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

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 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 any purpose.
Product: Debt collection

I signed up for XXXX XXXX, ALSO XXXX XXXX, XXXX internet in XX/XX/2020. The internet equipment delivered was stated to be an easy self-installation. I spend several hours on hold waiting for customer service to have a technician sent to my house. A technician was finally scheduled on XX/XX/XXXX, but his arrival was 4 hours after the scheduled window of arrival time, and I was unable to be there to let him in. Several attempts to reschedule were not accommodated. I spoke to customer service several more times and they indicated I would not be charged as I never received any services from them. I returned the equipment to the local branch. On XX/XX/2020 they referred by debt to AmSher collection services. I told them the debt is invalid as I never was able to use the service nor connect to the internet through there services. They took this back to XXXX XXXX, XXXX who continues to contend that the debt is valid. AmSher is threatening to place a collection account on my credit report, and I think this is invalid and highly unethical. 

My Creditor account number is : XXXX My AmSher Acct # is XXXX I'd like to stop receiving phone calls and letters related to this and have this unwarranted collection service to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute  XXXX   XXXX   XXXX  on credit r eport number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Checking or savings account

I called Wells Fargo on XX/XX/XXXX to advise them of a fraudulent charge on my XXXX account dated XX/XX/XXXX listed as XXXXr {$310.00}. They opened an Investigation during the investigation it was determined that XXXXXXXX  has been taking anywhere from XXXX cents a month from my account starting in XX/XX/XXXX. Wells Fargo closed the Investigation and issues me a final credit of XXXX cent. They are refusing to refund my money from the date of XX/XX/XXXX because they say they only pay for fraud for the first XXXX days from the date it started and they don't have to return my money due to the time frame. I was not aware of the other transactions and they don't concern me as they sum was low. I would like to have my money returned and Wells Fargo stick by their fraud protection guarantee.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX # XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

tonight they called at XXXX and XXXX. this is almost a daily occurrence. most of the time they let it ring twice and hang up not giving me time to answer. i have told them before to stop calling me. also requested a letter of my debt and never received it. most of this was covered by a financial assistance and this company offered no help to solve these issues. it is harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrect information regarding an outstanding balance due on XXXX - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however Equifax and XXXX have not removed this item. This inaccurate reporting is harming my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

I revoked all payment authorization from Solo Funds and received two different forms of confirmation ( email and instant messaging through app ). I did this 10 days prior to the loan due date. 
On the loan due date, the payment was still withdrawn from my bank account, although I had confirmation that they would not. 
Payment authorization was REVOKED. 
I have emailed back and forth with this company ever since and they are ignoring the issue. 
I know my consumer rights to revoke payment authorization, and was told that my request was approved. 
I need my money refunded immediately.
Product: Debt collection

XX/XX/XXXX  I was notified via my credit monitoring service that a Collections flag was added to my credit report for {$52.00}, added by CREDIT COLLECTION SERV, for debt purchased from XXXX XXXXXXXX XXXX. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV about collection acct. # XXXX not belonging to me. Because MY personal information did not match theirs they would not assist in removing this accusation from my credit report, or provide any additional information about it. Instead required me to send my personal information, ( photo copy of my State ID, AND a copy of my credit report to them either by FAX or postal mail ( either could be intercepted by any number of " bad actors '' and subsequently used in identity theft ). 

XX/XX/XXXX  Contacted XXXX XXXX XXXX ( original creditor of the acct in question ) Who provided the original policy number and the name of the person to whom the debt belongs. XXXX also noted the account ( policy # XXXX ) with our discussion and verified the debt did not belong to me, and stated the collection service call them. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV again with the new information obtained from XXXX, and requested they call XXXX to confirm. I was told this would not happen and again instructed to put my personal information in jeopardy by sending it to them. At this point I was getting angry, to me, the impression of their response was to NOT target the actual debt bearer, but to extort ME for MY personal information. At the time I stated, I would be contacting an attorney. 

XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  In lieu of contacting an attorney, I'm filing this complaint.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have also attached my FTC report with the report number XXXX
Product: Debt collection

Banco Popular de Puerto Rico is reporting as adverse an account from XXXX as a Real State Mortgage debt in my credit report with delinquency of 120 days in XXXX to XXXX. 
1. The original creditor was XXXX and was not a Real State Mortgage.

2. They both creditor are ignoring my right to verify the debt and sending me one to the other. 
3. It's a time-barried debt.
Product: Checking or savings account

Per Citizens ' response to previous complaint XXXX I sent them an email requesting the accounts be closed. Although I have had a Read receipt no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the credit bureaus to Get them to verify my bankruptcy. my results came back verified but the court house do not share information with third parties like bureaus. The law states that they must verify with the original furnisher which is the court. The bureaus are in violation of the law and I demand this bankruptcy and bankruptcy accounts are deleted due to improper verification. I have enclosed documents showing that the courthouse doesn't share information with credit bureaus. I also put a freeze on my XXXX XXXX, which they stated they got the information from. Clearly another lie because I put a freeze on it and they are not the original furnisher of bankruptcy information. I know the laws and I'm prepared to exercise them.
Product: Credit card

I closed my account in XX/XX/XXXX. I had until XX/XX/XXXX to pay off my account. I paid my account balance IN FULL. CitiBank did not close my account, moved me to a different credit card, and has been charging me interest and late fees for XXXX  months now. I've asked them to close this account, they refuse. I've asked them to remove the fees, they refused. 

They are now harassing me by calling EVERY SINGLE DAY
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon Sir/Madam Last year at XXXX I thought I signed contract with XXXX XXXX for XXXX Training and I didnt complete it, just attended for couple of days then XXXX XXXX XXXX after that my grandma went to intensive care at XXXX so I fly back there when I came back I sent email to my recruiter at XXXX and we agree after I took my XXXXXXXX XXXX  she will get me back to school. But what happened my grandma passed away so I need to go back and my mother got sick so I stayed for 3 month when I came back tried to get in touch with my recruiter but never answered me anyway I found the loan was from banks, I tried with XXXX XXXX either they get me back to complete my training or send the money back to the bank, the respond was get another loan to go back or call the bank this is not fair! I called the bank they told me either to pay the money or call XXXX XXXX! 
I felts I got framed from both of side as I was welling to just pay what I attended. 
Sorry if I got to long just to explain all details as I feel I got scammed by two companies, hope you get justice for me as the end I told them that I am going to complain for counsumer protection they said go ahead Regardless XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX- Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports Update the late payments to paid as agreed.
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. 
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. 

Account name : 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 XXXXhas violated my rights.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I have 23 hard inquirys on my credit report with TransUnion that I didnt apply for credit also XXXX where someone applied for things using my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from Synchrony Bank where they lowered my credit limit for the following four reasons : 1. Lack of Real Estate Secured Loan information.

2. Average time since accounts opened is too recent.

3. Average time since revolving accounts opened is too recent.

4. Too high proportion of accounts recently opened. 

This automatically affected my credit score. Regarding the four listed points, I have the following observations : 1. False. I have never had a real estate loan since the beginning of my credit history.

2. No more accounts have been opened since the beginning of the business relationship with Synchrony Bank.

3. See point 2.

4. See point 2. 

Additionally : a. I have always paid before the due date and have paid more money than requested. 
b. They can verify that the only change in my credit history was reported by Synchrony Bank, so this is what affected my credit score. 

Therefore, there was no reason for them to lower my credit limit. I am not interested in using credit with Synchrony at the moment, but for my personal and professional future, it is very important to take care of my credit score. They should have found a way to NOT affect my credit score. Right now, this will affect me drastically as I obtained a job where I will require financing and because of the lowered score, I may end up being affected. 

I hope you can resolve my problem as soon as possible. I have a family to feed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the 1980 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account  Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDNELNET 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: Debt collection

I HAVE FOUR DISPUTE NAME XXXX XXXX THE Account number is XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting 3 accounts that are not mine showing as closed on my credit report. Remove them from all 3 credit agencies immediately and cease reporting under these closed accounts
Product: Student loan

Hello, I keep submitting my PSLF forms and the payments are not updated. There was carry over from XXXX XXXX  that was not ever processed. I have resubmitted and can not get ahold of a representative ( Mohela hangs up, long prerecorded messages to listen to ). 

Just a difficult company to work with, can someone help?
Product: Debt collection

discover bank has not responded to my certified letter and they are continuing to report this fraud account to my credit report which is inaccurate.
Product: Student loan

I have XXXX loans with Discover Student Loans they have now been transferred over to another institution. However it still shows me as having missed XXXX payments on the dates of XXXX XXXX and XXXX of XXXX  for both of them. I called to explain I had gotten severely ill with XXXX as I was an essential employee during those times working at XXXX XXXX XXXX XXXX. I called them to notify I would be missing payments for the next 3 months. They confirmed I would receive an extension and pause my payments without repercussion to my credit score payment history. But it shows no payment and late on those XXXX payments
Product: Credit reporting or other personal consumer reports

I am a foreign national, and my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in English, but I am providing the necessary information. Can you assist me? These accounts do not belong to me ; someone has used my information. Could you please remove them? Here are the following accounts : 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

I

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; CHILD SUPPORT XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.