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

The Credit Bureaus stated my accounts XXXX XXXX XXXX as well as XXXX XXXX were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. According to 15 USC 1681i ( 5 ) ( A ) If, 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 ; YET I was not provided with these documents.

The companies for which I am filing this complain are all in violation of the law ; 15 USC 1681 section 602 A. Which states I have the right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : In accordance with the written instructions of the consumer to whom it relates. These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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 XXXX years. To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; For the purposes of this complain I am demanding a retribution of { {$1000.00} } per violation found on my credit report These accounts were disputed and came back verified XX/XX/2022 as well as XX/XX/2022, I also sent letters XXXX XXXX report numbers : XXXX, XXXX.
Product: Debt collection

I initially ordered service at a XXXX store for XXXX  service at my home on XX/XX/XXXX. At that time I signed a XXXX year contract for service. When my contract was up on XX/XX/XXXX I did not sign for renewal for a new contract. My XXXX year contract XX/XX/XXXX - XX/XX/XXXX had a excellent payment history, never a late payment! I continued with XXXX until XX/XX/XXXX on a month to month basis paying all monthly bills on time never late. On XX/XX/XXXX I informed XXXX I am canceling the service and returned their equipment. I was sent a final bill which I promptly paid. On XX/XX/XXXX I received a call from Sunrise Credit Service claiming I owed {$150.00} for an early termination fee. I informed the rep that my contract was paid in full and I did not sign any new contract. I then asked the rep to send me a copy of the new contract which she did not have. The rep informed me that they would look into it and if I did not hear back from Sunrise within XXXX weeks don't worry about it. I did not hear anything back from Sunrise for XXXX  months. I received a call from Sunrise on XX/XX/XXXX different rep same claim that I owed a termination fee. Once again I explained the full story to her, she also did not have a copy of a new contract that they claimed I signed. Once again Sunrise was to get back to me with a copy of the new contract and I have not heard back as of this writing. They never got back to me because there is no new contract. I received a notice from XXXX that a collection notice was placed on my account. My credit score for the past XXXX plus years was over XXXX, last month it was XXXX. My credit history is excellent. If I owed XXXX any money I would have paid it, all you have to do is look at my credit history! This is harassment by Sunrise in trying to collect a debt when no money is owed! 
XXXX XXXX
Product: Checking or savings account

My partner and I are joint account owners on account ( I am fully aware that means XX/XX/XXXX ). 
ON XX/XX/XXXX ( Friday ) he was arrested for XXXX XXXX  my XXXX XXXX XXXX after her disclosure with full admission on his behalf. By Monday, his sister had gained XXXX XXXX XXXX and removed all the money from my account. When asking for the POA, I was not allowed to see it ( although they did not open until Monday and the money was removed Monday, also.. they acted surprised after the heard what happened as if they were lied to completely ). They told me they would look into it, because the manager was not aware of a POA taking the money out if there was a joint account owner that was not an elderly on the account. They refused to print the policy for me. 

After gaining the POA, I have a hard time believing it was ever verified ( discrepancies in signature and wishes ... and " he '' signed for " saving his eggs in case of an emergency '' among other odd requests ). 

After this, I asked to close the account that is now at a {$0.00} balance, and they said they could not without his signature and could not do it through the POAs signature? I could not be removed without his signature ( although I am not allowed to have contact with him and he is XXXX XXXX XXXX  ). I then tried to keep the balance up and close all the automatic drafts coming out and then asked to turn off automatic drafts- after catching it up.. they continued to allow it to be overdrafted with his credit card and other automatic payments that I had no control over. Now they are sending me a default paper and refuse to correct any of it. 
I feel I did everything I could from the beginning. I took ownership of the joint account even though I still don't believe it is ethical even if it is legal but after all of that, I do not see how I could possibly still be responsible or how a judge would see it that way if I were to take it further. I need to know the next steps to take. 
Thank you.
Product: Credit card

I was checking my credit report today and noticed an account I didn't recognize. Synovus First Digital. I never opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to Equifax, XXXX, and XXXX regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.
Product: Debt collection

Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've have yet to hear back from the company 30 days to respond, I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RAN MY CREDIT ON EQUIFAX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four years I have applied for a XXXX Card thru Barclays Bank. Every year I am denied. In XX/XX/XXXX, I applied for a XXXX  card thru Barclays Bank and was Approved. XX/XX/XXXX I applied for another XXXX   Card thru Barclays bank and was denied. So, I contacted customer service and spoke with the review department and was able to speak to XXXX and escalated to XXXX.

XXXX. advised that the XXXX card was denied. They had not run a hard hit but due to the records on file in house of a bankruptcy from XX/XX/XXXX it was the reason for the denial. I asked how long would this record be on file and he advised he was unsure and had know knowledge if it would be removed from their system. I was also advised that this was the policy, which he could not give me specifics on their policies, could not email or mail me anything. Then I advised him of my XXXX card that has been in good standing for the last 4 years, that was approved by them which was closed this month due to XXXX  closing. He goes on to advise me that its a possibility that the card fell thru the cracks! Not the case, because they could have closed my account.

The supervisor XXXX was no help either and simply reiterated was XXXX said. I feel that their practices are unfair, the don't provide information that makes any sense to the consumer. What can be done to assist me with this matter?
Product: Credit reporting or other personal consumer reports

I did not share my information with this company yet they looked into my credit score and triggered a fraud alert which I was just notified of.
Product: Credit card

A prepaid credit card was issued by XXXX XXXX as an incentive back in XXXX. The card had a XXXX expiration, which I was not able to use. I called the credit card info center : XXXX ( XXXX ) to ask for a new card. The card issuer is XXXX. They told me that the account already has a XXXX balance and they can not issue another card. 

XXXX expired XX/XX/year> Amount : {$300.00}
Product: Credit reporting or other personal consumer reports

My credit report shows that, which is very concerning. These accounts exist on my credit report because I was a victim of identity theft. I'm really affected by these accounts because they're not mine and I shouldn't be liable for how they were opened.
Product: Debt collection

* On XX/XX/2019 paid {$160.00} balance on account with XXXX XXXX * On XX/XX/2019 returned all equipment to XXXX XXXX after I had stopped the service. 
* On XX/XX/2019 received letter dated XX/XX/2019 from Berlin-Wheeler, Inc ( BW ) collections agency demanding payment of {$270.00}, in full for past account balance and for equipment charges on behalf of XXXX XXXX. 
* On XX/XX/2019 spoke to XXXX and they were going to check into the issue. 
Spoke to BW on numerous times and informed them that XXXX was looking into this issue. 
BW told me that as long as XXXX is researching the issue they will hold off on further collections activity. 
* On XX/XX/2019 XXXX credited my account and promised to continue the research of the lost returned equipment but asked me if I could pay the full balance remaining so as to stop the collection activity and promised that XXXX will credit back the payment when they find the equipment. XXXX wanted to do this because I continue to maintain in good standing another XXXX account in my present home. 
As such, on XX/XX/2019 I paid by VISA credit card the full remaining balance of {$210.00} with XXXX. 
* XXXX assured me that the payment has been immediately reflected on the account and BW will be notified of the satisfaction of all outstanding balance and fees on their online account systems and will stop collections activity immediately. 
* I have contacted BW after the full balance payment to XXXX and they acknowledged that they do see that the full balance payment has been made. 
* However, Berlimn-Wheeler ( BW ) filed a negative Credit Report on me and has continued to file negative Credit Report updates on my account and has refused to stop reporting unless I make a payment to them also. 
* I am hereby requesting that Berlimn-Wheeler ( BW ) to stop filing false and derogatory and negative Credit Reports on me and for falsely demanding payment  when full payment has already been made.
Product: Credit reporting or other personal consumer reports

I reported the XXXX XXXX account as inaccurately reporting as closed on my credit report with an unpaid balance. When I called Credit Acceptance they stated the account is open and active but refused to disclose information with me and gave me a thirds party to contact and when I contacted the thirds party I was told that they will not give me any information. This is unfair.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> XXXX Agent on behalf of principal XXXX XXXX tried to extend credit in got denied due to credit scores. XXXX XXXX found it overwhelming and frustrating to not be approved for the VENTURE X CARD that CAPITAL ONE provides. Due to the denial XXXX XXXX has suffered financially, mentally, and socially. To get this matter handle quickly is all XXXX XXXX is asking, and graciously want to give CAPITAL ONE an opportunity to cure before sending out a default judgment.
Product: Debt collection

I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by EOS contacting me, calling me and my family members and sending me letters regarding {$360.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since I had settled the sum in full with XXXX XXXX XXXX!!!. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile 's. this is getting alarming!
Product: Mortgage

I never applied for mortgage. Our gave out any information to any lenders or banks to have them check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported to IRS and credit bureau that they lost {$4900.00} in the short sale and this is not true. I paid Greentree in the short sale and nothing was suppose to be reported as this was due to my spouse XXXX overseas and we had to sale the house. We were paying them as agreed. They also reported to IRS XXXX as debt lost and earn income of {$4900.00} which is not true. Greentree got the bulk of their money so no XXXX should have been reported to IRS. We went under the SCRA, relief act for XXXX XXXX military. We provided Greentree with XXXX to overseas. They went back on their word. Now this new company that has merge with Greentree has report incorrect information that is affecting my credit and my taxes for 2015. 

