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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX IS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My personal electronics were hacked and used to send unauthorized payments through via XXXX XXXX and I was unable to dispute the fraudulent charges.
Product: Mortgage

Seterus is now demanding a minimum payment that is more than {$300.00} over my contracted amount. The " servicing '' department has also added more " fees '' to the amount owed on my mortgage. Seterus seems to be indicating that a portion of the payments I have been making ( all complete and made in a timely manner ) is being held " in suspense '' because they have been individually or collectively partial payments, something they NEVER informed me of, despite repeated requests to send monthly statements. They are also continuing to send me mail without my name spelled correctly, so I still am completely unable to communicate with anyone at Seterus either by telephone or writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously stated a compliant, But in my investigagting I realize that this is more the inaccuracy clerical error of Experian. Experian is reporting XXXX/XXXX XXXX XXXX  as OPEN DELIQUENT. XXXX ( closed it XX/XX/2016 ) and XXXX ( closed it XXXX.16 ) are reporting correctly that it is Closed- Sold, Transferred. Because of this inaccuracy my credit score is very low. My bank tells me if I would have good  credit otherwise. I called XXXX XXXX to make sure that I did not have a loan left unattended, but they do no have record of any open accounts with them no do the 8 other phone numbers they referred me to to see if I had an open student loan in default per XXXX or XXXX XXXX XXXX. All of my loans are now serviced through XXXX. I would like Experian to correct this as soon as possible so I can have the credit score that I am worthy of. To be noted- this loan is double reported. This is the same loan as reported XXXX- which is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2019 Capital One Auto Finance pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Capital One Auto Finance Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}
Product: Credit card

On XX/XX/XXXX I mailed a check into American Express to make a payment on my account. The check cleared the account on XX/XX/XXXX, signaling they received the payment. As of this week ( XX/XX/XXXX ) they had still not applied the amount of the check to my account. on XX/XX/XXXX I reached out to American Express, provided them with proof of the check clearing and American Express having received the check. Today, XX/XX/XXXX, American Express closed the dispute saying " We request you to contact your bank/financial institution in order to initiate an appropriate action regarding the payment. '' I already reached out to my bank, and they provided me with proof this is incorrect. I submitted this document ( including a photo of the check ) and it was ignored by American Express.
Product: Checking or savings account

I had opened an account, but as soon as I opened acct it looked like the number was changed. I notified customer service and switched my acct to be safe. Since I have had some issues lately, I have replaced phone and had to even get new number, which makes it hard at times logging in when codes are sent. I had asked once before about gaining access to account I can't get it and it was said I should just open another. I didn't want a bunch of accts, but it seems that everytime I need to replace phone and I try to transfer apps, it makes me open new acct. I have three cards now but only access to 1. With info. I was going to have funds deposit into acct from rental assistance and tax rtn but as soon as I put it thru to process it seems I no longer can access. I also had concern about the bitcoin and what it felt like it presented. With an oddly high price per share, I didn't see anything that showed me if it was my bal or just there with options to send or buy with a note that states u can't get back? 
Since I had been expecting a deposit that could be kinda large from reimbursement for covid expense, I asked and I was told it was just the value? 54k, for 1 unit? So I felt the presentation represented funds that looked like mine but in essence was told that it was just representing the balance. I had looked at another app page to see if that showed the same balance. It didn't seem to. I was concerned that incoming deposits were being placed there instead of acct. And with my card being open one day n closed the next, I have no access to see if the bal is zero or what. 
So I have XXXX cards last XXXX digits of the cards are XXXX, XXXX, XXXX. 
I had also asked the SEC. Considering the balance seems incorrect for what it is and I have had invested accts n it seems to me whatever the source is that makes that amount, has probably misposted amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent account, XXXX XXXX XXXX, XX/XX/2015, XXXX $
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an collection account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$580.00} under the account number XXXX, an collection account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$190.00} under the account number XXXX. A personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me. all of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX, as proof from US Federal Trade commission that all of the aforementioned accounts and, collections are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters/disputes to each company about these inaccurate, violations and reporting on my credit report Ive ask them to investigate and delete account misleading information on accounts
Product: Debt collection

I have requested that the debt be investigated with Wells Fargo Which was never done and they are continuing to reporting a debt that does not belong to me. My consumer report shows that the debt was charged off on XX/XX/year> but I never received a XXXX Cancelation of debt and they continue to send me settlement offers through the mail. I want them to DELETE the item immediately as it is actively harming my consumer report and hindering me from my pursuit of happiness and financial endeavors. If you do not delete the charge off within 15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the charge off I will have no other choice but to have my local Congressman promptly submit a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Your cooperation in advance is appreciated. This will be my final attempt before I punctually seek litigation. My attorneys are pending your reasonable response Thank you.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX due date and total bill of {$8900.00} which included interest charge of {$150.00}. Payment {$8900.00} received and confirmed in full XX/XX/XXXX. 
However, an additional interest fee of {$130.00} is requested by XX/XX/XXXX despite confirmation via calling before XX/XX/XXXX pymt assuring account would be XXXX balance after {$8900.00} received in full before payment due date. 
XXXX XXXX stated today XX/XX/XXXX @ XXXX, that I was told incorrect information at that time, additional interest accrued XX/XX/XXXX despite account balance XXXX via automation at that time. 
Customer service attempted to remove additional {$130.00} fee stating I should not have been charged this however could not override in system. 
I stated with Supervisor I complied with all per my statement in addition to confirmation of Chase representative prior to mailing payment overnight at the local postal service to assure this payment arrived as promised.

My efforts proved void although as a valued customer I did exactly as Chase Freedom stated.

Pray fully this service will be more successful in helping me resolve this issue before XX/XX/XXXX which is the date this {$130.00} additional payment is expected. 
Thank you all for all you do everyday and for everyone. 
XXXX XXXX XXXX, XXXX
Product: Debt collection

This complaint is against FCSI aka : Franklin Collection Service , Inc . I want to keep this company from reporting inaccurate information. I do NOT owe this bill of {$62.00} and I expect them NOT to report inaccuracies. 

FCSI has purchased my account from another collection agency after XXXX XXXX XXXX ( original creditor ) & XXXX has since removed their accounts for the amount of {$62.00}. I want to ensure that FCSI does not report this erroneous account to collections. They failed to show me all the proof I had requested to prove that this account that has been removed from XXXX XXXX XXXX and XXXX XXXX, is mine. They also ignore my request to furnish the information in the letters attached and remove this account. 

I wrote to them XXXX times with certified mail and the last time received no response. 

I am disappointed with XXXX XXXX XXXX and disgusted by FCSI companies ' practices.I would never recommend any of these companies to anyone as being honest and forthright. 

I must say, it must be against the law to double dip. All of these collection companies claim this so called " account '' as a loss when they do their taxes. By doing this, they forfeit the chance to get paid, while collection companies also try to collect money from unexpected customers, which is considered " double dipping ''. I would like to shine a spotlight on this and every company trying to do shady business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   (  known today as "  XXXX  ' ' )  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my Transunion credit report in the "  Closed  Accounts '' section until it was removed from my Transunion credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with Transunion along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, Transunion did not accept this evidence so as to remove this account from my credit history. I called again to Transunion and they asked me for another kind of lette r ( Credit Correction Letter ). T hen I called again to  XXXX  and they informed me that they " will '' send  a Credit Correction Letter.   Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on TransUnion and XXXX. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.
Product: Credit card or prepaid card

I pay my credit card bills on the day of the due date each month. This has never been an issue with any credit card providers until I signed up for the XXXX XXXX store card by Synchrony Bank. Currently, if I pay this on the due date, I am assessed a {$25.00} late fee for doing so. This has happened twice to me now, as it appears to trigger a late fee if submitted on the due date, but after a certain time. For instance, if I pay it in the morning of the due date, there is no late fee. But if I pay it i the afternoon, there is a late fee. Both times are before their XXXX EST cutoff. Typically, late fees are considered to be detrimental to one 's overall credit score. How can Synchrony get away with charging late fees for on-time payments? It also leads to the question of why are they holding onto this late fee of {$25.00} before refunding it? What are they doing with that money that they essentially took from me without my permission? Are they conducting some sort of a short-term investment strategy with their clients money/late fees? 

