23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX. 

Experian XXXX XXXX : # XXXX, I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about TCS - they responded back to the complaint that they did not know about the court order to remove my name from the judgement in 2012 and said they would remove it immediately. That was over a month ago and they are still reporting the collection on my report as of yesterday when I ordered a new report. I have a pending auto loan, and the bank will not grant the loan until this is removed from my XXXX credit report - once again - they are preventing me from getting an auto loan because of their reporting.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. Equifax removed all the fraudulent accounts that were reporting, but left the inquiries from the fraudulent account on my credit report.
Product: Credit card or prepaid card

Synchrony BankXXXX XXXX I tried several attempts to resolve this account with Synchrony BankXXXX XXXX. They reported on my credit file in many errors as ND/No Data for 5 months then the account charge Off Then they closed it out. I wrote them disputing this account several times with no response to the matter. Then they told me on XXXX they sold it to a company named XXXX XXXX in which never in all this time mailed nor contacted me to this account. XXXX XXXX has not ever showed up as any collection on my account nor mailed me any letter which I 'm by law entitle to dispute any charges or the account. Cach llc is in bankrupt and various legal issues with various law suits. Synchrony BankXXXX XXXX is the originator of the loan in which they have violated my consumer rights. When calling them its nothing but the run around as to all the time I disputed the account and mail letter disputing the issues. Now they state the account was closed in XXXX. Of the 3 credit Bureaus Synchrony Bank/care Credit reported error information payment showing being made then on another credit report CO/Charge off but showing payment made on my other credit report show last payment made but nothing that Synchrony Bank reports match up and the credit Bureaus say they only go by what they report. There is nothing on this account accurate by Synchrony bank as to how they report correctly. 
My other issue would be to file suit on Synchrony and provide documents showing there errors amounts and letters mail to them time after time regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, XXXX  and again it was closed immediately. It was marked as no further action but I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

File an complaint on my credit card ac ount number XXXX my credit card been cutoff since the year of XXXX would like some one to look in to my credit card since day one with okay
Product: Credit card

Hello, I made a purchase from XXXX from a seller for " beauty peptides '' using my Apple Card on XX/XX/year>. During these purchases, it very standard to get these products " tested '' for sterility and actually containing the stated ingredients for safety and quite frankly ensuring you get what you paid for. These tests are extremely expensive but when buying in bulk, as I did with XXXX, it is standard process. This references XXXX order XXXX for {$410.00}. After receiving the product on/around end of XX/XX/year>, I sent a test to a reputable lab and that process took around a full month or so ( hence the delay from order date to the date of knowing what I ordered was considered unsafe and fraudulent ). I have sent Apple Card a plethora of documentation, including the failed report, and substantial evidence that XXXX had terminated this account from its platform and made it impossible to reach anyone at either the original company of which I bought from on the XXXX platform and even moreso with XXXX directly. Therefore, I have disputed this charge numerous times with Apple Card to no avail and need assistance. The most recent re-disputed ID is XXXX.
Product: Debt collection

I applied for a capital one credit card years back and when I tried to pay it back Th wouldnt let me and said its already in collection. So its really messing with my credit right now and I would like to get that fixed. Due to these hard times during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent 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 the Experian account is reporting # XXXX Date:XXXX Amount {$13000.00} and the XXXX account is reporting # XXXX Date : XX/XX/2021 Amount {$13000.00} it is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so please delete this erroneous item immediately account # XXXX  DateXXXX Amount {$500.00} has violated my rights Account # XXXX Date:XXXX Amount : {$410.00} has violated my rights Account # XXXX Date : XX/XX/2021 Amount : {$2100.00} has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. XXXX XXXX  XXXX {$570.00} XXXX XXXX  {$5700.00} XXXX XXXX  {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX  {$7900.00} XXXX XXXX {$790.00} XXXX companies are reporting late when my payments have always been on time. XXXX XXXX XXXX XXXX balance XXXX NEVER LATE XXXX XXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian, not XXXX XXXX XXXX has not deleted this misleading, erroneous and inaccurate account in over 180 days when the law states 30 days. They have not furnished an Original contract bearing my signature and also all dates and balances are inaccurate as this account and details are not mine, the address to this account also does not belong to me nor does it reflect on any of my credit reports from any bureaus. Please delete this erroneous account immediately. All major credit bureaus should claim to have verified this information but are doing so in a lackadaisical manner ; they have not taken every step to make sure each and every detail of this account is accurate because any inaccuracies merit deletion which is my right.
Product: Debt collection

