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

XXXX XXXXXXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported for : OVERDRAFTS Date of closure XXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX BANK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX Charge off amount : {$3900.00} Inquirer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date ; XX/XX/XXXX XXXX ; XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX Date ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirer Date : XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$2500.00} XXXX XXXX XXXX/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Product: Payday loan, title loan, or personal loan

I bought furniture with a 100 day same as cash option from American first. My weekly payments were XXXX beginning XX/XX/XXXX. The last automatic payment was XX/XX/XXXX, then a XXXX time payment of XXXXXXXX on XX/XX/XXXX, leaving a balance of approximately XXXX. I tried to do a payment plan, explaining to the representative that I can pay the balance in 2 weeks to avoid XXXX being added to the account but I was notified that that was not an option and the XXXX would be added if the XXXX  was not received by XX/XX/XXXX. The account went into default and exorbitant fees were added to the account with a total of XXXX being the outstanding balance, more than the original amount of the loan itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding my last complaint. Innovis believes that my previous complaint did not come from me. I have attached proof of my identity and this statement shall certify that I am the complainant/ consumer listed on the attached letter and attachments. I request that Innovis respond to my previous complaint XXXX via the CFPB. If Innovis must call me, I will only accept calls on Fridays after XXXX EST or Monday-Thursday after XXXX EST. My case ID is XXXX : I have previously disputed alleged accounts for XXXX  and Department of Education however, Innovis alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Innovis, XXXXXXXX XXXXXXXX nor the Department of Education can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX 2.Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Global Lending Services reported a ( charge off/ collections ) on my consumer report without full disclosure prior to making the report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed a balance to XXXX XXXX for services that were terminated in XX/XX/2020. This balance was turned over to GC Collection Services on XX/XX/2020. GC Services called me several times a week to collect the balance, which included equipment fees. I was not able to turn in the equipment because the local XXXX store was closed due to COVID 19. This was explained to GC Services representative XXXX XXXX on several occasions. She advised that once the equipment was turned in for me to call back and make the payment for the data fees. On XX/XX/2020, the equipment was returned. She informed me that I needed to clear the account up prior to XX/XX/2020 to prevent it from being reported to the credit bureaus. On XX/XX/2020, I spoke with XXXX and provided my checking account information for the payment. On XX/XX/2020, I received a call from GC Services stating that I had a balance with XXXX XXXX for {$190.00}. I explained to the representative that I made a payment two days earlier in the amount of {$170.00}. I explained that I should not be receiving anymore collection calls because the account balance had already been paid. The rep said they would look into and I should not receive any other calls. On XX/XX/2020, I received an alert from XXXX stating that a new collection account was added to my file. When I logged in to view the alert, it showed a newly reported account from GC Services in the amount of {$190.00}. I immediately called GC Services to discuss and informed them that I made a payment on XX/XX/2020. The rep stated that they did not show a record of any payments made. After being on the phone with one rep, I was transferred to a Supervisor named XXXX XXXX, who explained that apparently I had two accounts in their office for XXXX XXXX. I stated that I was never contacted about the 2nd account until XX/XX/2020, but assumed it was a mistake since I had just recently made a payment to them. XXXX XXXX agreed that it was confusing and apologized for any confusion or frustration it may have caused. I explained that I had no problem making a payment and had I been properly notified of the account, I would have made a payment to prevent the account from being reported as a collection account, which has damaged my credit scores. She could not provide me any documentation or notes of any correspondence or communication from their office to me concerning the 2nd account, other than the call on XX/XX/2020. I was not provided the opportunity to dispute or validate this account with GC Services prior to them reporting this account to the three major credit reporting bureaus. XXXX referred me back to XXXX XXXX, who stated that there was not anything they could do and that all communication, payments, and disputes were to be addressed with GC Services. I reached back out to GC Services and was not able to come to a resolution.
Product: Credit card or prepaid card

I have a paypal credit card through Synchrony Bank. 
I have been unable to see my account for the last 8 months. 
It disappeared from paypal website. 
There's no independent site login from Syncrhony Bank to see my account. 

My chat contacts with support has been a waste of time with no understanding and just repeat of things I had done. 

I want to have access to see my account to independent website from Synchrony like all their other credit cards. 
I want the finance charges for last 8 months be removed due to my inability to see my account and pay on time to avoid very unusually high interest APR.
Product: Credit reporting or other personal consumer reports

Formal Request to Reopen Previously Filed Claims Dear CFPB Team, I am writing to formally request the reopening of the following complaints previously submitted through the CFPB Complaint Portal, which I inadvertently missed providing feedback for within the allocated time frame due to the holiday season and New Years schedule : Equifax Complaint : Reference # XXXX XXXX Complaint : Reference # XXXX XXXX Complaint : Reference # XXXX I greatly value the assistance provided by the CFPB and the accountability it brings to consumer reporting agencies. Due to unforeseen circumstances, I missed the feedback window. However, the unresolved issues in these complaints have continued to harm me both emotionally and financially, and it is imperative that these matters are revisited. 
Emotional and Financial Harm Caused Discrimination in Financial Matters : Due to the inaccurate and false reporting on my credit reports, I was denied financing for a new car under account number XXXX with XXXX XXXX XXXXThis forced me, during a separation period from my husband, to ask him to co-sign the loan. Despite being the sole responsible party for all payments, my husband, with whom I am divorcing, was designated as the main buyer. This has not only caused significant financial strain but also severe emotional harm, given the complexity of my personal circumstances. 

