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

Experian is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Experian a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Experian has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Request for Account Update Dear Credit Bureau , Good evening. 

I am writing to request an update on my credit report regarding the following account : - Account Name XXXX XXXX Account Number # XXXX This loan has been paid off XX/XX/XXXX, and I would appreciate it if you could update your records accordingly. 

Thank you for your attention to this matter. If you require any further information, please feel free to contact me. 

Sincerely,
Product: Payday loan

Flurish, Inc dba XXXX ( a payday and installment loan company ) has been threatening collection actions for XXXX loans which I never applied for, never received any funds for and in spite of my efforts asking for corrective actions to be taken, has not resolved the issue. I was emailed an electronically signed agreement ( which I never signed ) with address information, bank account and bank routing information that does not belong to me. I notified them of this but the issue still remains. I live in XXXX, XXXX and the agreement is for someone in XXXX XXXX, XXXX. Copy of the agreements they emailed me are attached. none of the information is correct.
Product: Debt collection

They continue to call the office. They do not provide information and hang up when we ask for anything. They leave voice messages on the company line when we do not answer with no information just to call the XXXX number about an employee
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE SENT TRANSUNION two letters pin XX/XX/2022 and the other in XX/XX/2022, to correct TWO accounts that they are reporting inaccurately which are FCRA violations. 
I have not seen a investigation nor have they corrected it. 

Ive included both letters and copies of both accounts credit report to reference.
Product: Mortgage

AS OF XXXX I KNEW A PAY CUT WAS COMING, WENT FROM SALARY TO Route BASE PAY, I CALLED MY Mortgage BANK THEN, AAKED FOR HELP, THEY SENT ME FORMS TO FILL OUT WHICH TOOK 15 DAYS TO RECEIVE NOT 10 LIKE THEY SAID. THE FIST NEVER ARRIVED I HAD TO START PROCESS OVER, WHICH TOOK ANOTHER 15DAYS TO ARRIVE THAT'S ONE MONTH, NOW XXXX I CAUGHT ON TO WHY MY PAYMENT WENT SO HIGH, I WAS BEING OVER CHARGED {$860.00} ON THE ESCROW AND INSURANCE. I HAVE REACHED OIT TO THEM AGAIN TO AT XXXX START PAYMENT BUT THEY WANT FULL AMOUNT FROM XXXX TO XXXX SEEMS LINE THEY WANT TO FORCE FORECLOSURE
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion is constantly reporting an account on my credit report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX was on my inquire that was not authorize by me.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number:90000035827**** Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXcount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 cause to believe that the information is inaccurate.
Product: Mortgage

my mortgage company Shellpoint Services offered to defer my payments for XXXX and XXXX of 2020 due to Covid, I said ok and they stated I would only have to pay the escrow due, which I did. 
I am now attempting to refinance my loan through XXXX and have to pay off the deferred amount to finish the approval process. I called shellpoint and asked how I could do that because the portal I use for my payments does not show that I owe any deferred amounts. they told me that the only way to pay the deferred amount is to pay the entire loan off which is over {$130000.00}.
Product: Credit reporting or other personal consumer reports

I was made aware that i was a victim of identity theft last month. I quickly found out that i had to file a police report and a fraud affidavit t o have the fraudulent accounts blocked within 4 days.
Product: Checking or savings account

As of XX/XX/2022, I contacted my online bank account, Capital One, regarding my ability to access my savings was seized. The bank representative informed me to contact a XXXX XXXX XXXX at XXXX, to discuss a debt regarding a XXXX XXXX in XXXX, Kansas. I informed the bank representative that I felt this was a fraudulent claim from XXXX XXXX XXXX, since I have never received documentation or phone call concerning this debt and its not on my credit report. 
Capital One should have informed me that my account was being held hostage by a scam/fraudulent claim by XXXX XXXX XXXX XXXX 
I will not call anyone that I feel is about to scam me out of money. Capital One should have contacted me about this, aware of previous scam incidents I have had on my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is showing on my credit stating I owe progressive {$600.00} but I paid that to XXXX. I have a receipt.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, Transunion, and XXXX on XX/XX/year> stating that they are inaccurately reporting my information, out of compliance with the Privacy Act, and USC Codes. 

According to the Privacy Act, no agency shall disclose any record- this means financial transitions - by any means of communication to any person or agency except pursuant to a written request or by prior written consent of the individual to whom the record pertains. 

