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

I reviewed a copy of my credit report and noticed some accounts that are the result of fraud I also noticed some inquiries from hat are a result of the fraudulent account please block the following accounts and inquiries Accounts XXXX # XXXX {$1500.00} XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

All collections and charge off accounts and hard inquiries needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB ^r complaint from my consumer credit file within 4 business days of receiving said complaint. I ^r request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Debt collection

I received a summons to small claims yesterday for two emergency medical bills accrued during the pandemic and that also fell in a grey area when looking at what my Medicaid covers retroactively. I spoke with the debt collectors in XXXX of this year to explain that. After no further contact, I thought Medicaid covered one or both of the accounts. I definitely did not think Id be sued, given I had made recent payments on other accounts and had long standing unpaid accounts that werent attempted to be collected as aggressively. Both the collector and his supervisor made disparaging comments to me about my financial state and laughed while saying he cant wait to see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX, I sent in dispute letters to all three credit bureaus. Equifax is the only company that has not responded to either time I sent in dispute letters. The other credit bureaus responded within 30 days, and also removed the information I disputed. The accounts I disputed are listed below. Please note that these have all been removed from the other credit bureaus XXXX  and XXXX, thank you. 

XXXX XXXX XXXX XXXX - # # # # # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX- XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sages Stream is reporting a bankruptcy on my credit report and they have put in this data furnisher as the US Bankruptcy Court of Georgia which is false I have attach a letter from the US Bankruptcy Court of Georgia verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information on my credit report and has yet to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to them many times informing them that they had the incorrect information and to remove these incorrect addresses and accounts from my report. I have advised them to sent me original contracts with my name and signature on them but they have failed to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : Account No XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 

Its also violation of permissible purposes. So they also need direct written consent from me XXXX XXXX XXXX to report anything on my credit report. So without my direct written consent of reporting child support thats on my credit profile is in violation of my rights.
Product: Mortgage

XXXX XXXX XXXX WAS MY LENDER IN XX/XX/XXXX, BE FORE THEY SOLD MY MORTGAGE TO NATIONSTAR,, AND ITS BEEN 2YEARS AGO,, THEY NEVER TOLD ME ABOUT IT AND THIS COMPANY,,, I HAVE MADE MY PAYMENTS ALWASY ON TIME, THE PAYMENT BEFORE THEY SOLD MY LOAN WAS {$660.00} INCLUDING ACROW AND EVERYTHING,, AND NEVER HAD A PROBLEM UNTILL NATIONSTAR TOOK OVER, I NEVER NEW HOW OR WHAT HAS HAPPEND, BUT I FIGER THAT SOME LENDERS DO SELL THE NOTES, BUT I NEVER NEW THAT THIS COMPANY WAS A COLLECTER AGENCY, BUT THE ISSUE IS THAT EVERY MONTH THERE IS A DIFRENT AMOUNT ON MY MORTGAGE PAYMENTS AND DO N'T UNDER STAND WHY,, I HAVE CALL AND THEY HAVE TOLD ME THAT ACROW IS LOW, WHAT THE XXXX IS ACROW,, I MADE A FIX MORTGAGE FROM THE BIGINING INCLUDING ALL OF THAT ACROW THING, NOW ITS BEEN TWO YEAR IVE BEEN PAYING DEFRENT PAYMENT ON EXPLAN, MY MORTGAGE WHENT UP LAS YEAR FOR THE TAXES INCRISS OK,, IT WHENT FROM {$660.00} TO {$690.00} I SAID OK, I PAID THAT AMOUNT FOR TWO MONTH, BECOUSE ON XX/XX/XXXX FOR MY SURPRICE, THE DEFRENT AMOUNT STARTED TO ADD UP UN EXPLAIN, TO {$700.00} I PAID IT AMOUNT FOR 3 MONTH THE SAME AMOUNT, THEN ON THE THE XX/XX/XXXX THERE WAS A NOTHER DEFRENT AMOUNT UN EXPLAIN FOR {$810.00} WHEN I PAID MY MORGAGE ON TIME, THEN NOW IT WAS OK UNTILL XX/XX/XXXX A DEFRENT AMOUN OF {$760.00} I PAY IT AND NOW IN XXXX AGAIN THEY ARE CHARGING ME {$800.00} THERE SAYING THE ACROW IS LOW, WHAT ARE THEY HIDDING, THEY ARE JUST RIPPING US OFF, I HAVE SEND XXXX NOTES ON LINE BECOUSE OF THIS CITUATION AND GOT BACK ONLY XXXX RISPONDS SAYING, THERE ARE LATE FEES OF {$12.00} WHENT THE PAYMENTS ARE LATE, LIKE I DO N'T NOW THAT, THERE ARE CHARGING ME LATE AND ACROW PAYMENTS WHENT I HAVE FIX RATE! AND HAVE PAID ON TIME, I PAID THE XXXX OF EACH MONTH AND THE LATE PAYMENT STARTS AFTER THE XXXX, THEY ARE COLLECTER AND SINCE THEY CAINT RICED THE RATES THEY HIDE IN THE LATE AND ACROW PAYMENT TO RIP US OFF IN MORE MONEY, IF IT KEEPS RISING THAT WAY, I WONT BEABLE TO PAY,,,. I EVEN GET SCARE WHEN I AM GOING TO CHECK ON MY MORGAGE PAYMENT AND SOME OF THE PAYMENT ARE NOT EVEN POST IT ON LINE, WHEN THEY HAVE DEDUCTED FROM MY BANK, WHY DO THEY ALOUD THOUSE COMPANY TO DO THAT,, THATS VERY STRESSFULL, XXXX XXXX XXXX SHOULD BE SUE FOR SELLING OUR MORTGAGE AND NOT LETTING MORTGAGERS NOW, AND PUT US IN THOUSE PEOPLES HANDS TO MADE OUR LIFE MISSERABLE, I AM SO MAD AND FRUSTRATED. NEED HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a fraud alert. When trying to resolve the Issue with the 3rd World country in XXXX they refuse to transfer me to a U.S. representative. I asked to speak to a supervisor and the people in XXXX refused to do so. I asked to cancel my card but they refused to do so. I explained that I will NOT give them pertinent information in fear of fraud and they refused to help! I don't know what to do anymore. There is too much fraud due to 3rd World representation to save $ . The American people are suffering from lack of quality control. XXXX XXXX has instructed XXXX to refusal of U.S. help. I do NOT trust my personal information to be in the hands of a impoverished country with no moral compass. When will this stop!? The timeswere XXXX and XXXX on XXXX
Product: Checking or savings account