XXXX Inaccuracies and XXXX of XXXX : My credit reports show accounts that stopped utilization around XXXX, during the slowdown caused by XXXX. At that time, my wallet was lost and the Unauthorized charges that I did not make, and I reported them all as lost via phone. I trusted that the system would address these issues, but I later discovered that these accounts were neither properly addressed nor resolved. 

Fraudulent Third-Party Assistance : In XXXX, I sought help from American Debt XXXX XXXX XXXX they would assist in disputing unauthorized charges. Instead, they defrauded me, taking my money while allowing the accounts to go into collections. In desperation, I turned to XXXX XXXX XXXX XXXX, who charged me {$500.00} on the monthly basis since mid XXXX but worsened my situation with the same deceitful business practices. When I requested an attorney, as stipulated in our agreement, they refused. Additionally, when I asked for an account ledger and a copy of our agreement, they denied my requests. When I attempted to print a copy of our agreement, the document displayed names of unrelated companies, such as XXXX XXXX XXXX XXXX and XXXX, which I have never heard of, proving I was conned. 

XXXX XXXX XXXX : These persistent and unresolved issues have caused me permanent emotional damage, resulting in anxiety and XXXX. The unfair treatment and harm inflicted by the reporting agencies and third-party companies have left me in a constant state of distress
Product: Mortgage

I am currently in a lawsuit as myself and Bank of America is named a defendants I have called Bank of America to ask what is their current interest in the property meaning is Bank of America the beneficiary or the Servicer of the loan Also has Bank of America forwarded the lawsuit to current Servicer if not Bank of America Bank of America current attorneys who sub into the case seems to be supporting plaintiff -when the ask if there is a current mortgage Bank of America remained quiet. As well as is Bank of America provided my mortgage balance pay off demand to a third party - HOA and if so how if Bank of America is not servicing loan.
Product: Checking or savings account

I received an email from Bank of America informing me that my account status had been changed and my bill payment function had been deactivated, as per the attached file, on Friday night ( XXXXXXXX XXXX XXXX XXXX  ). I attempted to contact customer service to resolve the issue on Monday morning ( XXXX ), but my call was transferred multiple times without any resolution. Despite spending over 2 hours on the phone, I still have limited information about my account status. One associate said that my account had been " investigated, '' but he did not know the details. This restriction on my account prevents me from making payments for my rent and other bills, which really causes frustration and inconvenience. 

Additional information : I am XXXX XXXX XXXX XXXX at the University at XXXX, and I deposited my scholarship paycheck of XXXX XXXX XXXX including tuition and living expenses ) last Wednesday ( XXXX ). I am unsure if there is a connection between this deposit and the account restriction, and no associate was able to confirm this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  EXPERIAN Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported:XX/XX/2018 XX/XX/2018 Reference # : XXXX XXXX Closing Date : XX/XX/2018 XX/XX/2018 Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT NJ XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} There is inconsistent reporting of # reference number and court. XXXX  had removed this discharged bankruptcy. Per Metro 2 5 points of Compliance " if an account is modified or deleted, carbon copies are sent to each credit reporting agency with whom the data furnisher has a reporting relationship. Courts are not a data furnisher. XXXX  is to CC the other two bureaus to remove or update and nothing has happened. It has been a Year of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX to get this company to verify the debit that is owed, instead i have been given a phone number every time i call the phone number there is no answer. there fore they have no proof the debt is mine it is impacting my credit score on Experian XXXX XXXX and XXXX i have communicated with letters and even answered their phone calls and they have yet to supply or verify that this debt is valid and i don't believe Experian did their due diligence either sent letters to Experian the other 2 credit bureaus have been no problem but Experian is horrible won't do their due diligence
Product: Credit reporting

I recently contacted Experian to dispute XXXX items on my credit report. First its suppose to be only XXXX account and they are reporting as XXXX. I disputed XXXX XXXX XXXX XXXX as reporting wrong information. First of XXXX owns the account not XXXX XXXX XXXX XXXX they are a third party. As soon as I found out I had a debt with XXXX New I paid in full XXXX I then deisputed the accounts with Experian and they would not removed them or report accurate information. XXXX XXXX XXXX XXXX are reporting XXXX different accounts where they is only suppose to be XXXX account only. I paid the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX and the credit breau wo n't contact them to see if is paid. Instead they contact XXXX XXXX XXXX XXXX this is not their account they just work as a third party to try to collect. I never enter into a contract with XXXX XXXX XXXX XXXX I do n't owe them a dime I already paid in full XXXX. XXXX XXXX XXXX XXXX is reporting it twice when there is only XXXX account not XXXX.
Product: Mortgage

