23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My granddaughter was scammed by XXXX of her friends by processing a stolen check through her checking account. When I got the letter in the mail of a returned check I immediately went to the bank. The representative printed off the check, it was from someone in New York. After doing some investigation I found that the check had been stolen from an elderly woman by her care taker. I contacted the bank and advised them what I had found out. I also pressed charges against the young man. After all the back and forth with the bank they sent it to a collections agency. 
The agency contacted me and after explaining to them took they offered me a settlement amount if I were to pay {$200.00} on that day and XXXX payments after that. I asked if they would send me something in writing stated the agreement before I send in the payments according to the arrangement. I was told I would get a letter, I never received an agreement. I contacted them XXXX times after not receiving anything. They finally said they sent it to my granddaughter 's school where she attends college. I phoned my granddaughter and she stated she never received a letter. Phone calls went back and forth and I never received an agreement but was told it was documented and that I could send my payments. We started making payments and each time we made a payment it never reflected the agreement we had made only the amount that had be sent to them by the bank. 
I phoned back and was told that because I had missed my payment arrangement it was cancelled and would have to start a new XXXX. I explained I did not missed a payment, it was poor communication about the letter I was to receive. I started to send payments. I decided that we would make payments in increments as long as the amount was paid by the date they set. I ask if this was ok and was assured it was. We continue to make payments and each representative would give me the original amount until I explained the agreement. I would place me on a long holds, they would come back and state they it is documented. 
Each representative I spoke with I would ask, why am I getting notices that are not reflecting the agreement amount but the original amount from the bank. Each time I was told it was documented. After a couple of the representatives I spoke with stated the original {$200.00} was to go toward the second arrangement this would have made our balance {$430.00}. I phoned them on XXXX XXXX, 2015 to make a payment on the {$430.00} and was told it was {$630.00}. I advised the young lady I would be filing a complaint because I felt that I was just throwing money away. I received a call from another young lady early Saturday morning stating that the agreement was broken and that we now own {$1000.00}. I advised her that I had filed a consumer compliant and would speaking with the XXXX on Monday morning. The arrangement changed, I never received an agreement with the settlement amount and I was n't treated fairly. I feel that we have been scammed a XXXX time.
Product: Mortgage

In XXXX I was diagnosed with XXXX XXXX and after XXXX XXXX and a loan modification which was only for 4 years my husband and I had some marital difficulties due to my XXXX and financial issues after he found a new girlfriend he left me. I filed for divorce in XXXX XXXX. Prior to that I made up and resolved the delinquencies with capital one XX/XX/XXXX by setting up a payment plan to commence XXXX XXXX XXXX thru XXXX XXXX. I made every payment in XXXX on time. Now that the divorce is over since XXXX/XXXX/XXXX I can only qualify for a purchase reverse mortgage at age XXXX, that 's in less that 2 months. 
Capital one refuse to take these delinquencies off my credit report, they refuse to give me a letter stating that I was never delinquent in XX/XX/XXXX and now they will not return my calls. If they do not satisfy the underwriters of the new loan I am trying to get on my budget, I will be homeless. 
I beg of you to please help me through this merry go round and persuade capital one to provide me with the info that I need to qualify for this loan Time is really of the essence ; Please help me. 
Hopefully XXXX XXXX
Product: Debt collection

Collection agency ( CA ) contacted me via phone call stating debt. Debt is not valid as it has been settled, the balance for the debt is misstated on the collection account, and additionally no debt validation has been sent within 30 days of initial contact as required by federal law under the Fair Credit Reporting Act ( FCRA ). Despite these multiple FCRA violations the credit agency has taken action in collecting this frivolous debt by harassing phone calls and reporting a collection account to the credit agencies. These constitute a willful violation of the FCRA.
Product: Credit reporting

This is the XXXX time that this XXXX has appeared on my public record under my name. The XXXX is from XXXX XXXX County Court house in XXXX dated XXXX/XXXX/XXXX. This is not my charge but the person has the same name and date of birth. I have called the court house myself and they have verified it was not me. I also did a credit dispute on this matter and XXXX removed it from my report but other credit bureaus are still reporting this matter as me and it cause me not to get employment. This need to be fixed and inaccurate information should not be reported on people who are innocent, I did not live in XXXX in XXXX and I was in the military XXXX and a resident of XXXX with a XXXX driver license. I did not move to XXXX until XXXX and never visited this state until I moved here. Please help me get this resolved it causing me problems with getting employment.
Product: Mortgage

I applied for a mortgage refinance through Santander Bank Back in XXXX of 2016. I have just recently been denied. Reason excessive obligations in relations to income. However in speaking to the agent they XXXX would n't use income from my car allowance or commissions I get. The agent did n't understand wy, huis boss did n't understand why. I just do n't want anyone else to have to go through what I went through. it was a waste of time and money. They did n't even look at my tax return. It sounds to me like thye just wanted to see paystubs, how much someone owes if it meets the 50 % they will do the loan. They do n't want to do extra work. not sure why they are able to do that. it cost me a lot of time and money and effort. They sould not be allowed to gt away with that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays credit card had zero balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. Barclays investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with XXXX  and XXXX, but not XXXX. XXXX  complaint was settled with the the balance being maintained by Barclays. Waiting for XXXX result. All credit reports are still down XXXX points.This was after Barclays promised to take care of the problem on their end two weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my equifax report. I have asked several times for the inquiries to be removed and have submitted complain with ftc # XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that do not belong to me. 