I have not provided any written consent. In fact, I revoke any of my written, verbal, and implied consent with other financial institutions and this is my formal notice that Im opting out. 

XXXX XXXX XXXX has a privacy statement that they do not share with non-affiliated companies, yet this information has been shared out of compliance. XXXX XXXX also has a privacy statement that they do not share with non-affiliated companies, and this was shared out of compliance. 

I have attached the original letters to this case.
Product: Credit reporting or other personal consumer reports

In accordance of the fair credit reporting act TD Bank NA account number XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. Reporting late payments dates XXXX and XXXX of 2017. According to this statute, a creditor can not brandish a payment as late unless they can substantiate that requisite information was dispatched to the consumer at least 21 days before the due date. I demanded concrete evidence that this protocol was adhered to.
Product: Checking or savings account

Review case # XXXX After initially being dismissed, Bank of America conducted their investigation on the charges I reported after contacting the CFPB. While conducting the investigation, they issued two separate temporary credits for the fraudulent charges from my account. After completing their investigation, they determined that the fraud claim I opened was valid and accurate. They informed me that the temporary credit of the lesser amount would be permanent, but the credit of the higher amount would be reversed on XXXX  and told me, in short, they arent reimbursing for fraudulent charges that happened more than a year ago, so take it up with the merchant. They SUBSTANTIATED my claim and doubled down on their findings by deciding in my favor and making the temporary credit permanentbut dont want to make the larger amount permanent, although they have determined my claim is valid. It is reprehensible and completely unethical for them to advise me to fend for myself against the merchant and not reimburse me on charges that they know I didnt make, all because they feel like mehit was a long time ago, and {$500.00} is too much to make permanent, even for a customer of over 20 years.
Product: Debt collection

On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.
Product: Credit reporting or other personal consumer reports

I HAVE 3 INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE AND THEY NEED TO BE REMOVED IMMEDIATELY. BY LAW THEY HAVE TOO BE REMOVED. THANK YOU.
Product: Vehicle loan or lease

I made my regular payment on due date XX/XX/2023 First and then made a additional payment of XXXX XXXX and then called and asked for the XXXX to be applied to principle balance. On my new statement it said that the XXXX payment to principle went to interest. I called today and they said it was because i made the XXXX first than my regular payment which is incorrect. I have screenshots of the payment order with time stamps and the payment history on there website clearly shows the XXXX payment was the latest payment in order and the {$500.00} regular payment came first. I also attached a picture of my bank account when the payments were made and in the order they were made. I have made these type of additional payments to principle before. Company giving me the runaround with this issue. Company responded but is incorrect as i made my payment that took care of the interest on due date that took care of the interest up to billing cycle and additional principle on same day, agent on phone said it was because of the order, that i made the XXXX  first which went in as partial payment and went to interest and then the {$500.00} regular payment, that is incorrect as shown with documents that proves i made the regular payment first and then the principle payment, because of the order company denied my request to apply the XXXX to the principle balance. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX  Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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
Product: Credit card

