23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2023, we made a one time, electronic payment via loan depot website for our XXXX mortgage payment. They debited two payments without authorization. They admitted to the error and said they would take care of any fees, over drafts, etc. We took out advances to cover the expenses since it took almost a week for them to refund the monies. We had pending payments at the time the they took the double payment, and were attempting to prevent overdrafts and late fees for other pending bill payments we had made. They would not help with those advances or overdrafts.
Product: Credit card

Synchrony Financial is not reading the information and reviewing the evidence that is being presented. Amazon clearly stated to me that the return had been recieved and I provided evidence of this through chat transcripts and emails from Amazon. Then Amazon submitted to Synchrony that the return had not been recieved which is false. Amazon has been inconsistent in their details and story. This is a {$1900.00} that I have had charged to my account and I do not have the item and Amazon admits this. Synchrony continues to commit what I would consider fraud and refuses to provide the proper resolution to this issue. Syncrony is using an outsourced call center which can not understand XXXX  or communicate properly. Numerous times I have had to explain the situation just to have to reexplain the situation to them. Simple things Synchrony customer support can not understand or respond to in an appropriate manner. This has created a hostile situation between myself and Synchrony financial. I just want my money back it has been since XX/XX/2023. Synchrony has failed in their responsibilities to the customer and the providing quality service to their US customer base.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Disputes : XX/XX/2022 Case Number : XXXX Case number created by XXXX and his Supervisor ID XXXX / XXXX Spoke with several managers and supervisors they are still seeing issues on my login and under E-Verify USCIS I'm unable to verify myself online due to Equifax. I already spoke with E-Verify USCIS informed them about it. 

I tried sending several emails and starting from XX/XX/XXXX up to present date but no response.
Product: Payday loan, title loan, or personal loan

I have been working with a loan company and the have approved me for {$3000.00}. I was planning in going into sign the documents today. I have a lead provided a copy of my drivers licence and a my companies name, address, tel number and my managers name. They are asking me to bring my social security card and provide 3 names and their contact info. It seems that because I have a non American   accent that they are treating me very differently. They phoned me today XX/XX/2018 and told me I had red flags on my credit report. There is no red flags on my report. The loan companies request seem all unnecessary and extreme. I just want to be treated like everyone else that is getting ready to signs an agragrrement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a FTC Identity theft affidavit with my ID because the account listed below had fraudulent unauthorized charges section 605 Of the FCRA states that if a account is from identity theft it must be removed yet this account is still on my credit report this account needs to be removed immediately. 

XXXX XXXXXXXX
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment comments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and XXXX payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I saw Affirm sent me a summons to court to address I never lived at .this account is only reported on my XXXX account not my other consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts : Account XXXX : XXXX  XXXX XXXX XXXX XXXX, bal. {$550.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX, bal. {$2500.00} Account XXXX : XXXX XXXX XXXX  XXXX, bal. {$520.00} Account XXXX : XXXX XXXX XXXX XXXX bal. {$3400.00} Account XXXX : DeptEDXXXX/ XXXX, bal. {$1000.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$510.00} XXXX Account XXXX : DeptEDXXXX / XXXX, bal. {$4500.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$1500.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$3400.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$3500.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$1500.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$1400.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$3500.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$6000.00} Account XXXX : DeptEDXXXX / XXXX, bal. {$2900.00} Account XXXX : DeptEDNelnet / XXXX, bal. {$3800.00} Account XXXX : US DEPT ED XXXX, bal. {$6800.00} Account XXXX : US DEPT ED / XXXX, bal. {$2000.00} Account XXXX : US DEPT ED / XXXX, bal. {$4600.00} Account XXXX : US DEPT ED / XXXX, bal. {$1500.00} Account XXXX : US DEPT ED / XXXX, bal. {$5800.00} Account XXXX : US DEPT ED / XXXX, bal. {$2900.00} Account XXXX : US DEPT ED / XXXX, bal. {$1900.00} Account XXXX : US DEPT ED / XXXX, bal. {$1500.00} Account XXXX : US DEPT ED / XXXX, bal. {$4200.00} Account XXXX : US DEPT ED / XXXX, bal. {$9300.00} Account XXXX : US DEPT ED / XXXX, bal. {$510.00} Account XXXX : US DEPT ED / XXXX, bal. {$4600.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an insufficient funds notice from my XXXX XXXX Checking account. {$100.00} was being transferred from XXXX XXXX into my Robinhood account. I was surprised to see this since I was planning to close that account and purposefully left the balance at {$0.00}. I ended up paying a {$35.00} insufficient funds fee because my balance was at {$0.00}. 

I contacted Robinhood on XX/XX/XXXX about the unauthorized transfer and Robinhood placed a restriction on my account. They sent an email asking to provide them details of the event, app usuage, and account login details. I did and have not heard back. 

It's XX/XX/XXXX, and I still have not had this issue resolved. I believe that 2 weeks is more than enough time to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some hard inquiry that have not been my authority please I need help
Product: Checking or savings account

I noticed an unauthorized transaction made XX/XX/year> on my XXXX XXXX XXXX ending XXXX and promptly reported it to XXXX via their online dispute tool on XX/XX/year>. 

It took until XX/XX/year> for someone to acknowledge the complaint and ask me for further information about the unauthorized transaction. I replied with the information they requested and was told on XX/XX/year> that : " Upon review, Im afraid this situation does not fall within XXXX 's dispute policies. '' Despite XXXX XXXX XXXX for fraud covering such a transaction, XXXX is not taking action on the dispute. It's a known fact that XXXX does anything in their power to avoid dealing with disputes, and this is just one more situation where they've done just that.
Product: Debt collection

Instead of allowing me to verify debt, it was instantly added to my credit report causing damage to my current score Ive worked hard to increase. I have not received any communication from this company prior to placing this on my 3 credit reports. I would like them to allow me to verify the debt before sending derogatory information.
Product: Credit reporting or other personal consumer reports

XXXX and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from XXXX used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. XXXX and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. XXXX remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to XXXX and TD BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.
Product: Credit reporting or other personal consumer reports

I am processing disputes on my credit profile to delete an remove all inaccurate information that is hurtingly credit file. this is illegal to process invalid an inaccurate data. this is my 2nd attempt to dispute the items. looking over all of my credit files none of the data posted matches all 3 files. please review an remove the requested items listed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Product: Credit card or prepaid card

In XXXX, I opened a Best Buy Citi Credit Card. Since XXXX, I have rarely used it ( I have maybe used it once or twice ). Around early XXXX of XXXX, I checked my credit report, and noticed that my credit score had unusually gone down. I have the XXXX XXXX, which allows me to see a snapshot of all my accounts, and it said for my best buy citi card, my credit utilization was $ XXXX {$4000.00}. Obviously I did not make this purchase. I took a deeper dive into my best buy account, to learn that an XXXX XXXX XXXX, and XXXX XXXX were both purchased using my credit card. I have this credit card, so I am not sure how this was possible. It appears it was purchased in store at Best Buy in XXXX, IL. I live in XXXX, IL. So I filed a report with the citi Best Buy credit card security team, and they are currently working on the issue. They issued me a new Best Buy Citi Credit Card. I don't plan to use it and I am going to close both accounts once the problem is resolved.
Product: Debt collection

Company has called XXXX family members. They have my first name correct, but not last name. I 've started receiving these scams since I recently received new credit cards. I 've told them it 's not my debt, and they still continue to ask how I 'm going to take care of this debt. If I do n't, legal action will be taken. They will not validate the debt, except a generic invoice through email. It 's also a debt from 2008, over 8 years ago. The 'representative ' claimed they have special permissions to bypass the statute of limitations.
Product: Mortgage

Selena Finance fail to provide the monthly statement in few months after they took over the service from the previous mortgage. 

It is crystal clear now, that there is an error in Selene Finance system and they still can not provide the statements for the those few months. 

During the first 60 days after Selene Finance took over my mortgage, I have been calling Selene finance and telling them I want to pay but I haven't received the statement and the coupon. Their kept telling me that Due to COVID, there will be a 60 days delay and just want me to wait, wait and wait. The last call was on XX/XX/XXXX, with call reference XXXX. They still told me to wait and no instruction for how to pay the payment without the coupon This got resolved until XX/XX/XXXX with was more then 60 days since Selene Finance took over the service. The reason it got resolved because I filed the complaint with CFPB on XX/XX/XXXX. 

As fact, Selene Finance laid to me and using the excuse of " COVID impact '' instead of telling me it is program issue and not instruct my correctly with the payment. As a result, Selene Finance charged me late fees for {$63.00}. 

I should not be punished by the late fees since Selene Finance laid and did not provide the right service for my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

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

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also have been a victim of identity theft from a previous close friend. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Money transfer, virtual currency, or money service

When I signed up for freedom debt relief in XXXX of XXXX with my payments beginning draft in XX/XX/XXXX, I was told settlement fees would only be taken AFTER each account is settled AND paid in full. I had three accounts with freedom showing paid in full at the termination of my program in XX/XX/XXXX. Upon further inspection freedom did not pay off any of these accounts in full yet they charged settlement fees. Now freedom is denying this was said or implied, just as they did with their previous lawsuits ( of the many reasons for their suit filed in XX/XX/XXXX : deceives consumers about the extent of their services and deceives consumers about its fees. ) I have since discovered they lied about being better business bureau affiliated. They actually have a b- rating due to multiple complaints and government actions ( aka lawsuits ) against them. I have tried explaining to freedom all the troubles they have caused me ( just as in previous lawsuits against them ) they caused me further credit delinquency and have caused me to accrue more debt due to fees and their lack of follow through. When I was in email conversation with XXXX XXXX XXXX, a reputation management specialist, she advised since I signed the contract I was entitled to no further action up to and including a full refund due to their negligence in upholding their end of our contract. .She would not hear me out, not even to consider a partial refund. She then exchanged a snarky email with her supervisor and had a copy sent to me. She lied about these lawsuits and said they were settled in XXXX when in fact they were settled in XX/XX/XXXX. This company took {$1900.00} of my hard earned money and paid less than {$330.00} of my debt while taking astronomical fees for their settlements. Also once I complained, XXXX XXXX was able to produce a settlement agreement with XXXX  and XXXX, and a memo of my financial ledger ( which I have never seen. I believe this would fall under deceives in general ). I also advised XXXX XXXX I preferred email contact as I work nights for my local XXXX agency yet she continued to call me, more proof freedom doesnt listen to her clients or previous clients as in this case. She also advised through better business bureau that the matter is resolved and it is far from resolved. 
Id love to provide all of our email exchanges as well as screenshots of my account with freedom debt relief. I also have print out of others complaining on bbb and also reporting them as scam artists.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that has been placed on my credit file on XX/XX/XXXX from BANK OF AMERICAthat, I sent the credit bureau ( XXXX ) a dispute letter asking them to verify this inquiry because I did not authorize the company or anyone to submit any application and if BANK OF AMERICA claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that BANK OF AMERICA verified or validated this inquiry when in fact I never authorize the company to submit an application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently.