23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is an official complaint that the credit information you are reporting is wrong and missing parts.

Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act says that you must physically check any signed customer contracts before putting them on a credit report. This is for all accounts that you put on a credit report. If not, anyone who pays you for your reporting services could send in a fake account by fax, mail, or email.
Product: Credit card or prepaid card

Without notice, and a perfect payment record, Synchrony bank closed all the accounts that were in good standing. Including Paypal Credit, XXXX  Mastercard, Amazon Prime, HSN, Old Navy. I have never missed a payment, worked hard to make more than the minimum payments, and kept the balances low. My bank can provide proff of on time and ample payments. I have increased my use of the cards in the past 6 weeks, due to needing things for a new home, but never exceeded my limit, and again, I made on time, more than minumum payments. I tried to question Synchrony, and they had no answer. 

Its a shame that hard working credit worthy people who work hard to pay their bills, get treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry fromXXXX on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.XXXX.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry
Product: Credit card or prepaid card

I have an old Capital One card i never used. 
I received the XXXX  XXXX  monthly statement with a {$39.00} annual fee and promptly called to cancel my account ( see attached ). 
I shredded the card thinking everything was good to go. 

I just checked my credit and they have been adding late fees and reporting to the credit bureaus 30, 60, and 90 days late! 

The balance has now grown to {$150.00} with added late fees on an annual fee! 

Most importantly, I have received ZERO communication from Capital One for the past 5 months advising of a delinquent account. To my knowledge, this is a blatant violation of the FCRA along with other banking regulations. My wife- XXXX XXXX- is an authorized user on this account and her FICO has also been significantly impacted by this issue as well. 

I have contacted customer service requesting escalation of the issue as the agent who answered was clueless with regards to credit reporting and the damaged incurred by their blatant mismanagement of this situation.
Product: Debt collection

I have notice a debt being reported to my credit as of XX/XX/year>. I have never done business with sunrise credit. This account is inaccurately reporting to the credit bureaus trying to collect a debt not legally owed to them. I have submitted a formal complaint with the bureaus as well as the FTC. aw 15.u.s.c 6802 ( b ). The law says the financial institution must provide three warnings that this was being placed on my credit report. I am asking that this consumer provide proof of all three warnings sent to me before placing this on my report. I have not supplied proof under the doctrine of Estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I present that proof of the alleged debt not therefore any such debt in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

I received an installment loan of {$2600.00}, I made payments of around {$280.00} every 2 weeks. I recall all of the payment amount going to ONLY the interest. I paid on time for about 8 or 9 months, totaling to a little over {$5000.00}. I could no longer afford the payments with their predatory interest rates. I defaulted eventually. So I called to try to settle the account and they did not accept my settlement offer, and wanted 50 % of the balance that is now over {$4000.00}. I believe they are a predatory lender with their ridiculously high interests rates. As, I've already paid double what they lent me.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : 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
Product: Payday loan, title loan, personal loan, or advance loan

We where scammed by them they deposited funds into our bank account but buy fraudulent checks and got our bank account locked
Product: Credit reporting or other personal consumer reports

Ive sent dispute letters to XXXX XXXX TransUnion to remove certain info off my report. This was done in 2023 and I believe all of the incorrect addresses and name are on the reports.
Product: Credit card

Opened a credit card account with Barclays Gold Card account. I am in the XXXX and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX service. 

Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX prior to the opening of the account. This is false as Barclays knew my XXXX start date proceeded the account origination date as evidenced by the attached letters. 

The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. 

I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report i see that there are a lot of fraud account names address and inquiries that i did not do. I am a victim of identity theft. I have tried calling chex systems to no look. I have been told that they do not have a fraud department and that i would have to do a dispute online. I am currently looking at my report now and there are phone numbers, inquiries, emails, addresses and other on my report. At this point i am seeking compensation of {$1000.00} and for the fraudulent information to be completely removed and to not be put back on my report. I have also tried to work with all the creditor who pulled my chex systems to no success. I also called the credit union that is reporting on me to have them removed this false information to no success.
Product: Payday loan, title loan, or personal loan

