23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This relates to complaint XXXX for CRM creditors attempting to collect a debt on behalf of XXXX XXXX starting their collection on XX/XX/2022 taking 59 days to respond only to defer me to XXXX XXXX who never contacted me nor had anything to do with me until today XX/XX/2022. 

The first complaint is that their verification letter cites a XXXX XXXX who never saw me nor was I admitted under or discharged by anyone. The nurses kicked me out as I had to protest against their attempt to Baker Act me despite being cleared earlier by a psychologist still having an hour long video including the police response to catching them lying about me seeing the psychologist. They never properly discharged me or notified me of any debt until months after when CRM sent a final notice as their only notice to me. 

I then went to verify this as it was perposterous I was always sent a letter from XXXX XXXX XXXXXXXX. After 59 days I was told to send my insurance to XXXX XXXX who I do not know and have no information about. I require everything in writting as I do not do well on the phone and XXXX XXXX appears to have no company information online outside of their multiple addresses. The verification letter claims they operate out of XXXX but according to all online sources I've seen that is not true as they only operate out of " XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX that has only one practice medical office located in XXXX XXXX FL '' I do not know how they managed to get any and all of this information without it being illegally traded as I was never properly discharged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} DISCOVERBANK - XXXX  - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX  - {$150.00} On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Credit card

They lowered my credit limit to make it look racked up then said they were closing it no reason, never late just had to use it for my truck to get fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly via phone and with 30 certified letter and letters us mail to remove credit alerts! They have cost me credit because they either have no phone number or an incorrect one. Now they do have the right number but I asked them to take the alert down. I am not the person who put it there. I have a stalker local to where I live and he put it in there. This has to stop so I want it out
Product: Credit card or prepaid card

We own a XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.
Product: Debt collection

Creditor -XXXX XXXX  Recent Balance - {$1300.00} Date opened -XX/XX/XXXXFirst Reported- XX/XX/XXXX Original Creditor - XXXX XXXX  The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
Product: Credit reporting

I called to get persistant disputes removed from my credit and I was told it would take 30 days, however, when I called XXXX and XXXX they were able to do it within 72 hours. I informed them that I needed it done this week because I am applying for a mortgage and also told her I would notify CFPB and file a complaint. This information didnt faze XXXX, and again said it will take 30 days for the disputes to be taken off. Question ; Why isnt there any unionformity between the credit bureaus?
Product: Mortgage

When I was illegally foreclosed and evicted from my home on the hill ( XXXX XXXX XXXX, XXXX XXXX XXXX ) in XXXX the tale of the story of my first complaint ( and currently being reviewed ) is only half the story. 

I was a XXXX XXXX XXXX ( 3 states ) and operated my XXXX ( since established in XXXX ) out of my home on the hill... the illegal foreclosure and eviction caused a major disruption to my practice where we lost ( phone, internet, mailing ) and all contact with my clients of over 40 years..I struggled to reestablish some contact but my files were in storage along with most of my equipment and field supplies... I eventually gave up trying to salvage my XXXX  which could have been sold but was then worthless. 
It is now time foo Wells Fargo to make amends. As I said in the original complaint I received at settlement payment of {$6000.00} ( the maximum for the worst abuses ) in XXXX which I tore up and mailed back the pieces with quote from the movie XXXX XXXX XXXXXXXX, " What we have here is a failure to communicate! '' So that's my story and it's a true. 

I am that I am .... 

Thanks, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Did 2 cash outs from XXXX XXXX to spruce. The second one went through but the first one never showed on my transctions. XXXX claims they never received XXXX deposit that XXXX XXXX says sent and provided a trace number for which is XXXX. I requested documentation from spruce stating they didn't receive payment which they ignored my request and didn't provide as well as asked for the a payment trace which they wouldn't do or even acknowledge that request just went around it. XXXX XXXX claims they can't refund me and or reverse the cashout without a dispute even though I provided the screenshots for the chat conversations with spruces live chat and my transctions Which does not show a transcation or deposit for XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Discover Bank regarding their failure to address and investigate inaccuracies in reporting on my XXXX, and XXXX credit reports. On XX/XX/XXXX, I sent a dispute letter to Discover Bank, disputing how this account is being reported on my credit reports. 

Discover Bank responded on XX/XX/XXXX, stating that the account is reporting accurately. However, upon reviewing my credit reports, it is evident that the account is reporting inaccurately and with incomplete information. In response to Discover Bank 's inadequate resolution, on XX/XX/XXXX, I sent another dispute letter to Discover Bank, requesting a thorough investigation into the inaccurate reporting of this account on XXXX and XXXX credit report. 

The account in question was included in a Bankruptcy XXXX and should not be reporting negatively. Despite all payments being made on time according to my payment history, Discover Bank has failed to update the reporting on my credit reports accordingly. 

