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

I asked XXXX for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on XXXX says XX/XX/2020 and Experian says XX/XX/2020. 

In accordance with the fair credit reporting act, XXXX  account # XXXX, has violated my rights. 

15. u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( PENNYMAC LOAN SERVICES ) claimed I did not make my mortgage payment in XXXX, 2017. 
- I made one payment on XX/XX/2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) ; - I made a second payment on XX/XX/2017 to PennyMac ; - I made a third payment on XX/XX/2017 to PennyMac. 

PennyMac reported my account as late for XX/XX/2017 which is inaccurate. I have reached out to PennyMac and the credit agencies several times to get this removed. However, it remains reported late.
Product: Credit card or prepaid card

This complaint is regarding Synchrony Bank. My husband and I have around 4 credit lines with them, for different merchants. At 1st I was making larger payments to pay them off. After I paid one account off they closed it! Following that, Synchrony closed the account a few days later. From there, our scores started to drop, even though our payments were on time. Then 1 by 1 they started to reduce our credit line. Following that ( within a week ) they started to close those accounts. What happens from there?! Our credit scores drop significantly. When asking the bank, why? Their response was ; we take your credit score into effect. However, theyre the ones that ruined our credit. I have no idea if we can even fix our credit at this point.
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 Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Equifax and XXXX is not following the ( FAIR CREDIT REPORTING ACT ) they do not want to remove these inaccurate accounts. The attachments Im submitting to you are from XXXX following the ( Fair CREDIT REPORTING ACT ) showing you that they Delete the inaccurate Accunts.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency TransUnion LLC is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my TransUnion report and notice 11 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting TransUnion with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Transunion LLC knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, TransUnion must remove the 11 inaccurate and incomplete accounts listed in my notice sent to them on XXXXXXXX  or face legal action for noncompliance.
Product: Debt collection

I have XXXX closed complaints against XXXX XXXX Weinberg & Reis Co. LPA : XXXX, XXXX, and XXXX. I have been trying to reach the person managing my file and no one responds back. I have left emails and voicemails but I can get no connection. My file details are XXXX FILE NO. XXXX. 

I have been trying to work with this company since 2020. They are reporting to the XXXX credit agency that I am in collection for a debt of {$19000.00}, however, we have a stipulation agreement in place at this time and I have paid down the debt and I currently have a balance of {$11000.00}. 

The information is currently incorrect and I would like to work with someone at XXXX to address the matter. It seems like I am being unfairly penalized. I have attached my communications to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA. On XX/XX/2022, I applied for apple credit card. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the emails you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Your company should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

I owed the exchanged credit program a total of {$21.00} left on my account for my military star card. On XX/XX/2018 they withdrew {$900.00} from my XXXX for a {$21.00} payment. Ive called them multiple times to see why they did that and when they will refund me my money back. They insist on telling me they have no recieved this money yet clearly on my XXXX it shows that they took it and that they have received it. We are in XXXX no and I find it hard to believe they havent received this money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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

I have disputed accounts that are not mine with Equifax several times. I sent an FTC Identity Theft Affidavit to them several months ago and they did not comply with the laws under the FCRA. Upon speaking with a rep on XX/XX/2021, he explained the account numbers on the Affidavit were incorrect and that was the reason the accounts were not removed from my file. He proceeded to give me the correct account numbers and instructed me to send in a new Affidavit with the correct information. I followed his instructions and sent in the required documentation on the same day via fax. As of XXXX, 2021. They still have not responded to the Affidavit nor acknowledged receipt. I am making this formal complaint to accomplish two things. 1. Put the sequence of events on record. 2. Establish a corroborating evidence that these documents and complaint were initiated by me in the event I have to take legal action.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit card or prepaid card

Today I received an e-mail from Capital One Visa stating that my max credit line was decreased from {$53000.00} to {$30000.00}. The explanation for such dramatic decrease was worded this way : " Recent usage of this account for monthly spend has been too low ''. 

This is my business card and I intentionally keep high credit line to be used when I need to purchase expensive equipment or a large amount of supply. Such needs arose in the past and this prompted me to have a high limit available to provide more flexibility. 
My usual monthly utilization is about 20 % -25 % of the maximum. I have an excellent credit score and has never been late in my payments with any financial institution. 

As soon as received the e-mail, I contacted Capital One and spoke a rep and her supervisor. They expressed no interest in trying to help me reinstate my credit line max. 
" Wait for six months and then ask to increase your limit. Maybe you'll be successful, maybe not ''. 

Now I don't consider it to be even marginally acceptable. This is not how a respectful institution would treat a loyal business customer who maintained an impeccable record, and not only has an active business account, but also used personal credit cards and a sizable saving account with the lender. 

I would like the bank to reinstate the max credit line amount I had before they cut it almost in half without either notifying me or giving me an opportunity to agree or disagree with their decision. I see no reason for them to do what they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax security breach is a horrible act of neglect on their end, and being affected by this has caused me to waste hours of my personal time in an effort to see if I 'm affected ( at best ), and may result in personal damages to my financials ( at worst ).
Product: Credit card

AMEX refused to take the charges off after my dispute. I complained about the XXXX XXXX dollars for clothing from a company picking out a few clothes for me. I also requested a new credit card after mine was stolen. I never received it. My account was closed without my permission. My bills were paid in full every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried correcting my address with experian several times over the last few months. according to CFPB the only address allowed on my credit report is the one where mail can be delivered by the USPS. all former addresses i can not receive mail there
Product: Credit reporting, credit repair services, or other personal consumer reports

American Bank will not stop sending me credit card offers. I've called multiple times and they continue to harass me with multiple offers every day. When I called to cancel they said they wanted my social security number and bank details. Very suspicious.
Product: Credit reporting or other personal consumer reports

I'm a XXXX XXXX XXXX customer and have been for over 6 years and unfortunately this year of XXXX there have been a data breach that dated back to XXXX and I have been a part of it.The data set appears to be from XXXX or earlier, impacting approximately XXXX XXXX current XXXX XXXX XXXX account holders and approximately XXXX XXXX former account holders.This caused identity theft to happened with my SSN and making fraudulent accounts to be open and for some of my accounts thats already open to accrue late payments because of the fraud that's going on with XXXX and then to later change into negative and charge off accounts and collections. The late payment accounts and collections on my credit report are fraudulent and showed be removed and late payments removed 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was not able to link my PNC account with my credit card in order to never make a late payment
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zeller 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Prepaid card

Relieved from work a XXXX XXXX American Express egift card XX/XX/XXXX. I have tried numerous attempts to use it on XXXX, only went through for a XXXX XXXX purchase but is declined for anything bigger. I tried buying gift cards through XXXX XXXX online to XXXX but the expiration date on the card is not available when selecting exp dates ( card expires XX/XX/XXXX but XXXX XXXX only goes to XXXX ). XXXX XXXX XXXX  retailers will not accept this card ( grocery stores ) so it's been unusable and co-workers are having similar issues.
Product: Checking or savings account

I wrote a check addressed to a person. Bank of America let someone with a completely different name endorse and cash the check. The name used to endorse and cash the check in no way resembled who the check was addressed to. I filed a claim with the Bank XXXX Bank of America ), and despite the fact that the error was clearly the bank allowing a fraudulent person to endorse and cash the check, they made me go to a notary to attest I didn't have anything to do with the fraud. I submitted this, and they still haven't done anything. They have not followed up, and have been non-responsive. I have a physical letter from them with a claim number, but nothing is updated on my bank statement or web portal, they are clearly trying to make it exceedingly difficult to get this process resolved. 
The Law states that banks are solely responsible for enabling other people to cash checks that are not made out to them or endorsed by the payee. Bank of America is clearly trying to make the process exceedingly difficult so as to avoid having to pay.
Product: Credit reporting or other personal consumer reports

XXXX Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested one of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call XXXX XXXX  XXXX credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for XXXX months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from my account. Thank you.