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

XXXX XXXX  XXXX has been illegally reporting late payments to all three Credit Bureaus stemming back to XX/XX/2020. While I was in a COVID 19 Repayment program XXXX promised not to charge any late fees or report any negative credit reports against me. I entered into the forbearance agreement with XXXX in XX/XX/2020. On XXXX, XXXX & XX/XX/2020, XXXXXXXX XXXX reported to all three credit reports that my mortgage was 60 days late. Then recently, XXXXXXXX XXXX reported that my mortgage was 30 days late, when in fact, my mortgage has not been late since I entered the COVID repayment/forbearance agreement/period. 

Below is what is listed on XXXX XXXXe website. XXXX XXXXe and the three Credit Bureaus Equifax, XXXX and XXXX has disenfranchised me by falsely reporting these errors on my credit report, causing me to have a lower credit score and be denied critical lifechanging loans. I am respectfully requesting my credit reports are updated to reflect NO negative mortgage payments from the period of XX/XX/2020 until present. This is my right as a consumer to have an accurate credit report. I request my credit reports be updated immediately. I am attaching a copy of XX/XX/2020 statement to corroborate my aforementioned statement. Please review additional information where it indicates that I am in a repayment plan. 

During the forbearance period, we wont charge you any late fees. Also, we wont file any negative credit reports against you. But before your forbearance period ends, well work with you to build a plan to repay the payments you missed.
Product: Debt collection

Fixed debt with creditor and was settled in full they removed the debt from one report but havent from others.
Product: Debt collection

I have a a unverified account from AARGON AGENCY. I had previously disputed this account. I have never done business with AARGON AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is denying my ability to receive my free annual credit report online. Both of the other services ( XXXX  and XXXX  ) had no issue verifying my identity and providing me with my credit report. The XXXX website lists three steps required to view your credit report online : 1. Fill out one form to request one, two, or three credit reports 2. Pick the reports you want ( Equifax, XXXX   or XXXX ) 3. Request and Review your reports ONLINE. 

Equifax refuses to furnish my credit report online as they are required to do. Instead, they are requiring me to pay for postage and mail them a form with sensitive personal identifying information. Equifax has demonstrated extreme negligence in safeguarding millions of Americans ' personal info, exponentially increasing the risk of identity theft. I do not trust them to keep my information safe once they physically receive copies in the mail. Equifax must be held to the same standard as the two other credit reporting agencies.
Product: Debt collection

AmSher Collection Services reported to credit bureaus a debt which I never owed. It is for XXXX XXXX, which I still use and am current, and have been current, on my bill, but they say I opened up another account in XXXX of this year and owe over {$400.00}. I have used Century Link since at least 2005 and when we moved over 3 years ago, we paid our balance and signed up for Century Link at our new home ( I am sure they would NOT have given us new service without paying off the old ). I have no idea how to respond to these people. I DO NOT OWE THIS MONEY! These charges are erroneous or fraudulent but either way, they are not ours and need to be removed before more damage is done to our credit! FURTHERMORE, we never once received anything from these people indicating that they thought we owed this money .... the XXXX we heard of it was from our credit report which leads me to think they are bipassing the system as a sneaky way to conduct a fraudulent business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give EXPERIAN written permission to furnish these accounts listed below. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC will not let me connect to third-party banking/savings app XXXX. This has not been an issue in the past but now PNC is saying I do not have a valid mobile number when my current number has been enrolled in PNC banking since 2014.
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 # XXXX XXXX XXXX, Account # XXXX, XXXX, Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX  XXXX Have violated my rights. 

I looked at my Transunion credit report on XXXXXXXX XXXX XXXX  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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 suppose 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: Credit card

I am writing to formally report an issue with Synchrony Bank, whose actions have unfairly impacted my credit score, in violation of ethical financial practices. Despite my proactive efforts to update my payment information with the bank, their failure to use the correct account has resulted in dishonored payments, the closure of my account, and damage to my credit. 

The details of my complaint are as follows : I have two accounts on file with Synchrony Bank. 

I updated my payment method to use a new account, which should have been used for all withdrawals. 

Despite this, Synchrony Bank continued to draw funds from the old account, resulting in payment rejections. 

Synchrony Bank closed my account due to the number of dishonored payments caused by their negligence. 

This account closure has directly lowered my credit score, which now reflects missed payments that were entirely avoidable if the bank had used the correct account on file. 

I have made every effort to ensure that my accounts were properly updated and managed. However, Synchrony Banks lack of due diligence in processing my payments from the correct account has caused unjust harm to my creditworthiness. I believe this situation may be in conflict with the principles of the Equal Credit Opportunity Act ( ECOA ), as the outcome appears to be a result of procedural negligence rather than any action or intent on my part. 

This situation has caused me significant financial and emotional distress, and I ask that you investigate this matter urgently. I trust that Synchrony Bank will be held accountable for its negligence and that this matter can be resolved without further negative consequences to my credit score. 

Please feel free to contact me if additional documentation or information is required. I appreciate your attention to this issue and look forward to your timely resolution.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I made a payment of {$2500.00} on XX/XX/2023 on EdFinancials new website : EdFinancial.com/Myaccount. I received a confirmation email with confirmation # XXXX. They told me the payment will post no problem. The payment is STILL not posted on my account. I was told to wait 120 days it is now 217 days out. I have called multiple times, emailed multiple times. Uploaded proof of payment email and records from my bank showing the payment. My account has still not been adjusted. My balance should be {$5700.00} not XXXX. PLEASE help!
Product: Credit reporting or other personal consumer reports

I tried several tiimes to fixed this problem I'm sending dispute letter but the 3 creddit bureaus alway refused my letters. I ready feel stress regarding this problem Please delete the following inquires below. Please make an action or else I will file a case. 
Here 's the list of the unauthorized inquiries I want to delete asap 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, credit repair services, or other personal consumer reports

I sent a let out on XX/XX/XXXX to XXXX, and Equifax. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX  However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX : XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reported on my account with XXXX XXXX XXXX XXXX for XX/XX/year>. It is my understanding that, under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between me ( the consumer ) and your company ( the furnisher ). Payment history, including late payments, directly affects my credit report and constitutes part of the transactions between us. Therefore, any reported late payments should be based on accurate and verifiable information. 
Furthermore, I am requesting that you provide me with written confirmation of the procedures you follow, as required by 15 U.S.C. 1666 ( b ), to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. I also request the information required by 15 U.S.C. 1637 ( b ) regarding the content of these statements.

You are required to respond to this request within 30 days of receiving this letter. If you fail to provide the requested information within the prescribed time frame, I will assume that you can not verify the late payment reported for XX/XX/year>. In that case, I request that you remove the late payment from my account and update my credit reports with the following consumer reporting agencies : XXXX, XXXX, and TransUnion ( or all applicable agencies ). Additionally, I request that my account be updated to reflect positive payment history.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear XXXX XXXX XXXX I , XXXX XXXX , am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that XXXX  XXXX XXXX is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing.

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute.

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience.

Thank you for your cooperation. 

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

I started receiving amounts taken out of my debit card debit card for {$24.00} for services for TransUnion credit I've never subscribed to TransUnion I already have XXXX I wouldn't need them don't need them I think my ex-roommates might have set this up somehow I recently moved from there but I can't get any help with them taking this amount out of my account stop taking the money out of my account getting the money that they did take back and every time I call every time I talk to somebody they just sit there on the phone and nothing never comes of it nothing and I talk into the phone nobody talks back I've given him my social security card number my credit card number that was charged everything so many times and I can't get this resolved and I need to get it resolved please I want my money back that they took out of my account and I want nothing to do with them. I never did subscribe to them
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Remove a late payment I am writing to dispute a late payment reported on my credit report with XXXX  XXXX the account number is XXXX, it was opened on XX/XX/XXXX with an original balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.
Product: Credit card or prepaid card

