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

A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS  GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, & XXXX acct. no. XXXX.
Product: Checking or savings account

A deposit was made in the amount of {$40.00} into a business checking account to cover past expenses of a - {$12.00} at XXXX XXXX XX/XX/21. Receipt states that any deposit after XXXX XXXX  the same day will be reflected as available the next business day. Available balance received and shown as current : {$27.00} XX/XX/21. A notification was sent to the account 's Message Center inbox at XXXX XXXX  PST XX/XX/21 stating that an overdraft fee was applied for an overdrawn balance in the amount of - {$12.00}. An email was received from XXXX at XXXX XXXX  PST XX/XX/21 notifying a message was sent to the account 's Message Center inbox. A call was placed to customer service at XXXX XXXX XXXX  PST XX/XX/21 to file discrepancy. Was informed that even though funds were deposited and shown as available the next business day a true reflection does not apply until after close the next business day. When asked if it was possible to remove the overdraft fee the customer service representative stated that only 1 overdraft removal is allotted and had already been used.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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

I sent a letter to Equifax in XXXX 2019 asking for evidence of how accounts were being verified on my account. I never received this information only the echoed words of the creditors. I understand that the accurate reporting of accounts on my credit report is not only the responsibility of the creditors but it is also the responsibility of the consumer reporting agencies. I also have a recorded phone call of an Equifax representative openly admitting that the verification process is simply a digital yes or no response from the creditors. There are no additional steps taken to ensure the creditors are providing accurate information to the consumer reporting agencies. The FCRA states:(b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report itshall follow reasonable procedures to assure maximum possible accuracy of theinformation concerning the individual about whom the report relates.Equifax has not provided resonable procedures to assure maximum possible accuracy of the information concerning my report as they are only requiring creditors to relay their own responses without the requirement of evidence to support their responses.
Product: Credit card or prepaid card

CONTACTED TD BANK NUMEROUS TIMES SINCE XX/XX/2019, CALLS EMAILS, ONLINE CUSTOMER SERVICE CONTACT SUBMISSION, WRITTEN LETTERS VIA STANDARD MAIL AND EMAIL. 
TD BANK REFUSES TO ACKNOWLEDGE THE PROBLEM OR ACTUALLY LISTEN TO THE COMPLAINT REPORTED, INSTEAD THE SAME ANSWER IS GIVEN REPEATEDLY. MY CREDIT HAS BEEN SIGNIFICANTLY IMPACTED AND SCORE LOWERED SOLELY DUE TO THIS OCCURRENCE. IT IS THE ONLY NEGATIVE IMPACT ON MY REPORT AND IS INACCURATE. 
TRIED TO PROCESS PAYMENT ON MY TC CARD IMMEDIATELY ONLINE. HOWEVER ONLINE PROCESSING WAS UNABLE DUE TO TD TECHNICAL ISSUES AND A BILLING CYCLE NOT BEING ASSIGNED, THUS NO DUE DATE WAS INFORMED TO THE CONSUMER ( ME ). I TRIED TO PAY IMMEDIATELY BUT COULDN'T. PHYSICAL LOCATIONS WERE NOT ABLE TO HELP EITHER. FOLLOWING THIS, I WAS CHARGES LATE FEES AND INTEREST ON THE BALANCE WHICH WAS PAID IN FULL. THESE FEES WERE WAIVED BUT THE REPORTING TO THE CREDIT BUREAUS WERE NOT ADJUSTED OR UPDATED ACCORDINGLY.
Product: Student loan

I am the co-signer of the loan and I believe the borrower has " tricked '' me into this private student loan obligation by misrepresentation mainly because of my XXXX and XXXX which resulted in bad financial decision. Since my XXXX and XXXX are worsening by every minute the borrower does not pay a single dime and deliberately avoid my calls and his obligation of this private student loan, I have wrote a letter to the student loan lender to ask for " co-signer release '' because of my medical condition. I have not received a response yet from the student loan lender but I highly doubt they would release a me since I pay each payment on time with a stable income.
Product: Debt collection

I have never lived at XXXX XXXX a day in my life and have been staying in the same house for over 17 years. I have been trying to dispute 2 collections of the apartment for about 1 and a half years now from Carter-Young INC collections . Both collections have recently changed from XXXX to XXXX out of no where on XX/XX/2023 so now theyre saying I owe XXXX worth of debt which is truly insane. I do not owe this debt and would like to get it taken off my credit report. Also I have never received a letter of debt collection before that magically put this debt I do not owe on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX, XXXX, and Transunion request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX  XXXX AND XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act, the following companies : XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus XXXX, XXXX  and Equifax. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX  XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.
Product: Credit reporting or other personal consumer reports

Improper use of my information and sensitive information with out my knowledge nor consent.
Product: Debt collection

CAINE & WEINER XXXX XXXX XXXX XXXX XXXX section XXXX A States I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX 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 more than XXXX years. XXXX XXXX XXXX ( A ) ( XXXX ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit card

On XXXX XXXX, 2016, I placed an order from XXXX website using a XXXX. I filled out the forms that popped up. Unknowingly, the website had me sign up for PayPal Credit. On XXXX XXXX, 2016, I received a statement for an unpaid balance for my purchase. Upon calling PayPal Credit, I find out that I have a {$2300.00} line of credit. I have paid for the transaction and closed the account. I feel that PayPal Credit did not fully vet the vendor to see how their website is signing customers up for PayPal credit. PayPal credit says they do not report to credit bureaus ; however, I am concerned that my credit score will be affected by this. PayPal credit also informed me that they are not a credit card, but my account number is XXXX-digits long. I am beyond frustrated and they need to be held to the same standards of every other company in the financial industry. I also did not receive a privacy notice until my statement arrived. Had I not opened my mail, I would have ruined my credit because I believed it to be junk mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail stating that I needed to send in drivers license, social security card, and two forms of documents verifying my address for TransUnion to update my address on my credit file in order for me to get access to my credit report. I sent that information in ( drivers license, social security card, two utility billls ), and I am still unable to get access to my credit report.
Product: Credit card or prepaid card

This is in addition to complaint complaint XXXX about XXXX XXXX. Original complaint is follows : I have two store cards with XXXX XXXX. An XXXX store card and a Walmart store card. Both provide promotional terms and I have several promotions on each. A few months ago, I realized they were applying payments to promotions that were expiring in the future instead of the ones expiring sooner. This would result in having to pay interest. 
My only request was to take the payments from the future expiring promotions and apply them to the one expiring soon. They messed up the account by taking my payments from my non promotional charges and apply them to the promotional charges instead. Thus increasing my interest amounts and causing me to pay more interest. I have emailed a dozen times, talked to 2 customer service reps on chat and called three times to complain and have this fixed. They needed to re-apply to the interest accruing amounts due and then finish applying the rest of my payments to the first expiring promotional balance. it really was that simple. Now, this is the final straw. on XXXX-18 they made three rogue and fraudulent adjustments to my account. {$120.00}, {$100.00}, and {$98.00}. They were supposed to be fixing my account. Not charging me these false adjustments that have no credit adjustments. Just to be clear. Synchrony has charged me these fraudulent charges in the process of simply trying to fix it. Now I am with a customer service rep trying to fix it again to no avail. 

Adding that I found a 4th fraudulent charge Posted by Synchrony in the amount of {$68.00}. Total fraud charges by the company ( in the pursuit of them fixing misapplied payments ) {$390.00}
Product: Checking or savings account

On XX/XX/XXXX, Discover Bank sent an email " Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. 

Here 's what you need to do : Call us at XXXX ( TDD XXXX ) to discuss your account. 
Make other arrangements for any pending transactions as they likely will be impacted while your account remains frozen. 
If you were enrolled in XXXX XXXX or XXXX XXXX to XXXX you may need to reenroll once the freeze is removed from your account. Please log into your account to confirm your settings once your account is no longer frozen. 

For information on fraud prevention and what we do to keep your account safe, visit our XXXX XXXX. 

Sincerely, Discover Bank Customer Service I have contacted the bank for information about " unusual activity ''. The Bank Agent verified the transaction but told me that The Bank decided to close my account for business reasons. On that information, i requested to send me my money back. 
They frozen my account and hold my money XXXX. This unilateral action caused huge financial damage to me and my family. 
On XX/XX/XXXX, I received a confimation email from Discover Bank confirmation about transfer from checking to Savings while account was unilateral closed. When i called about the transfer, They quickly suspend the transfer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX LVNV Funding XXXX XXXX, XXXX XXXX, SC XXXX XX/XX/year>2024 RE : No Account number listed on credit report My credit report shows a charge off or collection from your agency, I was never notified of this collection. I do believe that this debt is not accurate and under the fair debt collection protection act, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of the following. 


XXXX. An Explanation of the alleged account balance is XXXX. A calculation of this balance including the complete payment history on this account, so I have proof the debt amount is correct XXXX. Documentation that shows I agreed to pay this debt XXXX. A copy of your state license including license number. 

Stop contacting me regarding any other matter until you can provide an accurate verification of this debt. 

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

I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX
Product: Checking or savings account

My banking acct showed {$1000.00} withdrawn from my acct, said my acct was frozen. I have been to the bank 5 times for many hours and they still can not tell me where my money is. They just keep telling me it's under investigation. / WHO? WHY? I cant get an answer and now the bank says they can't help me anymore... They took my money... This all happened Aprox. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting. XXXX  XXXX, XXXX, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello to whom to may concern i had autopay with XXXX XXXX and for one reason or another payment didn't get deducted and a late payment was reported in XXXX XXXX i reached out to XXXX  and they assured me that the late payment was reported by mistake, due to autopay not working and XXXX  agreed to remove late payment from all credit bureaus. I spoke to XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst. i even spoke to both of there supervisors and they also confirmed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting XXXX, but my XXXX and XXXX  as well.