This company is very misleading and inconsistent between representatives. I spoke with representative # 1 in XXXX- beginning of XXXX to make a plan to get my account current. At that time my account was delinquent with a XXXX XXXX XXXX which included XXXX bill of XXXX. On XXXX XXXX I made a {$500.00} payment and the on XXXX XXXX I make a {$500.00} payment bringing the account up to date and current. On BOTH the company website and the App my account reflected CURRENT. On XXXX XXXX my account is now reflecting 3 days past due for XXXX ( which now is accruing interest ). I spoke with a representative # 2 who claimed that I actually owed XXXX which was not reflecting ANYWHERE on the payment DUE on both the App and the Website. The representative # 1 that I spoke with making this plan early Mar/Apr said that what I saw as the payment DUE which at that time was XXXX was what I needed to pay to make my account current. At this time my account is PAST DUE with a balance of XXXX and I have no clue where this balance came from. XXXX has been paid and the account has been current as I stated. Representative # 2 claims that I was supposed to get the balance of XXXX from my statement to be current, but if that were true BOTH the App and the website would have reflected that balance as well, but it did NOT show that balance. This company is VERY misleading and predatory with extremely high interest.
Product: Student loan

My father took out a parent loan while I was in college. He used the money for himself. I took out my own federal student loans and am in repayment. He has defaulted on the loan he took out and Navient has started contacting me to pay. I've told them I never took out a loan as a joint lender or agreed to the loan. On multiple occasions they encouraged my father to go into forbearance multiple times instead of working on a payment plan causing the amount owed to increase. There actions seem predatory. I would like my name removed from the loan as I didn't consent to it and didn't benefit from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX disputes and none of the false account on my credit report have beeen removed ... ....
Product: Checking or savings account

XXXXXXXX XXXX XXXXpaypalXXXXPayPalXXXX Paypal does not make it possible to make a payment to any of the Special Financing Purchases which have very high interest rates. You have to call their customer service phone and ask a person outside the USA who does not always understand to allocate a payment that you have made and wait to see if they get it right. 

There should be clear instructions on how to pay for these Special Purchases and one should also be able to do so online like all other payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are as follows : 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: Credit reporting or other personal consumer reports

I am filing this complaint to address Equifax 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit ( Complaint # XXXX ), and filing prior CFPB complaints ( # XXXX submitted on XX/XX/XXXX ), Equifax reinstated fraudulent accounts without providing a valid reason. 

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft, as evidenced by my submitted FTC Criminal Complaint.

I am also reporting the failure to remove two fraudulent student loan accounts from my credit report, despite submitting a valid FTC Identity Theft Affidavit and all required supporting documents. These accounts were fraudulently opened at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX. 

In XXXX, I submitted my FTC affidavit disputing these accounts and provided all necessary documentation to have the items blocked and removed in accordance with FCRA Section 605B. However, despite compliance with the legal requirements, these fraudulent accounts remain on my credit report. I have spoken with several supervisors who informed me that the accounts could not be removed due to an internal " policy '' that conflicts with the procedures mandated by law under FCRA Section 605B. This policy does not align with the federal protections afforded to victims of identity theft and has caused significant harm and frustration. 

I demand the immediate removal of all fraudulent items within four days of receipt of this complaint to ensure compliance with federal regulations.
Product: Debt collection

I had a eye procedure done at XXXX XXXX XXXX, i was told {$5000.00} covers every thing including follow up visits to see how the eys are healing however the Doc office charged me {$180.00} for each follow up visit which was agreed that the procedure include all and later they sent to debit collection agency.
Product: Credit reporting or other personal consumer reports

Questioned the reported items. 

XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  Requested statement & notices from 1637 B proof. Reported payment failure to be delivered 21 days or less before the payment due date. Without this presented documentation the specific conditions of the reported late payment is inaccurate & I demand it be removed. 

Equal credit opportunity act ; 15 U.S.C. 1637 ( B ) 15 U.S. Code 1666b 15 USC 1681n :
Product: Mortgage

My mortgage is through PNC Bank. I received a delinquent real estate tax bill on XX/XX/XXXXfor total of {$590.00}. The taxes were dueXX/XX/XXXX for the amount of {$540.00} I contacted PNC Bank and found out they used a company called XXXX to pay {$2600.00} from my escrow account to pay taxes on XX/XX/XXXX. I immediately contacted the Treasurers office and found out that my escrow money in the amount of {$2600.00} was used to pay another persons real estate taxes. OnXX/XX/XXXX the treasurer refunded {$2600.00} to XXXX due to XXXX requesting a refund. That money was never placed back into my escrow account.

I found out that XXXX made a payment on my taxes on XX/XX/XXXX in the amount of {$540.00} ( which was the correct amount ). On XX/XX/XXXX XXXX  requested a refund of the {$540.00}. The treasurers office refunded it and that made my taxes delinquent. On XX/XX/XXXX payments of {$560.00} and {$23.00} were received from PNC Mortgage to pay my delinquent taxes. As a result of these errors, my escrow account and my account with PNC Mortgage is totally incorrect. I have talked to PNC and they told me that it was fine because my taxes were paid. They tried to tell me that the {$2600.00} was not taken out of my escrow in XX/XX/XXXXthen I told them that it was because I can clearly see it online. They went on to agree that it was taken out and would have to be researched. I asked to speak with Corporate, but was told by 3 people that they do not have a number for Corporate at PNC. Im now very worried that I will never get back my escrow money or the extra interest and fees that I had to pay for a delinquent real estate taxes.
Product: Mortgage

I have a Mortgage with Selene Finance from XXXX, TX and I'm having problems with them as they won't payoff my Mortgage from a Certified Check I sent them on XX/XX/2018. All I get from them is a 30 day wait letter ( I have many ). Please check all the documents that I have attached concerning this problem and help correct this error from Selene Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

report on XXXX that certain addresses on file or Un arcuate.
Product: Checking or savings account

XXXX charged my debit card two charges of {$73.00} on XX/XX/2020. I called my bank they said they would investigate and gave me a provisional credit. I also called XXXX  who acknowledged the charges were not vaild and said they would refund the monies. I received a refund for one of the charges on XX/XX/2020. I called XXXX and they said they had submitted and gotten an approval for both of the charges and assured me it was done. I have not received a refund for the second charge and I have been in communication with XXXX who states they are refunding the other charge. 

Meanwhile my bank reversed one of the provisional credits when one of the refunds came through. then the bank sent a letter on XX/XX/XXXX stating that it had investigated and determined there was no error so they reversed the second provisional credit. Throughout it all daily I have been in contact with XXXX  who last stated ( Monday  XX/XX/XXXX ) that I should have my credit by Wednesday  XX/XX/XXXX. It is Friday XX/XX/XXXX and I still have not received my refund. 

My checking account is in the negative. I have been charged overdrafts fees and I will continue to receive overdraft fees because of this error. My bank SunTrust lied and said they did an investigation. If they had spoken to XXXX on my behalf. They would not have reversed the provisional credit, in fact they would most likely have ensured XXXX refunded my money in a timely manner or simply reversed the charge themselves. 

I feel there is no excuse for the incompetence XXXX has shown in charging my account and in its ability to correct the error in a timely manner. 

I feel there is no excuse for SunTrust in failing to investigate the error and have it corrected in a timely manner. I can only assume that because it is a small amount and I don't have millions in my bank that they simply do not care.
Product: Debt collection

I received a statement that I owe {$55.00}. I am not responsible for this debt. It does not belong to me. 

I can't find this company as being bonded to collect in the state of Texas.
Product: Mortgage

In XX/XX/XXXX I started a loan modification ( FHA HAMP ) with Bank of America, this lasted 5 years and more than 15 different loan modification papers sent to my house for me to sign and notarized. My original loan amount was {$220000.00} at 5.25 %, when the original set of document were signed my balance was {$210000.00} under the modification {$48000.00} was put in a Subordinate Note. the interest stayed the same and my loan was extended back to 361 term ( it was at 331 ). Present day, I am trying to do a refi cash out to make improvements to my townhome, during the process we have found that BOA said I had 2 loan mods, which shows as liens on my property one for XXXX and one for XXXX they also stayed that I was late in my paper work ( at the time I did not noticed that in the 15 different packages the sent me ), I never missed a payment or was late at any time with them. 
the fact that it took them 5 years to do a loan modification, now in XX/XX/XXXX my loan is jumping back to {$200000.00} ( with the {$48000.00} added back to the loan, present balance with XXXX is {$150000.00} ) which also means that in 10 years I have only paid XXXX off this loan makes me feel like I was taken for a ride by BOA. I would like a certified letter that shows the {$51000.00} lien/debt gone and any explanation of what happened and why my loan $ is still so high. 
I have requested a timeline copy of all my payments made to BOA. 
thank you in advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My very private and crucial information, such as SSN, Date of Birth, Full Name, Addresses, Credit Card information were stolen and are now floating around somewhere as public information. This causes an unending sense of insecurity and worry due to constant possible identity theft, money stolen, etc. Heavy mental stressed placed on me due to the breach of my security and identity.
Product: Credit reporting or other personal consumer reports

I have these hard credit pulls that I did not authorized in my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS XXXX XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Debt collection

I send in a letter dispute the validity of the and cease and desist on XXXX and the company has no responded back
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.