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

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

I opened up a business in XXXX and pulled my credit report. I had a personal loan from FIRST MIDWEST BANK and my loan got paid off got transferred and being collected by OLD NATIONAL BANK. I saw that since XXXX they have been pulling money out of my account ( {$400.00} ) with no authorization consent, contract or loan that I applied from them. I have been trying for the last XXXX  months to answer 's from them customer service keeps telling me someone higher will call me, never does they have refused to answer my letters asking for the auto payment authorization my signature the contract promisary note anything between the 2 parties or the loan application itself, I do not get answered. I have all my original papers from the original loan. They opened a loan in my name and collecting on it. It's fraud and theft and doing business in bad faith.
Product: Debt collection

Disputed with the EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX XXXX XXXX XXXX in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.
Product: Debt collection

I cancelled internet service with XXXX XXXX XXXX. Per their own instructions and mailing label they provided via email, I returned the router as requested. Per the tracking number from said mailing label, it shows when I mailed back the router to XXXX XXXX XXXX. XXXX XXXX XXXX kept billing me for the router in the amount of $ XXXX but whenever I called XXXX & XXXX to advise that I had already mailed back the router, the representative would not assist with closing the account properly. XXXX XXXX XXXX now sent the amount to collections. I responded to the collection company with a copy of the print out from the U.S. Postal service showing that the router had been mailed back. The collection company is now claiming that through their " investigation '' that I still owe the claimed amount. This has also been reported to credit reporting agencies that I am in collections which resulted in loan applications being declined.
Product: Consumer Loan

I made a payment of XXXX to go to auto loan payment on XXXX/XXXX/2015. The bank set up an auto payment of XXXX to come out on XXXX/XXXX/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting validation of this account XXXX  XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through e-Oscar system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of ID theft and have had nothing but problems with equifax and no other bureaus. Recently I can not even use my lock and alert account but that is in another complaint. I sent equifax my ID theft affidavit and police report and letter and Id 's to block fraudulent information on my report which they finally did to two of the accounts. However one account remains. This account is ridiculous and I have disputed it at least 15 times over the past few months. Every time it comes back with different late payment amounts, account status from charge off to paid, 15 missed payments to 19 then back to 0. Not  only are they obviously reporting incorrect information, the information is not even mine!!!!!!
Product: Credit card

My response to Synchrony Bank to my XXXX email reply to their XX/XX/XXXX email. 

After the most horrendous credit fraud in USA holiday history late XXXX. 

ALL my active Synchrony Bank cards payments fail. 

Sams Club Amazon Prime Phillips 66 Since XX/XX/XXXX til now XX/XX/XXXX your bank account number fails at my bank, because it is NOT A VALID SYNCHRONY BANK ACCOUNT. 

Each of the 8 minthsAfter phone payments, online payments and customer service payments, INVALID BANK ACCOUNT is why the PAYMENTS DO NOT COMPLETE. 

Some how ALL 3 of my active Synchrony Bank cards payments fail. Possibly there is corruption within your bank or hackers in your system. 

As a retired XXXX, I know that programmers can steal within the banks computer system by using a VALID ACCOUNT NUMBER. 

UNTIL THEY GET CAUGHT. 

THEN THAT ACCOUNT NUMBER IS FLAGGED BY ALL BANKING FRAUD COMPUTER SYSTEMS. 

My active Synchrony Bank cards payments that fail are : Sams Club Amazon Prime Phillips 66 Since the only way is to make mail payments, I notice the addresses keep changing from. 

XXXX, FL to XXXX, PA to XXXX, TX Can my payments to Synchrony Bank get any more confusing? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX - landline XXXX - mobile
Product: Debt collection

My name is XXXX XXXX I was issued 2 TJ Max credit card back to back unaware that happened occasionally I would log on for any balance due and notice that there was a XXXX balance on my card ending in XXXX. By XX/XX/XXXX I realized that the card ending in XXXX had a balance of {$440.00} which was paid immediately now in XXXX my credit report is ruined because TJ Maxx closed my card for interest owed a {$14.00} which I was not aware of. TJ max closed my card without making me aware of it. I now lost the opportunity to have a credit score higher than XXXX I told them that in XXXX of XXXX I contracted XXXX  but they did not care I spoke to a XXXX  who told me the best they can do is take off my late fee which will not help my credit score but he will have it taken off but as far as them closing the account there's nothing that they can do about it.
Product: Bank account or service

WELLS FARGO ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have been receiving harassing phone calls for the past year from a company called Portfolio Recovery. I have told them that they have the wrong person, and I have never been in debt for the past 60 years. They keep calling and me several times every day and it has disrupted my life. They just wo n't stop calling no matter what I tell them. Please can you do something about this. 
Thank You
Product: Checking or savings account

I put {$350.00} dollars in a Chase ATM at XXXXXXXX XXXX. on Saturday XX/XX/XXXX at the location on XXXX XXXX. The money never deposited into my account, and the deposit didnt register.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit card for {$200.00} hours Open XX/XX/2019 This account does not belong to me. Requested for it to be deleted.
Product: Bank account or service

