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

I first noticed a credit card on my credit report when I started to get negative remarks added to my credit report by the bank this credit card is with. The bank name is Synchrony XXXX. This account has made my credit drop over 100 points. When I call the only number I have for Synchrony XXXX   which is provided on my credit report it will NOT let me talk to anyone unless I have a credit card number or account number, how am I supposed to have a account number when I did not open this account. I finally hired a credit report dispute law firm. This firm sent a dispute letter to this company. When I noticed on my credit report that this Synchrony XXXX account is noted being disputed this bank started stacking the negative remarks on my credit every other day. And still not word from Synchrony XXXX. On my credit report there are now remarks saying this creditor is following a credit reporting guide lines. How? I have never applied or have had a account with them. Obviously this account is fraudulent or put on my account in error but they dont seem to care. Instead they see I am disputing it they start hitting my credit report with as much negative remarks as they can without even reaching out to me. I've found it impossible to reach them without any account info.
Product: Student loan

OSLA keeps emailing me while loans are in deferment and I am in school. Has no option to end communications
Product: Money transfer, virtual currency, or money service

Went to XXXX for XXXX XXXXXXXX in the institution had all the paperwork in XXXX. I told him I do not read XXXX and I let them know I want to cancel the procedure. I put down {$1000.00} deposit I did do labs that day and I agreed to pay {$250.00} for the labs and navy federal refund of me {$750.00} Now the institution is saying I owe them {$750.00} and navy federal wants to take it out of my account, Without any proof they didnt ask me for any proof they just taking it out of my account. I recently found out that this institution is known for fraud
Product: Credit card or prepaid card

Hi. I am the executor of my deceased brother 's will. Chase bank ( Credit Card ) owes my brother {$1000.00}. As the executor of his will I have obtained ( at considerable expense ) the necessary legal document to claim these funds ( Order of Summary Administration - Attached ). All other entities that owed my brother funds have come through. I have sent this Order to Chase and have spoken to them on the phone multiple times. Thus far, they have refused to honor the Order of Summary Administration and settle this matter. I sent Chase the Order of Summary Administration on approx XX/XX/18.
Product: Debt collection

CONVERGENT OUTSOURCING, INC a Collection Agency for XXXX XXXX refuse to remove a PAID collection from my report. 

The debt was not a valid loan and should not be on my credit report. After I paid my account in full, I sent the equipment back. After several months, they sent me a bill for {$60.00} saying some of the equipment was missing. 

I paid this account in full because I didn't wa n't to deal with them. They removed the account fully from XXXX but not from XXXX or XXXX. 

This was not the valid definition of debt and they used my credit report as leverage to pay for equipment I turned in. This is an unfair practice.
Product: Credit reporting or other personal consumer reports

This is regarding my complaint against Possible Finance, which have failed to provide the validity of its response to my complaint, and I am simply providing my response to Possible Finance.

