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

My complaint is the way all three credit reporting companies ( XXXX, Transunion and XXXX ) use  selective data to determine an individual 's credit worthiness. My credit score was over XXXX just 3 months ago and now it is XXXX with Transunion and XXXX with XXXX.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My entire Equifax credit report has been wiped completely out! My entire credit history is completely gone! I first noticed the problem back in XX/XX/XXXX and filed a complaint in XXXX but the issue was not resolved. When I apply for credit it comes back showing that I have no credit history with Equifax my oldest account dates back to XXXX but my credit history is much longer than that. Please investigate and have my credit history restored.
Product: Debt collection

This debt collection agency has taken on abusive practices. I previously complained about a XXXX debt by way of XXXX XXXX in XXXX of 2020. The Harrassment stopped and I later received a derogatory mark on behalf of XXXX from Enhanced Recovery Company one month later. In an effort to quickly resolve the issue I offered to pay for removal. I paid the random {$63.00} debt for XXXX and the reporting persists with a XXXX  balance. Not only that a new XXXX debt has appeared today for over triple the amount of the first debt. I am writing so that this dangerous recycling and reporting of old paid debts or unknown accounts cease. I had one comcast years ago and have not had any new unpaid debts nor unreturned equipment. These phone calls have been recorded. 

My credit report shows two derogatory marks from Enhanced Recovery Company in starkly different amounts. I believe there have been federal violations and innacurate reporting which have been detrimental to my fair credit rating. 

Please advise.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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: Checking or savings account

On XX/XX/2024 I set up a XXXX XXXX to pay my credit card on XX/XX/2024 in the amount of XXXX. On XX/XX/2024 I received notification that my direct deposit was deposited. I logged into my account and edited the date I wanted my credit card XXXX XXXX paid. I revised the date to XX/XX/2024. The XXXX XXXX paid my credit card and XXXX was deducted from my checling account. Today, XX/XX/2024 I received notification that XXXX was deducted from my checking account. I logged in to see what happened and somehow the original payment was taken out of my checking account again. I called the bank and all they told me was that she didn't know how or why it happened and that it must have been a system error but that I would have to wait XXXX business days to have them reverse the payment amount. This is crazy. What if I didnt have the money in my account? I would have had checks bouncing. I don't understand how they can hold my money for 10 days when this was a bank error??
Product: Debt collection

I had an auto loan that went into default in XXXX of XXXX with XXXX XXXX XXXX XXXX. They eventually transferred the file to some collection attorney who I have never received a phone call or paperwork on. Back at he end of the year knowing I was getting to the 7 year mark I started a dispute with XXXX to get this item removed from my credit report. Based on previous credit reports obtained from XXXX and the correct data of when the loan went into default the 7 year mark would be XX/XX/XXXX. I received info back from XXXX  stating the company has certified the info is correct. I than sent a letter with back up paperwork with previous credit reports from XXXX  showing where it was originally noted that this info would come off my credit report in XXXX of XXXX. Please note that it is not on my XXXX  report or XXXX and hasn't been for some time. After XXXX  received my 2nd dispute the results came back ( which I will attach all info ) and states the company that reported the information has certified to XXXX  that the info is correct. I have sent dated documents to XXXX  which I will enclose and I feel that this Collection agency is lying and not giving them accurate information. Please help me as this company is reporting negative and inaccurate information on my report. I have tried to reach out to them via letter and have been unsuccessful in receiving a response. Name of Collection Firm is Grant & Weber
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : to Remove Inaccurate Credit Information To : Whom It May Concern ; I received a copy of my credit report and found the following item ( XXXX ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter.

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX
Product: Debt collection

I recently discovered three debt items on my credit report from SYNCB/CARE CREDIT, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX XXXX OH XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from SYNCB/CARE CREDIT regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Product: Student loan

In XX/XX/XXXX NAVIENT notified me by letter that they were increasing my monthly payment of {$180.00} by {$71.00} - to be effective with my XX/XX/XXXX payment. No explanation for the change to my repayment plan was provided in the letter. I have made all the monthly payments on time since XX/XX/XXXX and have never been notified by NAVIENT that I was delinquent on any monthly payment prior to XX/XX/XXXX or that I owed any late fees. I called the company for an explanation and a written accounting of why they are attempting to collect an amount in excess of the original repayment amount listed in the promissory note, but they offered no further details about why the change was being sought. Therefore, I continue to pay the original amount ( {$180.00} ) and have not paid the increased amount. However, since then I continue to receive letters and calls from NAVIENT informing me that I am now delinquent on my loan. 

The terms of the loan are clearly listed in the original promissory note which I attached with my submission : {$15000.00} borrowed at 8.5 % interest to be repaid over 10 yrs ; 120 payments at {$180.00} with the first payment due in XX/XX/XXXX and the final payment due in XX/XX/XXXX ). The increased payment of {$260.00} demanded by NAVIENT is effectively a change in the original loan terms as documented in the promissory note and amounts to an overcharge of {$1000.00} on the loan.
Product: Debt collection

I need to change the address that you are mailing my debt collection to. I no longer live at the residence and need to change it asap
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Debt collection

This account was agreed upon a set amount to be paid to the creditors which i pay the same day we all had disused. The payment was made on the ( XX/XX/17 ) but this creditor refuse to remove it from my credit report even after sending letters, calling and asking them to remove this account as we all agreed on that they was going to remove it once i paid. I don't understand why they are doing this but is really stressing me out because, of the damage this is causing my credit.
Product: Debt collection

Southwest Credit System place this negative account medical account on my credit report as I was unware of the debt and could not Dispute the information as they sent mail to an address I did reside at ... 

After I seen the negative account my credit report. I sent them a request to remove the account ASAP. Southwest needs do the following : 1. Remove this account of my credit report ASAP as I was unaware of this debt. 
2. Show they have the right to collection in Ohio. 
3. Provide method of validation for this account as I recall owning money on a account of this nature.
Product: Credit reporting or other personal consumer reports

I asked Experian to verify this debt as mine they said it was. They have not been able to. 
Here 's their response. 

XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit card

I contacted Synchrony regarding changes in interest rates on my card. I had believed that I was paying off the balance in equal installments to avoid any interest fees. It turns out that this payment plan only applied to one of the promotions on the card, and Synchrony was allocating my payments in a way that was not beneficial to me, resulting in a significant interest fee. If I had known that my payments were being split between two separate promotions, I would have made adjustments. Unfortunately, I was not given the opportunity to make payments against each promotion individually, as all payments were processed under a single payment.
Product: Prepaid card

On XX/XX/year>, I experienced multiple issues accessing my child support prepaid debit card funds. My first attempt was to make a purchase on XXXX for {$49.00}, which included essential household supplies and a gift for my offspring. Despite having sufficient funds, the payment was denied with a message stating, " Payment revision needed. '' Later in the day, I attempted to place another order on XXXX totaling {$60.00} for additional items, and once again, the payment was denied with the same " Payment revision needed '' notice. This was my second denial of the day, despite the fact that funds were available on the card. 
I contacted the card company, and they assured me that I would have no issues using the card going forward. 

After third denial, I contacted the fraud department for my card to resolve the issue. When I refused to provide my Social Security Number for verification due to privacy concerns, the agent hung up on me without offering any resolution. 

In a final attempt, around XXXX XXXX, I tried to purchase food online, and once again, my card was denied. These denials have left me unable to access the child support funds meant for my offsprings essential needs and birthday. 

During my last attempt to contact the card company, I received no information with the supervisor agent # XXXX regarding the reason for the issue or who could assist me in resolving it.
Product: Debt collection

Realtime Solutions and McCalla Raymer Leibert Pierce , LLC have started foreclosure proceedings for a loan from XXXX in XXXX XXXX, GA on a property I live at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The foreclosure date is XX/XX/XXXX. The statute to pursue this debt has passed. I was also part of a class action lawsuit because XXXX this is from XX/XX/XXXX " According to the complaint filed by the FTC, XXXX loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees fees that could add up to hundreds or even thousands of dollars. Many of the homeowners had taken out loans originated or funded by XXXX lending arm, including subprime or nontraditional mortgages such as payment option adjustable rate mortgages, interest-only mortgages, and loans made with little or no income or asset documentation, the complaint states. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX
Product: Debt collection

I was securing a refinance loan on my property when to my shock I was denied because I had XXXX unknown judgment liens on the title Report of my Property. 

Wells Fargo Bank XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX. {$7900.00} I was never served with court papers or given any notification to dispute these debts nor have an opportunity in court. My place of residence since XXXX has been in the state of Hawaii.
Product: Mortgage

Faye Servicing bought my loan from XXXX XXXX in XX/XX/2019. I began making payment to Faye Servicing in XX/XX/2019. Faye Servicing does not take electronic payments, the payments are sent by paper check, usps mail. XXXX shows the date my payments are delivered to Faye Services payment address. My payments always arrive prior to the late due date the XXXX of each month. 
Since XXXX it takes Faye Servicing XXXX days to post the payment to my account. I get statements showing my payment is late and or has not been received and constant collection phone calls for a payment they have in their possession. 

I'm told it takes a while to get from their mail room, well that's not my problem that they don't have adequate staff to promptly pass on my payment to the department that cashes the check and the department that cashes the check doesn't update my account that the check has been received and even after it has been cashed by my bank, it still is not updated in their internal system so I keep getting collection calls. 

XXXX payment-check from XXXX delivered on XXXX check # XXXX {$1200.00} was cashed on XXXX per my bank statement. it is now XXXX and I'm being called and told my payment has not been received. 

1. Ongoing and continuous problem every month 2. for XXXX it took 13 days from when they received my payment to cash it 3. 6 days after it has been cashed, I'm being called 2/3 times daily told they have not received my payment. 


4. I do not receive an updated statement after they finally communicate internally and reflect my payments. 


5. I've called in XXXX, XXXX & XXXX about their slow processing of my payments trying to be proactive with no fix.
Product: Money transfer, virtual currency, or money service

I asked Cash App to provide me with the total amount of XXXX purchases and sales ( in aggregate ) on my account. They did not provide this information and explained to me it is not available. I need to be able to understand this information in order to buy and sell the cryptocurrency they offer on their platform.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiatity under 15USC 1681. 

ACCOUNTS : XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Auto Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX 15USC 1681 Section A States I have the right to privacy.

15 Usc 1681 Section 604 A consumer reporting agency can not furnish a a ccount without my written instructions.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Also they are'nt even in compliance with metro 2 credit reporting. I have evidence to prove my case