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

On These 2 Medical Collections from Synerprise Consulting, they are listed as the Original Creditor, which they are not. This is misuse and misinformation on my credit reports. This goes directly against the Fair Credit Reporting Act 15 ..C5 1681. Also, Synerprise Consulting says that medical collections are valid when the CFPB says they are not. Is the CFPB able to review to see if these are valid, because on the consumerfinance.gov is clearly says that medical collections are not to be reported. I put the excerpt directly from the site that states this clearly. Can anyone from the CFPB help us with a determination? They are stating that they are the original creditor when they are clearly not. And the fact that these are Medical bills that should have been paid by insurance. I have disputed these items on my credit reports on XX/XX/XXXX and they XX/XX/XXXX, they have not produced anything except say they are valid. Can Synerprise Consulting please provide any document requested by me in earlier in the complaint?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own. There is no third party involved. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. This item in my credit file is from unauthorized use of my social security number and card. I did not authorize the account to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I'm asking Equifax, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and affecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Product: Student loan

It appears my student loans have switched to different loan servicing companies over the past two years ( Fed Loan, XXXX XXXX, and XXXX ). During that time, it seems that the record of the monthly payments I have made has been lost and or is not being reported correctly. I have been diligent with my payments during this time.
Product: Payday loan, title loan, or personal loan

I originally applied for a {$1000.00} loan and was told if the loan is paid off early, the amount paid would be towards the principal verse waiting and paying off the loan in 1 year. When I called to pay off the loan early, I was told I could not pay off the loan due to having a makeup payment. I was told the earliest pay off date would be XX/XX/19 and in the amount of {$1200.00}. I would be paying an additional {$1700.00} until the date of XX/XX/19. When I asked what was paid on the principal, I was told {$150.00}, but to pay off my loan now, they wanted {$1400.00}. I have already paid {$1800.00}, This is fraudulent business practices and I have paid over {$1800.00} and consider this loan paid in full due to their fraudulent practices and California pay loan practices. The emails I have attached to this complaint even show they have used two different loan account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian received a dispute where i was disputing a bankruptcy. On XX/XX/XXXX I received a letter back from Experian stating that my bankruptcy was deleted completely off my report. On XX/XX/XXXX they mailed a letter stating that the item was updated from their processing of my dispute in XX/XX/XXXX. I have not submitted a dispute since XX/XX/XXXX. They have commited fraud and is in violation by adding the bankruptcy back without notifying me within five days and also lying about me disputing the item in XX/XX/XXXX.
Product: Mortgage

As of today 's date XX/XX/XXXX I have not received my end of year paper showing all of my taxes and interest paid. I called the lending group and I was told that the papers were mailed out XX/XX/XXXX. My son has the same financial group and he has not received his neither has XXXX other friends of mine so apparently this group has not mailed out their papers
Product: Money transfer, virtual currency, or money service

bank of america didnt want to do anything to help me
Product: Student loan

Called SallieMae several times about the cost of loans being repaid while still in school .All they offered was a 12 month  payment of {$25.00} per loan.They didnt say any other options were available and didnt explain how much more money on the loans/interest would have to be paid after agreeing to this payment.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX RADIUS GLOBAL Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, they do not belong to me and are hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

I've tried contacting the debt collection agency " Aldous & Associates ''  multiple times. I made them aware of all violation codes ( 3 ) in which the gym had violated per California Health Studio Contract Laws voiding the contract which is putting me in " debt ''. They kept on disregarding my claims and saying I need to pay the debt, and it's already been sent to collections which will damage my credit. I then asked for proof of debt. The agent said I must send this request by mail in person. I notified him I'm temporarily XXXX & I've crashed my vehicle & to please give me a business email I can send and recieve all legal information and requests to. After so, he notified me its policy they only accept information by mail. Despite my XXXX. I noted to the agent the policy is unfair for XXXX persons living on their own & is simply a policy to pursue individuals to just accept the " debt '' & pay it. Apposed to going through the troubles of printing a letter, getting to the post office, & paying the fees to send said letters. Along with that, they gave out my personal information to an unverified person ( name, address, birthdate ). After notifying the agent of their own violation, they disconnected the call. I attempted to call back 3 times after. Only to be put on hold for extensive periods of time, then disconnected with no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I HAVE A MAJOR CONCERN GOING ON WITH ( WESTLAKE FINANCIAL SERVICES ) MY BILL DATES AS STATE AND LIST EVERY TWO WEEKS. FOR THE LAST 95 DAYS I HAVE ASK SOME AGENTS THAT WORK FOR WESTLAKE FINANCIAL SERVICES COULD THE FIX THE ACH BANKING ISSUES. I WAS TOLD KNOW ON EVERY OCCASION. THE AGENT THAT I SPOKE WITH TODAY SHE SAID ITS HER DUTY AND JOB TO MISLEAD CUSTOMERS AND TAKE EXTRA MONEY FROM CUSTOMERS SINCE THE DON'T LIKE WAITING 17 DAY UNTIL THE ACH IS TAKEN FROM A CUSTOMERS ACCOUNT. I KNOW NORMAL BANK ACH STANDARD ARE 3 DAYS. ON WESTLAKE FINANCIAL SERVICES WEBSITE STATE ( 24 HOUR ) ACH PAYMENT PROCESS THATS A BIG LIE. FOR 95 DAYS I BEEN HAVING THESE ISSUES AND CUSTOMERS SERVICES AGENT TELL ME THEY DONT CARE NOR DO THEY LIKE TO DO THERE JOB ETHICAL CORRECT.. THE AGENT I SPEAK WITH SAID WE CAN TELL CUSTOMERS AND THE XXXX AND THE CFPB CAN'T DO NOTHING TO US AT ALL. I HAVE SPKEN WITH 15 DIFFERENT AGENT AND THEY SAY THEY ARE ABOVE THE LAW..
Product: Credit card

Today I checked my balance on my Walmart Mastercard by calling the toll free number XXXX. I 've been a customer for more than 2 years and I 've never paid late and have always paid my balance by the due date. When I call the account services number I usually get a message that my account has been matched with my social and it asks me to enter the last XXXX digits. This saves a lot of time. Recently I made a complaint to Synchrony bank, the servicer of the Walmart Mastercard, about walmart.com charging me for a toaster that I ordered online XXXX XXXX, 2016 at Walmart.com and then canceled the same day because it was n't available for free same day pick up at the store as promised. So today after checking my balance via phone call and finding it different from my calculations, I called the toll free number a second time so I could check my recent transaction history and find out if the toaster I DIDN '' T BUY has been removed from my recent transactions. On the second call I was asked to enter my entire account number and then last XXXX of my social, and the system said it did n't recognize it. I tried again and got the same response. So now I have no way to dispute mistakes on my account or ask questions or get customer service. I have NO faith in the security/integrity of walmart.com and I 'm not going to do transactions on their website. I really do n't want to believe that Walmart /Synchrony would lock me out ( although it looks that way! ) to retaliate against me for being vigilant about my own credit usage and making legitimate complaints about Walmart.com 's mistake!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Transunion conducted an investigation into 19 US Dept of Education accounts which have been reporting as a previous collection since XXXX. 
TransUnion 's results, although I disagree with them, stated that all these US Dept of Education accounts would be removed by XX/XX/XXXX. See copy of their results which I have attached.

However, these accounts continue to be on my credit report. I am requesting they be removed immediately as TransUnion 's own investigation confirmed they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number is : XXXX Account Name : XXXX XXXX XXXX Amount XXXX Paid in full XX/XX/2018 Company reporting it : One Main XX/XX/XXXXXXXX XXXX IN XXXX They did not properly notify me of the collection and promised that they are unwilling to delete it. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I contacted Harbor freight credit card customer service on XX/XX/year> because I received a email saying that my payment did not process. I spoke to XXXX a supervisor at Harbor freight credit card customer service who said she corrected the issue and processed the payment to the correct bank account on on my account and that she removed the late fee and she gave me a confirmation number and she said that it would be updated within 24 hours. Now today is XX/XX/year> and my account is still showing that theres a balance when it was supposed to be corrected to a XXXX balance after my final payment was made.
Product: Mortgage

I got behind in XXXX do to my mortgage goin from {$650.00} a month {$1200.00}. I had reach out to Cross Country Mortgage in was told they didn't know why it had want up. I then received a called by loan modification assisistancen though Cross Country mortgage in was told that i had to send my payment in a money order to a address that he would called with. I had sent him a few payments till he told me to use someone else name.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Encouraged to sign up for Apple Card. Was told the 6 % cash back would be available with the card. Applied but wasnt told specifically about the timeframe for the offer term validity. Turns out offer is only valid through XX/XX/XXXX. Application was conducted in store on XX/XX/XXXX. Application was entered properly. Card app is now under review. Wasnt able to purchase product with cash back discount. Was encouraged to buy and then return by store employee. Seemed like a way to convince us to simply buy. Wouldve purchased either was but didnt seem fair. Was told by employee that approval would be on the spot. Contacted support and despite information being properly entered and no credit freezes, new loans etc taken out, the app is under review. Support stated that it would be several days ( which likely means week ). Store employee said it would be 24 hours. Not a fair process or way to gather new credit card users. Seems fairly predatory.
Product: Debt collection

On XXXX XX/XX/2020 I was contacted by XXXX XXXX from United Check Recovery Bureau from phone number ( XXXX ) XXXX at my cell phone number of ( XXXX ) XXXX at XXXX Pacific Time and again at XXXX the next day by a different individual. The debt that the company is trying to collect belongs to my ex-wife XXXX XXXX. I notified the first caller that XXXX XXXX is not associated with my phone number, that I would forward their message to her and to not contact me again. I was called again the next day concerning the same debt which isn't mine and from my understanding the company is prohibited from contacting me multiple times especially within such a short span of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request copy of permissible permission used by XXXX XXXX XXXX XXXX ( XXXX XXXX and Experian in XX/XX/2017. XXXX doesn't even read requests and complaints but labels as duplicate complaints thus not allowing me to even comment. Experian is responsible to safeguard my personal information but passes the buck back to XXXX who then says they are reporting correctly. What a game for large companies.
Product: Credit reporting

I have been having an ongoing issue for the past several months with transunion deleting my inquiries, then re-inserting them. I just called their customer service number at XXXX and their customer service would not help and take care of the negative inquiries reporting to my credit report. So I am asking for the help of the CFPB and would really appreciate your help. 

This is the list of inquiries I would like deleted XXXX XXXX XXXX XXXX/XXXX/16 and XX/XX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 and XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Thank you
Product: Credit card or prepaid card

I bought a Laptop from best buy for about {$1400.00} in XX/XX/XXXX, I was told if I opened a credit card I would get 1 full year to pay it off without interest after making over {$1200.00} of the payment leaving only a balance of {$200.00} I was unable to contact them. I called over 20 times and they were unable to find me in the system to make a payment. I received a letter via XXXX in XX/XX/XXXX stating I owe close to {$600.00} I called again and they were unable to find me. after giving them all my information many many times they realized that my social security number and phone number and name are all incorrect after figuring out the right information I requested they fix the issue so I can make a payment of about {$200.00} or even {$250.00} that said they will not drop a XXXX down and want {$600.00}.