To whom it may concern at Possible Finance, I received your response through the CFPB regarding my complaint against Possible Finance dated XX/XX/XXXX. First and foremost, let me make it clear that I am appalled by your unprofessional courtesies and baseless assumptions. As stated in your response, you claim to have proof that I applied for this loan which includes my personal information and a selfie taken to verify my identity. You claim that someone couldn't have my bank info, DL, SSN, DOB, and a live selfie done by me. Well, I have news for you, someone else having this info is called Identity Theft which is what has occurred in this situation. If this information accurately reflects your records, the solution is easy, simply provide me with proof. I am curious to see the selfie that was verified by me. Regarding the XXXX Release documents I provided, I was baffled by your baseless assumptions of providing a false document because the XXXX number is XXXX digits and not XXXX digits. I wasnt aware that I had to provide Possible Finance with instructions on how XXXX works so you can comprehend their workplace duties. Nonetheless here is the information I am providing to see if perhaps you would comprehend the facts instead of your unprofessional insights on what you perceive to be false. When an inmate is processed in the computer, they add a XXXX to the front of the XXXX XXXX XXXX XXXX because that is how XXXX software was programmed to work, to include a XXXX in the XXXX number to look up an inmate. An original XXXX number when issued is XXXX digits long. My release documents were handwritten which is why my XXXX number did not include the zero in the front. It's not that it was a fraudulent document as you stated. Jumping to that conclusion, it was upsetting, unprofessional, and appalling without merit. You should do your research and respond with facts instead of assumptions. Finally, including that an arrest warrant was issued for me in XXXX was neither here nor there. That warrant was served and added to my sentence while I was incarcerated. But again, if you knew the facts, you would not be talking out of context. I have attached documents for your review, including how many digits are in a TDCJ number. Furthermore, please be advised that your unprofessional conduct and careless practices of providing funding without proper security identity checks prompted me to file a complaint with the Texas Office of Consumer Credit Commissioner and the Finance Commission of Texas. Now that I have addressed your false claims, my point still stands. I am an identity theft victim, and my solution remains, you will remove this unauthorized account from my credit reports. I expect this issue to be resolved accordingly and as soon as possible.
Product: Debt collection

Please see attached BRIDGECREST RESPONSE to my initial complaint # # XXXX. 

Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX, the Chief Financial Officer of BRIDGECREST and his compadres to mishandle my securities.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts 5+ different institutions. I have locked all my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

8. The inquiry was not authorized XXXX XXXX A Date of inquiry : XX/XX/2023 Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a money order at XXXX .upon me reaching my car, I realized my money order was missing. I immediately went back to the store. ( XXXX ) store clerk began calling Western union on my behalf. I was immediately able to obtain the form, and send them back the same day. Upon them receiving the forms, they requested me to complete an affidavit. I submitted on XX/XX/XXXX, western union confirmed receipt, and I was told, it would take ( 15 ) days, and I authorized them to take out the fee for a refund.. After ( 15 ) days, I attempted to reach out, and I would received different responses, in which cause me to belief, something is wrong. Originally, I was told that my refund is being process, and then I was told that they mistakenly cash the money order even at that I had submitted a stop payment on it .and should received the name of the person that cash it. But never did, and every attempt, I made to reach them fail as if they had caller ID. I m on XXXX an to be taken advantage of by western union is sad/ and a disagrace. I will continue to complain to my state officials as well as companies like the XXXX, to expose these major companies bad practices. 

Please look into this matter Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Bank account or service

I 've had Wells Fargo as my bank for a few years now. And every time I go into the bank they try to get me to open another account. I had a normal checking and savings account. However, about two years ago they had me open a second checking and savings account because they told me it was safer to have to different checking accounts. However, then I got charged fees for the other checking account because I did n't have enough money in it or because I did n't use my debit card enough. Even though they told me the separate checking account was for my direct deposit only. Let me clarify, they told me it was safer to have a checking account for direct deposit and then a separate checking account for my debit card. But then I was charged a fee for not using a debit card with the direct deposit account. I hate going into the bank, because when I walk in I 'm immediately attacked by all the tellers, yelling and calling me over to their window. Half the time I went through the drive thru window they told me they had to have me come inside and speak to a banker and I ended up with another checking account, another savings account, and a credit card. In the past few months I 've been taking money management classes. I maybe make {$1600.00} a month. Why do I need that split up into XXXX accounts? Why are they convincing me I need all these accounts when I barely have enough money in XXXX account? And then when I do n't have enough money I get charged a fee, even if I have money in the other XXXX accounts. How does that make sense?
Product: Credit reporting or other personal consumer reports

I have reached out to all 3 major credit bureaus, asking them to verify some accounts and to do a full investigation on everything on my credit report. They all stated that everything was accurate, which was not true. I found some inaccurate items still reporting on my credit reports. There are may items reporting on different dates some items show that the accounts were open on different dates, so how can this be accurate. My credit report show be accurate across the board and should not have any discrepancies in dates and balances. This is not the case in my situation, and accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. 1. XXXX XXXX XXXX Account XXXX XXXXXXXX 2. XXXX XXXX XXXX Account XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : states that a consumer reporting agency cant furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. 

I do not have a legal binding contract with XXXX XXXX XXXX, they are not the original debtors and I have not signed any paperwork with this company. I have requested this company to show my the original signed contract and they have not ; therefore I demand this account to be removed and deleted from my credit report immediately. I have made a complaint to the CFPB before and it looks like they responded saying a telephone number dispute was the reason my account was updated and not deleted. This is not what 5 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section state so by law this account should be deleted from my credit report. 

Also I have reached out to TransUnion numerous times and all they have done was send out a letter stating me to verify my address which I have sent in 3 certified letters with proof of resident. I've sent my state issued ID, bank statement, pay sub from my job, and credit card statement all by certified mail. So please delete this inaccurate account.
Product: Credit reporting or other personal consumer reports

I was victimized by id theft, I did not authorize anyone to use my information, I have filed a police report, an identity theft report, and have mailed it to the credit bureaus. I called the credit bureaus and ask that fraudulent information be removed and it was denied. Experian would not even remove the invalid personal information like addresses and SSNs etc. The following accounts are fraudulent XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I have not given these companies permission to use my credit and it was not authorized and i did not benefit, I have tried to work with the credit bureaus to no avail.
Product: Checking or savings account

Bank of America Charge me several overdraft fees on my account the Charge me {$35.00} Overdraft Fee 4 Time and the bank is Refusing to give me a credit for those fees please help me with this I did not do anything wrong to get charge those fees on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want XXXX to stop exploiting my consumer report for their gain.
Product: Debt collection

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Over the course of the past month I have been harassed and berated by CKS Prime Investments for account XXXX in the amount of {$920.00}. CKS would not verify where the debt originally came from, would not show proof of debt, and went as far to say that if I did not pay them the sheriffs office would come to my door with a warrant for my arrest. With CKS they would not provide proof of the debt nor verify the debt to be accurate. After disputing the credit reporting with XXXX they have done nothing. I request immediate investigation and removal of these items as they are incorrect and do not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY CARRIER. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY XXXX WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED XXXX XXXX  ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT XXXX AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT XXXX XXXX A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND REPORT!
Product: Credit reporting or other personal consumer reports

Trans Union has violated my consumer rights by reporting inaccurate information on my credit report. Enclosed with this complaint is dispute letters of XXXX different collection agencies that's reporting information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my current auto loan from XXXX as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit report.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX credit card cobranded by Citibank. On XX/XX/year>, they sent a letter to me denying the application. I called them and they could not tell me why denied and said to contact XXXX. The phone numbers for XXXX did not allow a selection to resolve the fact that my XXXX XXXX is incorrect, XXXX points lower than XXXX and XXXX. I have sent letters to XXXX and Citibank and copied XXXX because there is no way to speak to a human at XXXX. And unable to get through to Citibank corporate offices. XXXX at Citibank XXXX XXXX refused to provide me answers about XXXX XXXX policy or XXXX XXXX requirements. She would not give me her last name, ID or allow me to speak to a supervisor. 

I have previously complained to XXXX about their reporting XXXX XXXX of XXXX when XXXX and XXXX scores are XXXX XXXX. Their responses did not explain the discrepancies. ( See CFPB complaints XXXX and XXXX ) The lack of transparency by Citibank and XXXX is XXXX. The CFPB should require them to provide the specific reasons for denial of credit applications and why denied by using ONLY the incorrect, low score provided by XXXX. 

See attached documents with details and proof of credit scores.
Product: Debt collection

The debt was incurred from medical charges from an auto accident. The attorney settled the debt with the hospital. I have tried repeatedly to communicate with the collection agency and every time I call they say I have the wrong department and transfer me several times before hanging up. It is very frustrating and this is impacting my credit score which I have worked very hard to improve.