23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to call Synchrony Bank for the XXXX XXXX Credit Card in the past to provide my contact information and I was forward around to other department and direct to an attorneys office to be sued. Today, XX/XX/2023, I attempted to contact Synchrony Bank and provide my information. I spoke to XXXX and she gave me the number XXXX and transferred me. The call disconnected after the prompts I followed to press XXXX. I recently got a name change and I was trying ensure its updated everywhere, however, it seems as if no one wants to update my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I feel as if I am being discriminated against for trying to update a name change and pay a bill. I am not treated fair or with dignity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/XXXX To who it may concern, Transunion XXXX 

Please see late payment attached and inquiries. 
1.Depart of ED/XXXX  2. Depart of ED/XXXX  3.Depart of ED/XXXX  4.Depart of ED/XXXX Inquiries need to be removed. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Home/Office Furnishings ( XXXX ) XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Names ) has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting

Transunion : Transunion still shows XXXX as a student loan on my credit report. I only had XXXX XXXX for a short amount of time till I consolidated my student loan. Federal loan is handling my student loan. I no longer have XXXX XXXX. It 's a mistake. It was taken out of my report for XXXX, however it still shows as a loan on my transunion. This loan was closed and should no longer show on my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Still after 2 years of my Wife and I identity theft, nothing have being delete and remove. over {$100000.00} dollars in personal damage. I have requested in multiples request to you the consumer financial protection bureau to please tell the credit bureau to delete and remove the accounts with the amount of {$55000.00} From Toyota Financial the {$42000.00} from XXXX  XXXX XXXX and the XXXX XXXX of {$5900.00} that shows on personal credit profile. all does account are fraud base on the data breach from XXXX and XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. you have got to this document and police report since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my credit report. I sent an initial correspondence disputing several items. I received a response from the credit bureau stating that they verified some of the items I had disputed. I replied with another correspondence requesting the specific method of verification. The credit bureau  ( EXPERIAN ) re plied to my correspondence stating that my letter was not legible. I 'm not sure how that could be when the letter was typewritten just like my previous correspondences. I would like to know what certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor?   My name and reputation are at stake and this reporting has caused great financial distress. I need the bureau to provide the above information, so I can conduct my own   investigation and verification process with the alleged creditors.
Below are the items I disputed and requested the above referenced information for, so that I may c  onduct my own investigation.     1.   XXXX   XXXX   XXXX  , truncated account #  XXXX  on credit report, reported balance {$1000.00}  2.    XXXX   XXXX   XXXX  , reported balance {$9400.00}, partial account number (  XXXX  )  3.   XXXX , truncated account number  XXXX , reported balance {$2200.00}.   4.  XXXX , truncated account number  XXXX , reported balance {$1500.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date.

System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information with XXXX over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. XXXX fail to do the same. I am attaching my XXXX report. Please have XXXX to update the records to reflect the accurate information that XXXX has within 30 days.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have some XXXX accounts and inquiries appearing on my credit report. 


Accounts XXXX. XXXX {$6900.00} XXXX. XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I 'm in dispute with Capital One Auto Finance with my XXXX 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the XXXX of every month. However, my XXXX payment is being reported as being received by Captal One on the XXXX of XXXX and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, U S DEPT OF EDXXXX 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

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX , Experian to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent.
<P/>
 XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX    accounts   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card

SCOVER BANK This account is currently under dispute under dispute Account info Account name DISCOVER BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$130.00} Credit limit {$15000.00} Highest balance {$6900.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days
Product: Debt collection

For the winter of XXXX, I purchased my home heating oil from XXXX. 

I was on a monthly billing payment of {$290.00} I terminated my business with them in the spring of XXXX ; at that time I was credited back {$290.00} for an automatic payment that had already been made. 
Shortly thereafter, I received a bill from XXXX indicating that I had a balance of {$290.00}. I contacted XXXX and indicated that I did not believe that I owed them any money, and requested that they send me a detailed accout of my purchases and payments for the XXXX season ; this information was never received. 

Within approximately two ( 2 ) weeks, I recieved a demand for payment, in the amount of {$290.00}, plus an {$88.00} fee, from the collection bureau of the hudson valley. I again contacted XXXX in XXXX and again requested a detailed accounting ; again I did not receive anything. 

I then received, from the collection bureau of the hudson valley ( cbhv ), a demand for payment in the amount of {$680.00}! 

I spoke with XXXX at CBHV, indicated the discrepency between the alleged amount due from XXXX and the {$680.00}, and I again asked for a detailed accounting of my account. 

I received from XXXX a listing of payments, credits and oil deliveries for XXXX only ; I did not receive an accounting for the entire heating season. 

