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

This is my third formal request to remove inaccurate and false information from my credit report. The Account is XXXX XXXX, account number XXXX Date opened XXXX Balance {$11000.00} which has been charged off and written off. XXXX keeps updating the balance after failing to respond to fraudulent chargers on the account. They constantly gave me the run around and wouldnt connect me to a supervisor to handle this problem. Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to 15 U.S. Code 1681 ( e ), 15 U.S. Code 1681 ( i ) HJR 192 REMED, 1099C & 1099A, FCRA Section 611 Part ( AX1 ) FCRA Section 605 ( c ), 15 U.S. Code 1635, 15 U.S. Code 1692 is a direct violation of my rights. The continued reporting of inaccurate dates, failure to respond, reporting without consent is false information, especially the misuse of my personal information, is not only unlawful but also damaging. Theres multiple reasons this account needs to be removed not to mention if its a write off Ive never received a 1099 from. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. Closed dates and balances are inaccurate on all 3 credit bureaus. None of them are correct which is also a violation. I request this false report to be removed from my XXXX, XXXX and Exqifax report. Thank you in advance
Product: Money transfer, virtual currency, or money service

Reporting Forgery/Counterfeiting Here is the information requested from Telechex approximately 12 days after me filing a report of unauthorized funds being debited from my account. Here is a quick background. I found unauthorized debits coming from an XXXX account linked to XXXX XXXX directly withdrawing unauthorized money from my personal checking account. Upon noticing this, I immediately called my bank, XXXX, who referred me to Telechex. I went to the Telechex website and tried to find a phone number to call. After much searching, I found a phone number where I waited more  than 35 minutes only to be referred to another area on the website that specializes in fraud.

I filled in the relevant forms on the website which said that it could take up to 30 days for Telechex to respond. I called my bank again and they said that they couldnt stop charges from debiting accounts linked to XXXX because there are too many company ID numbers associated with XXXX to block all of them. They again asked me to get in touch with Telechex.

10 days later a letter arrives in the mail and asks me again to fill in the exact same forms that I already filled in on the website. In the meantime, more money was debited from my checking account while Telechex decided to use the postal service for communication instead of a phone or email. 
I am sending a copy of this letter to Consumer Financial Protections Bureau along with my response directly to your fraud department. The fact that Telechex doesnt have a fraud number to cease nefarious activities and that it could take up to 30 days for a response are completely unacceptable responses when a fraud is ongoing. It is fairly obvious that Telechex has outgrown its perceived responsibilities to its customers when all my complaints yield is a perfunctory letter delivered by the mailman. It is a further disgrace that the only action I have been able to take has come from assistance in the XXXX call center of Telechex from someone who helped despite this not being their job.

I respectfully request a phone call from a domestic manager at Telechex to explain why their customer service experience and fraud mitigation services are so understaffed that they cant respond immediately in cases of fraud. Furthermore, it would be nice to also know why the rest of the world has embraced email and phone calls as acceptable and immediate forms of communication yet Telechex still uses the USPS to act on items that require immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the accounts, I am not the owner of the accounts. I asked the credit bureaus to provide evidence, but couldn't supply it. CFPB remove the accounts and tell these companies to be more careful on how they handle their reporting..XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX   XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 6043**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2023 I refinanced my home and reached a written settlement with Synchrony Bank PayPal Credit Card. The account was Settled in Full for {$2500.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' Synchrony Bank accepted and deposited my {$2500.00} check from the XXXX XXXX, marked as Settlement in Full. However, AFTER the payment was received, Synchrony Bank reported my account as " Charged Off '' with a balance of {$1500.00}. This report has occurred every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$1500.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). Synchrony Bank most recently reported this on XX/XX/2023, and I expect they will fraudulently do so again this month. As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has continued to be falsely reported.
Product: Debt collection

I have been dealing with GC services since XXXX. I have always managed to pay my traffic tickets. Since XXXX I made payment arrangements and showed them financial hardship, made a deal that I will pay {$50.00} a month, but they have ignored this and as the result my credit score has been ruined TOTALLY. I HAVE SPENT LONG TIME ON THE PHONE WAITING AND RUDELY THEY HAVE JUST HUNG UP.
Product: Debt collection

To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX  '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX  in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 



Kind regards, XXXX XXXX
Product: Money transfers

Hi, I initiated the fund of {$250.00} transfer at OFX to a bank in XXXX from US on XX/XX/2017 They have transferred the fund. 
After a week, the fund still did not arrive the account in XXXX, and I found out by calling to the bank in XXXX that I missed the last digit " 1 '' attached to the account number, thus it can not be received. 

I contacted OFX to correct the mistake on XX/XX/2017. 
They stated, it will be corrected in 2-3 business days. 

On XX/XX/XXXX, I found out the fund was still not received, and contacted OFX. 
They could not locate where the fund is, after 2 e-mails and 1 phone call. 

