23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

About two weeks ago I received a phone call from one of my other credit card company informing me that Synchrony Bank tried to get money out of my account! The amount was the same amount that XXXX claims that I own them for work on my home that was not complete! I contacted Synchrony Bank about this and All I got was a mean and nasty letter informing me AGAIN that they canceled my XXXX XXXX card! And that they filed a report with the credit-reporting agency of my delinquent with them! 

This taking of money from my other credit card company is the same thing that started with XXXX XXXX  in 2006 and I tried to work with the company and only ended up owing over {$30000.00} to other credit card company that they took money from! Until I filed a complaints with you and it all stop the taking of money! 

Just because I am a XXXX Veteran they think they can keep on stealing from me!!!
Product: Checking or savings account

I am both the sole heir and personal representative for both XXXX XXXX and XXXX XXXX. Combing through personal effects, XXXX XXXX XXXX account XXXX XXXX was uncovered. As of XX/XX/XXXX, it had a balance of {$73000.00}. I wrote on XX/XX/XXXX to inquire about this account. Then, I followed up on XX/XX/XXXX, and XX/XX/XXXX with no response. 

I need to find out the status of this account. Is it active? Was it escheated? Was it closed? I closed an account for my XXXX when I had power of attorney due to his XXXX XXXX. The account did not have anywhere near this amount in XXXX and I believe this XXXX account to be different from this XXXX XXXX account. That account - growing at 5 % annually - would be about $ XXXX now. 

So, I am trying to find out what the status is of the above account number.
Product: Credit card or prepaid card

I have store credit cards through Comenity Bank. They continuously decrease my credit amount resulting in decreasing my credit score. When I get my balance paid down, they decrease my credit amount which decreases my credit score by increasing my credit to debt  ratio. They have done this to me on many occasions. I have called them raising concerns, but they tell me it is due to my low credit score which is actually is a result of their actions. This is not right. I have worked hard to try and increase my credit score, but they have made it impossible by their shady practices. If I could do it all over again, I  NEVER would have opened these accounts with Comenity Bank if I knew how they conducted business. I can't wait to pay them off and close all of my accounts. BEWARE OF THIS COMPANY. They will rip you off and destroy your credit. In addition to the bad practices mentioned above, they will call you 10 times a day from 4 or 5 different phone numbers if you are even one day past due.
Product: Money transfer, virtual currency, or money service

Zelles, No warning before sending money to a party.
Product: Debt collection

I have two small claims suit from Midland credit, justice of the peace XXXX place 1 court. cause # XXXX and XXXX, I was not notified of debt prior to small claims suit. I was first served on XX/XX/XXXX, during the height of the pandemic. Research showed me that Midland did a hard credit inquiry on my credit report on XX/XX/XXXX before assuming the debt. Midland created a small claim suit that states ; 1. account last used XXXX 2. fraudulent documents of name and address and phone number 3. collection statements on credit report with incorrect dollar amount 4 , fraudulent date of assumed debt 5XXXX fraudulent statement of notification
Product: Debt collection

This company Illegally contacted myself, my family and my employer about I debt I have no recollection of, they left threatening voicemails on my phone after I told them not to do so, I asked them to cease and desist all communication with myself, my family and my employer and they did not comply. Under the Fair Debt Collection Practices Act, 805 ( b ) states : Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company XXXX  continued to contact me and violate my rights, according to 805 ( c ) of the Fair Debt Collection Practices Act states : " Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters to Equifax via certified mail requesting them to remove hard inquires on my credit report that are unauthorized. The first letter was sent XX/XX/XXXX and they have yet to respond or complete the investigation to that letter. I sent another letter again CERTIFIED MAIL on XX/XX/XXXX. I received response from Equifax this time dated XX/XX/XXXX. The request that I submitted included 7 hard inquires that are UNAUTHORIZED and I received the same response for ALL inquires, which was " inquires are factual record of file access ... '' Further more the fact that I received a response only 9 days after I mailed the letter, one can only assume that there was no investigation into the matter, nor was I provided the requested PROOF that these were factual inquires. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. On two separate occasions Equifax not only failed to provide the requested proof I consented to these inquires via FCRA section 609 and 605 they also FAILED to respond or investigate in the 30 days required by 15 U.S.C. Sec. 1681i ( a ) one occasion. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into TWO disputes for hard inquires that do not belong to me and reporting inaccurate information on my credit report. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer. To protect myself as a consumer I have placed a fraud alert on my credit report due to this unauthorized activity. I now need Equifax to act in according to the FCRA by removing this inaccurate information from my credit report.
Product: Mortgage

I am being asked for the 2 most recent statements per my personal checking account and paystubs showing 30 days by MI Homes Financial. I sent them the information they asked for except I blocked out all but the last 4 digits of the banking account number out of privacy concerns. I do my best to protect myself against fraud. I also block out my employee id from my paystubs. After submitting it, I was told they needed the documents resubmit without blocking out the account number or employee ID. When I asked why they needed that information. This is the response I received : " Our investor and FHA will need to see all of the information reflected on the bank statements and the paystubs without any markings We have submitted documents in the past to our investor and FHA with mark-outs and obstructions, and they unfortunately kicked the loan back to us We would hate for your loan to be kicked back, so please be sure to resend your documents without any markings or obstructions '' As if they would deny me the loan for not sharing what I believe to be private information. This explanation does not make sense to me.
Product: Credit card or prepaid card