I reached out to them to dispute an unwarranted late fee, and they kindly explained that it would be returned since I paid before the due date/time cutoff. They said their system automatically assessed the late fee, and it will be refunded. However, I am not buying that it is this innocent to say, " sorry, we took your money accidentally, and are returning it. '' On top of that, I had asked if this affects my credit score, as any late fee would. They said they could not answer that question. I do not have proof that it has affected my credit score, but if it does, I will not be a happy customer. 

This is very poor practice, and to be honest I am surprised it is allowed by any credit card company. This needs to be investigated so that Synchrony is no longer able to take advantage of their customers and their money. If their internal software is not able to handle processing same day payments without late fees, then perhaps they should have their ability to operate suspended until they can resolve this.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$21000.00}
Product: Student loan

My issue is regarding excess payment allocation.
Great Lakes Educational Loan Services is the servicer of my Stafford loans. I have 4 Stafford loans in total, each with a different interest rate. The highest interest loan is called " Loan Token 330. '' My monthly payment date for these loans is the XX/XX/XXXX of every month. In XX/XX/XXXX, I paid my monthly payment via autopay on XX/XX/XXXX. I also wished to make an excess payment in the amount of {$800.00} toward Loan Token 330. I  called the Great Lakes customer service phone number on XX/XX/XXXX to make the excess payment. Great Lakes customer service was closed on XX/XX/XXXX due to the XX/XX/XXXX holiday, so I was not able to reach customer service.
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Great Lakes customer service reopened on XX/XX/XXXX, so I called on XX/XX/XXXX to make my excess payment. The customer service representative promised over the phone that my excess payment would be applied to Loan Token 330 only, and promised it would not be applied to my XX/XX/XXXX monthly payment. <P/> I logged into my Great Lakes online account on XX/XX/XXXX and saw that the excess payment was applied to my next monthly payment, instead of being applied to Loan Token 330 only. <P/> I called Great Lakes again on XX/XX/XXXX. For the first time, Great Lakes customer service explained to me that an excess payment must be made on the monthly payment due date if it is to be applied to a particular loan, and not to the next monthly payment. This information is not available anywhere on the Great Lakes website. The Great Lakes website states that an excess payment will go toward the next monthly payment first, but it does not state anywhere that the excess payment must be made on the monthly payment date to avoid this. Furthermore, I was told conflicting information during my phone call on XX/XX/XXXX : Great Lakes customer service told me that the excess payment would apply to Loan Token 330 only. <P/> During the call on XX/XX/XXXX, Great Lakes customer service told me that an " exception '' would be made for my payment, because they were closed on my payment due date, and because their customer service told me incorrect information on XX/XX/XXXX. The " exception '' would fix my excess payment so that it would go toward Loan Token 330 instead of my XX/XX/XXXX payment. <P/> On XX/XX/XXXX, I called Great Lakes again and was informed that the " exception '' did not go through and my excess payment would remain applied to my XX/XX/XXXX payment, rather than to Loan Token 330.
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I want the CFPB to help me get my excess payment applied to my desired loan.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Midland Funding Llc XXXX are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now Midland has put an additional XXXX XXXX XXXX XXXX with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX  {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XXXX/XXXX/XXXX XXXX. Midland Funding LLC {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX5. Midland Funding LLC {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.
Product: Debt collection

Resurgent Capital Services L.P. is collecting on a debt that they cant validate. As per letter they sent. They are in violation of 15 USC 1692 ( 2 ), 15 USC 1692 ( 5 ), 15 USC 1692e ( 2 ), 15 USC 1692e ( 10 ).