As of XX/XX/XXXX, they sill do not know what happened and where the fund is.
Product: Credit reporting or other personal consumer reports

Every single month this happens, all CRA 's NOT compliant with FCRA. 
XXXX XXXX missing payments and wrong balance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX  Account XXXX : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I had a XXXX months CD with Bank of America at XXXX % interest. 
When it renewed,, it said it would renew on the same conditions, I assumed that meant interest rate. Instead it renewed at XXXX % interest arte. 
When I tried to close my account early, it charged me {$2.00} penalty when it only gave me {$0.00} interest rate.
Product: Credit card

I was reported late by Discover Card to the reporting agencies for XXXX and XXXX as XXXX days late for each month, but I was not allowed to change my billing date to accommodate my monthly federal payment date of the XXXX of the month ( which can post as late as XXXX of the month ). I got behind in XXXX and did not make a full payment trying to finish the larger high school tuition payments for my daughter and pay for her college acceptance monies that all took place in XXXX and XXXX XXXX payment was made every month typically the XXXX of the month and based on the online discover website. I paid a huge XXXX monthly payment over XXXX payments {$150.00} ( XXXX ) and {$330.00} ( XXXX ). Now, the discover representative told me today that I have no payment due in XXXX! The balance minimums due in the online system were for XXXX and XXXX? And, they reported me late for XXXX after paying what was asked of {$480.00}. They refused to change my billing payment date until today to the XXXX of each month so the cycle billing date would align me the way I asked for it to do in XXXX. My credit has been adversely affected for the first time in XXXX plus years as I have not been late in the past. AND, I did make payments each month, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representative did not care that I have been a good customer and always made my payments. And, that somehow I got caught in a billing cycle mess that I just now was able to get out of. BUT, to report me and then say you do not owe a payment for XXXX after all of these payments and report me late XXXX days for XXXX and XX/XX/XXXX. I told the representative that I would still make my payment on XX/XX/XXXX regardless that her system shows no balance due because I make monthly payments. Please help me to get this credit issue fixed if you can.
Product: Credit card or prepaid card

I have filed a complaint with the Consumer Protection Bureau. However, nothing has been done. I have filed a complaint with the credit card company directly. I requested that the fraudulent charges to my account be removed. I requested statements dating back to when the account was initially opened. I asked that all the payments I have been to the account be accounted for. This company has ignored my complaints and just recently placed the account in a negative status that has been detrimental to my credit score. I have never used this credit card outside of XXXX XXXX XXXX and it has been over three years since I have used the card. I no longer have possession of it. I sent a certified letter to the credit card company but I have not received any of the statements I have requested. Now it appears that the account has been reported negative to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  XXXX
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with transworld systems which, clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Debt collection

My father has defaulted on an auto loan with this creditor. The creditor is having a hard time finding their vehicle in order to reposes it. The creditor has sent a repossession agent to my house, my work, and has called my wife and I several times. I have explained to the creditor that I have no contact with my father nor do I have anything to do with their debt.. I have asked the creditor repeatedly to leave me alone and quit harassing me and they still wont quit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED ONLINE AND COULD NOT GET A REPORT, CALLED EQUIFAX AND STILL THEY REFUSE TO GIVE ME A COPY OF MY CREDIT REPORT. I ANSWERED ALL QUESTIONS ACCURATE. I HAVE NO PROBLEM GETTING MY REPORT FROM XXXX OR XXXX, EQUIFAX TRIES TO MAKE YOU JUMP THROUGH HOOPS AND TREATS ME UNFAIRLY WHEN TRYING TO RECEIVE MY REPORT. I ALSO NEED TO CHECK FOR ACCURACY OF ALL INFORMATION.
Product: Student loan

I originally applied for a government school loan in XXXX, this loan since XXXX has been transferred to a private lender Sallie may to Navient. Even though this loan was back by the government I have no relief with the cares act. I can defer but still have to pay for interest, this is not fair and disgusting.
Product: Debt collection

I CALLED WAKEFIELD AND ASSOCIATES AND TOLD THEM THAT MY MEDICAL INSURANCE PAID ALL OF MY BILLS THEY SAID THAT I STILL HAD TO PAY THIER FEES AND I TOLD THEM I CALLED THE HOSPITAL AND ASKED THEM ABOUT THIS BILL THEY TOLD ME THAT IDONT OWE ANYTHING EVERYTHING WAS PAID IN FULL EVEN THE DOCTORS FEE I HAVE XXXX AND XXXX I AM ON XX/XX/XXXXI HAVE HEALTH INSURANCE THEY HAVE CALLED AND TALKED SO HATEFUL TO ME VERY RUDE PEOPLE I DONOT OWE ANYTHING EVERYTHING WAS PAIDED IN FULL ... ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.
Product: Mortgage

