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

Dear Sir/Madam, I purchased a brand-new 2020  Honda XXXX  from Honda of XXXX on XX/XX/2020 and I am currently financing through XXXX XXXX XXXX Upon checking my XXXX  credit report ; I discovered that on XX/XX/2020, there were 4-different HARD INQUIRIES made by 4-different auto financial companies which I did not authorize Honda of XXXX  to proceed with. The following are the companies that appear to have made the hard inquiry according to XXXX : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. AMERICAN HONDA 4. XXXX XXXX I would appreciate your prompt response in addressing this discrepancy that Honda of Chantilly made under my name. 

Best regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

This is with Carecredit. 

I had XXXX done and had my balance of about {$4000.00} on a Carecredit card. I signed up for autopay as I assumed the amount each month would hopefully pay off the balance by end of promotion period. Because I had this on autopay, I have no need over the months to really necessarily look at my statement. 

It wasn't until XXXX of this month I received a text message that I would receive a warning that I would incur interest on my next payment. So I logged into Synchrony.com and saw that in XXXX I incurred a ~ {$2100.00} interest plus about {$90.00} interest on XXXX, XXXX, and XXXX. For a total of about {$2500.00} interest on top of the {$4000.00} XXXX  XXXX I owed. 

I tried called multiple times for forgiveness to remove or reduce the interest but I was denied. 

I never received any kind of notification from Carecredit or Synchrony any warnings that I would incur a {$2100.00} interest. No text or email warnings. Just emails regarding my statements. 

I think Synchrony takes advantage of people like me because they know people can just be lazy and set the monthly autopay to " minimum payment ''. Then by doing so, people will never really necessarily look at their statements each month because they think their autopay will satisfy every month. 

If Synchrony really wanted people not to pay the big interest, then they would have done everything they can to warn people out of their complacency that they would be hit with a big interest payment soon. Making people look at statements is not good enough. Most people are too busy with their lives and don't always need to look at statements with autopay turned on. They don't really quite make any effort to reach out to warn me. They want to silently let people 's minimum monthly payments to go through and then be hit with a high interest suddenly and silently.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX  XXXX {$550.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.
Product: Student loan

On XX/XX/year> I submitted a PDF application to Mohela to change my payment plan from XXXX to XXXX. The application disappeared from the portal after a day or XXXX and I never got any correspondence. I understand they were not processing IDR requests at that time, but I had hoped it would be processed once things opened up again. 

On XX/XX/year> I submitted an online application to change my payment plan from XXXX to XXXX through the XXXX website. This was after XXXX announced that IDR applications were open again and encouraged people to do so. 

On XX/XX/year>, XXXX 's website updated that my application had been forwarded to Mohela for processing. 

I have not heard from Mohela. My application for XXXX has not been processed. It has been more than XXXX XXXX and we are nearing on XXXX XXXX  since my second application was submitted online. According to XXXX, " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to XXXX XXXX Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and XXXX forgiveness. If the borrowers application is not processed by their servicer within XXXX XXXX the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' I have NOT been placed into this qualifying forbearance, but I should have been. 

On XX/XX/year>, I submitted a case/complaint through the XXXX website, outlining the above. I also submitted a contact/query through Mohela for the same reason. 

On XX/XX/year>, I got a reply from Mohela asking that I call. I attempted to call twice. Both times the automated system told me that the wait time was well over XXXX XXXX, and I've been unable to wait on the phone due to having a job. 

On XX/XX/year>, XXXX replied to my case via email, stating that they were closing my case and no action was being taken. They summarized the court-ordered stay on XXXX XXXX and that I was in a forbearance, both facts which I obviously already knew. It included outdated information, such as IDR applications not being available online ( which changed in late XXXX, when I submitted my digital/online application ). They stated that my options included doing Buyback or switching to another repayment plan ( which is incredibly unhelpful advise, considering that's what I attempted to do and was complaining about ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, Transunion, & XXXX   about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Lexis Nexis which was received on XX/XX/XXXX ( See Certified Receipt ). In the letter, I disputed a bankruptcy record which according to both XXXX and XXXX, Lexis Nexis is furnishing this record and certifying it's legitimacy. A dispute for " validation '' and " completeness and accuracy '' was submitted and received by Lexis Nexis back in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX notified me that the record was removed in accordance with 15 USC 1681. The case # for this matter is XXXX and the letter is attached to this dispute. The record in question is US Bankruptcy Court # XXXX. As of today XX/XX/XXXX, Lexis Nexis has not responded to my dispute and has continued to report this record to both XXXX and XXXX. Lexis Nexis has violated 15 USC 1681i and is required by law to remove this record.
Product: Credit card

