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

I did some recent investigating on my credit report and noticed some err and inaccuracies and accounts that are mot mine and I want of deleted off my credit report. 

in accordance with fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % correct.

the credit reporting agencies stated that these account were properly investigated and came back as verified. HOWEVER. How is this true when there are several inaccuracies showing on my report.

I KNOW MY DAMN RIGHTS as a consumer, I request to know all steps to know all steps that your agencies took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit card

I have two co-branded credit cards with PayPal and Venmo, and a PayPal Credit account that are all serviced by Synchrony Bank. As servicer / sponsor for the accounts, Synchrony Bank is supposed to settle the account balances accordingly every month after receiving my endorsed instrument, then communicate certain instructions to their Indenture Trustee for Synchrony Card Issuance Trust, per the Trust indenture. Synchrony Bank still has not credited my account via the electronic funds transfer act for the dividend payment that it made from the Treasury Coupon. There should not be a past due balance on either accounts. I have followed all instructions in the Trust Indenture for instrument endorsement and delivery / notice. I have sent numerous correspondence by Certified mail and by Facsimile to several departments over the past two months that have been ignored, and I am out of patience. As it stands, I have provided Synchrony Bank with receivables / assets of value that were sold to its Depositor and then sold and pledged to its Trust. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. Therefore, Synchrony deposited the receivables for CASH VALUE from the Treasury, and has not returned anything back to me of equal value or properly credited my accounts. This signifies fraudulent conveyance, violation of their trust indenture and fiduciary duties, and an uneven exchange. Per their prospectus, my receivables are being used as a significant source of funding to support the Banks business, including supporting the notes the Trust issues to investors. Without consumers allowing them to use receivables and leverage them for other investments, they wouldn't be in business. I have allowed the Bank to this with no adverse action, but as a beneficiary I should not have to bring this to their attention. They know what they are required to do, and they should abide by their prospectus, trust indenture, 8-K, 10-K, and other forms on file with the securities and exchange commission regarding their fiduciary duties. If Synchrony remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in Delaware Chancery Court, and file Form 3949a naming the Bank and all affiliates listed in the prospectus that have handled my receivables. Fair is fair -- Synchrony can not take receivables from me and not return equal value with no consequences. I also expect to receive the contact information for the proper department to ensure my account is taken care of accordingly in the future. I pray these matters will be handled in good faith.
Product: Credit reporting or other personal consumer reports

This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX XXXXXXXXXXXX XXXX XXXXXXXX, account # XXXX ; XXXX XXXXXXXX XXXXXXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Report As of : XXXX XXXX XXXX This account reflects, opened {$120.00} balance no past due balance status not shown no payment history. This account is a violation of 15 USC 1681 for failure to provide complete and accurate information as well as improper use of my credit report I have no knowledge of this account, nor this creditor I have asked for validation of the original contract from the creditor, and nothing was provided. Transunion has had 30 days to complete a proper investigation, and I failed to believe that a proper investigation was completed with the information that is still showing on my report. I am demanding the deletion of the account immediately For you have had 30 days to complete an investigation. I am also considering legal action for damages up to {$1000.00} for this account as my FCRA rights and laws were violated. 
This account was updated by Transunion XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

trying to information about my home loan modification, we have been modified but it took XXXX years and added an additional XXXX dollars to my loan, can i get someone to explain or sit down with to go over this problem and how to go about to get answers, XXXX
Product: Debt collection

I previously did a complaint on XXXX for not removing WELLS FARGO HOME MORTGAGE from my consumer report, which was included in bankruptcy XXXX XXXX  and discharged under title 11 U.S.C. 727. Wells Fargo Home Mortgage responded by mail to inform me due to the chapter XXXX bankruptcy discharge they are not collecting any debt, nor is this a bill. The issue is a debt collector XXXX XXXX XXXX XXXX hired by Wells Fargo Home Mortgage has a sheriff auction sale scheduled for XX/XX/year> for {$250000.00} on a site called XXXX.
Product: Debt collection

XXXX XXXX XXXX was traded in on XX/XX/XXXX at XXXX XXXX in XXXX, Texas. The vehicle was never paid off by dealership and was sold. 
I started receiving calls from Chase Bank about overdue payment on the vehicle. I advised them that vehicle was traded in and was no longer my responsibility. They said the Dealership had call requesting pay off amount but nothing after that. I even got an attorney to try to save my credit but nothing got resolved. Dealership owner filed bankruptcy. My credit was ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found inaccuracies that needs to be removed. 

Inaccurate Name : XXXX, XXXX, XXXX XXXX XXXX XXXX Inaccurate Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly remove these addresses and update it with my current address
Product: Credit reporting or other personal consumer reports

My wife and I filed for XXXX  XXXX bankruptcy on XX/XX/year>. It was dismissed on XX/XX/year>, voluntarily, 82 days later. All XXXX credit bureaus continue to post the bankruptcy on my report. They state they can report it for a total of XXXX  years. I wrote a good-will letter to each agency asking them to please remove this non-event to no avail. I never filed ever. I am not able to get approved for standard rate loans or insurance.
Product: Consumer Loan

I had agreed to pay Wells Fargo {$150.00} a month until my account was paid in full. When the account got with in a few XXXX I tried to call and pay it in full. I was not allowed because I did n't know the work number that they had on file since the account was several years old. The customer service people said it was fraud since I could n't give them that piece of information. I then waited for normal monthly payments to come out. It was down to {$42.00} which I mailed a check in for but they debited my account {$150.00}. They overdraw my account and refused to give me the overdraft charged by my bank because this error was my fault. My answer was that how can it be my fault to assume when an account is paid in full I should not have debts come out. So, 30 mins later I had to accept to wait 14 days for my money back and that they would not reimburse me for my mistake of assuming they would n't take extra money. In addition to the lost money and the waiting 2 weeks for my money back I lost an hour from work that I did n't get paid for. Wells Fargo on the other hand made what XXXX B last quarter alone. Please investigate their services. Between the lack of communication, the slowness in applying funds and the over collection I feel they are guilty of other larger discrepancies that break cfpb regulations.
Product: Credit card

I received a notice from my ID protection service that a credit inquiry was made. My service indicated it was Chase bank and since I do business with Chase, assumed it was OK. XXXX weeks later as received an XXXX credit card with a XXXX limit. This card was never requested The card was sent to my home address. I called to report and Chase considered it fraud. I asked for documents used to authorize the request but was told that is " confidential '' A quick review of the complaint database indicates that this has been happening a lot. I would like to find the real facts on this breach. Is this an issue at XXXX or Chase? Is this another example of a bank employee opening accounts to win awards? It is frustrating that Chase will not take any responsibility to find the issue given the frequency this seems to be happening.
Product: Debt collection

Complaint Date : XX/XX/year> Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account # ( 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 To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit card or prepaid card

On XX/XX/2022 I received a charge statement from XXXX for {$75.00} which was charged to my PayPal account on that same day. The charge by XXXX was not authorized by me. I immediately contacted PayPal to complain about that charge & to have it removed. Subsequently, XXXX informed me that the subscription was cancelled as of XX/XX/2022 but no credit was issued. PayPal notified me today that it is denying my credit request because I did authorize that charge! 
At around the same time last year, I sought to purchase a PC software from XXXX which was supposed to cost {$45.00}. However, because the keys to download the software was not correspondingly sent, I demanded that XXXX cancel the purchase & to credit my account. Furthermore, I was also very much concerned that granting XXXX access to my PC could be detrimental to my machine. I subsequently received confirmation by XXXX XXXX that it cancelled the subscription & that it had credited my account for {$41.00}. However, such credit was never actually given, and Paypal concurrently denied me the credit as well. 
While denying my request for credit, PayPal did also stipulate the following : " We've now cancelled this agreement for you to prevent any other unwanted transactions ''. 
Accordingly, PayPal could not at this time again grant a billing charge to XXXX pursuant to its aforementioned claim. Additionally, there had not been any alert by XXXX that its alleged ( but negated subscription ) was forthcoming in almost a double charge. I did not authorize XXXX nor PayPal to place such a charge on my account. This whole transaction by XXXX on collaboration with PayPal is a fraudulent one. Since this unauthorized charge by XXXX, my PayPal closing balance went from {$5100.00} to an updated one of {$5100.00} ; the increase reflecting that {$75.00}. 
Unfortunately, the current Annual Percentage Rate ( APR ) on this account is a whopping 24.24 %. Any fraudulent addition to my current balance has enormous financial consequences and can not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a conventional mortgage until recently. I was serviced by Ocwen Loan Servicing, LLC. I was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due XXXX XXXX 2017 which I paid in a timely manner. The next payment was due XXXX XXXX 2017 which I also paid in a timely manner. When I contacted XXXX, XXXX and XXXX, after selling the property in XXXX 2017, to make sure that Ocwen was no longer reporting the mortgage as having a balance, ( I sold it XXXX XXXX 2017 ), I discovered that Ocwen had reported that two payments in 2017 as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment for XXXX XXXX 2017, was paid. In addition, I paid XX/XX/XXXX payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in 2017.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX To Whom It May Concern : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit report and seen an account that is not mine its XXXX XXXX bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 XXXX
Product: Debt collection

In XXXX I was contacting the Central States Recovery, XXXX KS, company for the first time, I spoke with XXXX XXXX and I was asking them about the debt I had of XXXX with XXXX XXXX XXXX XXXX I was told that if I didnt start a payment plan with them I can face possible charges and was asked to give my bank account information so they can pull the payments out directly or the debt was going into an attorneys hands, I refused to give them my account information but I told them I will call them back with a payment. I felt I was forced to start a payment plan, that I could not possibly obliged by due to the Covid 19 and my job cut out my hours. After a few months on XX/XX/2020, I called and I spoke with XXXX XXXX again, and I asked if I could just pay half of XXXX as a lump sum to remove my account, she told me no and said, you need to start a payment plan with us, because XXXX XXXX ( original collector ) is already handing the debt to an attorney and they are preparing to file a suit against you. I have not received  any paperwork of a lawsuit happening, but the mental distress this has caused my family. We are dealing with financial hardship and the threats of being sued in this vulnerable time and the way this company treats and talks to us, knowing Im going through hardship. I felt I must report them because this company threatens to sue so easily in order to get a person into a payment plan that is to expensive to afford.
Product: Credit card or prepaid card

Card Id # XXXX XXXX. XXXX XXXX U. S bank ReliaCard fraudulent transactions letter Greetings, my name is XXXX XXXX. 
On XX/XX/XXXX {$27000.00} was deposited into my us bank ReliaCard account. This account is used for Colorado unemployment I applied for during the pandemic. I was keeping track of funds and certifying until I was hospitalized in late XXXX of XXXX for serious injuries obtained in an automobile accident. Before the accident my u.s bank debit card was in my wallet. That was the last time I saw that card. I was released from the hospital almost a full year later in XXXX of XXXX. At that time I realized my debit card was missing. I logged on to the account and noticed that someone gained access and used {$27000.00} in less than two months. The last fraudulent transaction was made on XX/XX/XXXX. Once I was aware of the fraudulent charges I contacted us bank ReliaCard on XX/XX/XXXX approximately, first to get a new card. notified us bank of the unauthorized transactions. I filed a police report and sent in a copy of my identification as requested by us bank ReliaCard. If you look at atm footage you can see that I am not the person that made the transactions in question. I have provided everything necessary to prove my case. I have been dealing with this for to long.