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

One main financial put add on, on my load they didn't want to remove it telling they would add a extra fees if I ever remove it plus I was paying more than what they ask for a month on my loan so I ask them were does that all that extra goes they said they would have return it in a check it never happened they charge me so much fees and lie to me about all those charges I had loan with them in XXXX and in this year XXXX I had to get a company call XXXX to help me with them so I hope this law suit can help me to recover some of my money back
Product: Credit card

On XXXX I called Synchrony Bank in regards to my Amazon XXXX  card. I received a letter stating the Payment i made was rejected. They cant provide me with the routing number that was entered or the account number that was entered. I can not log into the account and view this information either. Only options i have are to delete the payment method or add a new one. If 2 returned payments are made within a 12 month period Synchrony will close your credit account. I should be able to access and view the Bank Account information that I entered as a payment method. Synchrony Bank has prevented me from doing so. I can not verify what they are saying happened as i Can not see the information that was entered. I DO NOT BELIEVE A WORD THAT THEY TELL ME AS I CAN NOT VERIFY ANY OF THE INFORMATION. Any other reputable business sends one or two small deposits to your bank and requires you to verify the deposits that were made BEFORE you can use that bank information to make a payment. I CHECKED THE BANK INFORMATION 3 TIMES BEFORE I SUBMITTED IT AS A PAYMENT METHOD. IT WAS NOT INCORRECT. Synchrony is in the business of ruining peoples credit history plain and simple. They use a completely archaic website in order to LIE about what they are really up to. I ABSOLUTELY HATE THIS COMPANY WITH A PASSION. IF I COULD TRANSFER MY AMAZON XXXX CARD TO A PROPER BANK I WOULD DO SO. WHY IS THIS COMPANY EVEN ALLOWED TO DO BUSINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.
Product: Debt collection

Company keeps calling and harassing me claiming I owe them a debt i never had with them. i ask for proof of this debt, but never receive it. They are rude and belligerent. 

This company has had to settle lawsuits with attorney generals of various states.
Product: Vehicle loan or lease

I traded in my XXXX in XXXX-XXXX  and XXXX XXXX In XXXX XXXX didnt finalize my trade correctly it shows I owe a debt when my car was a trade in and my car was paid off. 
I have tried several times to call them over the years and I gave up. I know the importance of my credit and I need this removed This also has caused ( XXXX XXXX to stay on my account from XXXX  because of this error )
Product: Mortgage

New Complaint against Select Portfolio Servicing. We have received a response from XXXX XXXX XXXX XXXX regarding our complaint file # XXXX. A DISPUTE has been filed, and since XXXX XXXX XXXX XXXX has no record of us, or our loan, as to any trust, or by which XXXX XXXX XXXX XXXX has a record for security investors, and XXXX XXXX XXXX XXXX forwards us to the servicer - Select Portfolio Servicing ( SPS ), we hereby file a new complaint against SPS. 
While XXXX XXXX XXXX XXXX claims to be a trustee to certain XXXX trusts, XXXX XXXX XXXX XXXX can not, and does not, state that our loan was in any trust to which they were a trustee. XXXX XXXX XXXX XXXX can not, and does not, state that XXXX XXXX XXXX XXXX, as trustee for certificate holder investors, received payoff of our loan, for the benefit of investors, by us, in year XXXX, as evidenced by our mortgage payoff cancelled check. XXXX XXXX XXXX XXXX can not, and does not, provide a Mortgage Schedule for any trust, that XXXX XXXX XXXX XXXX claims to be a trustee for, by which our mortgage loan is included for cash pass-through to security investors. XXXX XXXX XXXX XXXX can not, and does not, provide any documents in their possession, either as trustee, or in any capacity, by which our mortgage loan is referenced. XXXX XXXX XXXX XXXX can not, and does not, provide a Power of Attorney for Select Portfolio Servicing ( SPS ), or any other entity, to act on their behalf. No Power of Attorney is attached to SPS assignment and discharge, recorded in our County, for SPS to act on behalf of XXXX XXXX XXXX XXXX, for such assignment and discharge recorded in our County Registrar 's Office. Such assignment was recorded in XXXX XXXX, without Power of Attorney from XXXX XXXX XXXX XXXX, by SPS, many years after actual payoff of loan by us - XX/XX/XXXX. XXXX XXXX XXXX Bank can not, and does not, state that any certificate holders/investors to any trust, by which they were trustee for, and, responsible to - by SEC filings for servicer compliance, received payoff of our mortgage payoff proceeds on XXXX XXXX, XXXX - as provided as paid by documents submitted by us. XXXX XXXX XXXX XXXX only refers us to SPS. Thus, it is up to SPS to respond as to what happened to our loan, and to our mortgage payments and payoff. At this, juncture, a referral to the Securities and Exchange Commission is warranted. The CFPB has informed that they do not refer to any other entity other than the Federal Trade Commission. Thus, we request that SPS respond to this complaint so that appropriate action may be undertaken. Not only is title to our home at stake, but, also, investors rights have been discarded, with payoff owed to them diverted, by both XXXX XXXX XXXX XXXX, and SPS. We would appreciate an immediate response. 
Thank you, XXXX and XXXX XXXX
Product: Debt collection

I received a fraud alert on my credit reports saying I have a derogatory alert. I went to my credit report and it showed a collection from a company I never applied which caused my score to decrease by XXXX points. The date is XX/XX/2023 in the amount of {$310.00} that is when it was put on my report.
Product: Debt collection

My wife and I worked with XXXX back in XX/XX/XXXX-XX/XX/XXXX to help us get rid of and negotiate some credit card debt. This was completed in early XX/XX/XXXX and we felt wonderful about it. Last week, we went to our bank looking into refinancing our house and one of the XXXX negotiated accounts is still showing up on our credit report showing we owe {$10000.00} when in fact we received documents that we graduated their course and all debts were settled. I 've been on the phone for hours today with XXXX and Chase Credit Card Services and have not had any satisfaction in getting this resolved and the debt removed from our credit statement. I ca n't afford a lawyer to fight this and hope that the Bureau of XXXX will able to make this right. Thank you for your help. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i disputed this account, I requested for this collection agency to validate the alleged debt, they failed to do so. They sent an itemization of charges which by law is not considered validation of debt. I asked for a proof such as the original contract and or my signature. The company failed to provide me with the requested information. The law 91-50 Title VI section 611, Subsection A-D clearly states if i request proof and or validation of alleged debt I'm entitled to obtain a copy of it, which was NOT provided by Portfolio Recovery Associates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Capital One Bank USA/Capital One , 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting description of the investigation In accordance with the fair credit reporting Act 15 USC 1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list accounts Below. 

XXXX XXXX XX/XX/XXXX This account is reporting inaccurate information, account type, payment history are reporting inaccurate indifference on each bureaus, XXXX XXXX XXXX is reporting inaccuracy of credit reporting each bureaus is reporting indifference information payment history, Experian business cred, XXXX, XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX Account is inaccurate/Ad. There is an acct reporting with no company name/any details at all but has a balance of {$870.00} open XXXX XXXX this is against the law to report. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX/ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX / XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX Addresses need to be removed are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, sc XXXX I just received my reinvestigation back. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 i ( 7 ) because the list accounts are not accurate. The open date, date last active, and date of last payments, the accounts are not 100 % accurate
Product: Credit card or prepaid card

XX/XX/17 ATM withdrawal. Did not receive funds. ATM made noise and did not dispurse funds. First withdrawal was the max {$400.00} that transaction was completed. The second withdrawal for {$160.00} was incomplete. No funds dispursed. A third test of a {$20.00} withdrawal to infer that the money was not stuck. That transaction was completed. I Did not receive the {$160.00} transaction only the transaction before and after. I have spoken with my card company. I can not get a supervisor no matter what I do. They just put you on hold. Nothing happens. They issued a temporary credit for {$160.00} now they have withdrawn the credit stating there was no atm error. Obviously there was an atm error I do n't have the {$160.00}. The company I use is a pay card * skylight * The company told me that they would send me an email within 48 hours of documentation of the outcome of my claim " atm withdrawal " however ; I have not received said information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial Inc, is reporting on my credit report file that I am late on payments which is Federally illegal to report also my right to privacy is violated. 

according to 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1681 section 602 States consumers have a right to privacy and they are not giving me any privacy by reporting my financial transactions to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- COLLECTION ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Mortgage

Due to the pandemic i Lost My job and asked the bank that owns the morgatge to help me.the help began around XXXX .they always told me that the amound would be put at the end of the loan .so i accepted because i could not pay and at the same time calm down because i always thought they would add it to the end of the loan.i was without paying My loan for around a year because My situacin was dificultd.as a result of COVID 19 And My Bad economy.it was not possible for me to pay for My house as before... Now they tell me that i owe an amount of almost XXXX dollars.and that i have to pay .i applyed for a partial claim but i had to pay almost XXXX for be accept it and i didnt have that amount. Now i applyed for a modifications but they Say they may not accept it.they lied to me.when they told me they could do it for me in the end.i can pay My loan but the normal monthly payments not that amount.i feel cheated and very worried.i don't want to lose My house.i need advice and help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, TransUnion and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian, continue to report inaccurate and false information on my credit report. They are violating the COVID 19 CARES ACT as well as FCRA LAWS. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The CARES ACT was in place to protect consumers against this.

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score. Furthermore, Section 611 of the FCRA requ
ires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX, XXXX, and XXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, XXXX, and XXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, XXXX, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, XXXX, and XXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX Insulation Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Mortgage

I called Mr. Cooper directly on XX/XX/XXXX & XXXX, XXXX for the new payoff letter. On XX/XX/XXXX, I called from my bank to inform the customer service representative of the domestic wire transfer request for {$1600.00} being sent to payoff my mortgage account. ( see attached bank wire transfer with the date shown XX/XX/XXXX ). Upon several phone calls and online bank messages ( dating from XX/XX/XXXX through XX/XX/XXXX ) and the evidence from the domestic wire transfer request to Mr. Cooper, indicating that I made the payoff before 30 days past due, my three credit reports ( XXXX XXXX ; XXXX ; XXXX ) reflects XX/XX/XXXX day past due on my Mr. Cooper account. I have disputed this with the three credit reporting agencies on numerous occasions. I have not made any 30 day past due payments with Mr. Cooper and have had my account in good standings. The payoff was also made on XX/XX/XXXX and not 30 days past due. I have requested this credit reporting error be corrected, however ; I receive the same generic letter from Mr. Cooper that the payoff was received on XX/XX/XXXX. My evidence and date shown on the domestic wire transfer is proof of the XX/XX/XXXX date and a comment on the domestic wire transfer to Mr. Cooper & XXXX XXXX XXXXXXXX XXXX XXXX 

Please follow up with a manager from Mr. Cooper/XXXX XXXX XXXX XXXX to correct my credit reporting bureaus with no 30 day past due. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX  responded by sending me a letter dated XX/XX/XXXX
The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX  are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, TransUnion, and XXXX accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my TransUnion and XXXX credit reports. XXXX  is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.
Product: Debt collection

Midland Credit Management sent me a letter threatening legal action against me and wage garnishment for the amount of {$3500.00} which I never received a validation letter from them. XX/XX/2020
Product: Mortgage

I called in today XX/XX/2022 to check on my personal information on my account. After I had entered in my loan number and last our I received a recording that the Creditor had reported a late on my XX/XX/XXXX payment that was not actually late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, XXXX and TransUnion, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.
Product: Bank account or service

I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. 

As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX inaccurate late payment I am disputing the delinquency reported by Flagship Credit due to covid my job closed down I reach out to them for assistance according to the Cares act during the Covid 19 if you get relief assistance from your creditor they are not to report late payments only report active accounts they reported me 30 days late they did not notify me of this I think this unfair and without warrant do the pandemic this shut down was not my fault I ask that this late report be removed from my credit report.