23daVinci/CFPB_Complaints huggingface dataset:
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 name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # 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

Upon reviewing my credit report today, I was alarmed to see incorrect accounts appearing for no apparent reason. I check my report regularly, but this time, there were discrepancies that I wasnt expecting. I even tried refreshing the page to see if it was a glitch, but the errors remained. Due to this, I am requesting that my submitted documents be carefully examined to ensure that this issue is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continually chooses to report an invalid tax lien on my report. I have asked them to verify this information many times. I have spoken with the company who reported the invalid tax lien XXXX XXXX and they did apologize and deleted the information from my XXXX XXXX report and they have sent this information to Equifax. Equifax chose to remove one of the tax liens but refuse to remove the other. This is hurting my chances of obtaining the credit that I deserve. XXXX XXXX could not verify the tax lien belong to me. I asked the Equifax representative where was they getting this invalid information from and she stated that they received this information from XXXX XXXX, but XXXX XXXX sent them a request to remove these invalid tax liens almost 3 months ago. I should not have to suffer because Equifax refuse to remove an invalid account.
Product: Money transfer, virtual currency, or money service

I took my life insurance check for {$10000.00} into Ace Cash Express to be cashed and they agreed and gave me most of it in cash, the rest had to go onto a XXXX card. Due to the employee giving wrong information, ( such as my address ), I couldn't verify whatever she had given to them. I went back in to Ace, and she had XXXX reissue the remaining funds to their store. Once the check arrived, I then proceeded to try to cash it but was then notified that there would be another check cashing fee. So i pretty much paid the fee to cash the same check, in essence. Since its due to their own negligence, I believe I've been scammed into paying unneccissary fees and would like to be refunded the fees lost to say the least.
Product: Credit reporting

I have had several different problems dealing with experian. 
Recently, I tried over several days to obtain my free, yearly Experian credit report. I initiated the request on the government website ( ftc? ) and was then directed to another website. 

The problem was that I always received a message stating I could not receive my report.I can not remember the exact wording but received a message stating there was some type of error Eventually, I was able to receive the report BUT I had to access it through the Experian website which I did not want to. 

Also, last year I had difficulty receiving my Experian report. Then, when I tried to obtain my report it falsely stated that I had already received it. 

Finally, in 2015 I receive free credit reporting through Office of Personnel Management ( OPM ) as a victim of the XXXX hackers.The experian information on that XXXX provided website ( myidcare ) contains inaccuracies but I could not dispute them because the Experian dispute form mandates a, report or case number which XXXX does not provide. 
It appears as if experian does not readily provide the mandated free yearly report and makes it impossible to report inaccuracies if those inaccuracies are noted on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has delayed removal of a default judgment reported on my credit report and made it difficult to submit supporting documentation online. Now after working on this matter for over 30 days, they have informed me that I must mail in my supporting documents thus delaying the corrective action even longer. I am in the middle of purchasing a home and need to have my bank prequalify a purchase but am required to work with Experian to fix the misreported information before moving forward with my loan approval process.     Thank you for your help to resolve this issue with Experian.
Product: Credit card

I have XXXX credit cards : TJ Maxx, Wal- Mart and Belk , all through Synchrony Bank . XX/XX/XXXX, Belk decreased my credit limit from {$900.00} to {$860.00} based on my credit report and not the fact that I had not been late and was paying on time. Then XX/XX/XXXX, I experienced a financial setback for which I spoke with a customer service representative for Wal-Mart/Synchrony Bank. The representative set up payment arrangements drafted from my checking account, and she advised me that my account would remain open as long as I made payments. Then come to find out, customer service lied because my account was closed and turned over to a collection agency. I called them, sent a letter, and informed them about their lying business practices. I complained about them turning this over to a collection agency, which now has a negative hit on my credit, especially after I was making timely payments. Wal-Mart/Synchrony Bank took the account from the collection agency, and I began making my payments at the store. However, they refused to re-open my account even after I paid it in full. 
Mind you, I have the TJ Maxx and Belk cards through Synchrony Bank, which I was paying on time and maintaining. Then on XXXX XXXX, XXXX, I paid {$800.00} on my Belk card, still leaving a small balance and {$500.00} on my TJ Maxx card. Then two weeks later, XXXX XXXX, XXXX, I received an email copy of my statement saying my available credit was {$9.00}. So I called the next day about my emailed statement, for which no one could answer but advised I would be getting a letter in the mail stating why they decreased my credit. I believe they knowingly chose to do so to adversely affect my credit score. I pay my balances down below the 30 % so my credit score can increase, and two weeks later Synchrony Bank makes this decision regardless of me being a member for years, paying on time, and having multiple accounts/cards. I truly believe Synchrony Bank, formerly GE Capital, is back to its old, unfair practices greatly affecting people who are working hard trying to maintain their credit scores. The reason I know this is unfair, they have reduced my credit line twice within a year 's time. Why would my account be flagged so, especially with me paying on time? How could a bank possible justify going from {$900.00} to {$170.00} within a year 's time and the customer has been making on-time payments.
Product: Debt collection

After reviewing my credit report, I noticed AMERASSIST AR SOLUTION at, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, PHONE # XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : XXXX  account # XXXX AMERASSIST AR SOLUTION, 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: Money transfer, virtual currency, or money service

In Complaint # XXXX I explained that I was a victim of an Internet Fraud activity in which my bank, XXXX XXXX XXXX XXXX US {$9000.00} to a Bank Of America XXXX BOA ) account which BOA had XXXX for the scammer or an agent thereof. I provided their account holder information including name, payment reference, account number, routing number and date in order to fully identify the perpetrator and the event. Also, I provided the XXXX Case ID ( # XXXX ) and the BOA Incident Report ( # XXXX ). 

In this prior claim I put forth XXXX questions to BOA : XXXX. Does BOA have procedures in place to properly vet their customers? 
XXXX. If so, were these procedures properly followed regarding the recipient of the wired scam funds, BIG EQP LLC? 
XXXX. Why has BOA not communicated with the XXXX XXXX with meaningful information? 
XXXX. If no recovery has been made, does BOA carry insurance or self insurance to protect victims of this increasingly prevalent occurrence and if so how could I, as victim, access these funds? 

In their response to the prior complaint, dated XX/XX/23, BOA answered NONE of these questions! Instead the response references privacy policies which do not allow them to to disclose any detailds about accounts. Although the responder wrote that she reviewed the correspondence carefully, even a simple reading would confirm that none of the questions in the original complaint inquire about details of their customer! 

Why couldn't the questions be answered? 

Furthermore, in telephone conversations with BOA personnel since the prior complaint was filed, I learned that XXXX the subject account had been frozen., XXXX there had been close to {$300000.00} of complaints against this account, XXXX initially that the account holder had " pushed back '' against the claim, XXXX more recently, that the account was permitted to be closed because the account holder DID NOT RESPOND! XXXX despite having properly filed a recall request form and " hold harmless '' letter in XXXX, XXXX XXXX asked to do both of those submittals again in XXXX. What did BOA do with the original complaint? Miscommunication and inaction on the part of BOA seems to be the only consistency. 

By not properly vetting their customer and not seriously considering a victims 's recall request and complaint relating to it, is BOA complicit in email fraud and wire fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on the consumer report is not my address. It says that my DOB and SS number were not verified. There is a long list of criminal history that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file my complaint regarding the incorrect reporting of a late open accounts on my credit report. Despite multiple attempts to resolve these issues through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of these errors are causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : 1. Conduct a thorough investigation into the reporting of this account. 
XXXX. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. XXXX. Provide a clear resolution and timeline for the correction of these errors. 
Please help me correct the accounts right away : XXXX XXXX Balance : {$19000.00} ; XXXX XXXX AUTO XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Equifax credit reporting agency remove/block information appearing on my consumer credit report that is the result of identity theft fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal loan account opened aXXXX 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 
I do not recognize the aforementioned accounts listed in this complaint. The aforementioned accounts appearing on my credit report maintained by you were not open, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud I have attached a copy of a FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 

ATTACHMENTS : Identification Consumer Credit Reports FTC Affidavit
Product: Vehicle loan or lease

Me and my husband purchased a XXXX XXXX XXXX on XX/XX/XXXX, through a private sale in XXXX XXXX, FL. The vehicle had a missing title, but seemed to be clean otherwise when we looked up the VIN number. 

Unbeknownst to us, when we went to get the title bond so that we could register the vehicle in GA ; there was a exsisting lien on the car that wasn't disclosed to us. 

We got into contact with a notary named XXXX who works for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, GA ( XXXX ). She helped us find out that the lien on the car was paid off in the early XXXX, but never filed with the DMV to have it removed. ( XXXX with XXXX  has the exact dates ) XXXX from XXXX  got into contact with the company holding the lien : Lendmark Financial Services XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Tn XXXX. She sent a notarized document requesting the lien release for the vehicle in XXXX, and was told by the Manager of the establishment, XXXX, that she would fax the lien release to XXXX. 

Well, as you may already know, we need the physical copy of the lien release to be able to receive the title bond for the vehicle, which XXXX informed Lendmark of. The manager of Lendmark continued to try and fax the document to XXXX, then finally, after being contacted numerous times by XXXX, said that they will send it in mail, notarized. At this point, about a month has already passed ( XXXX ) since contacting Lendmark and speaking with the manager to get this issues resolved. 