This needs to be investigated and escalated immediately. In XXXX and XX/XX/year>2024, Discover credit card services sent me a letter stating that this account would be reported to the credit bureaus as 'DISPUTED '. THE SAME INFORMATION WAS GIVEN TO THE CONSUMER FINANCIAL PROTECTION BUREAU STATING THE SAME THING, THAT THE STATUS OF THIS ACCOUNT WAS GOING TO BE REPORTED AS DISPUTED. UNFORTUNATELY, THIS IS NOT THE CASE AS THEY HAVE REPEATEDLY REPORTED TO THE BUREAUS THAT THIS ACCOUNT IS CHARGED OFF AND OR DELINQUENT. THE REASON I AM DISPUTING THE STATUS OF THIS ACCOUNT IS FOR THEIR MISHANDLING OF PRIOR PAYMENTS MADE BY ME AND SO LONG AS I AM FIGHTING THIS WITH DISCOVER THEY SAID THEY WOULD REPORT THIS AS DISPUTED AND WOULD REPORT IT AS SUCH UNTIL I, THE OWNER OF THIS ACCOUNT, WOULD ADVISE THEM TO NO LONGER REPORT IT AS SUCH. WHAT DISCOVER SAYS AND DOES ARE TWO COMPLETELY DIFFERENT THINGS NEVER FOLLOWING THROUGH ON WHAT THEY SAY AND WHAT THEY NOW HAVE PUT INTO WRITING. WHILE I AM IN FACT PURSUING LEGAL ACTION AGAINST THEM THEY SIMPLY SEND A REPORT TO THE CONSUMER FINANCIAL PROTECTION BUREAU STATING HOW THEY'RE GOING TO RESPOND THEN KNOWINGLY RESPOND OPPOSITE TO THEIER STATED ACTIONS. THIS HAS CAUSED DETRIMENTAL EFFECTS TO MY CREDIT SCORE MY CREDIT REPORT AS WELL AS AFFECTING MY WELL-BEING SINCE THIS ACCOUNT, AND ONLY THIS ACCOUNT, IS CAUSING MY CREDIT REPORT TO LOSE XXXX POINTS SIMPLY BECAUSE THEY REFUSE TO REPORT IT AS THEY SAID THEY WOULD, 'DISPUTED '. IN THE LETTERS THEY ALSO STATE THAT SHOULD I HAVE ANY QUESTIONS TO SIMPLY CALL THEM AT THE NUMBER PROVIDED. UNFORTUNATELY, THIS IS ALSO SIMPLY STATED TO MAKE IT APPEAR AS THOUGH THEY ARE WILLING TO DISCUSS THESE ACTIONS AGAINST ME BUT FOR WHATEVER REASON I AM UNABLE TO CONNECT TO ANYONE NOR DO THEY RETURN ANY OF THE MESSAGES THAT I HAVE LEFT AND THERE HAVE BEEN SEVERAL. THEY'RE REPEATED ACTIONS NEED TO STOP AND THEY NEED TO SIMPLY DO WHAT THEY SAID THEY WERE GOING TO DO AND WHAT THEY NOW HAVE WRITTEN THEY WERE GOING TO DO.
Product: Debt collection

Dear [ Synchrony Representative ], Thank you for your response regarding my concerns raised through the CFPB. I appreciate the detailed explanation of the settlement terms and the reporting of my account. However, I would like to clarify a few points and request further action : Lack of Alternative Settlement Options : At no point was I informed of or given the opportunity to agree to a settlement that would result in the removal of this account from my credit report. This lack of disclosure limited my ability to make an informed decision, which raises concerns under the principles of transparency and fair treatment outlined by the Consumer Financial Protection Bureau ( CFPB ).

Request for Documentation : In accordance with the Fair Credit Reporting Act ( FCRA ) ( 609, 15 U.S.C. 1681g ), I kindly request documentation or proof that shows I was offered multiple settlement options, including those that could have resulted in the removal of the account from my credit report. If no such options were presented, this omission could potentially disadvantage me as a consumer, as I was not provided with the full range of settlement opportunities.

Accurate and Fair Reporting : While I understand Synchronys position on accurate reporting, I would like to highlight that under the FCRA ( 611, 15 U.S.C. 1681i ), consumers have the right to dispute and request corrections to credit information they believe is incomplete or unfair. The lack of transparency in offering alternative settlement options affects the fairness of the reporting process in this case. 

XXXX XXXX Request : As the account has been settled, and I have shown my commitment to resolving this debt, I respectfully request Synchrony to reconsider removing this account from my credit report as a goodwill adjustment. Doing so would not only resolve my concerns but also demonstrate XXXX dedication to consumer satisfaction and fair practices. 

I hope you can address my concerns promptly and provide a resolution that supports both parties. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I deposited {$1500.00} dollars into coinbase pro. After the deposit, I received an email from coinbase that stated : " Hi XXXX XXXX, Due to an insufficient funds error from your bank, we weren't able to authorize your transaction for {$0.00} USD / {$1500.00} on XX/XX/2020. We haven't processed this transaction or charged any cancellation fees. Please feel free to try this transaction again using a different payment method. '' However, I had {$1800.00} in my bank account and I was charged {$1500.00} XXXX by coinbase. Although I was charged {$1500.00}, I never received the money in my coinbase or coinbase pro account. I contacted Coinbase and they have not responded and the money ( {$1500.00} XXXX XXXX has been taken out of my primary bank account. When you click on the deposit it says : " is_instant_usd : true coinbase_payout_at : XXXX coinbase_deposit_id : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my express consent orally or written neither did I authorize these inquires to be furnished on my consumer reports pursuant to federal law from the following corporations : XXXX. XXXX XXXX XXXX - 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. TRANSUNION INTERACTIVE- XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX FTC Report XXXX : XXXX for identity theft
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX