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

In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX  decreased by XXXX plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX  decreased by XXXX points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and credit karma now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still being denied credit due to a fraud alert that was supposed to be removed in XXXX. it appears Equifax for one is dragging their feet in the removal of this alert. I have to wonder if I will EVER get this removed as it is right now ( XXXX, 2018 ) I effectively have no online credit. This is so frustrating! Please help me clear this up. Thank You
Product: Debt collection

I received a notice that I owed a debt from national credit systems. The letter stated that I had until XX/XX/XXXX to dispute the debt. I sent a dispute letter via usps to the national credit systems on XX/XX/XXXX. The letter was delivered on XX/XX/XXXX ( I can provide the tracking number if needed ). I have not received any response from the company at all. Today XX/XX/XXXX I received an alert of a new collection on my credit report. I do not know what this debt is for and I have not been granted the proper response from this company. This is completely unacceptable! 

Here is a copy of the letter I sent previously : Dear National Credit Systems , Inc : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/XXXX and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this charge u dont know why or how my card got charged in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, Account starting with # 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, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Bank account or service

This stated with a deposit being made at this sub par branch into y account with a check. 

I was notified that out of the {$5000.00} deposit, {$1000.00} would be available the next day. When I check the next day there was only {$200.00} available. 

Please note that this was my wedding anniversary and I was in XXXX XXXX counting on this money to be there ... in fact I had already spent $ 300+ of it on our dinner ... Well Fargo rubbed salt in the wound by charging me a {$35.00} overdraft fee. 

When I called client support the XXXX person who answered was apologetic and went through the normal script routine and when I was told they could not release the funds I asked to speak with a manager who spoke from the same script. 

They stated the only people who could release the funds was the branch itself which I was then transferred to. The person who I spoke with went along the same script ... again ... when I stated with conviction that I would be taking legal action he transferred me to XXXX XXXX. 

Her inability to solve simple problems and how she seemed to enjoy to openly disrespect a U.S. Veteran, on his anniversary, proved she is incapable of her current position. 

This branch will lie, cheat, and steal and I look forward to publicly shaming them on a continuous basis until a public apology is submitted as well as a substantial settlement. 

It should also be noted that when the deposit was made via check, an option was given to deposit cash to ensure availability but since the {$1000.00} was stated to be available we did not go with that option or the option to deposit the funds into XXXX where my wife banks ... and where I will be shortly. 

CFPB, FTC and the Attorney General are also being notified in addition to legal action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Last year my Husband was laid off due to Covid 19. His job was a XXXX  for several different districts in our City. We called Wells Fargo for help with our Student Loan got the run around for months, kept calling and no one helped us. We did make a payment in XXXX due to the Simulus Check but we could not pay the amount they wanted. Then a Customer Service Person told me via the phone that our terms, interest rate and monthly payments changed, This is a fixed rate and it is a standard fixed loan. We wanted a longer term of the loan and payment assistant of which we never got!. To the date of this complaint Wells Fargo without any knowledge sold our Private Loan Student to XXXX XXXX, I only found this out because a notice was on our on line banking. 
No help, our payments keep going up with interest charged daily. 
So what does someone due? 
How can we get help on this loan? 
Wells Fargo is not helping in any way and I keep calling I called their Student Loan Department XXXX I have several complaints with the Home Office and still no one is helping us! I have looked at our loan papers and they are a fixed rate at around 7 % with a payment of around XXXX. They changed the interest rate to a variable rate and put us in a Forbearance of which we never signed anything for that! 
We are sick and tired of this happening to us, and how that the loan has been sold what does someone due! We can not pay for this loan? 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, CAPITAL ONE BANK USA add a hard inquiries on my credit reports per XXXX  an XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter on last XX/XX/2023 to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian at least XXXX times about the account XXXX XXXX/ XXXX  XXXX credit card account, the account is not mine, I have notified all three credit bureaus, after submitting proper documentation XXXX and XXXX have both deleted the account from my credit profile. I have included supporting documentation to prove where the other XXXX bureaus have deleted the account, I also have included my Identity Theft Report which list the account, I am asking that Experian delete the account from my credit report and send me an updated credit report once the account have been deleted.
Product: Debt collection