XXXX  never received the documents in the mail that Lendmark supposedly sent out. XXXX at XXXX contacted Lendmark once again, after a few weeks, only for them to say that they would resend the Lien release. 
XXXX at XXXX said she would contact us if she received the documentation from Lendmark. Which, once again, she never received. 

We hadn't heard back from XXXX in about 3 months, so we called and asked for an update, which was that there was still nothing received from Lendmark My husband and I then contacted Lendmark personally, and spoke with XXXX the manager. She told us that she would send it again in a very annoyed voice, and we asked that it be sent to our home address, instead of XXXX. She said she would send it once again and hung up. Unsurprisingly, the document was once again never received. We waited 3 weeks for the supposed document to arrive, before contacting Lendmark again. 

This time however, we were told by the Manager XXXX that the lien release probably got lost and told us they were refused to get it notarized and sent again because it was expensive to do so. 

This was our last contact with Lendmark, around XXXX of XXXX. I was recommended to file this report as they should have filed the lien release throught the proper avenues when it was originally paid off, and have now given us trouble with trying to get it released. We believe that the documents were never actually sent. But of course we have no way to prove this outside of not receiving the documents 3 separate times to 2 separate locations ; after they informed us that it had been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a request in XXXX to have the barclays account removed, but I am not sure why it wasnt removed, maybe a misunderstanding. I have no financial obligation to the account since I was only a authorized user, not the account owner. The dispute has been in place for over 30 days and they have failed to remove the authorized user account in a timely, efficient manner.
Product: Credit card or prepaid card

I have tried several times to speak with them through email and the woman that replied and refuses to respond to any messages or answer any questions.. calling direct express over the phone proves to be difficult ... I still have transactions that I did not make them because she's ignoring my messages more Time is passing and I won't be able to dispute these charges if I wait any longer ... The last set of disputes that I did I never got a letter I got one letter stating that they didn't see no error. Yet the charge was made in XXXX all of their letters always state that they see no errors. I'm now speaking with a supervisor XXXX i'm still getting nowhere. 
I can only speak through email because I am mute. It is better for me that I can explain myself what's going on ... can someone please take the time to speak to me through email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax, XXXX  & XXXX. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date Equifax is reporting is unavailable. Equifax has failed to publish the correct information. 

The Bankruptcy filing date Equifax is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015
Product: Debt collection

Synchrony Bank said I owed for donations I made through Paypal Credit -- donations that were actually made to be paid by XXXX XXXX XXXX. I never asked or received any membership in Synchrony Bank. When I asked the bank for specific amounts paid by them as my donations they did not do so, only repeating that amount owed to them, which kept increasing with penalties and interest. Now I am getting phone calls and letters from XXXX XXXX with the debt in their latest letter of XX/XX/XXXX  that demands {$530.00}. Eight months ago I sent a registered lettering to XXXX XXXX giving the details of why I do not owe them or anyone else this amount -- XXXX XXXX never responded. Their letter today is the same as the one sent eight months ago even to the amount demanded. I am a XXXX  XXXX in the XXXX XXXX and a former XXXX XXXX in the XXXX XXXX. I do not tolerate attacks upon my person in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my XXXX XXXX for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.
Product: Checking or savings account

On XX/XX/2024 {$550.00} was withdrawn from my account using XXXXXXXX XXXX  XXXX XXXX for a car loan ( overpayment ). The car loan was paid off in XXXX and Id canceled the automatic payments but was told by XXXX that I only canceled it for one month ( XXXX ) is and would have to go through the vendor ( Global Lending Services ) in order to receive my refund. I instantly contacted GLS support line and filed a request for a refund. After a second or third phone call, I was told theyd be sending a check in the full amount of {$550.00} to the address on my account and itd take at most 30 days. After two weeks I decided to call again since it usual doesnt take the full 30 days and was told my refund request was denied, they apologized for not calling me to tell me but after I explained the situation and questioned why it was denied, the customer service agent told me it would be approved and shed send out the check. I called again some time later and was told there was a note on my account stating the check was sent out XX/XX/2024. In the beginning of XXXX, I had still not received my payment. I called again and was told there was no record of a check being sent out besides the note on my account but shed give me a call back after sorting things out. The week went by and I never received a call back, after calling again I was told by a different agent that hed try to get ahold of the agent who was supposed to call me back. I never received a call back from him either. On XX/XX/2024 I called Global Lending Services and spoke on the phone with an agent for over an hour. She ultimately told me they have no record of my payment and Id have to go through my bank, I made her aware that I have proof of payment and its no longer my banks authority. She said she didnt have the correct employees available to deal with my situation and would give me a call back by the end of day XX/XX/2024. I havent received the call and the business is now closed.