
Product: Mortgage

I decided to pay more my mortgage so I would pay less interest. On XXXX XXXX and XXXX XXXX I made payments of XXXX. I was told later the second payment would be same as the first payment no extra principal would come off. I ask to apply the XXXX XXXX payment to principal. They agreed but said it would take XXXX days. I didnt see the payment applied to principal so I call was told they would extradited it. That didnt happen. I made my XXXX and XXXX payment all the time asking for XX/XX/XXXX payment to be applied to principal balance. They kept saying it would be. I also paid an additional XXXX on my principal balance XXXX XXXX XXXX. I had to keep asking for it to be applied to principal balance and it was not done until XXXX. I ask for all the principal to be applied back to when I paid it. They also would not except my XXXX payment. I tried to get a XXXX XXXX law student to help that work. You are my last Hope. IF you are able to go back and look at my montage from the beginning you will see they did wrong all the way.
Product: Checking or savings account

I am currently on the phone with a representative by the name is Ms. XXXX who is taking. a look at the account to see why my claim was denied.She states I made a statement to a representative that I gave my cousin the card to use to try and see if the bill could be lowered that it was in fact permission to use my card. The problem is that is not accurate I would never give a 3rd party my card without me written consent. I NEVER signed anything or agreed to have my card used. My information was taken in order to see if there was a way for the bill to be reduced but I did not authorize an amount to be paid. I do not understand how they can allow an establishment to withdraw funds without consent period. That is like stealing and they are giving them the right to. If the money was sitting in my account and there was something that happened where another person filed a claim against me using 3rd party the money would just be taken and there would be no questions asked so this is not fair morally and legally questionable as well. I stated to the representative that if they wanted a police report I will be glad to go and get one. She said that I do not need to have one. I do plan on calling the police however, due to the pandemic do not know how long it will even take. I will follow up regarding the matter. Right now I just want the record to reflect that the bottom line is I never gave my card to anyone and I NEVER authorized payment as stated. I sent over a copy of my bill and told them that XXXX XXXX is/was working with me to get the bill paid but now because there was a payment I have to reapply. This payment was as stated and not what they deem it to be. It is unauthorized and therefore should be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never heard of this I reached out to the original creditors and submitted documentation I didnt give this company consent to place this on my credit report
Product: Debt collection

I see a company reporting that i owe adebt of XXXX for something i do not know of. This is not mine and require proof of contract that i signed or proof showing this is mine. This is not my debt. Please have this company remove from my credit. Thank you
Product: Vehicle loan or lease

My named was forged on a document that was never presented to me and the original I applied and received the loan for my car. I wasn't behind on my payments nor was I behind on my insurance. I had also found out the that said document was illegal here in North Carolina. I had lost my job also picked up and new aliment and I have been out of a lot of money cause now I have to pay for rides and delivery fees for the things that I need i have bee fighting this issue for a year. I also believe that they forged papers to steal my mother 's house from her also. My family and I would like help in getting justice from this bank I also have said documents on my person as well. I have a whole lot of documents and proof to send but the system will not let me send them all at one time.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out any and all authorized. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C 6802XXXX ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Product: Money transfer, virtual currency, or money service

A friend of mine XXXX XXXX transferred me {$1500.00}, reimbursement of a pool heater I help them with, through money transfer service Venmo/PayPal . I verified my identity by uploading my drivers license linking my bank account so forth so on. I then transferred {$800.00} from that account and showed it was pending as of XX/XX/XXXX, I received an email from Venmo, stating that my financial institution would have the fines between 1 to 3 business days by the third business day. Venmo suspended my account with no communication other than automated and said that I was in violation of their personal Venmo agreement they wouldnt give me a reason as to why or even ask me questions, and the only thing that I can assume is that they assumed this was a transaction of goods and services and they were concerned about a charge back. This was not the case and wouldnt even allow myself or XXXX XXXX to verify this and now theyre justifying placing a hold on my {$800.00} transfer to my linked in verified bank account for six months I cant believe this is legal, they wouldnt even give us the option to transfer the {$800.00} back to XXXX XXXX Venmo account and her and I could work out payment arrangements for reimbursement some other way. This was an authorized transaction money transfer between friends and family not goods and services for Venmo to justify placing a hold of {$800.00} of peoples money for no just cause for six months is completely unacceptable especially with no communication for almost 5 to 7 business days after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted an affidavit of truth regarding XXXX XXXX XXXX furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from XXXX XXXX stating that the credit reporting is accurate. 
I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Failing to Address Fraudulent Accounts D Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Complaint Overview : I am submitting this complaint regarding Experians failure to address fraudulent accounts reported on my credit report. Despite providing legally binding evidence of identity theft, including an FTC Identity Theft Report and an IC3 complaint, Experian has failed to appropriately investigate or remove the fraudulent accounts.