The full reference is from the complaint that was closed by you with out fully understanding what has happened, you have confused the dates and the buyers, there was a previous buyer and now there is a second/different buyer, since your last look at this case XXXX The company is now asking to have everything redone, this is in line with the first buyer that backed out do to procrastinating by Fay Servicing, again we are being asked to resubmit all paperwork when all paperwork is already in Fay Servicing 's office, Not any of the time was waisted by us ( the seller ) or the buyer as of today Fay Servicing continues to clam paperwork has not been received and now expecting a whole new application to be submitted, I am not sure that this second buyer will be willing to wait another 6 months, something needs to be done as soon as possible. 
With the first buyer just after the buyer backed out Fay Servicing approved the sale ( short sale ) with no out of pocket expense, and now has waited for that offer to expire so to make this move in asking for a whole new application, in addition the new buyer has offered more monies the the last.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed addresses, wrong phone numbers, different variations of my name and they still continue to keep incorrect information. There should only be one phone number, a po box , and one way my name should be ONLY my mother and I have the same name as I have expressed so it is very important to have this correct! Also was told for about 8 months that I had no address on file so I couldnt obtain a copy of my credit report even after calling every month and being told it would be fixed with in 24/48 hours, I couldnt obtain credit report on the Experian app or on the website nor would they send me a copy! How am I suppose to make sure I have a fair and 100 % accurate account if I am unable to view tiny own information?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 have been charged by Experian {$29.00} for months ( beginning XX/XX/XXXX thru XX/XX/XXXX ) for reporting services never requested. When I called, we were told that someone else had charged this monthly reporting service to our card and because we do not know the person who charged the service ( XXXX XXXX. ), these are fraudulent charges. Per Experian policy they are unable to reverse any fraudulent charges. They asked us to call our credit card company instead to contest the charges and stop payment. 

We attempted to escalate to a supervisor ( XXXX on XX/XX/XXXX ) who only confirmed that the charges could not be reversed. According to XXXX, there was no one with " higher experience '' to escalate beyond her and she was only able to give us a XXXX. XXXX number as the quickest way to attempt resolution ( though she also explained they will repeat what she is saying ). In other words, they will not resolve it. Our bank has agreed to block the merchant " Experian '' as we never have authorized charges with Experian. 

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX ( < -- XXXX said this email will only slow the process as it will simply provide you with above XXXX. XXXX address ) There are similar issues noted on other website : XXXX XXXX XXXX and here is a class action info on unauthorized Experian charges : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Subject : Request for Validation of Debt - Account Number XXXX Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the collection account referenced above currently listed on my credit report. The account was opened with XXXX XXXX and is reported under XXXX  collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately represent my credit history, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I am requesting the following : Verification that XXXX is indeed the legitimate creditor for this account and has the right to collect the debt. 
Complete account payoff details, including the payment history, and relevant documentation supporting the validity of this debt. 
Confirmation that the debt was properly assigned or sold to XXXX, including any and all records that substantiate this claim. 

I must emphasize that, as per the Fair Credit Reporting Act ( FCRA ), you are obligated to provide this information to me within 30 days of receipt of this letter. However, given the nature of this dispute, I kindly request that you expedite the review process and complete your investigation within 10 days. If validation can not be provided, I request that you remove this account from my consumer report, as unpaid debts that can not be verified are not compliant with FCRA guidelines. 

To facilitate a prompt investigation, I request that you respond to this letter at your earliest convenience, preferably via email. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a checking account at Bank of America for about XXXX weeks. I couldn't log in to my online banking. So I called the Bank of America verification department to ask what the problem was, but no one from the customer service staff to the director or manager told me that my account was out of date. What's the problem? They made me feel like they were playing a trick on me when they were on the phone. I got a bounced check and wanted to know what it was because I never deposited the check. Bank of America didn't care. They only answered my question that my account had been closed, so I had never deposited a check. They didn't even ask or check who deposited the check, so they closed my account. This made me feel very helpless. I had been doing this every day before. I called them all to find out what was going on with my account, as they had never paid any attention to it.
Product: Mortgage

XXXX, XXXX and SLS, Specialized Loan Servicing LLC, has hired an agent in a XXXX XXXX XXXX, WA license # XXXX, to take pictures of our home on a monthly basis. We have a motion sensor camera system that has documented this trespass monthly. This XXXX/SLS agent is doing so by coming down our private road without our permission. XXXX/SLS is now notified that they, or their agents, do not have permission to travel on XXXX XXXX. XXXX, XXXX, WA XXXX on foot or in any vehicle, as it is a privately owned and clearly marked PRIVATE ROAD. We demand that XXXX SLS, and their agent, XXXX XXXX cease and desist from this trespass on private property and harassment and STALKING of XXXX and XXXX XXXX .
Product: Debt collection

this parasitic company is trying to collect debts, from family members, that DO NOT exist. They are praying on people that have recently had a death in their family and telling the survivors that the dead owe them money. This company and EVERYONE that works for them is XXXX