Someone opened a best buy credit card and charged XXXX dollars to the account. I never opened the account and have not used best buy in over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/XXXX I went to https : //www.equifaxsecurity2017.com/ after hearing about the Equifax hack that happened a month ago. There are reports now that just by checking, I was not only auto-enrolled in their service despite the website indicating I would manually enroll at a later date, but I also waived my right to sue in court if I am affected by the hack. The class action waiver was hidden in the terms of use and not made clear. Additionally, the website did not provide me information regarding whether or not I was impacted by the hack. I was only given a date on which I should manually enroll. I believe that Equifax is n't taking the situation seriously, and is attempting to avoid a class action lawsuit by tricking consumers into agreeing to arbitration only under the guise of caring about our personal information.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.
Product: Debt collection

First, XXXX XXXX XXXX XXXX. failed to adhere to the CFPB 's policy in regards to responding to a complaint within the first 15 days which the CFPB noted which a copy of this is attached. Secondly, XXXX XXXX XXXX XXXX. attached a copy of a letter they " supposedly '' sent to me. This letter was not once received by me. It would not surprise me if they made up a date on a letterhead to cover themselves from failing to contact me as they were required to do. Third, Synchrony Bank clearly states that the account was " CHARGED OFF '' ( see letter " Letter from Synchrony Bank stating account charged off '' ). By charging the account off, Synchrony would NO LONGER BE RESPONSIBLE FOR IT AND FORFEITS THEIR RIGHTS TO TAKE PART IN A LAWSUIT. Therefore, XXXX XXXX XXXX XXXX CAN NOT sue me on behalf of someone who was " charged off '' my account. I also do not appreciate that XXXX XXXX XXXX response attached below, referencing that I ever acknowledged that Synchrony is being represented on their behalf. AGAIN, Synchrony stated the matter was charged off therefore they are not involved with the matter. Thats facts! Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which were never responded to. I asked XXXX XXXX XXXX XXXX to contact me regarding their lawsuit because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even when they were XXXX XXXX  XXXX XXXX - See XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX ( XXXX.N.Y. XXXX ) - See XXXX v XXXX XXXX XXXX , XXXX, XXXX Dist Ct, XXXX NY, case No. XXXX These are just 2 of the thousands of cases filed against this agency 5th -Your threats to continue to pursue lawsuits to me must be addressed. Just because I filed, and will continue to file complaints with the CFPB and other jurisdictions does NOT give you the right to take retaliatory measures against me. As seen in the attached document ( XXXX XXXX XXXX Threats ), I was threatened with further lawsuits because they are claiming I filed too many complaints and that they are " Frivolous ''. To state they have no value is not their decision as its my RIGHT to send as many complaints as needed to stop companies like you from bullying people like myself. XXXX XXXX XXXX XXXX. has stated many lies, are deceptive, and bully people, all of which while they can not adhere to the CFPB 's guidelines. They had to change their name from XXXX XXXX XXXX XXXX because they were sued and found guilty of so many different violations regarding consumers rights. This company has and continues to fail at doing things the right way and I am sick and tired of it. Something needs to be done to keep failing companies like this from abusing people by not following the correct protocols such as the ones I listed above. For them to threaten me for reporting violations they continue to make by stating they will peruse further action due to my " Frivolous '' and multiple complaints is ILLEGAL, uncalled for, and NEEDS TO BE ADDRESSED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