Details of the Fraudulent Accounts : The following accounts were fraudulently opened without my authorization as a result of identity theft : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) I previously disputed these accounts with Experian and provided comprehensive evidence, including : 1. FTC Identity Theft Report 2. IC3 Complaint Report Additionally, the XXXX XXXX account was reported to their Fraud Department, but they failed to act appropriately under the Fair Credit Reporting Act ( FCRA ).

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian has failed to : 1. Conduct a thorough investigation of my dispute.

2. Remove fraudulent accounts despite sufficient evidence.

3. Fulfill their obligations to maintain accurate credit reporting as required by the FCRA.

Resolution Requested : I request the CFPB to compel Experian to : 1. Investigate and remove all fraudulent accounts from my credit report, including XXXX, XXXX, XXXX, and XXXX XXXX. 
2. Provide a corrected copy of my credit report.

3. Ensure adherence to FCRA regulations regarding consumer disputes.

Supporting Evidence : I am prepared to provide the following documentation to substantiate my claim : 1. FTC Identity Theft Report 2. IC3 Complaint Report 3. Copy of my government-issued ID 4. Proof of address ( e.g., utility bill ) Contact Information : I can be reached at XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, 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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called the company. It is now XX/XX/XXXX. I got a loan out for XXXX in XX/XX/XXXX and have made on time payments ever since. I called to discuss payment options and found that after all of this time I still owe XXXX. I have paid them double at this point. I called to see if I can get a payoff discount or a way to be able to assist as this has begun to create a hardship. I explained this to the agent and they said there is nothing that they can do to assist me. Now I feel trapped and don't feel I can do anything to get out of this.
Product: Credit card or prepaid card

On or about XX/XX/2022, I noted on my mobile app that my two credit cards with Capital One were " restricted. '' On XXXX XXXX, XXXX I called Capital One. They informed me that both my cards had been cancelled. 

I have had these two credit cards for more than seven years. I have never missed a payment. 

The credit card company offered no reason, and told me that since the accounts had been closed, they could not retrieve any information regarding the reason for cancellation. I was not contacted about any issues, problems or their intent to cancel my credit cards. 

This affected my credit score and their demand for immediate and full payment is beyond my finiancial capacity. 

I am a XXXX senior citizen with health and mobility issues. 

Again, I have had, and used daily, these two cards for over seven years and never missed a payment, often paid the full balance down to XXXX  and had no fraud or other issues with them, or this company, until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is the Equifa  x Information Sefvices LLC is reporting that I am deceased.
My father and I shared the same name and he is now deceased and now it is affecting me because reports are claiming that I am also dece  ased.
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding several items on my credit report that I have previously disputed. Despite my efforts to rectify these inaccuracies, my disputes seem to have been ignored. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We have been working with XXXX finance for about XXXX years to pay our debt on XXXX XXXX and doors. A payment got lost either in their place or mail last month XX/XX/year>. My XXXX XXXX, and I have been receiving robot calls non stop for last XXXX months to bring the account up to date. This is harassment at it's finest. XXXX should not be allowed to operate the way they do. Other issues where, financing wasn't started right away after install until we got harassed for full payment and we pushed to get finances done. Another installation was done wrong on patio door and had to be corrected within XXXX months. Thank you for letting me ventXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling in regards notification on my credit report. The accounts reported are inaccurate and is leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX