23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Following up on CFPD complaint # XXXX. Synchronys activity since the filing of that complaint has been even more problematic. 

They took the arbitrary number of {$1700.00} off of the balance. That leaves the new number at {$6800.00}. I purchased the {$9500.00} 24-month no-interest installment plan on 1/25/2021, therefore now that were over half-way through those 24 months, the balance is supposed to be below {$4700.00} at this point, not above. 

The company said in their response Further, your Card Security was canceled on XX/XX/XXXX. Clearly not the case. Look on the first page of the attached PDF : They charged for Card Security on XX/XX/XXXX. With the same phone number that this page https : XXXX revealed is a scam based in XXXX issue Synchrony neglected to address the first time I reported it. 
The Account Details ( page 4 of attached PDF ) has two red flags : Total Fees Charged YTD - $ XXXX have I ever done that warranted even a penny in fees, let alone 15 % of the loan amount? Total Interest Charged YTD - $ XXXX entered into an explicitly interest-free loan. 

Before submitting my previous complaint to CFPD, I notified XXXX XXXX about my concerns. After the CFPD complaint was submitted, XXXX XXXX investigation concluded that Synchrony is a scamsee page 7 of attached PDF. This is not to be taken lightly by the CFPD. XXXX XXXX protected my safety by issuing a stop payment. I told Synchrony the fact that XXXX XXXX will not allow me to transfer money to them after the conclusion of the investigation, therefore Synchrony needs to communicate with XXXX XXXX about it and not with me. Despite being informed of this, XXXX has harassed me with a constant stream of phone calls, emails, and paper letters. Not just coming from one place, but some from XXXX UT, some from XXXX TX, some from XXXX FL, some from XXXX XXXX FL, some from XXXX CT, and some from XXXX PA, despite this page https : //www.bankbranchlocator.com/synchrony-bank/ stating The bank does not have any offices outside Utah. Appears that theyve put debt collectors on the case to intimidate me, despite having informed them that this is out of my control. They also lowered my credit line right after I filed a complaint with CFPD, presumably as retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXXXXXX XXXX XXXXXXXX, and XXXX This has caused me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to Rushmore in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by Rushmore when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to Rushmore, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to Rushmores Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. Rushmore strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.
Product: Debt collection

On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.
Product: Credit card or prepaid card

Dear CFPB, I don't know what doors to knock anymore. Discover bank. They delete account from XXXX and XXXX, XXXX still keep it for some reason. Why I think they fail on investigation, I send them maybe 7 letters of each month showing that this account is not belongs to me, but it comes back verified as accurate, I request verification process which I can do by the Law, but again it comes back verified. I know you do have power and you guys can help me to remove the account under my responsibility. I will attach XXXX dispute result as a proof of that. XXXX I can not log in there are email which I don't recognize and phone number starting with XXXX  which I don't have Idea what is it. Please help me to get off this XXXX. Thank you.
Product: Credit card or prepaid card

I have never used XXXX software, but in XXXX of this year, my credit card was used by someone else on the XXXX website. So I reported the problem to the credit card company. But credit card companies are unwilling to deal with this problem. They think its not a fraud. They only ask me to pay back the money as soon as possible. I am very dissatisfied with the way and attitude of the credit card company in handling this matter.
Product: Checking or savings account

Chase bank after being informed that my mother died, Denied that there were funds in my mothers bank account after I presented them with a small estate affidavit. Two weeks later XXXX XXXX sent my mother a thank you note for a car that was supposed to have been repossessed. Chase refuses to answer the question, " If there was no money in the account how did XXXX XXXX receive an XXXX payment. I am tired of Chase Bank they have continually committed fraud on my mothers accounts. My mother made XXXX per year and was never granted a credit card or a line of credit. She had 6 accounts with Chase, I'll have to find all of the account numbers. 
Walker
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report. 

