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

onXX/XX/XXXX I sent in a dispute requesting that they delete the public record due to incorrect reporting between the credit bureaus. I sent in proof and ask for an immediate deletion. Results came back and nothing was changed. This inaccurate reporting is wrong and goes against the law. I also have two credit reporting incorrectly XXXX XXXX XXXX. Attached is the information that is reporting incorrectly. Please help me remove this inaccurate information. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite many written requests, the unverified items listed below continue to appear on my credit report in contravention of federal law. Both Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) call for the authentication of these objects. If you do not validate these goods, I will file a lawsuit against you. Please abide by the law so that we can resolve this swiftly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/2021 EQUIFAX MORTGAGE SER XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have attached a copy of my filed police report and FTC report. I have never did any business or obtained any credit with XXXX. Transunion is the only credit bureau that is reporting this debt, Transunion needs to follow suit and remove as this was found to be falsely reporting. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Ppp loan on XX/XX/XXXX I was SBA approved on XXXX. XXXX ( lender ) sent PromNote via XXXX on XXXX but I wasnt able to sign until XX/XX/XXXX. I sent several requests between XXXX - XX/XX/XXXX to XXXX and XXXX but only received automatic response. They dont have live person connections at this time. On XX/XX/XXXX I was in XXXX XXXX and on XX/XX/XXXX I was back to resubmission. I called SBA, emailed XXXX XXXX XXXX over 20 times with no response. I then received a document stating I submitted another 1 & 2nd draw on XX/XX/XXXX for {$41000.00} but XXXX had me sign and initial more documents for {$20000.00}. Finally SBA reached out to XXXX they stated I had a ACH issue I re entered my banking and then they stated that I had to identify myself again. Now XXXX have my status lender submitted to SBA I was told that wasnt true and XXXX stated time ran out SBA advised them to withdraw all unapproved applications. Im very confused and upset that I missed out on a chance to regain my business and finances. I was treated unfairly and now Im out of luck and there are people without a business that received both loans and got their bodies done. Im not going to express the stress and hopelessness that Im going through but I know this should be heard. Im listed as XXXX XXXXoan approved but I was never funded and told its too late. I fee its a problem when some of my clients got loans and I am unaware of any business they ever had. This isnt fair and no one care.
Product: Credit reporting or other personal consumer reports

Credit Karma has run my credit reports over XXXX times in XXXX. This ultimately led to identity theft. I never gave my consent for credit karma to run my credit. I also received excess junk emails and junk mail and non stop spam phone calls. I cancelled my account due to the fact I could not sign on, I changed my passwords multiple times, but credit karma continued to sell my personal data and credit history to its vendors.
Product: Student loan

This company : -Does not provide customer contact information -Does not send notifications -Does not notify specifically when your repayment status changes ( e.g., when deferment ends ) If you are late in making payments for the above reasons, the company : - Continues reporting your account as past due EVEN AS YOU MAKE PAYMENTS on time - Continues marking your account as delinquent so that you can never get ahead - Does not provide documentation of past payments - Does not offer payment plans to take care of past due amounts I would also like to emphasize that reaching them is nearly impossible, so you are effectively sending money into a black hole with little verification.
Product: Credit reporting or other personal consumer reports

I know there must be someone using my identity. I was unaware of this until I tried to open a phone line at a local XXXX in XXXX. They were unable to verify me. I was asked a series of questions which I know were answered correctly. After this denial, I looked into my full report. This is when I discovered the incorrect information. I had been receiving unsolicited messages for a while now. I'm certain it is in correlation to the notification that my personal information including my social had been compromised in an Equifax XXXX XXXX some time before. There are accounts reporting to my credit that I've never authorized. I see addresses on my credit report in states I've never visited or lived. Furthermore, my cell phone and email have been receiving hundreds of unsolicited messages from subscriptions and memberships with companies I do not recognize at all. Please investigate and delete all of the inaccurate I report.
Product: Credit card or prepaid card

On or about XXXX XX/XX/2021, I had Social Security enroll me in Direct Express to receive my benefits on this prepaid card service. I was told that on or about XXXX XX/XX/2021, I would receive my card with my benefit deposited on it. 

However, on or about XXXX XX/XX/2021, I received a text message that a new pin was applied to a Direct Express card that I never personally received. I was both anxious and frustrated at this as not only is my address, email, and phone number needed to do this, but also my date of birth and last four Social Security Number. This is too high a security risk and Social Security promises that XXXX XXXX is a safe convenient experience. 

I then was sent another card with a {$13.00} charge that should be waived as the delivery of my card and subsequent theft was not my fault or responsibility. Fortunately, I had Social Security cancel my direct deposit in time. But, Direct Express Card Services refuses to take responsibility for their mistakes and waive the fee and close the card down.
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Violations by XXXX, XXXX, and LVNV Funding Details of the Complaint : I am filing this complaint against XXXX, XXXX, and LVNV Funding due to inaccurate reporting, XXXX XXXX compliance failures, and violations of the Fair Credit Reporting Act ( FCRA ). 

The following account is being reported incorrectly on my credit file : Creditor : LVNV Funding ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : {$160.00} Account Status : ConflictingReported as Open & Charge-Off Bureaus Reporting : XXXX & XXXX Violations Found : Duplicate Account Reporting ( XXXX XXXX XXXX ) This account appears twice under different names, falsely inflating my debt. 
XXXX XXXX  requires only the current debt owner ( LVNV Funding ) to report.

Re-aging of Debt ( FCRA 605 ( c ) Violation ) The last activity date is manipulated to extend the time the account remains on my report. 
Re-aging is illegal and harms my credit unfairly. 
Incorrect Account Status ( XXXX XXXX & FCRA Violation ) The account is labeled as " Open '' while also being marked as " Charge-Off. '' Charge-off accounts must be marked as closed. 
Contradictory Payment History ( XXXX XXXX Violation ) The account reports 98 % on-time payments, which is inconsistent with a charge-off. 
This creates a data accuracy issue that violates XXXX XXXX reporting standards. 
Failure to Validate Debt ( FDCPA Violation - FCRA 809 ) LVNV Funding has not provided any validation that the debt belongs to me. 
Under the Fair Debt Collection Practices Act ( FDCPA ), if they can not provide documentation, this debt must be removed. 
Requested Resolution : I request that XXXX and XXXX immediately remove this inaccurate account from my credit report due to these violations. If the bureaus and LVNV Funding fail to comply, I will pursue legal action under : FCRA 616 ( Civil Liability for Willful Noncompliance ) FCRA 617 ( Civil Liability for Negligence ) I request a formal investigation and written confirmation of the accounts deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX
Product: Mortgage

Hi, During the CV-19, I was temporarily applied for forbearance with the mortgage company MyloanCare from XXXX to XXXX. My monthly mortgage is {$1400.00} x 3 = {$4400.00} deferral to the end of my loan. The company mess-up was so bad that they show on my statement that the total amount is {$16000.00}. I called every week since XXXX. They promised to review my accounts. Until today, they still not corrected even they admitted on the call with me that is a mistake. It is so stressful and I am about to XXXX. I need to file this complaint as I believe others may run into the same situation. Please help to review the company accounts as I think they are not honest to the clients. 

thank you so much and looking to hear from you, Myloan XXXX XXXX XXXX XXXX
Product: Debt collection

Where in ARS letter does it meets the requirements of both the FDCPA and FCRA? Because I see over 10 violations. Ive gave ARS 3 cease and desist letters and ARS still violated it by sending me mail. Thats mail fraud as well. Not to mention, ARS violated 15 usc 1692g by not providing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ARS hasnt validated nor verified anything. I do not owe ARS anything nor am I paying ARS a dime. Where is the alleged contract between ARS and I? The exhibit, which is a piece of paper, only have some random names and numbers on it. I dont know ARS nor any other company. No evidence or proof I owe this alleged debt. ARS are violating my private protected federal consumer rights by accusing me of owing an alleged debt. ARS believes a piece of paper with words and names on it is validation. My consumer report as well as I, have been damaged so I am seeking monetary relief. I expect my check in the mail for the violations pursuant to FDCPA 15 USC 1692k civil liability.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX. They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Product: Checking or savings account

Back in XXXX I received a check from an employer. I thought it would be a good idea to open a bank locally so I opened an account with Truist bank and decided to cash my payroll check with them. I opened an account with the XXXXXXXX XXXX XXXXXXXX XXXX location. When cashing the check they deemed the check as fraudulent even though the check was not fraudulent by any means. They closed the account and blocked me from having any access to this account. Due to the fact that this occurred the employer sent my last paycheck via XXXX to ensure that something like that wouldnt happen again. From what i understood this cash was voided out and not deposited in my account. I was wrong. I received a statement from Truist bank that the funds had in fact been deposited into the account. I spoke with the employer who issued the check and he confirmed that the funds were withdrawn from his account in XXXXI spoke with the customer service representative over the phone and they advised me that I would have to speak with the banker. So I spoke with the banker his name was XXXX and he advised me that he would work on finding a solution to the issue. Ive called back frequently and every single time Ive spoken to XXXX he has been very rude and is not taking the issue seriously. It has been over a month and I have still not received a resolution. My now XXXX dollar balance is down to XXXX dollars because every single month I am being charged a XXXX dollar maintenance fee on an account I no longer have access to and funds I have never had access to. I refuse to pay fees on an account I have not had access to. The full XXXX needs to be sent back to the employer or I need to have access to the funds so that I can send the money back to the employer.
Product: Debt collection

I have paid all my accounts on time. On XX/XX/2020 Synchrony cancelled all my cards which negatively affected my score. All were in good standing. Because, i referred them to the CFPB they proceeded to over charge my Amazon Prime Credit Card stating past due and said they did not apply the payment to my bill because I paid 1 day before the billing cycle, I was going on vacation an paid and had not received my notice. 

When I got my XXXX Bill, admist the Corona Virus, they billed me {$220.00} amidst the crisis and stated on the online notice on the account that if not paid they would report me to the CRA. 

I had to pay {$220.00} usurious charges because they failed to apply a payment I made. They take about 24-48 hours to apply payments. 

This company is totally unethical and is purposely dismissing the orders of the National Emergency set by our President. They also added the Account Secure extra billing w/o my knowlede. All I asked for was for paperless billing and they proceeded to add it and just noticed it since I get online notice for my bills and recently got a late payment notice when I had paid my bill. 

This company should be looked into. They violated my right sunder the FCRA and Truth and lending act. Evidence of on time payments will be sent.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions that have appeared on my credit report. I promptly reported this fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. Please delete this account : XXXX XXXX
Product: Debt collection

Last year employees of Credit Central, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX, ( XXXX ) XXXX started calling me to ask me to ask my brother to call them. They said he listed me as a reference on his account. I gave my brother the message. Since then this company calls me constantly until I had to ask them to stop calling my house. I do not have an account with them, have never had an account with them and the harrassement is bothering me and my husband. We are both senior citizens, my husband is a veteran, and we just want to live in peace.
Product: Debt collection

Hello how are you I have the knowledge I own almost XXXX XXXX dollars for at chase bank and I paid o ready but this people garnish my account again at work the XXXX time for same amount and never received a paid off later the 2 times o ready pay this people go to my account take it the money XXXX time XXXX XXXX XXXX
Product: Mortgage

I paid my loan off in XXXX. My auto bill pay sent 2 more payments for my mortgage incorrectly. I was reimbursed for the XXXX over payment. The XXXX payment has not been reimbursed and company will not help. I spoke with XXXX, XXXX, XXXX and XXXX. My last call was on XXXX and I spoke to XXXX. He said that there is nothing they can do and it takes 30 days to refund the over payment. He also said he would have XXXX call me the next day. I've never received a call nor have they helped to refund the money. Initially they said it took 6-10 days, then the next time I called it was 15 days and now it is XXXX. They also refuse to allow you to speak with a supervisor and when I called XXXX ( Supervisor ) extension it just rings and there is no chance to leave a message. They received the {$3200.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking experian, XXXX and XXXX to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681i-experian, XXXX, and XXXX have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.
Product: Credit card

I bought a vacuum cleaner through XXXX XXXX who uses Synchrony bank for credit with six months no interest in XX/XX/2023. I schedule regular payments on the credit card through the website, the due date established was the XXXX of the month, the payments started XX/XX/2023, in XXXX the bank moved my due date but not the payment date, they have been assessing me late charges since. I just got a call today to let me know the account is delinquent when it should have been paid off this month. They are charging me an additional {$220.00}, these is all late fees and interest. 
They have opened a complaint - No XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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
Product: Money transfer, virtual currency, or money service

I would just like to login to my PNC online banking through this app called XXXX  and it will not let me.
Product: Debt collection

I have been trying to resolve the matter with this Company Rausch , Sturm , Israel , Enerson & Hornik LLP with an agreement to pay off the debt that I own on my Credit report and it is XXXX dollar. The problem is they I want negation settlement agreements for the amount of {$3000.00} they did not send me evidence of the settlement agreement to pay off the settlement agreement debt to show I paid them off. The company wants me to accept the verbal, agreement not a document settlement agreement and that is very wrong to do. This company has too many complaints with the XXXX XXXX XXXX about make a verbal agreement and take people, money and sell their debt to another Law firm. This Law Firm files legal action against a consumer when they want to give them money over phone verbal but they want to accept document agreement they have a history of sell consumer debt to other law firms and make people pay over again what they already resolve the first time.