XXXX/XXXX ruined my credit over a dispute. I had excellent credit until I moved and they charged me for early termination of the security system that never worked ( I had monthly conversations with XXXX in their technical support dept ). The {$1700.00} they sent to the collection agency I was told included the equipment, which was returned to their XXXX XXXX office. I have no problem paying for the cable service even though I moved, however, I refuse to pay for the additional charges they are asking for and I can not get them or the collection agency to look into the bill. I have asked for detailed statements and they refuse. I asked them to look into the complaints for this security system that never worked and they refused. They only say pay the bill or we will ruin your credit-WHICH THEY DID!! I paid the bill every single month for three years and when I moved out the new person, XXXX XXXX, ran up the bill for three months and I got stuck with that also. I notified them and they told me too bad you should have disconnected the service when you moved. I would like to get this corrected because I am trying to get a job but this is hurting me. I moved to a new state and can not get housing because of this.
Product: Student loan

I graduated college in XX/XX/XXXX. I had a private loan through XXXX ( now the loan is owned by Navient ). I got married in XX/XX/XXXX, we have XXXX child, a house car etc. The entire time, I never missed a payment. In XX/XX/XXXX, my wife and I filed began the steps towards divorce. She moved out of our home. My private loans were about {$500.00} a month. She stopped paying her half of everything, including the mortgage. I could n't afford this all on my own. I contacted Navient and asked for help ( several times ). I asked what my options were, hoping for a lowered monthly payment or a new income base repayment that took my bills and debt into play. Every time I was steered towards forbearance. Finally, when I felt that I had no other option and did n't want to miss a payment, I agreed to go into forbearance. I asked several more times, but again, was told that this was my only option. My monthly bill is now {$530.00} and I am having a harder time than ever before.
Product: Debt collection

I authorized Portfolio Recovery Associates to withdraw XXXX from my account monthly to pay on a closed XXXX. Instead, they took out XXXX. They did not have an answer when I called and asked why it happened.
Product: Mortgage

I have paid off my loan on XX/XX/XXXX and they received my funds on XX/XX/XXXX. 
Instead of applying the funds, the funds sit in as unapplied. The loan remains open, daily interest continues to accrue and they have not been responsive. 

I have called them on XX/XX/XXXX, again on XXXX, XXXX and on XX/XX/XXXX. 
I keep getting conflicting dates of when it would be resolved. I have been told 3-5 business days, then 5-7 business days. This should have been resolved by XXXX or XX/XX/XXXX, based on their outmost projection. Instead they claim that customer service cant help and they have to process a request to the accounting department. I have asked for this to be expedited and sent to a supervisor, but nothing get done. On XX/XX/XXXX they said it has been marked for priority and will be done by XX/XX/XXXX, but still not done. I was told that a supervisor from the " accounting/applications '' department will call me, that has not happened either.
Product: Mortgage

The financial institution sent me documents that had the loan numbers and addresses mixed up on my properties. None of the amounts due on the payoffs match the payment histories. They also told me on several recorded phone calls that after receiving a divorce decree they would remove my ex husband from the loan. After receiving this decree, they refused to remove him. They have had me resend the document at least XXXX times and they have not removed him. They have communicated with him and accepted loan modification documents without me. They removed the loan from his credit but they wont remove him from the loan. He is not on title and this has also been sent to them. It was incorrectly recorded originally. The company has been asked to review all of the loans on my XXXX properties because I had mortgage insurance that paid off the loans if I defaulted. The XXXX  number in the loans states the loans dont exist. The note is with a different bank. My loans have been transferred from bank to bank. I had 100 % financing on one property with XXXX who when they closed there business permanently merged my first and second and transferred the loans to XXXX. My loans were inflated {$990.00} XXXX times in XXXX day with no reason. My loans were inflated hundreds of thousands of dollars several times. There was an assignment from XXXX to XXXX XXXX for my second loan XXXX years after XXXX closed their doors. I was able to get XXXX bank to reconvey that loan because it was fraud and they eventually did because I threatened to report them to the government as another bank on the list of predatory lenders. I filed bankruptcy and all my loans were discharged and they are still threatening foreclosure. I asked them to review the loans and gave them specifics as to why the loans are paid off already and their response was sent to me with the loan numbers mixed up with the wrong addresses. The payoff histories have the addresses mixed up also and at XXXX point all the properties have the exact same payment and balance due on the same date. They gave me principal reductions and reversed them. On XXXX property they foreclosed without notice during a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I mailed Equifax disputing an inaccurate account on my credit report from XXXX XXXX XXXX Equifax opened the dispute on XX/XX/2019, according to their website. Since then, this account has stayed under dispute. It has not been corrected, updated, or deleted from my credit report in 162 days. Equifax was supposed to resolve this within 30 days, so this has taken 132 days more than is legally allowed and the issue has still not been resolved. 