XXXX XXXX XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I requested validation of this debt. However, AFNI , INC has not properly validated per Texas Finance Code Section 392.202. This code equires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information AFNI only furnished a copy of invoices for XXXX, XXXX and XXXX 2014. In fact, I was no longer living in the location that was being billed by XXXX XXXX XXXX.
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 consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : TBOM/FORTIVA Account XXXX Account Name : THD/CBNA Account XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Student loan

I submitted a request for deferment based on economic hardship, under the impression that my current enrollment status was not relevant. My initial application was denied due to my income exceeding the allowable limit for economic hardship deferment. Subsequently, I realized that I could apply for deferment specifically because I am still a student. I promptly faxed a new request for in-school deferment, accompanied by the necessary enrollment verification. However, the following day, I received a notification that my new deferment request was also denied due to my income level, without any consideration given to the fact that I was applying for a different category of deferment. Additionally, it has been exceedingly challenging to contact Mohela to discuss these matters.
Product: Debt collection

On XX/XX/2019 I mailed a letter to Jefferson Capital which I will attach. I basically requested verification of my debt in order to take appropriate steps to address my debt. It has been over 30 days as of today XX/XX/XXXX and I have not received a written reply from them. I am requesting CFPB step in to get the ball moving with their response as I am attempting to work on improving my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate phone numbers I do not recognize on my credit report and would like them to be removed. These phone numbers belong to other consumers and I need them removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Investigation Details account ; XXXX XXXX # # XXXX Dear Equifax, I am writing to formally dispute the inaccurate information being reported on my credit report by XXXX XXXX. I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) XXXX on XX/XX/2024, and received notification on XX/XX/2024, that Equifax had completed the investigation. 

I am concerned about the thoroughness and accuracy of this investigation, given that it was completed in only four days. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, Equifax is required to 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 before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. 

I am holding Equifax accountable for not conducting a proper investigation and for continuing to report inaccurate late payments and an inaccurate loan balance, despite the proof I provided with my previous dispute. Equifax did not use my information to conduct a proper investigation. I demand that Equifax remove this inaccurate and inconsistent account from my credit report immediately. 

I request that Equifax provide a detailed explanation of how this investigation was conducted, including : The specific steps taken during the investigation. 
The entities or individuals Equifax contacted as part of the investigation. 
The criteria used to determine the accuracy of the information reported by XXXX XXXX. 
How Equifax was able to complete this investigation in such a short time frame. 
Despite the completion of this investigation, XXXX XXXX is still reporting an inaccurate balance and inaccurate late payments on my account. This continued reporting of incorrect information is causing significant harm to my credit score and financial well-being. 

By law, I am also requesting a statement of dispute to be included in my credit file, as per 15 U.S. Code 1681i ( b ), which mandates that a consumer reporting agency must include a statement of dispute in the consumers file if the reinvestigation does not resolve the dispute. The statement of dispute should read as follows : This account is currently under dispute due to inaccurate reporting of the loan balance and late payments. The consumer has provided proof to Equifax, which was not properly considered during the investigation. The consumer demands the removal of this inaccurate and inconsistent account from their credit report. 

If Equifax refuses to add a statement of dispute or remove the inaccurate account, I will seek legal action against Equifax. 

I urge Equifax to re-investigate this matter thoroughly and ensure that all inaccurate information is corrected or removed from my credit report. Please provide me with a written response detailing the actions taken to address this dispute. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I was talking to a man online. His name was XXXX XXXX out of AZ. He was o we seas and needed help. He offered to pay off my card if I would take a cash advance. He made the payment. It took time for it to clear. When it did I called XXXX different people at the card company telling them I felt this was a fraud payment. Telling them that I did not think it was from his account. Both times I was told that it was a secure payment and everything was fine. The second person allowed me to take the cash advance. 20 days later the payment was pulled back as a fraud payment. I have been to other government agencies turning him in. His phone and XXXX have shut him down for fraud. Because of the workers of XXXX I am now in debt this money. This card needs to be held accountable for not providing full details that the payment could be pulled back especially after I told them I felt this was a fraudulent pay off. I have a list of all dates, card numbers, where I had to send the moneyeverything.
Product: Debt collection

On XX/XX/XXXX I received a letter from Foursight Capital. They charge off debt on XX/XX/XXXX, but continue to access fees, interest, and finance charges. I have disputed the amounts with the credit bureaus which has led to no help. Reached out to Foursight and they state the amount is accurate. I believe this is illegal. They have reported inaccurate information to the credit bureaus which violates FCRA 623 but XXXX and XXXX refuse to delete the record. Again, the furnisher of information that is inaccurate to credit bureaus is allowed to violate FCRA 623 without recourse. Big game with XXXX and XXXX violating their ethical and legal obligation to adhere to the FCRA but yet they collude with the furnisher for greed.
Product: Debt collection

XX/XX/XXXX until as recently as XX/XX/XXXX He keeps calling saying I owe a medical bill that XXXX didn't pay from XXXX. I have never had XXXX insurance. I worked for the XXXX and have had and have currently XXXX XXXX XXXX XXXX XXXX He said it is for a small amount of {$110.00} but will settle for {$75.00}. There could be no way this is my bill because I have to show driver license and my insurance card to my doctor and they take a picture to keep on file. The number is XXXX Capital Link Management, He said if I don't pay they will report it to the credit bureau.
Product: Debt collection

received notice on my credit report from credit management lp about a debt for {$110.00} for a medical bill, never received a letter from this company nor any information concerning the debt. 
informed company that i have complete and full medical coverage via XXXX  and XXXX  insurance which would cover XXXX percent of any dr.visit, x ray or procedure etc. and that they should call them to discuss whatever debts are owed if any. 
dates of XXXX are in error i have not sought any medical attention during that time frame or encored any debt. 
they have refused to do so or address this they have refused to produce any information showing this is my debt and have not responded or notified me of said debt or proven debt is mine.
Product: Debt collection

The statue of limitations has expired on the debt in question XXXX it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff XXXX XXXX XXXX XXXX waited too long to bring this case XXXX laches ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  bankruptcyChapter XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account listed as XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting these charges be removed immediately.
Product: Checking or savings account

I opened bank of the west account with no overdraft coverage I was bait and switched I have been charged over XXXX in fees they refuse too help or refund.
Product: Mortgage

On XX/XX/2021, I submitted a payment to Statebridge ( STATEBRIDGE CO ONLINE PMT XXXX ) in the amount of XXXX. I also called and spoke to XXXX and informed him that I was starting to double up my payments. Moreover, the additional payment should be applied to the principal. He assured me that he would create a " task '' for another team to apply the payment to the principal. On XX/XX/2021, the payment appeared on my account on the Statebridge Company 's website. However, it was identified as an unapplied payment. I contacted Statebridge Company again and spoke with XXXX ( not sure on spelling ). She informed me that she confirmed XXXX 's data entry. But she could not provide any time frame that the amount would be correctly applied to the principal. It has been 5 business days since Statebridge Company acknowledged and recorded my additional payment in their system and has still failed to properly apply to the principal. 

Feeling extremely frustrated, I called again and requested a payoff amount. I was informed that I can not request a payoff amount over the phone. I must submit an email. I submitted an email on XX/XX/2021. I received an automating email asking for my account information, payoff date, etc. I responded with all the requested information. I have NOT received my payoff amount as requested. 

I am extremely concerned that when I do submit the final payment, that this company will again fail to properly credit my account. 

In looking for assistance, I looked for support from the XXXX. When researching this company, they have a D+ rating. 

I am confident that there must be many more complaints about Statebridge Company.. With so many complaints, I am not sure why the CFPB has not thoroughly investigated this company.
Product: Debt collection

Miss XXXX from Prince-Parker & Associates repeatedly called me over 10x per day. She also called my parents home, and work. Over a medical  bill that was less than {$300.00} dollars owed. She was sending correspondence to the incorrect address and demanded a current address. When I refused on the phone and asked her to stop calling, and calling relatives she became belligerent on the phone yelling and raising her voice. Again, this is for a bill in total less than {$300.00}. I asked to be transferred to someone else and I was able to pay the bill with someone calm on the line. She bullied me, raised her voice, and employed poor tactics and professionalism.
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. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX A Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction 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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I mark as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX