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

BRIDGECREST ACCEPTANCE TOOK ME INTO A PROCESS CALLED " REBUILD '' THREE TIMES SINCE I ACQUIRED MY XXXX XXXX XXXX IN A TRADE IN XX/XX/XXXX. SINCE THEN, MY CAR 'S ACCOUNT NUMBER CHANGED/ WAS CHANGED 3 TIMES. AND IN THE PROCESS THEY FAILED TO REPORT MY PAYMENTS TO XXXX AND XXXX PARTICULARLY. THEIR FAILURE TO REPORT THOSE PAYMENTS CONSISTENTLY IN THE LAST 2 YEARS, HAS MESSED WITH MY CREDIT-WHERE IT WOULD HAVE HELPED INCREASED MY SCORE, FOR INSTANCE, IT DID NOT. MY CREDIT TOOK A TOLL. 

IVE BEEN PAYING {$480.00} FOR TWO YEARS. I MISSED OR WAS LATE WITH BUT ONE PAYMENT. 

PLEASE CONVINCE THIS COMPANY TO MEET THEIR OBLIGATION TO REPORT TO THE BUREAUS EFFECTIVELY. AND ALSO DISSUADE THEM FROM PRACTICES SUCH AS THOSE REBUILDS THEY HAVE INCONVENIENCED ME MAJORLY WITH ( 3 TIMES - XXXX # ACCOUNT NUMBERS, AND TWO COLLECTION CALLS AT ONE POINT, FOR 2 DIFFERENT ACCOUNTS FOR THE SAME PERSON ( ME ). 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$13000.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$6100.00} Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I am in the process of refinancing my home. I was informed that because of a bad Transunion Credit report that the interest rate that I would qualify for would be {$100.00} higher per month than at the rate I was quoted using my credit scores from XXXX and XXXX. Over the life of the loan that amounts to over {$35000.00}. It also means that I can't qualify for a larger amount because my debt to income ratio would increase. The collection agency that is listed in Transunion 's adverse information section has no records in my name or any other corroborating information about the account that Transunion claims I am responsible for that are in collections. Neither of the other credit reporting agencies has a record of the collection or adverse information in their reports. Transunion is unable or unwilling to disclose where the information about the collection came from or how it is associated with my credit report.
Product: Credit card

I am writing to bring to your immediate attention a serious issue regarding the unethical conduct of Avant. Approximately XXXX years ago, my card was fraudulently used with Avant, and I promptly took action by disputing the claim and submitting all necessary documentation, including police reports and identity theft information. 

However, to my shock and dismay, I have now been informed that I will be unable to apply for another loan unless I rescind the fraudulent claim and falsely state that I lied. Such a demand is not only unjust but also morally reprehensible. It is clear that Avant is prioritizing their own interests over the well-being and rights of their customers. 

I must stress that I refuse to compromise my integrity by making a false statement against my own best interests. I find it deeply troubling that Avant would engage in such underhanded tactics and place the burden of their fraudulent activities on innocent customers. 

I am left with no choice but to consider taking legal action against Avant for their deplorable behavior. This situation is a clear violation of my rights as a consumer, and I will not stand idly by while my honesty and decency are called into question. 

I demand an immediate and satisfactory resolution to this matter. I expect Avant to rectify this situation promptly, acknowledge their wrongdoing, and ensure that no other customer is subjected to such deceitful practices. 

I look forward to your prompt response and a resolution that upholds the principles of honesty and fairness. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a victim of identity theft, and someone impersonated me and financed a motorcycle without my permission. This loan account was reported to TransUnion, and TransUnion refused to remove this account from my credit report although police report and FTC ID theft report were all provided to the agency.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actually real human to read this complaint. I'm invoicing TransUnion in reference to the Inquiries removed that were violating my consumer rights. I appreciate the removals. I just want a {$1000.00} per Inquiry removed per 15 USC 1681n. I'll have proof attached of the Inquries that were removed and also an invoice. If we can't resolve this issue, then I will take my evidence and violations of the law committed by your company to Arbitration
Product: Mortgage

My mortgage loan was recently transferred from Rushmore Loan Management Services to XXXX XXXX XXXX. I noticed a - {$110.00} escrow balance. This is an error. There should be no balance ( {$0.00} dollars ) I paid my homeowners insurance in full on XX/XX/XXXX and have had the same homeowners insurance for the past three years that i paid in full each year. I always paid in time. Thus, there shouldnt be any escrow balances. I have copies of my homeowners policies that date back to 2017 with no gaps that i can provide for you. 

This amount is erroneous and false and needs to be removed from account or they have to refund me {$180.00}. I attempted to contact rushmore loan services and they said because my account was transferred and this they can not help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE : XX/XX/ this is my second dispute WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE RECEIVED XX/XX/? 

WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a serious concern regarding the accuracy of my TRANSUNION credit report, as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My recent investigation of the TRANSUNION credit report has revealed significant inaccuracies and incomplete information on the following accounts, and I must insist that these matters be rectified promptly : 1. XXXXXXXX XXXX XXXX XXXX Account Number : # XXXX - Reporting an " unknown marking '' in XX/XX/, which appears to be an incomplete entry. 
- Reporting a Past Due amount of {$23000.00}, inconsistent with the high balance of {$22000.00}.

- Reporting an original charged-off amount of {$21000.00} while indicating a Past Due balance of {$23000.00}.

- Reporting a balance of {$23000.00} on a charged-off account, which is contradictory. 

If you are unable to correct or verify this account, I insist on its immediate deletion from my TRANSUNION credit report. 

2. XXXXXXXX XXXX XXXX XXXX Account Number : # XXXX - Reporting an " unknown entry '' in XX/XX/, suggesting a lack of proper or correct information. 
- Reporting an " X '' on my consumer report in XX/XX/, which, according to your Rating Key, indicates an " unknown '' entry.
Product: Debt collection

Let it be known that I XXXX XXXX am acting on my own behalf. On XX/XX/XXXX, I XXXX Accounts Receivable Technologies illegally reported a negative collection account on my consumer reports in the amount of {$2800.00}. I have never willingly entered into a contractual agreement, spoken to, or done any business whatsoever with Accounts Receivable Technologies. 

On XX/XX/XXXX the CFPB 's new debt collection rule became effective stating that The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. Accounts Receivable Technologies disrupted my workday with phone calls as well as advised me that the collections will be negatively reported to my consumer report if not paid in full within their timeframe.
Product: Prepaid card

XXXX XXXX XXXX opened a joint NetSpend all access account without my consent and had my Georgia unemployment checks sent to this account. I contacted NetSpend and was told that they would close the account and return my money back to the sender but they never received the money. This was in XXXX of 2020. I am now being told that they closed the account and sent the money to the IRS but the IRS said they did not. I paid the taxes on this money and want my money. One check was for XXXX dollars and one for XXXX XXXX and some change. This is ridiculous and I want my money. How can you let someone do this without my consent.
Product: Mortgage

I want to know and have in writing what bank bought my home and paid off XXXX  XXXX XXXX? this is not violating the CCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a credit union, XXXX XXXX to apply for a savings account and was not informed that I my credit report was being pulled for consideration to open the account, causing a hard pull and decrease of my credit score.
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 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, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove account which I listed in Identity Theft. Please remove this account as soon as you can, because it ruin credit history
Product: Credit card or prepaid card

A payment was missed and I ij informed Synchrony bank that I would pay the full amount due before the next due date. They have continually called since then, 3 to 4 times a day.
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 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Due to being displaced from our previous home due to owner selling, we were temporarily living with my wife 's mother. I needed to get my family into our new home. We have been speaking with our KeyBank mortgage loan officer since XXXX of XXXX  and believe everything was set to go for the XXXX closing date. We continued to get confirmation that we were set to close without paying off prior debt. We got a notification on XXXX, that we had to pay off over {$16000.00} in debt that has been the same debt from which was on the XXXX to XXXX credit reports they pulled. These debts were paid in full, and proof was provided. The lack of verification and Our closing date was still delayed. This led to our closing date and cost issues. 
The first disclosure estimate ( received XXXX ) showed our closing cost is {$1800.00} with a closing date of XXXX. The morning of the closing ( XXXX ) we received another disclosure with a different amount needed to close. The amount changed to {$2700.00} with still the XXXX date. By the end of the day, we had to call the closing company to get an update. They stated that KeyBank did not send over the remaining documents, so we had to postpone the closing. It took another XXXX days ( XXXX ) to close. This was the same day that we received the third and final closing estimate {$3400.00}. This was a 90 % increase from the first disclosure. Looking at all three disclosures something was missing. The promotional interest rate discount of .25 %. None of the documentation notes that the discount rate has been applied to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX XXXXXXXX : {$2900.00}
Product: Student loan

Hello, I was unsure if I could edit or make adjustments to the initial complaint that I submitted on XX/XX/XXXX, so I decided to file an additional complaint only for the purpose of adding additional documentation. I have included an email that I sent to XXXX University requesting some sort of summary that would show that the XXXX XXXX XXXX XXXX paid for my tuition in full for the XXXX semester year. The school provided me with my student account summary for all semester years. Please see attachment. Also, I am providing my scholarship award letter for the XXXX XXXX semester years. I am providing this information for added support and transparency. I am being completely honest regarding this situation and would like the CFPB as well as Navient to know that. The rule by the CFPB is clear regarding private student loans and I am only asking that Navient be fair and cease collection on my loan. 

Thank you
Product: Debt collection

The provided address of SCA Collections registered agent, is fictitious. A deputy tried to serve a summons on XX/XX/2020 and reported that the address does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX 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, 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 an account without my written instructions
Product: Debt collection

knight adjustment bureau has been dishonest in court about my case i have requested proof of fees in my auto contract, and he has not provided none such. I got my case dismissed by Judge XXXX from 3rd district court in XXXX, Utah. XXXX XXXX XXXX from knight adjustment Bureau has requested for the case to be re opened without sending me a copy of the court date. I want to file a complaint that XXXX XXXX. XXXX has made false claims and misrepresentation.
Product: Consumer Loan

I recently purchased a car XX/XX/XXXX. My payment was due XXXX XXXX. I was unable to make the payment on XX/XX/XXXX. The finance company called me 2 times the morning of XXXX XXXX. I missed both calls so I called them back that afternoon. I spoke with a representative and advised her I would make my payment on XXXX XXXX. She asked me why I was late and I told her. I asked her if I could change my due date she told me once I made my first payment I could get that done. I told her I did not have a statement and I needed it to set up an online account. She suggested that I call in the payment since it was already late instead of mailing it and told me what the fee would be. I told her I would and she said great she would note my account accordingly. 
Sunday, XXXX XXXX, I had a missed call from them. 
On Tuesday, XXXX XXXX I had a missed call from them at XXXX XXXX. At XXXX they called again, I picked up the call and advised the female representative that I spoke to someone last Friday and made an arrangement to pay. She said, okay and we disconnected the call. At XXXX they called again. I picked up and told that representative that this was bordering harassment and that I already spoke to someone on Friday and made arrangements, and that I told that to the representative that called earlier that day. 
Today, XXXX XXXX, they called me at XXXX, I picked up, there was brief silence then the call disconnected from the other end. I received another call at XXXX XXXX. I spoke to that representative and advised her about all the other conversations I had. She said if I do n't ID with a representative they can not note my account. I did not tell her I did not ID with the XXXX representatives that called me on XX/XX/XXXX. How would she know if it was not captured systematically? I told her I also spoke with someone on Friday XX/XX/XXXX and made arrangements. She said the representative I spoke to on XX/XX/XXXX did not note my account. 
In 6 days, between XX/XX/XXXX and today, I have had 4 missed calls, made an outbound call, had 4 incoming calls where I spoke to XXXX separate representatives without giving them ID ; XXXX that disconnected shorty after I answered and this last representative who I had an extensive conversation with, like I did with the representative on XX/XX/XXXX totalling 9 Calls in 6 days.
Product: Debt collection

Synchrony Bank has sent me two letters in the past two months ( XX/XX/20 and XX/XX/20 ) concerning an alleged PayPal account ending in XXXX that I do not have. I have never had accounts of any kind with PayPal or Synchrony Bank, and have never had any other communication of any kind from either company before concerning a credit account. 

The first letter stated " Synchrony Bank has reviewed your request to increase the credit line on your account. A credit line of {$10000.00} has been established, unless you declined the partial increase. We regret we were unable to approve the higher credit line you requested. '' The letter then lists Synchrony Bank 's XXXX if you have any questions. I blew that letter off as a clumsily worded attempt to get me to open an account. 

The XX/XX/20 letter, however, states that " after a review of the account, Synchrony Bank has decided to close your account. The reason ( s ) for our decision are listed below. The number of dishonored payments on this account. Please note that although charging privileges are suspended, you are still required to make payments on your existing account balance under the terms of your account until paid in full. '' The letter then directs questions to the same XXXX. This letter made me angry. 

I called the 844 number and finally got through to a live customer service rep., who could not find any account, or even an account application, tied to the name XXXX XXXX XXXX ( they mispelled my last name which is XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, KS, XXXX. She checked under both name spellings. 

She kept getting back to asking for my social security number to try and find an account, which I refused to give her, and eventually tried to transfer me to PayPal 's customer service, which I knew was just an attempt to get rid of me. I pointed out to her that the fine print at the bottom of each letter states : " Account is owned by SYNCHRONY BANK ''. She couldn't answer why SYNCHRONY 'S data base couldn't find an account under the name yet could also have no trouble generating such letters to me. 

This is either a case of identity theft with a bogus Social Security number, or a new twist on the XXXX XXXX scam of opening accounts in customers names without their knowledge. But in this case, they could be trying to use fear of identity theft to trick customers into giving them a Social Security number to finish opening an account in their name and then offering some kind of free credits on SYNCHRONY for the inconvenience this has caused the caller. 

It should be illegal for any credit line to be opened in anyone 's name without a confirming letter sent to the address of the consumer to validate they are in fact the one 's who opened the account. And if this is just a scaremongering marketing ploy to deceive consumers into opening accounts, that should be illegal too.