My previous lender acknowledged they made a mistake in charging me over {$21000.00} for taxes I did not owe on my house in XXXX, which forced me to modify my loan. They charged me over {$53000.00} in interest on the loan modification. They admitted to the error and took the {$21000.00} off my account but did not take the interest off the loan, nor did they take the loan modification off, which I would not have ever needed. Now, I am unable to obtain a loan for a home in XXXX after relocating for my job, because of the error of XXXX XXXX XXXX on both my mortgage payoff quote, and because they are reporting a loan modification on my credit report. I believe this is a violation of the Fair Credit Reporting Act, and I must have this resolved in the next 10 days because I am in escrow. To avoid resolving the issue, XXXX XXXX XXXX sold my loan to Select Portfolio Servicing, who is now documenting the erroneous amount in excess of {$53000.00} as part of the principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 accounts numerous times that say current payment status is " in collections/charge off and account status is derogatory. Both accounts are paid off, transition refuses to correct it yet on full credit report it shows the negative info but in account section it doesn't. It shows paid. I have tried for over a year and a half to get this corrected and they are telling me I am wrong that it had been verifiedXXXX XXXX XXXX XXXX was paid in full well before it became a charge off and XXXX XXXX was also paid. Neither account is still in collections or a charge off. All three credit bureaus show the negative info and neither the bureaus or lenders seem to care to change it. It has dramatically affected my interest rates as well as score since it shows as a derogatory account. XXXX XXXX agreed to remove this from my reports if I paid in full yet still won't do it. XXXX is also reporting that there is still 100 % of loan to pay off when it is completely paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a home loan modification due to falling behind on mortgage because my wife had XXXX XXXX and lost her job. In XX/XX/XXXX I received a call from Bayview loan servicing to let me know I had been approved and the trial mod pmts would start on XX/XX/XXXX. I called a few days later to ask if i could go ahead and schedule ( 2 ) 1/2 pmts in XXXX to pay for XX/XX/XXXX pmt, i was told yes. I was then sent out the modification paperwork to sign and return, papers stated we would have 3 trial pmts and then it would be approved for first MOD pmt on XX/XX/XXXX. I made each of those trial pmts in the month before the due date. In XXXX i called to make a pmt and the system was telling me i was due for XXXX, there was not way that was correct as i had made the pmt for XXXX in XXXX ( this shows on Bayview 's pmt detail ) They stated at that time they would correct this they had misapplied a payment i had sent in. In XX/XX/XXXX there were 56 transactions made on my acct for them trying to fix their mistake and another 69 transactions in XX/XX/XXXX. As looking down through the pmt history i could see where the due date kept switching from XXXX to XXXX back to XXXX and never being updated to the current month that i was due for. I called several times to Bayview for them to fix the problem each time them stating they would escalate it and correct my credit report. Then after disputing them each time they would send a letter stating they could not retract the credit ratings due to being contractually late ( i was never late on a pmt once we entered the modification ) i have filed disputes with all 3 credit bureaus as well. i again called on XX/XX/XXXX to open another case each time i get a different reason why they can not fix the mistakes they made and update my credit report. we are trying to purchase another home and to get away from this horrible company that continues to do this to hundreds of customers. i have all the payment history from their website showing all the transactions and if you follow it you can plainly see where i made all pmts and a pmt in XXXX was reversed and never posted back. I need my credit report updated from this company and after 2 years of them not complying i will now be taking further actions on the company.
Product: Bank account or service

I responded to a promotional offer which promised {$100.00} if I opened a new Online Savings account with Discover Bank. I completed the application and made the required deposit by the XXXX/XXXX/15 deadline. I have made several inquiries but Discover has not yet given me the {$100.00} bonus it promised. I just want them to comply with the offer.
Product: Credit card

On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling $ XXXX which is OVER my credit limit! I immediately reported and disputed these fraudulent charges to Avant when I found out. 
However, Avant never bothered to do a " real investigation '' and did not credit my account with permanent credit for these unauthorized charges. 

I did not realize until today that Avant continued to automatically debit payments from my checking account for all these months, including paying for perpetual accrued interests on these fraudulent transactions. I vehemently dispute these transactions and I wish to immediately close down this credit card and will be reporting them to proper government agencies and authorities should they not permanently reverse these unauthorized transactions totaling $ XXXX to my account. 
Avant has financially abused my account and this is not right. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX as violated my rights..After removing these items from my credit reports and phone calls after phone calls it is starting to take a toll on me and my family to be very stressfulXXXX XXXX AS POSTED THESE NEGATIVE ON ALL THREE CREDIT REPORTS TRANSUNION, XXXX AND XXXX 
15 U.S.C 1681 Section A-States I have right to privacy.

15 U.S.C 1681 Section 2-States It also states a consumer reporting agency can not furnish a account without my written instruction... 
XXXX XXXX amount are XXXX and {$1000.00} sorry i don't have accounts number... 
XXXX XXXX XXXX amount are XXXX AND {$1000.00} XXXX Group amount XXXX XXXX and {$1000.00} With all these going back XXXX forth with XXXX XXXX remove then put it back on my reports is affecting my personal life to very stressfull and not answering my phone to unknown number. Please for the help to have them remove these items from all 3 credit report and Thank you for your time and help.