XXXX XXXX XXXX from Ditech responded to first compliant but did nothing to address the miss information that was reported. Please have her call or email me so I can get correct. Thanks
Product: Debt collection

XXXX XX/XX/XXXX dont owe never open a XXXX account Fraud
Product: Credit reporting or other personal consumer reports

unauthorized use of my personal information by transunion specifically their actions in including or modifying entries on my credit report without my expressed written consent. These actions violate consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and relevant provisions under 12 CFR 1022.3, which define identity theft and emphasize the need for proper authorization when handling consumer data. Without my prior written consent, credit bureaus have added, modified, or retained the following items on my credit report : XXXX XXXX XX/XX/XXXXXXXX all hard inquiries 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Also, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I requested multiple methods of verifications for accounts you claimed were verified and the information is still incorrect or incomplete on multiple accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian please please read this. And please copy to your superior. Hopefully you and your boss are Americans who refuse to be whores to large unprofessional companies. XXXX XXXX XXXX XXXX ( XXXX ) is copied but does not read or acknowledge if you pass this to them. For 5 years I have requested a copy of the permissible permission used to access my credit report by Experian and XXXX XXXX XXXX XXXX. XXXX refuses to even read but lists everything as duplicate. They did send the attached letter stating the inquiry by XXXX would be removed. This is laughable because inquiries automatically drop off after 2 years, XXXX  is just playing funny games like children. But after 5 years they did state that credit was pulled on XXXX. This was one day before they had approval. See 2 attached applications / permissible permissions ; one dated and the other dated. Both are different with information but one is undated. One is dated XXXX, one day after my credit was pulled. EXPERIAN, PLEASE RESEARCH YOURSELF AS KEEPER OF MY INFORMATION AND DO NOT PASS TO XXXX TO DEFLECT LIABILITY.
Product: Payday loan, title loan, or personal loan

The company I am struggling with is BMW. I traded my XXXX that I owned free and clear in on my XXXXXXXX XXXX XXXXXXXX back in XXXX. I leased it for XXXX yrs never missed a payment, then decided to buy it. 
Because of a loan I co-signed for ( my granddaughter XXXX ) BMW charged me 16 % and it was on the last day I had to buy it or turn it in so I didnt have a choice, I bought it. 
I paid on that loan for XXXX yrs with no lates and a couple ext. pmts but my point being i always worked with them and was never a problem. 
I am XXXX yrs old now and retired in XXXX in XXXX  and moved back home to XXXX where all my children and grandchildren are. 
Now that I only get retirement i couldnt afford my rent and car payment. So I told them I was going to look for a job. I got a job making {$13.00} an hr at the local grocery store and called them about how we could do this and she said I had to pay the {$2000.00} and some in arrears or the car was being repoed. 
Well I cant come up with that kind of money because I spent all my savings moving here from XXXX  back to XXXX and deposits for utilities and such. 
I traded in my car I owned free and clear when I got this car and they charged me 16 % interest which as long as i worked I paid and now that I am retired and still owed a little over a year on it they want to repoe it leaving me with nothing to drive to keep a job and so forth.

I am not trying to get out of paying for it I just wanted them to rewrite what I owed on it which at the time was {$12000.00} to give me smaller payments to pay it off. They have not once tried to work with me and just want to repoe my car and leave me with nothing! 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute through XXXX for a collection account that was paid off same year that it was reported. The collection was for an amount of {$380.00} and was paid in full in XXXX. I contacted ConServe to request that they remove this from my credit report. They denied the request stating this was in their policy. I do not agree with ConServe constant reporting to the credit bureau if it has already been paid in full and closed. 

I also attempted to have XXXX XXXX XXXX removed an account that had 2 missed payments. The account was closed and paid in full in XXXX. I also attempted to called but received a rejection notice. 

These two accounts are the only 2 accounts that are preventing me from getting a mortgage.