I contacted XXXX and indicated that what was sent to me from XXXX was incomplete. In addition, while still disputing the amount of {$290.00} that XXXX originally billed me, I asked him to explain why a final demand of payment from XXXX of {$290.00} was now {$680.00} ; XXXX could not explain this discrepency. 

I informed XXXX that I was again requesting a detailed accounting of my account with XXXX from XX/XX/XXXX through the end of my relationship with XXXX in the spring of XXXX. 

I further informed XXXX that if I did not receive such information within two ( 2 ) weeks, I would pursue my complaint. 

To summarize, I am disputing any amount due to XXXX, whether {$290.00} or {$680.00} until such time that I receive adequate documentation that I in fact owe any money. 

It is also my impression, which I shared with XXXX, that I believe CBHV knowlingly, and with malice, intentionally increased the alleged amount due from {$290.00} to {$680.00}
Product: Credit reporting or other personal consumer reports

I wanted reported accounts from XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX removed off my credit file due to Improper investigation
Product: Debt collection

I purchased a car from XXXX XXXX in XXXX and in XX/XX/XXXX I willing gave the car back to XXXX XXXX. They came to my home picked the car up and assured me that my surrendering the vehicle on my own accordance that I want be held liable for any additional charges. There was no past due payments at the time I surrender the car. When I reviewed my credit in XXXX a collection agency that I have never had a conversation with or any form of contact was saying I owed them over XXXX in debt I also noticed after getting a copy of my credit report via mail that that collection agency made false statements adv I paid towards that owed amount when I never had no form of communication with them. I have been disputing this amount with all XXXX major credit bureaus for the last 5 years requesting accurate proof and documentation but once the disputes are resolved they only say the debt is accurate not providing no proof of the requested documents. This false debt collection has been sitting on my credit for over XXXX when the vehicle was willing surrendered to the the actual company XXXX XXXX who I can still purchase a car from right to this day. I would like this debt removed from XXXX because its the only negative item in my credit that is XXXX inaccurate and XXXX fraudulent information information and debt. I have not received proof of the time frame when this debt actually took place which I know when I originally purchased the car from the the vendor XXXX XXXX  which was in XXXX and in XXXX me and XXXX XXXX spoke over the phone and came to a mutual agreement that I could surrender the car willingly and it would not affect me or my credit. If you look at my credit report there are no repo for that vehicle. The collection agency that I guess purchased the debt for Pennies are trying to collect debt without communicating with me with me as well as reported false information saying I made payments with them towards an a inaccurate amount and is against the Fair Credit Act. Im not paying a unknown company that I have never communicated with nor provided proof to me about false fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from ECMC via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at ECMC was monitoring that mailbox.

The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. ECMC then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. 

A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. 

My credit report still reflects a defaulted loan and ECMC either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.
Product: Debt collection

Ive requested that XXXX stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with XXXX XXXX XXXX If XXXX holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

XXXX XXXX bought and securitized student loans. These securitized notes were then sold to debt investors. XXXX XXXX then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

XXXX XXXX also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, XXXX does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by XXXX XXXX and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following XXXX/XXXX accounts removed from my credit report : XXXXChase Bank account number XXXX. 
XXXX/XXXX - account number XXXX. 
XXXX/XXXX - account number XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and Address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I want appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements maXXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports : XXXX. 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. This has violated my rights under the FCRA. 
15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history ), between the consumer and the person making the report ; XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, TRANSUNION, and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, XXXX and TRANSUNION are not an affiliate of XXXX. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Payday loan, title loan, or personal loan

I got aa call from the same number of my. Bank peoples United. I banked with them for the better part of 25 years the last 20 at the current branch down the street from my apartment. XXXX XXXX at XXXX, ct. On XX/XX/XXXX Friday. My first week on the XXXX Job I got a call from the banks number saying I had suspicious activity in Texas someone using my card. Then the caller said rip up the card and they will issue me a new one by fedex in two days. They proceeded to ask online verification questions. Next thing I know, when I go to my bank on Tuesday there was nothing in it. I had just started at this XXXX, CT XXXX XXXX XXXX  department. I was and still am still am a XXXX XXXX in XXXX, CT I do a lot of XXXX  work in the community CT. They took my savings transferred it into my checking and then withdrawals the checking and my credit line. I file a fraud claim that same day I found out XX/XX/XXXX. On XX/XX/XXXX the bank investigation was done and they said although the transaction was not authorized by me, they were not libel the authorization code was generated through my phone. This is outrageous. It was a scam. I did not authorized this wipeout I reported with in 5 days or Two or three business days. It should be covered under FDIC. They know I didnt make any these transaction from XX/XX/XXXX to XX/XX/XXXX. I closed the account immediately the same day I went to the bank. They say the computer servers where the transaction occurred was from XXXX.