Our father passed away XX/XX/XXXX. XX/XX/XXXX, he completed paperwork at his bank, naming his XXXX natural children, my sister and myself, as Pay-On-Death beneficiaries on his checking account with PNC Bank. My father had no mental or memory problems, especially when it came to his money. He kept a close eye on everything. Upon presenting proper identification and the death certificate to the bank, they would not allow us to take out the money. Over the last 5 weeks, the bank manager, XXXX XXXX, has given different excuses. First, it was that we had to wait for Social Security and his pension to be returned. Then she kept telling us she had to have authorization from her " higher ups '' because the account held over {$20000.00}. She then added that our step-sister ( who is co-representative of the will ) but is not now nor has she ever been on this account, has to sign off on it before we can withdraw any of the money. On XX/XX/XXXX, I called and she gave me the same excuse and when I asked to talk to one of these " higher-ups '', she told me that the step-sister ( she used her first name, XXXX ) was contesting our right to the account, and that the account has been frozen. When asked why we were not notified of this by bank headquarters or by an attorney for the step-sister, I was told that she could not discuss any of that with us. She told me this 3 times, then basically hung up on me. Since then, my sister, who is on the account as a POD, went into the XXXX, Maryland PNC branch, and was told that in internal notes a XXXX XXXX XXXX had asked for a hold to be put on the account XX/XX/XXXX to allow her to make sure my Dad had signed the papers and that he had not done so under duress. My sister informed them who she was, showed her ID, the death certificate and a bank statement showing her as a POD. She told them the person who did this definitely was not her. She questioned if they had verified this person 's ID and the bank quickly changed their story, and the internal bank notes to state it was the step-sister, XXXX XXXX who requested the hold. After almost three ( 3 ) hours, my sister left the bank with no money and was told no one was allowed to discuss anything with her, and that she should probably contact PNC Corporate Customer Service in XXXX. Upon doing this, she was told that there was no one who could talk to her and she should communicate with her local branch. Then he changed his tone and told her that her lawyer should contact Corporate. Contrary to us being told that " XXXX '' had requested a hold, PNC is now stating that they put the hold on the account on XX/XX/XXXX, in order to do an internal investigation to be sure they had done nothing wrong. In addition, my sister has numerous health problems, and the stress is definitely causing her more problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a review of my credit report I began disputing a fraudulent account appearing on my credit report. 
XXXX performed their investigation and removed the fraudulent account. I continued to dispute with XXXX and Experian with no resolve until submitting a complaint with the FTC. 
After the FTC complaint investigation, XXXX  then removed the fraudulent account. 
Experian changed the name of the disputed fraudulent creditor to the name of yet another fraudulent creditor using the same information ( alleged account number, alleged amount, etc. ) I have filed another complaint with the FTC. This alleged account has been investigated and removed twice already and Experian continues to reinsert this fraudulent account under different name variations.
Product: Money transfer, virtual currency, or money service

My account has been limited since XX/XX/2017 and I have not had the ability to withdraw the {$24000.00} that is remaining in the account.

My account has had XXXX  credit card chargebacks at any time and I have XXXX open disputes and claims. There is no justification for holding {$24000.00} since XX/XX/2017.

I am respectfully requested that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.

I received the response that is coming from Pay-Pal. Their notion of, and hiding behind PayPal 's user agreement ( " User Agreement '' ) Is considered even in our courts as " STATUS QUO '' and they know that, no person as we all know are reading any of that with any company, if yes nobody will ever finish and nobody will ever sleep since every minute we go from one site to another to buy merchandise. They ( Pay-Pal ) are such a high sophisticated company, they had their choice at the time of the transaction, like any other company, to deny the transaction ... I see they have such a detailed history, letting the transaction go through and than keep the consumers money for no good reason, just to have free money, that not only they don't pay interest on it, nor do they pay TAX on it, and the financial burden people have to suffer is hard to describe in writing.
Product: Debt collection

I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX XXXX XXXX XXXX and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX XXXX XXXX XXXX department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX  XXXX XXXX XXXX and State of Florida XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed several fraudulent charges and/or accounts on my report. This has caused tremendous strain on my financial situation and prevents me from taking care of my family in the way I did previously.
Product: Credit reporting, credit repair services, 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. 

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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing 26 accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals.

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have 30 days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit reporting department has not been able to assist in any way. Please Please.

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE 30 DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR 26 INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for 26 individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in XXXX 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I was referred to you by XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Product: Debt collection

These debt does not belong to me. Ive tried to dispute twice i would like further input on these accounts. Its on all three credit reports. 

1 ). Account number XXXX Balance Amount {$570.00} 2 ). Account number XXXX Amount {$310.00} 3 ) .account number XXXX {$230.00} 4 ). Account Number XXXX {$280.00} 5 ) .account number XXXX {$480.00}
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to find inaccurate accounts on my credit report, and Im completely baffled as to why this is happening. I check my credit report regularly, but this time I was blindsided by discrepancies that seemed to come out of nowhere. I even refreshed my browser, hoping it was just a mistake, but the errors persisted. The fact that the inaccurate accounts didnt disappear when I refreshed the page is really alarming. Given this issue, Im asking that the documents Ive submitted be thoroughly reviewed so I can put this worry to rest.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX 2018