23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Attn Grant & Weber : The last correspondence I sent your company on XXXX pertained to a demand for validation. In correspondence dated XXXX your company sent me a simple itemization along with a demand for payment. The itemization showed the debt is over 4 years old and past the statute of limitations. However your company failed to disclose that I can not be sued for this debt. 
This is a blatant violation of Fair Debt Collection Practices Act. Hence, I hereby declare my intent to bring suit against your company under your failure to disclose information required by FDCPA regulations
Product: Debt collection

I have been getting calls from synchrony Bank from XX/XX/2018 until XXXX. They call me at least 5 to 6 times a day and before XXXX. I have answered and told them many many times on many occasions that the person they are calling for does not own this number and to stop calling me. They have refused to stop and continue to call before XXXX and all throughout the day.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account have been disputed multiple times for false reporting, and inaccurate information, as well as incomplete information. 

Account Status never updated to in dispute. Status last updated 2018. Experian continues to use automated investigations and refuses to comply with FCRA Regulations. 

Date of Last Payment is falsey reported blank for both accounts, while XXXX and XXXX both report two other completely different dates. 

XXXXXXXX XXXX XXXX - Date last active was illegaly re-aged on the report.
Product: Bank account or service

SYNCB/CARECR ACCOUNT NUMBERs : XXXX XX/XX/XXXX C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CARECR or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CARECR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, 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

Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized Amex inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit
Product: Mortgage

I sent several emails and filed a previous complaint to Mr. Cooper regarding the agreement to repay modifications to my mortgage during covid. I want to know why this is a separate repayment and not added to my loan. Mr. Cooper resent the papers I signed and no explanation or a response to my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, Transunion, XXXX, & XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 These Addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX These employers do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX contracting These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX I've found several fraudulent accounts on my credit report due to identity theft. These accounts are hindering my ability to access vital credit. Under Section 605B of the FCRA, I request their immediate removal. Please correct my credit file as soon as possible. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my mental health to be disturbed with severe harm and extreme XXXX, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On or around XX/XX/2021 I filed a complaint about unauthorized charges to my joint account. 

The specialist XXXX XXXX XXXX took a report and described the initial process. She explained that a claim would be issued. The claim number provided was XXXX. She also indicated that a copy of the documentation would be available to me via email. By the way, I never received the form. 

A follow up message was sent on XX/XX/2021 to XXXX requesting an update. The information provided indicated that the claim was being processed. There was a mentioned of correspondence being sent to explain actions. 

The facts as follows : 1. Unauthorized use of card by merchant to renew membership products. 
2. Issuance of NSF fees due to XXXX 's approval. 
3. Dispute made to bank 4. Bank makes determination without providing customer with sufficient evidence of an investigation and policy application. 

The amounts in question are : XXXX  {$14.00} + NSF Fee ( {$36.00} ) XXXX {$39.00} + NSF Fee ( {$36.00} ) XXXX {$8.00} + NSF Fee ( {$36.00} ) The bank has sent threating letters and emails about closing the account. The frequency became overwhelming, almost every week. I consider these actions very oppressive and unethical. I will NOT close my account unless I am ready. It is your responsibility to respond to claims and disputes about banking matters. Lastly, I need to understand why are you deciding that my claim is not valid?
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX ( or XXXX ) I purchased a Vanilla Gift Card with {$250.00} on it for my daughters XXXX. I made the purchase at XXXX or maybe XXXX. 
On XXXX my daughters opened the card to see that there were NO card numbers on it, so it can not be used. I see the first XXXX digits and nothing else. I have the card with me and the outer sleeve it came in. I do not have the receipt but might be able to get it via my credit card company not sure. 
I tried called Vanilla GIft Cards .. no one answers my phone calls. I have been trying for several weeks now. 
PLEASE HELP. 

I need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection account from XXXX XXXX for XXXX XXXX XXXX that is not owed. I contacted XXXX XXXX XXXX at ( XXXX ) XXXX regarding this account and XXXX XXXX XXXX advised me that there is no account found in my name nor social security #. I work at XXXX XXXX XXXX XXXX for over six years and have XXXX XXXX insurance coverage for my myself and my family. This medical debt should not be reported on my credit reports because it's not owed and President Biden signed a bill regarding medical debt being reported incorrectly.
Product: Credit reporting or other personal consumer reports

Transunion on XXXX you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. 
The account that you responded verified XXXX to still has inaccurate and incomplete information. 
15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the reinvestigation by mail BUT you did not?!

( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.
Product: Vehicle loan or lease

Got a call from Santander consumer us my truck loan holder. The informed me my loan was in default and a nation wide search was place on my vehicle for repossession. Told me I missed 6 payments and bounce one of the checks. Told me if I payed XXXX in ten days it they might be able to resolve it but the loan was charged off XX/XX/2021. I never got any notifications from them. No email or calls not even a letter. I went straight to bank and got all my bank records. I have all bank statements. I have never mist a payment on this loan In the XXXX XXXX yrs Ive had it. They said I bounce a check in XX/XX/2021 my statement not only shows it was paid but also had over XXXX in the account that month. Im in fear they will reposses my truck for a big mistake that they have made and I need help. Also my credit report reflex this mishap.
Product: Vehicle loan or lease

I called to pay off my loan for my vehicle. They told me I would have to mail in a check or walk into their bank in order to do this. They where not allowed to pay off the loan by phone or online due to bank policy. When I asked why was it bank policy both the customer service rep and their supervisor said that it was just bank policy and that 's just the way it is. My problem is that they charge interest on your loan everyday. If they did this with everyone then they would potentially make millions off of this one way payment. This seems illegal to me. 
I was put into contact with their manager and they did allow me to pay off my loan by phone after I left them a voice message saying that their bank was sued prior for changing dates of payments in order to make the individual overdraft. I do not know of it was the message I left or the manager just decided to do their job either way I feel that this needs attention. 
The bank is rbs citizens Address is citizens bank XXXX XXXX XXXX XXXX, ri XXXX
Product: Credit reporting

I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer. I am filing new and updated information/complaint against LVNV Funding LLC , in reference to complaint # XXXX. Not only did I find several inaccuracies, but I now have new and updated information on how LVNV Funding LLC, is still not complying with Federal Law. Attached labeled as " LVNV Dispute Method letter '', you will find yet another letter sent to LVNV Funding LLC, sent certified on XX/XX/XXXX, requesting the " description of procedure/method of verification '' used to verify this account, as to which they have fifteen ( 15 ) days to respond to. Also attached and labeled " LVNV Violations '', is a list of ten ( 10 ) violations this company has currently violated. Attached and labeled Exhibit A, is my current consumer report showing several inaccuracies being reported/furnished by LVNV Funding , including reporting this account as collections/charge off, Unknown, and Late 120 days. ( ALL INACCURACIES ARE CIRCLED ). Attached and labeled as Exhibit B, is my current consumer report where this account is reporting as a late payment. ( ALL INACCURACIES CIRCLED ). Attached and labeled as Exhibit C and D, is more inaccurate information reported such as inaccurate original creditor name and inaccurate remarks. ( ALL INACCURACIES CIRCLED ). Attached and labeled Exhibit E, is copy of my consumer report from XX/XX/XXXX, where the " Account Type/DetaiXXXX '' is inaccurate, " Balance '' is inaccurate, " No. of Months '' ( terms ), is inaccurate, " Past Due '' is inaccurate, " Payment Status '' is inaccurate, " Last Reported '' is inaccurate, " Comments '' are inaccurate, " Date Last Active '' is inaccurate, and " Date of Last Payment '' is also inaccurate. ( ALL INACCURACIES CIRCLED ). Also attached and labeled as Exhibit F, is another version of my current consumer report, showing a total of ten ( 10 ) inaccuracies. ( ALL INACCURACIES CIRCLED ). LVNV Funding LLC, stated in ALL of their responses that, " They are the " Current Owner '', and that they acquired the account on XX/XX/XXXX. Please be advised that in Exhibit A, B, C, D, E, and F, are all showing/reporting different " Date Opened '' dates. I am aware that under FCRA 623 and FDCPA 806b That a " CREDITOR '' " MUST '' enter a notice of dispute, and if this is not entered, the account CAN NOT report on my consumer report, and also under the FCRA, it is perfectly legal to DELETE an unverifiable, incomplete or inaccurate collection account. How can LVNV claim that this account was " verified '', with inaccurate information as accurate? And how can all three ( XXXX ) reporting agencies report three ( 3 ) different versions of information? Finally, with all of the documentation and correspondences between LVNV Funding and myself, XXXX XXXX, the consumer, I am aware that I have ample Exhibits, correspondences, and proofs that this company is in extreme violation of the Federal Laws and will use this new and updated information to file an additional complaint with my states Attorney General 's office and will commence litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX holds 8 students loans of mine, and I have been in deferment since day one due to income. However they have all eight accounts showing extremely late like 120 days and I've never even had a payment agreement to be late on. I've written them several times with no changes and no reply. I've left my number, email, address and I've gotten nothing. I called once but the person didn't make any sense so I wrote in to have proof of correspondence. The person I spoke with ( XXXX ) stated she doesn't know anything about credit reporting and that I should call back in the early morning because managers are there at that hour. Like I said ; it didn't make much sense to me so I wrote in. I've also been disputing it with all three credit bureaus and I'm going on month ther three with no response or change. This is creating a huge drop in my credit score and creating problems with even being able to rent a home. Because my score drops so significantly because it's 8 different loans so they hit me 8 times. I really need this taken care of. Any help would be greatly appreciated. 

Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX = XXXX FCRA Violation 15 U.S. Code 1681a ( 2 ) ( A ). Its wrong to report late payment. I was Never late in the year XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. You have FAILED to provide me any proof Ive asked for proving why you are reporting wrong information. What did XXXX send you??? If XXXX wont send you any information then you must correct it or delete it. 

XXXX. Once again provide the name, address and phone number of each person you spoke with that verified I submitted payments or remove all lates. 
XXXX. Once again provide all documents with dates from XXXX that these dates were not deferred or remove all lates. 
XXXX. Please send all bank transaction receipts records that show payments I supposedly paid in XXXX  or remove all lates. 
XXXX. Please also provide the loan amount statement receipts with dates I should have received on all the payments I supposedly made for XXXX  or remove all lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to and sent information to XXXX XXXX XXXX services. They have reported my account ending in XXXX as being 30 days late in XX/XX/XXXX. I made 4 payments in XXXX XX/XX/XXXX for {$73.00} and XX/XX/XXXX for {$55.00} and then XX/XX/XXXX {$840.00} and XX/XX/XXXX {$720.00}. Both times they applied to the other account ending in XXXX. I called numerous times to have this corrected. The 2 payments on XX/XX/XXXX were finally after repeatedly calling over at ; east a 2 week period were finally credited corrected but the 2 payment on XX/XX/XXXX and XX/XX/XXXX wee never corrected and applied to the account ending in XXXX causing the account ending in XXXX to show 30-days late. I have called, faxed repeatedly XXXX XXXX and have disputed with the Credit Bureau to no avail. I want the negative 30-days removed from my account ending in XXXX removed. Both accounts have been closed.