My complaint is regarding a merchant dispute in the amount {$510.00} with Chase Bank. The merchant " XXXX XXXX '' per her contract agreed to and engagement shoot and wedding photos for a total of {$1700.00}. In early XXXX, I gave her the deposit in the amount of {$510.00}. Per her contract we agreed on the location for the wedding photos and via email we agreed on the location of the engagement shoot at XXXX XXXX  on XX/XX/19. Three days before we were set to shoot the engagement pictures, the merchant advised me that she could no longer shoot at the location I requested. I was not satisfied with her response because this is a once in a lifetime opportunity for me and I wanted my pictures at a certain location. After going back and forth with the merchant, she was not willing to accommodate me, I asked for a refund to which she refused. I contacted Chase bank to open a merchant dispute, when the dispute was filed the person filed the dispute as services not received. When I received the response from Chase, in their investigation they stated that I did receive service, when I did not. After providing the documents and attempting to escalate via Chase Bank I have been unsuccessful.
Product: Credit card or prepaid card

In XXXX my wallet was dropped/stolen while leaving the XXXX in Delaware. I had not noticed until a couple hours later credit card companies were contacting me regarding suspicious activity. It was at that time i realized my wallet was not in my possession any longer. It was determined someone was using my cards. There multiple charges at the XXXX I previously shopped at for multiple {$310.00} charges. 2 of these transactions went through on my Comenity Bank card. I notified them those were not my charges and confirmed which ones from earlier in that day were in fact my charges. My other compromised cards also removed the charges. I also contacted the police had a police report completed, and contacted the XXXX where they pulled the video footage of who used my cards. They pulled the info together to share with the police officer. As they were able to see me in there earlier purchasing a few items, and then later see someone came in attempting to use all my credit cards. I was sent a new card by comenity. On XX/XX/XXXXI noticed the charges were put back on my account that were fraud. I called and was told the investigation was complete and found I was responsible for the charges. I asked what investigation was done as if a thorough one or even a decent one where the merchant was contacted they would be able to easily see these werent my charges. I have since asked a new investigation be opened. However, feel comenity bank was negligent in their initial investigation and failed to notify us that they even put the charges back on our account. Why did no other bank have an issue determining these were fraud? I feel this was blatant negligence and violates my rights as a consumer.
Product: Debt collection

Absolute Resolutions Is reporting this debt as accurate and current, when it is not. I have been XXXX since 2018. I settled all open debts for less than what was owed when I knew I would not be going back to work. They refuse to remove the debt. They keep claiming this debt is valid and they keep XXXX  up my credit because they want me to give them money. They have threatened to sue me and put me in jail for this debt.
Product: Debt collection

My debt was paid by XXXX banks/XXXX and XXXX. PayPal continues to lock my account and it is restricted in order to collect this debt again. I was told by XXXX bank that they communicated with PayPal regarding this transaction. PayPal refuses to acknowledge any payments or communication from XXXX bank. Now both are refusing to give me any paper work to backup their accusations. I have disputed information from PayPal that is incorrect into records. PayPal refuses to correct anything other than change my old phone to my new number. This item was paid to PayPal twice.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, about XXXX pm I purchased XXXX XXXX at Venmo website with {$1700.00} to send it out to another wallet. However till today XX/XX/XXXX at XXXX pm is still sitting at my account for review. So I called XXXX XXXX From customer service and I was put on hold for XXXX minutes and he couldnt explain why it wasnt transferred immediately as advertised on their website. I am paying $ XXXX day penalty for every day delay beyond XXXX pm XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my second complaint about my Apple Card by Goldman Sachs. They re reporting the correct balance on my account. They have not updated my payment since XXXX of 2023. This is hindering me from receiving a fair interest rate from a property I am I purchasing. This is against the Fair Credit Act. 
Please have them to correct this error now.