In XXXX of 2019, I went to a Gap store and I purchased a couple of items for a baby shower. The bill was about {$30.00}. The cashier offered me a credit card. Since I was buying numerous items from Gap, I agreed and signed up for it. Initially, I didn't even realize that the bills was put on the new credit card, and not on the one that I handed to the cashier. A week or so later, I left to XXXX for extended vacation where I saw my family and my in-laws. We came back in XXXX. By that time, I have received Gap bills with late fee payment for a couple of months. The bill eventually went from about {$30.00} to over {$180.00}. 

I contacted Gap, and asked them to give ma a discount as this was my first payment, I was out of the country, and I really wanted to use the card. They said that all the fees are lawful, and therefore I need to pay it. I spoke with managers after managers, and they told me the same thing. Yesterday, I was contacted again by them, and when I tried to explain the situation, I got the same attitude. Again, I agree to pay some penalty but {$150.00} for three months of late payment is outrageous. The penalty is five times the actual bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on XXXX credit report. I contacted XXXX and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to XXXX and mailed loan information to me. I then faxed information provided to XXXX. I was told by XXXX if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by XXXX & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and XXXX to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at XXXX that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to XXXX  and mailed me another copy which I faxed to XXXX as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXXnsumer Reports and noticed that I had a 30 day late payment on an account that has never been late 30 days. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late 30 days on any payment for this account XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late at least 30 days. If proof can't be provided, I demand that this payment status be updated to on time as it should be as I was never late 30 days. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax XXXX and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is Equifax sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted Equifax, XXXX, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.
Product: Debt collection

I filed a dispute with all three credit bureaus for this payday loan account and has since been sold to a collection agency. The collection agency has posted twice on my credit report. XXXX, XXXX and XXXX are reporting inconsistently. These credit agencies are not complying with their own policies. It is my legal right to dispute reported incomplete and/or inaccurate content.
Product: Debt collection

I can only assume this is from Altitude Law they have left messages taped to my door at my home. The last one received stated will send a sheriff to deliver instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX *****Opened Date XX/XX/2021 Balance {$50.00}
Product: Debt collection

I received a debt collection by Bonded Adjusting Service XXXX Co XXXX Local number XXXX for a client XXXX Hospitalists. I have never been in the hospital in XXXX. They are attempting to collect the debt for {$440.00}. There is no record that my health insurance company receive the claim from XXXX Hospitalists. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXEquifax after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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 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
Product: Debt collection

Fox collection is trying to collect a debt for XXXX XXXX this a lease to own account when purchasing it the sales person said if any reason cant pay for just call them have them pick it up I did that was told nothing about owning anything the person spoke to said they will have it scheduled for pick up I said so that all I need to do she said yes someone will pick it up in few weeks there running behind on pick ups but it will get picked up now they filed a collection on my credit report for a delivery fee that was never spoke to me about this needs to be removed from all three credit bureaus reports please
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute through the proper channel but with no satisfaction. Starting with certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau XXXX, XXXX, and TransUnion didn't address the reinvestigation policy and laws. The stamp of approval for the reinvestigation was not on the conclusion. The stamp is XXXX ( automatic credit dispute verification ) meaning when you send a dispute to the credit bureau electronically XXXX will get the dispute and send it out to the creditors being disputed. XXXX also stamps the dispute to the creditor. In return they have to verify 100 % of all information is correct. Without this stamp from XXXX, this investigation is illegal. 
My next phase of action is Pre-litigation for all infractions on my credit report. I am looking for a lawyer who can take on my case.
Product: Credit reporting or other personal consumer reports

Credit inquiry was place on my credit report with Experian
Product: Debt collection

Repeated calls everyday, to the point I had to block the number. All hours of the day. 
They started calling from a new number. I have told them multiple times to stop calling and they tell me I will be put on a no call list and they call again the next day.
Product: Credit card or prepaid card

Received a report from XXXX XXXXXXXX of an account opened under my name. I called Chase Bank and they told me an account was attempted to be opened under my name on XX/XX/2023. I reported it as fraud and closed the application. I was told they opened the account using my name and Social Security number by their fraud team.
Product: Credit card or prepaid card

The last time I used this store card the balance due was {$1200.00} in XXXX, XXXX. 
By XX/XX/XXXX the total increased to {$5700.00}. I identified to the customer service agent that these were charges of identity theft and was laughed at. 
I obtained an attorney In XXXX, XXXX after numerous harassing phone calls were made to my cellphone daily as well as mailing letters requesting payment. On XX/XX/XXXX a letter was mailed to the company explaining that an attorney had been obtained and to stop all contact with me. 
Now I was informed that during the month of XXXX, XXXX my ex-wife was notified on her cellphone and letters were mailed to her new residence and she was never listed on the account.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}