1. On XX/XX/2021 I sent money via XXXX from my Citibank account, via online from my computer at home. The amount that I wrote to send was {$25.00}, but I noticed that in the next step before accepting and sending, the amount that appeared on the screen was {$2500.00}. I canceled that operation and did it again. I wrote {$25.00} again, and {$2500.00} came up again ; at that moment I decided to correct it to {$25.00} and before accepting I made sure that what appeared on the screen was {$25.00} and indeed, on the screen I could read " send {$25.00} ''. 
2. Once I applied accept, the next Citi online screen showed the proof of the operation in process for {$2500.00} " pending operation '', sent to XXXX email provided by the person to whom I wanted to send {$25.00}. 
3. Almost inmediately I spoke with a Citibank representative ( Mr. XXXX ) and explained what happened so that the operation could be canceled. That Citi representative took the data and informed me that he registered the case XXXX. 
4. After that I made several calls in which I always pointed out to Citi agents that the problem was due to a failure in Citibank 's online system. This was never rejected or commented on by them. 
5. It was only until XX/XX/XXXX that, through a telephone call, I learned that Claim XXXX was closed by Citi because they did not have enough information. There was no formal communication from Citi about that. 
6. Due to that information in that same call I made a new claim, which was registered XXXX dated XX/XX/2021, I recounted what happened and indicated that I correctly entered " send {$25.00} '' for the second time and the banking system failed and shipped $ XXXX.The Client Service agent Mr. XXXX who received the claim informed me that a new investigation was being initiated and he wrote : a provisional credit decision will be made within 10 business days. Your request has been submitted. 
7. Indeed, on XX/XX/XXXX, Citi made a credit to my account for {$2400.00}, but later they sent me another communication ( XX/XX/XXXX ), in which they informed me that their investigation has ended and they conclude that I misspelled the amount sent for which, they are not responsible. Consequently, they deducted {$2400.00} amount that they previously paid " as a credit '' ( I have never asked for any amount in credit ). 
8. My complaint is that my testimony, apparently, was not taken into account in the conclusion reached by Citibank. I did not write wrong, I made sure that before accepting, what I wanted to send was written correctly, {$25.00}. I pointed out several times that it was a failure of the bank 's system, repeated and therefore, that Citibank decision hurts me enormously, they are My savings. It is not the right thing or fair that due to a failure of the bank 's online system they take that amount of money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

Equifax also failed to respond to the letter sent XX/XX/XXXX so along with the dispute letter for XX/XX/XXXX I sent a nonresponse letter to Equifax. 

The account has not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a payment history of our closed mortgage account from Shebllpoint Mortgage Servicing. After an very long investigation, we found out that Shellpoint is reporting very different data to the three credit bureaus. For XXXX the data has been changing still after the closing of the account. It is only reporting seven of the seventeen payments that were made. This is separate from reporting the accounts monthly status as good. The account balances to the credit bureaus are not accurate from month to month. The balances are higher than when the loan transferred to them in XXXX of XXXX. At that time the balance was {$190000.00} and after a total of 17 consecutive payments starting from XX/XX/XXXX through XX/XX/XXXX, the monthly balances reported to the credit bureau 's have been higher than what is reported on the monthly statements. We have disputed this before, but they refuse to correct the wrong data. The main one is the XXXX account. The Annual Credit reports shows that out of the seventeen consecutive payments made, Shellpoint only reported seven ( 7 ) of those seventeen payments that were paid on time XXXX. This action greatly affects the credit score outcome as well as balance history, in that it makes the account report that the balance has not decreased over time. The shellpoint account is being used to cripple our credit reporting. We have documented that for the research that was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just turned XXXX so I wanted to sign up for Credit Karma for a credit report. It told me my personal information was wrong even though everything was right. So then I tried XXXX and even the free annual credit report and all say my personal information is wrong. I don't know what's wrong or how to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against XXXX, XXXX, and Equifax. These companies are reporting false information on my credit report and those accounts need to be removed NOW. I sent a letter to all three credit bureaus with proof that they are reporting incorrect accounts on my report. They have not done a thorough investigation! While reviewing my report I am still seeing this FALSE information being reported. I've attached a letter from the Bankruptcy XXXX advising that they do not share information regarding Bankruptcy and XXXX XXXX is not reporting a Bankruptcy! So how is this information accurate? Your companies is illegally breaching consumers information! DELETE these accounts now as they are not accurate nor verified! 

+In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX 
Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX DIST CT Account XXXX Account name : XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX 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 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Are you familiar with the 15 U.S.C Sec. 1681i ( a )? Ive learned that if you cant provide proof, these accounts must be deleted.

They also violated my rights numerous times!

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.