On XXXX my phone was taken and it appears it was able to be accessed and someone sent themselves around XXXX $ on XXXX. I disputed via XXXX app but could not get any success via their support. I tried to call chase bank and report this and get it reported as fraud but all the rep did was order me a new debit card from the returning correspondence I received from chase. I do not have a copy of my police report yet but have included a screenshot w the tracking number awaiting it to be filed. 


Also it appears there may be some flaws via the XXXX app that are not being addressed as a quick look into this it happened for others, but the XXXX app auto disables biometric settings on updates which leads to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I disputed golden XXXX on my Trans Union credit report in XXXX. I sent in a police report. XXXX XXXX Bank was then removed and found inaccurate. In XXXX XXXX XXXX reappeared on my trans union credit report. I immediately called trans union and disputed the item as already been disputed and removed. I disputed it several time and each time they refuse to remove it. Ive suffered enough to constantly have this issues hinder me.. thank you in advance for your time.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 XXXX XXXX Bank returned my wire payment of {$25000.00} to my account at Bank of America. However it never appeared back in my account and now I have a claim open with Bank of America, claim # XXXX for almost 30 days at this point, keep calling them almost every day, multiple times a day and they do nothing, just lie to me. They keep promising that the analyst will call me in 24-48 hours which never happened. Nobody called me from Bank of America. On the XX/XX/20 my claim was finally escalated to the Bank of America supervisor XXXX XXXX XXXX, employee # XXXX and after providing him information from XXXX XXXX he finally confirmed that he now can see my returned wire payment of {$25000.00} at Bank of America and that it will be deposited to my account in 24-max 48 hours. Today is already XX/XX/20 and 48 hours have passed and my funds are still not back in my account. I called Bank of America today again and now they claim they don't see the funds. This is a joke. I'm very upset at this point, to see how a bank I've been a client of for about 30 years ( I have a business account there as well ) is lying to me and doesn't care about me. 
We also went in person to XXXX XXXX and the representative helped us to trace the returned wire and confirmed it was returned on XX/XX/20 to Bank of America to my account. The XXXX XXXX XXXX # XXXX, XXXX XXXX phone : XXXX, XXXX number for the returned wire transfer XXXX. Please see also the proof of the returned wire transfer from XXXX XXXX from XX/XX/20. 
I request my {$25000.00} to be released and credited to my account immediately!
Product: Credit card or prepaid card

Chase bank closed my credit card in this XXXX, XXXX, siting " association with a chase credit card, deposit or investment account that was previously closed ''. I have been paying the card on time and in full every month since I opened it in XX/XX/XXXX, I never once had an issue and I have been using it regularly for normal daily spending such as grocery, dining, clothing shopping. I called to ask for a specific reason, I was not given XXXX. I needed a credit card so I applied for another one issued by Chase in XXXX, XXXX and was granted one right away with a high credit line. A few days ago I received the statement from Chase saying they are closing this credit card in XXXX, siting the same reason. I called twice, emailed a few times asking for a specific reason but still was not given one. Again, I have not had any issues. I even checked my credit score, it is excellent. During the time I had the credit card, I had no issues, Chase never contacted me regarding any issues they might have.
Product: Credit card or prepaid card

I had a credit card with capital one I have paid my card on time, in XX/XX/2015 I got held at XXXX point and lost over {$15000.00} worth of equipment, money and personal property. Including my mobile device! I had contacted capital one and alerted them of the incident however I lost my job and I told them to close my account Ill make my last payment I soon as I can. They didnt close the account and I have many late fees and and overdrafted my bank for over {$3000.00} and ruin my credit after that. 

I received multiple phone calls from a third party whom capital one has sold my account to and got my identity expose and lost my job due to that business calling my phone none stop and reported also on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Statement of Inaccuracies on Credit Report I am writing to formally dispute inaccuracies on my credit report. My name is [ XXXX XXXX ], and my Social Security number is [ XXXX ]. 

Upon reviewing my credit report, I found the following inaccuracies : 1. [ Account XXXX XXXX XXXX XXXX  ] : This account shows [ describe the error, e.g., inaccuracies Are XXXX  Account Type - XXXX XXXX Status - PAID, CLOSED Status Updated - XX/XX/XXXX Balance Update - Paid Off - Past due - XXXX Account Type - INSTALLMENT Status - PAYS ACCOUNT AS AGREED Status Update - XX/XX/XXXX Balance Update - XXXX XXXX Paid off - 100 % Past Due - TRANSUNION Account Type - INSTALLMENT ACCOUNT Status - PAID OR PAYING AS AGREED Balance Update - XX/XX/XXXX Past Due - {$0.00} Thank you for your attention to this matter. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ALLY FINANCIAL for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX  performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : XXXX. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

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

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for account # XXXX with XXXX XXXXXXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX XXXX account shows discrepancies across bureaus, including incorrect 30-day late payments in XXXX for XXXX, Experian and XXXX, despite on-time payments. High balance varies, with {$300.00} reported by XXXX and Experian, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I applied and received an online account with XXXX XXXX that later turned into just Synchrony Bank. I was told I had the option of paying interest as I go or delaying interest payment. I chose to pay as I go. When I called, they said I did n't have the choice. They changed it without my permission to delayed interest payments as long as payments were made on different amounts in different periods of time. But no matter how I made my payments, they shifted money around that did n't pay off the things they said I had paid for with delayed interest, which I never wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX sold my debt to NCB Management Services , INC., who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but XXXX did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. 

This seems like double jeopardy. XXXX sold the debt to NCB Management but is still actively holding the credit item on my account. NCB Management agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or XXXX is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? XXXX or NCB Management. XXXX must comply with the terms that were made after they sold the debt.
Product: Checking or savings account

Any time I use my debit card for XXXX purchases or at a store. basically any time I make a purchase that doesn't require me to enter my pin number to make a purchase. the transaction shows as credit transaction. Even though it's a credit transaction the money comes out of my account Immediately. But Wells Fargo transaction will show as pending till transaction post days later. So if account goes into negative before those pending transaction post I get charged XXXX overdraft fees for each transaction. Even though my account wasn't negative at time of those transaction and even though the funds were available and deducted from my account.
Product: Credit reporting

Why are you ; THE CFPB, giving Equifax XXXX more days to do an investigation that the dispute was sent to them ON XXXX. XXXX!!!!???? DISPUTE CASE # XXXX!! THEY HAVE ALREADY HAD OVER XXXX DAYS. WHAT ARE YOU NOT ENFORCING THE LAW??
Product: Credit card or prepaid card

I have a Synchrony Care Credit Card. I had an existing balance of XXXX dollars that is charged interest until paid off at XXXX dollars per month. I have paid extra before a new charge of XXXX at no interest for 6 months. This is illegal and I have spent day waiting for higher up Synchrony Managers that told me the Synchrony Employees were wrong that I was correct. I can pay my regular XXXX dollar payment and XXXX toward no interest. First, I was told by lower XXXX to call each month and spend hours on hold after I make payment to get it reapplied or do it in 6 months and I said no I am XXXX this is unacceptable they refused other payment process as well just so that I can be cheated and never received the 6 month promotion of XXXX They told me pay XXXX for 6 months if you want and XXXX regular. They are not equipped to handle the promotion they offer. I want this fixed. I was charged XXXX dollars interest as part of this illegal scam. They are now saying they have no way to fix this even though the low manger said they would but higher manager said they must apply payment in excess of XXXX regular payment toward no interest. The do not understand my middle name is XXXX. That my full legal name is XXXX XXXX XXXX and when I say my name is XXXX XXXX they ask if I go by another name. I said you use my middle name but people say first and last name. This is my full legal name. The manager in XXXX told me he has no means of fixing this while telling me to call after making payment not when tryign to make payment or other means. This is nothing but a fraud scam. This is severe consumer fraud.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( EXPERIAN XXXX XXXX XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, EXPERIAN ) THE ABOVE ACCOUNT KEEP BEING REPORTED ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT IN XXXX AND XXXX AND HAVE NOT OPENED THESE ACCOUNTS. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 
I HAVE TRIED CALLING AND DISPUTING DIRECTLY WITH EXPERIAN AND XXXX AND XXXX. PLEASE REMOVE THESE DISCREPANCIES.