My information was illegally obtained and sold in the XXXX breach. Ive tried to call and write Trans World Systems to dispute this debt but they refuse to respond.Trans world Systems is on my credit report and Consumer Credit report stating I owe them {$690.00} ( XXXX XXXX ) I am not aware of any money owed for this debt. I have no knowledge that this debt belongs to me. I am asking for this debt to be removed from my credit report and Consumer Credit Report immediately. This debt is causing my credit score to drop and Im having issues securing loans and credit.
Product: Debt collection

I have been reaching out to all three credit bureaus : XXXX, Equifax, and XXXX, for the past year and a half. I have been disputing the fact that I am the victim of identity theft and someone has been using my social security and personal information to get access to credit card accounts, loan accounts, and phone accounts and some other things I have no idea what they are. I have listed everything below and which bureau they are reporting as well as the amounts of theft which is almost {$20000.00} worth! 

Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX Acct # XXXX debt for {$760.00} XXXX XXXX ( XXXX ) Acct # XXXX debt for {$2000.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX XXXXs ( XXXX ) Acct # XXXX debt for {$850.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$120.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Acct # XXXX debt for {$13000.00} Fraudulent Accounts that Equifax are reporting : XXXX XXXX Acct # XXXX debt for {$760.00} Fraudulent Accounts that XXXX are reporting : XXXX Bank Acct # XXXX debt for {$760.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX, XXXX, and Equifax have failed to comply with the FCRA by not moving fraud accounts and I have filed a police report and identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Resu

lts ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Invested into XXXX using coinbase invested XXXX $ and went to withdrawal the money through wire transfer and never seen the money after 6 days I NEED HELP
Product: Credit card or prepaid card

I am a consumer and natural person. Synchrony Bank has committed fraud, denied me credit therefore violating federal consumer protection laws. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Synchrony Lending , Inc. violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit.

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used.

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Synchrony bank fraudulently obtained my nonpublic personal information from XXXX and XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Synchrony Bank. Also, I did not provide Synchrony Bank with written instructions to retrieve my consumer credit report.
Product: Credit reporting, credit repair services, 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 number : 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 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: Credit reporting or other personal consumer reports

Chexsystems refuses to correct and or remove inaccurate information from my consumer report. They have an address listed for me in a city in which I have never resided in. Additionally, they are reporting erroneous information. They are reporting negative information on a account that was closed and satisfied. I was the potential victim and I am the one who is being punished, how is this protecting the consumers rights?
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FEDERAL CREDIT REPORTING ACT XXXX XXXX ACCOUNT NUMBER 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I received a phone call from Weltman, Weinbeg, & Reis Co, LPA back in XXXX of XXXX. They did not identify themselves as such and demanded my personal information to which I refused and then got hung up on. I called back and told this company to mail me whatever it was they said I owed and that I would not be giving my personal information out. The next thing I know I was served by the Police Department for a Summons and a Complaint for a judgement in XXXX XXXX MI based on a XXXX XXXX credit card which I had in Florida. I looked up my information on the court systems and I have to date XX/XX/2019 see no case pending. I called XXXX, They told me that they were going to not only sue me but garnish my wages, seize my tax return, place liens on my property and seize any real property I own on a XXXX credit card debit unless I agreed to a consent judgement filed with the courthouse and agreed to pay them. I honestly thought at first it was legitimate considering I talked to an attorneys named XXXX and XXXX XXXX and initially agreed to pay them a settlement of {$2100.00} of installments of {$520.00} a month with the balance payable within 90 days. I feel that this is a violation of FDCPA and my rights as a consumer are being violated ... ... .PLEASE HELP!