From XXXX, it is apparent that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows only one on-time payment in XX/XX/XXXX, with no data available before or after that date. XXXX is not reporting any payment history at all. Additionally, there are discrepancies in the payment status reported by each credit bureau XXXX is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " current, '' and XXXX is reporting as " Included on Bankruptcy. '' In both dispute letters, I explicitly requested Discover Bank to provide specific details about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from Discover Bank. 

On XX/XX/XXXX, I sent another dispute letter to Discover Bank, urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, Discover Bank has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into Discover Bank 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold Discover Bank accountable for its failure to investigate and correct the inaccuracies in reporting on my credit reports.
Product: Debt collection

I contacted Synchrony Bank by mail to request not to be contacted by any phone calls and only by mail on on XX/XX/2021. I have a signature verification from the post office that Synchrony Bank received my message/letters on XX/XX/2021. I sent/mailed evidence stating the numerous violations that the company has been perpetrated against me as the consumer, as well. I re-sent the cease and desist asking Synchrony Bank to not call my phone number again and to only contact me by mail with my request stated in my letters, I again have signed verification from the post office on XX/XX/2021 that Synchrony Bank received my letters.The company, Synchrony Bank has not granted my request, even after I noted and confirmed the obvious violations presented in my affidavits. I filed a complaint with the CFPB Case XXXX and Synchrony Bank stated that they would grant my wish about not contacting me by telephone on XX/XX/2021, but I am still receiving calls from Synchrony Bank twice everyday. The number that Synchrony Bank is calling from is XXXX XXXX XXXX XXXX. I am very stressed out about this situation as this harassment has affected my health in a negative manner. 

Please read thru the accompanying documents, letters, affidavits and invoices. 
I seek remedy due to this situation as I noted in the attached invoices. 

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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The disputed items do not belong to me and needed much attention for their erroneous status. 

Here are the Items that needed removing : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXXXXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Student loan

I spoke with navient about fixing my loans so i can go back to school. The payment plan they suggested was outrageous and unsatisfactory to me i explained that at the moment i was unemployed also and to no avail they would not lower my rates so i can get out of deferment.
Product: Checking or savings account

Opened an account. Deposited a check for {$9000.00}. They said I could not withdraw funds until after 7 business days. After 7 days, discovered they have closed my account, taken the money out and stated that they can hold my money indefinitely while trying to contact the person whom wrote the check to me. This man is a  XXXX    XXXX   XXXX   XXXX   and   XXXX    that is about  XXXX  years old. I talk to him all the time but they claim they can not contact him. As far as I am concerned they have stolen my money, because it has been more than a month now, and I assume they do this to collect interest on money held this way by thousands.
Product: Credit card

My credit report shows different opened accounts that i did not open. one closed account, one open account with a balance of {$2500.00} and 2 inquiries that I did not request. How can I dispute this issue and retrieve my credit score, because this has lowered it by XXXX point. I am frustrated and I would like some guidance. Also there is two addresses that are not mine written in the personal information for addresses.
Product: Mortgage

I am XXXX XXXX XXXX and I have been approved in Florida for the Homeowners Assistance Fund # XXXX and they are not sending a correct CURRENT arrears amount. My lender is PNC, Bank in XXXX, Ohio. Loan XXXX. 
The Florida HAF does not communicate with the claimants, will only release INFORMATION via a separate entity who do not have any authority to communicate the system 's failings to the people who actually can make decisions and CORRECTING ERRONEOUS PAYMENTS. 
My lender will not accept a cent less than the full arrearage amount AND THAT CHANGES REGULARLY. I am going to lose my home because no one is responsible for what happens to me or my home.
Product: Debt collection

Employees at Toyota must produce the XXXX XXXX which shows payables of what the financial institution paid out to an alleged borrower? 

Specify whether or not Toyota Financial Services is the XXXX or XXXX? 

Is Toyota Financial Services the assignee of an original promissory not which theyve made claim that a debt is owed based off the original promissory note? 

Produce the call reports for the bank for the period when the loan began? 

Produce the Schedule RC-Balance Sheet ( Line XXXX ) and RC-E-Deposit Liabilities ( line XXXX ) which will prove that the amount the bank deposited from the promissory note is equal to the amount they issued as a deposit liability owed to the alleged debtor.
Product: Debt collection

AMERICOLLECT INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

Fifth third bank is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Fifth third bank to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that 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 6803 of this title. Per 15 USC 6803 ; Fifth third bank did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am requesting Fifth third bank to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be by email, mail, any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ect.. This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this derogatory reporting removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} ) for every update, post, report made since its beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 reporting or other personal consumer reports

XXXX Equifax and XXXX i have contacted them by mail and phone for my right as a consumer for them to report the following company that is reporting on my credit. 

the following account an date is listed below - XXXX XXXX XXXX -opened XX/XX/2019 amount XXXX 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  and any thrid party financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " creidt acceptance and credit reporting agency Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

company used my identity with my consent reporting negative inaccurate information hindering me from obtaining credit I believe the company should do what's fair and equitable and remove these accounts forever.