I have sent Equifax additional disputes in the mail regarding this account after I did not get a response, and Equifax responded each time by saying the account was already being investigated. After that, I contacted Equifax by phone and was routed to their call center in which the representatives have a foreign accent and are not capable of understanding any issues outside their script. I explained to them exactly what was going on and they kept saying that it will remain under investigation and that nothing could be done. They either did not understand or they did not have any authority to correct the mistake.
Product: Vehicle loan or lease

I called Santander Consumer USA on XX/XX/XXXX at XXXX regarding my auto loan. I have been struggling to make payments. I have received a large number of calls from them in the past, borderline excessive in some cases. 

When I called the company, I spoke with a representative. I informed them of my intent to make a payment in 16 days, and they said that since it was more than 14 days away they couldnt accept it as a formal arrangement, and that I will continue receiving phone calls. I informed the representative that under the FDCPA they can not immediately begin calling me as there is a limit in getting call backs ( within 7 days ). I have experience as a debt collector and understood compliance wit hthe law. The representative then stopped talking, and when I asked him if he understood what I was saying he hung up on me. 

I then received calls on XX/XX/XXXX and XX/XX/XXXX. I called the company back on XX/XX/XXXX and advised them of the excessive calls ( and emails, one of which was sent within hours of my first call, asking me to call them to discuss payments ), and they told me that the only thing I can do is request no calls. They said that they use an automatic dialer, and unfortunately they can not adjust how often it makes calls of whether it can call someone back within 7 days of a confirmed contact. I told the representative that this is illegal and that I would be filing a formal complaint due to harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. As a victim of a data breach, my personal information has been compromised, and the accounts and inquiries are fraudulent.

Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX. XXXX - XXXX - XX/XX/XXXX - {$XXXX} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

They have charged several overdraft fees to my account on funds that were refunded from the retailer. I explained to them but the refuse to refund me my fees. They have incorrectly charged me thousands of dollars over the years.
Product: Debt collection

On Friday, XX/XX/2020, someone named XXXX from this company contacted a relative of mine wanting them to send documentation about myself. Never heard of this company and had to do a XXXX search.
Product: Credit reporting or other personal consumer reports

XXXX.Each I pay for my closed account, XXXX XXXXXXXX report negative remark to credit bureas I never made the payment. 
XXXX.Each month I receive more than XXXX different minimum payment from XXXX  XXXX from the bank App, written letter the send to my address and credit reports. 
XXXX, on the XXXX credit bureas XXXX do not state exact minimum payment and actual payment I made. 
XXXX, XXXX  XXXX filled XXXX degoritory remarks on my credit file with only XXXX and transunion because XXXX had disputed and resolved after the gave inaccurate reports to XXXX I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from bureas is less than {$70.00}. 
XXXX XXXX received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, XXXX  XXXX refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on XXXX and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit burea as ended at {$2000.00} and on XXXX XXXXXXXX bank {$2000.00}. 
XXXX, XX/XX/XXXX XXXX XXXXXXXX add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest rose from XXXX % to XXXX % and capital one increases it every XXXXmonths. 
XXXXi got XXXX  XXXX mail at my mail box with minimum payment of {$120.00} for month of may and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. XXXX on XXXX occasions turned credit education thrice services because I engaged them for transparency. 
XXXX. XXXX  XXXX did not report my first till XXXX payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.
Product: Credit reporting 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 U.S.C 1681 sunrise credit service XXXX Credit report XXXX credit report. Experian .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Money transfer, virtual currency, or money service

I got scammed on XX/XX/XXXX on a sunday between XXXX XXXX  and XXXX XXXX  of the amount of XXXX dollars I was sopost 2 send a 1 time payment 2 this women but she scammed me in texting me as if it was zelle assuring me that my money didnt go through due to my protection and my money was refunded so I kept trying and yea she just ended up scamming me preety bad I have the documentation for proof and zelle nor my bank want 's 2 refund me so Im here asking for help please and thank you there must b something I can do this women did fraud and pretended 2 be zelle and I'm a fool for falling for it but had no clue zelle didnt do that
Product: Credit reporting or other personal consumer reports

There was a vehicle purchased in my name and I haven't purchased a vehicle in XXXX decades or more. This was a huge truck fully loaded for a big strong man, I'm a small woman my height is XXXX and I don't buy vehicles because the car payments are XXXX high. I'm XXXX living on a fixed income and I only get paid once a month. I could get approved for a vehicle that expensive in my dreams. The bank is XXXX XXXX and I told them it's fraud.