XXXX XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account ( XXXX ) account information detailed in Credit Karma is not being updated accurately. The account was updated on XX/XX/2023 as current. However, the Payment History does not display with a green check mark for the month of XXXX even though the account has supposedly been updated. By not getting the Payment History updated, I am not getting the increase in my credit score.
Product: Student loan

My interest rate with Navient is 10 % and it is n't fixed. The payment they require to even make a dent in the principal balance is extremely high. They told me there is nothing I can do to lower my interest rate. No one refinances private student loans either that I know of. I just feel like I 'm drowning in these payments to Navient and I have n't seen my principal balance go down at all in 5 years of paying them. I already pay on my Federal student loans as well. I just do n't know where to go from here or how to get a lower interest rate so that I can start making a dent in my debt. Please help!!
Product: Debt collection

I have retained new copies of my credit reports, and noticed that Portfolio Recovery did not furnish the credit bureaus with the required disclosure, within the period required by law. 
The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. 
I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. 
Thank You
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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  Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : 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 instruction 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account XXXX : DEPTEDXXXX + XXXX Account XXXX : DEPTEDXXXX XXXX Kind Regards
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 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My claim is that TRANSUNION has violated the FCRA and they may be civilly liable for these violations. I came home after a long day of work, only to open a letter from TransUnion stating that my Federal Trade Commission ID Theft report was not valid ( Please see attached proof of my claim, I underlined it ). I submitted a CFPB complaint less than 14 days from today, XX/XX/2022. Now I'm not the sharpest, however from my understanding of what I read in section 605B of the FCRA, specifically 15 USC 1681c-2 ( c ) ( 1 ) ( A ) ( B ) ( C ). I included my Social Security Card, Passport and a communication from XXXX XXXX XXXX XXXX, in addition to the FTC ID Theft Report ( Please see previous CFB Compliant submitted on XX/XX/2022 ). 

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I submitted everything prescribed in Federal Law under the FCRA and TransUnion willfully avoided responding through the CFPB to dodge lawful responsibility of blocking and removing the account I clearly listed on my FTC ID REPORT as, XXXX XXXX XXXX account ending in XXXX and inquires etc. 

" The request provided is missing essential personal identifying information or account specific information that would allow us to complete your request... '' - TransUnion Attached in this complaint : Social Security Card, Unexpired US Government Passport, Most Recent Bank Statement, FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT, CFPB COMPLAINT - XXXX, TransUnion willful communication violating the Fair Credit Reporting Act by not blocking the fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Best Buy regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974.

Regarding Best Buy, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to Best Buy, in regards to concerns, I the consumer, had at that point in time. Best Buy did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) Best Buy can not furnish to my report without the written instructions of the consumer to whom it relates.

Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. Best Buy failed to do so. This action by Best Buy is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.
Product: Checking or savings account

The app- to make payments, withdrawals, deposits, etc - has been down all week long. There is no remedy with customer service and people 's livelihoods are at stake because the bank is inaccessible. Where are the protections for the consumers? This is not right. All week long - inaccessible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 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: Money transfer, virtual currency, or money service

Someone had hacked into my account and took my money on cash app. When trying to call customer service to find out what they can do, I ended up with another hacker. Claiming to be with cash app. He walked me thru steps that basically wiped out my entire account telling me that cash app would replace everything!! Nothing ever happened and never got my money back.
Product: Debt collection

Chase bank is harrasing me about a transaction that was a result of identity theft. The person who accessed my account made a XXXX transaction of {$500.00}. I called the bank immediately when I noticed the transaction on my bank account and they told me that they would refund me the {$500.00} and also they told me to close the account due to the IDENTIFY THEFT. However, they called me today saying there is a negative balance on the account. This account is closed as requested per the bank. I would like Chase bank to cease and desist all communication methods. Lastly, I also want you to remove the negative balance from the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I opened the account but never received a card or account information. I went into the branch in XXXX XXXX an was denied access to my accounts
Product: Credit card

Title : Synchrony Bank Conflicting Investigation Original CFPB Complaint : XXXX Details : XXXX XXXX on behalf of Synchrony Bank responded to my original CFBP complaint and noted that we had she and I had a conversation XX/XX/2023 ( which lasted 57 min ). I brought to her attention that Synchrony Fraud department sent me letter on XX/XX/2023 that the Credit Card in question was not opened by me and that I am not responsible for any charges associated with that Card, for which I had raised dispute with Synchrony Bank. 
I shared the above information including the letter from Synchrony Bank with XXXX XXXX during our conversation, in which she agreed to mention about this conflicting information from their Bank, in her response to CFPB. It is clear now that she has rescinded on her words as she as failed to mention it in her response ( same letter is attached here as a proof ). 

It is clear that Synchrony Bank is engaging in fraudulent practice -- on one hand they themselves have concluded that Synchrony Card in dispute was not opened by me and I am not responsible for any charges, but still gone ahead and make me responsible for those charges, added late fee plus fines and destroying my credit score. 

In the dictionary of fair and even justice such behavior will be classified as dishonorable and predatory. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax employee doesn't know how they calculate scores. 
Can't tell me why there is such a massive discrepancy between credit scores provided by XXXX. 
Two representatives ( One a Supervisor ) stated they don't understand why or how my credit score is XXXX points XXXX  with their XXXX. 
I asked to be removed from their XXXX XXXX, as they are unable to provide accurate information. They told me this was not possible. 

Empl ID provided by the supervisor : XXXX