23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 the due date for my Amazon store card, I attempted to pay the rest of my previous statements balance on my Amazon store card " managed '' by Synchrony, via the link on my Amazon account. Even though I had already successfully made my minimum required payment about 2 days earlier using the link at Amazon, this time the link was no longer available. I did not know how to reset it so I called Synchrony to either fix this problem or to allow me to make a payment ( about {$710.00} ) another way. 

Synchronys agent who tried to help me at first did not see that I had already paid the {$40.00} minimum ( about 2 days earlier ) and initially told me that in order to avoid interest charges I would have to pay {$750.00} ). He eventually saw that I had already paid {$40.00}, so that {$710.00} would indeed be enough to cover the last statements entire balance in its entirety. 

He then asked me for the routing and account numbers ( bank ) that I wished to use to make this payment, and I provided them to him by reading them to him off one of my checks. He accepted this form of payment. 

Several days later ( XX/XX/XXXX ) I received an a-mail from Synchrony that my payment for this {$710.00} had processed. But, then on XX/XX/XXXX I was notified that it hadnt! Synchrony charged me interest on these {$710.00} and it closed my account and stole the 5 % rebate that I had accumulated in recent weeks. 

I have used checks bearing these same numbers many times and had only a few days earlier successfully made an online payment using them elsewhere. 

All of these matters seem to be a result of Synchrony not being able to find a bank 's routing number and then taking a week to say so- so that they can try to charge customers interest and apply whatever other punishments they think that they can get away with. 

I should point out that around XX/XX/XXXX I also complained to Amazon directly about Synchronys incompetence, greed, etc., so, maybe Synchrony decided to close my account to retaliate against me for daring to complain to Amazon about them? 

Furthermore : A similarish situation arose with Synchrony and me earlier this year. I also complained then to your Bureau- but after temporarily becoming reasonable, they have forgotten their lesson ( s ).

If a bank displays such questionable behavior to a customer of a huge company like Amazon to which they are a vendor and gets away with it, what should we expect from banks who do not stand to lose such a huge account ( Amazon, in this case )?

It also seems to me that it is wrong for any financial institution to shoot first and ask questions later - i.e., to not find the right bank info numbers + then to charge the customer interest, late fees, etc. It seems that the fault in not being able to process a payment is theirs, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Via written letters, I have twice requested my credit report from SageStream , LLC, which states on its website that it " is a consumer reporting agency that is regulated by the Fair Credit Reporting Act. '' A SageStream report was used in a decision by a creditor to deny me credit. Therefore, pursuant to federal law, SageStream is obligated to provide me with a free copy of my report. 

I sent the written requests on XX/XX/2020 and XX/XX/2020. My first request was sent to the SageStream offices in both XXXX XXXX, CA and XXXX, AZ. My second request was mailed to its preferred address in XXXX XXXX. 

SageStream has failed to provide me with my credit report as required by federal law.

Any claim by SageStream that coronavirus has impacted its ability to generate my report is bogus due to the fact that my requests were made long before any state shutdowns.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan out cause at the time I was homeless and needed some money to not starve. After which when they sent me all the paper work is when I saw it was like 300 % +. Well I accepted that as my own XXXX but after awhile I lost the job I got and have been unable to pay. Due to this my phone got turned off and I have attempted to contact them in any other form I can and they refuse to reply to me. Ealier today I got a email saying if I don't reply to then they will send my loan to collections.
Product: Mortgage

This complaint is due to multiple inquiries made on my credit report from Loan Depot thru XXXX . The complaint is against XXXX, as the credit servicer for Loan Depot and also the prospective lender Loan Depot. In XXXX 2016 I responded to a Refinance solicitation I received from Loan Depot and had granted only one approval to run one inquiry on my credit. Loan Depot made six Inquiries within a span of a few days because they were trying to gather additional information on income and value of my present home to determine loan eligibility. Un-be known to me at the time, Loan Depot took upon themselves to re-run inquiries every time I spoke to an individual at Loan Depot as a follow up on the same matter. My credit report now shows numerous inquires within a span of one week or so some multiple on the same day from this same prospective lender " Loan Depot ''. I have brought the matter to the attention of both XXXX XXXX and Loan Depot and both have failed to respond in a reasonable time frame.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

On XXXX I noticed odd pending charges. I notified Wells Fargo immediately by calling and reporting the activity. I found 60+ charges that were all similar going back to XX/XX/XXXX. 

Well Fargo is advising me that I didnt notify them of the disputed charges within the required timeframe. They go on to state that their Deposit Account Agreement explains that I must notify them of a problem or error no later than 60 days after they send the account statement showing the error. 

I notified them on XX/XX/XXXX, when i noticed the the transactions. If I go back 60 days from that date, that puts me at XX/XX/XXXX XXXX.During that time from XX/XX/XXXX to XX/XX/XXXX there are ( 41 ) total fraudulent transactions. Only ( 15 ) of the transactions are from before XX/XX/XXXX. 

How can they deny ( 41 ) of the charges that fall within thier 60 day policy, on the grounds that I didnt notify them within the timeframe they have outlined, when clearly I didnt notify them within that timeframe. 

They cant even tell me which company took my funds. I have absolutely no recourse and ive requested this be escalated and have not received a call from anyone about XXXX XXXX. 

This is 100 % robbery and Wells Fargo is clearly trying to protect themselves, not their customer. 

I need some serious help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and Experian are not willing to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Accounts name XXXX XXXX XXXX  XXXX, accounts name XXXX XXXX XXXX XXXXXXXX, accounts name XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 section 602 a .state I have the right to privacy 15 u.s.c1681 sections 604 a section 2 it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( A ) ( 5 ) section state : 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 more than seven years 15 u.s.c 1681s 2 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing and evidence of a thorough investigation. This practices violates the Fair credit Reposting act ( FCRA ) 15 U.S.C 1681 which mandates a resonable investigation of disputes. Furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have listed the accounts and account numbers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt or credit management

I was a client of Lexington law. Im trying to get my part of the settlement. I moved back to XXXX  and have a new address I need to update my current address in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an fraudulent email XX/XX/2020 from a credit bureau Equifax with the address XXXX with a misleading subject : Equifax credit monitoring and identity theft protection features for $ XXXX. 

I am reporting email intrusion being that they used XXXX which is a new email address and I have not authorized nor have I given consent to have my personal information used by/ or for marketing purposes. I am a victim of online fraudulent crimes ; email intrusion violation of privacy etc
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX on XX/XX/2020 I got sent a fake check which I thought was real. I deposited it to my bank and the person that I now know is a scammer told me to purchase XXXX XXXX Money orders. Im in XXXX  so I thought ok, Ill get a free XXXX because the check they sent was XXXX. So the amount of XXXX appeared in my bank a day later so I went to go get the Money orders. I shipped them. I have the address that it was shipped and I still have the emails and text messages if needed for investigation. I just need help on getting my Money back please. And trustmark bank told me they couldnt do anything for me.I also canceled the Money orders as soon as it showed the XXXX was not in my account any more. I called and they said it was a fake check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Credit Collection ) Opened XX/XX/2018 {$30.00} Original creditor : XXXX XXXX XXXX XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Debt collection

Midland Credit Management , Inc gave me settlement option on a XXXX XXXX  debt.The change the option to full payment after I missed, the last payment fromXXXX to XXXX.
Product: Mortgage

Last month on my mortgage statement there was the following note LENDER PAID EXPENSES Required expenses paid by Mr. Cooper on your behalf to another company ( e.g. legal or inspection fees ).  XXXX. 
I called Mr cooper about this expenses and they were unable to tell me what the fee was for. They told me that they would get back to my in written ( email ) about what the charges are for by the end of the month, that was at the beginning of XX/XX/XXXX so the said they would get back to me by XX/XX/2019. Today XX/XX/XXXX, I still have not received anything. I have called the company back today and sent me the follow PDF, that say they did a property inspection and legal fees. Why would I be responsible for these fees. My account is current, I had fallen behind but I may all of the back payment this past.
Product: Debt collection

A medical debt through a 3rd party collection ( Consumer Adjustment Company ) was placed on my credit profile without my consent from all 3 Bureau 's. I sent a dispute letter to have these negative items removed. I received responses as account verified and accurate. You have updated my credit report Without investigating my credit. XXXX I never signed a HIPAA Release Form with these unknown creditors XXXX The Privacy Act and HIPAA Laws protect personal and Medical rights information from being Distributed without knowledge and verbal or written consent. After your investigation, have these unknown creditors removed from my credit report. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, XXXX 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to XXXX is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.
Product: Credit reporting or other personal consumer reports

I filed complaint its not me and they still didnt Remove accounts
Product: Mortgage

On XXXX XXXX 2016, I went onto the XXXX website to check my credit report and found, once again that Ocwen Loan Servicing has failed to report accurately to the credit bureaus. This has been an on going issue with Ocwen Loan servicing! Per XXXX, Ocwen failed to report to XXXX and possibly the other credit reporting agencies that we were current for the months of XXXX, XXXX, XXXX and XXXX 2016. Per Ocwen Loan Servicing website, it clearly reflects that Ocwen received XXXX 2016 payment on XXXX XXXX 2016. Ocwen also received XXXX 2016 payment on XXXX XXXX 2016, XXXX 2016 payment on XXXX XXXX 2016 and XXXX 2016 payment on XXXX XXXX 2016. Per Ocwen credit history report on us, it clearly reflects that Ocwen is reflecting for XXXX 2016 a " XXXX '' which means no payment history available this month! As you can see, this is inaccurate! Per Ocwen credit reporting on us, it clearly reflects the last time Ocwen reported to the credit bureaus which was on XXXX XXXX 2016. Now, Ocwen has failed to report and report accurately. As you can see with the attached documentation that Ocwen Loan Servicing failed to report accurately. Note : we recently tried to apply for a second home mortgage in Utah but with Ocwen failing to report accurately, this caused our bank to increase our rate from 3.85 % to 5.75 %. Our bank did not know if we paid Ocwen Loan Servicing for those months or not! By Ocwens actions, it can cause us to be denied credit or to have a higher interest rate.
Product: Credit reporting

After carefully reviewing my credit file XXXX has placed a debt onto my report in the amount of {$1000.00}. XXXX has the last reported payment on XXXX XXXX, 2015. XXXX failed to report the other payments made to this account. I would like for XXXX to remove this item off of my credit report due to XXXX placing me on a monthly shut off protection plan and XXXX failed to report payments made. This affects my credit report dramatically. I do not feel that it is fair for XXXX to place collection on account but not report payments made.
Product: Credit reporting or other personal consumer reports

New complaint I've called and placed on hold trying to resolve this for a month. 

I've attached a new FTC complaint Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX XXXX writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX. XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : XXXX. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX  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 These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX