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

My XXXX paid for a membership to Sam 's Club and included myself as her authorized user for her membership account. I went into Sam 's Club in XXXXXXXX XXXX on XXXX XXXXXX/XX/XXXX and had my membership card made. At the counter the only information the associate asked me for was my Driver 's License and what my email was, which I provided. The next day on XX/XX/XXXX, I received an email from XXXX XXXX letting me know I had an inquiry on my credit report. I looked at it and not once, but twice a HARD inquiry from Synchrony Bank/Sam 's Club was on my credit report from the day before. They didn't even mention a credit card while I was in the store. I'm wondering how this happened without asking for my permission, and without my SSN/income, or inquiring in store about any of the information needed for the hard inquiry to show up on my credit report. I contacted XXXX who said I would need to ask Synchrony bank about it, so I did. They have NO application on file from myself for a Sam 's Club credit card on record. I called my local Sam 's Club and the shift manager on duty said she was seeing that I DO have an application for a credit card in her system, and unless I come in store she couldn't provide me with any specifics ( I asked if they had my correct SSN since I didn't provide it! ) So I asked her how that was possible if I wasn't asked to apply for a card, nor did I provide the information needed to apply for one. She asked me if someone in the store might have scanned my membership card as I was walking past them after I had it made that day. Which makes absolutely no sense and didn't happen as it was in my wallet until I checked out. I'm thinking she knows exactly what her employees are doing to meet their credit card sales quota. Which is make up a SSN/income to enter for the credit card hit to go through on members without their knowledge. I've researched my issue online and I'm DEFINITELY not the only one that has had this happen specifically at Sam 's Club. I am not the only victim and it needs to STOP.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a XXXX message that the buyer ( scammer ) would buy my wedding dress on XXXX XXXX. She said she already sent me {$450.00} ( item amount ) to paypal on holding. On that night, I got message that I need to upgrade to business account and called me to asked buyer to send {$500.00} and refund her through XXXX pay. The next morning XX/XX/XXXX, she said that she accidentally sent twice, so {$1000.00}. So I need to refund total {$1000.00} to her and she already sent total {$1400.00} in paypal account. Afterward, I found that the Paypal confirmation email is fake and her shipping address is fake. She didn't give the transaction ID on paypal to track and the Real Paypal said I didn't have the transaction.
Product: Checking or savings account

XX/XX/XXXX Received a letter stating that my account was inactive and all funds would be sent to the state ( escheatment ) Called Wells Fargo re : letter and asked to close the CD and return funds, was told that I needed to send notarized form to them, Form was sent as instructed certified mail on XX/XX/XXXX Nothing returned, called again XX/XX/XXXX talked with XXXX at XXXX, he stated that his supervisor was busy, but they would get look up the form and get the check sent out Nothing done, life was busy .... 
Called XX/XX/XXXX, talked to XXXX who stated that I needed to call back in 3 business days and they would have the information to close the account, Called XX/XX/XXXX talked to XXXX, who stated that I could close the account by going on-line at wellsfargo.com and fill out the information, Looked on-line under my account, this is untrue, there is no way on-line to close the account, calling back but am very frustrated that they will not return my money. I realize that my CD is not due, but I will forfeit the little amount of interest to get my money.
Product: Credit card

My Mattress Firm credit card had an {$8000.00} limit. I purchased a $ XXXX mattress in XX/XX/XXXX. I have made all of my payments on time. XX/XX/XXXX, Synchrony decreased my credit limit to just over {$3500.00}! It put my utilization above 90 % and damaged my credit score. I never received an Adverse Action Notice. 

XX/XX/XXXX - I just found out during my monthly credit report check, that they cancelled my Care Credit card that had a limit of $ XXXX! Again, they provided no Adverse Action notice. 

I had excellent credit. Now my credit utilization rate is super high because I have had a decrease of $ XXXX in 6 weeks from Synchrony. 

This is happenig to a lot of people. I searched online and found complaints in the following links : https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, be % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure there are more complaints out there. 

It is my understanding that decreasing credit limit and/or closing an account without providing an Adverse Action Notice is in violation of the ECOA - regulation B. 

Of course they did not provide an Adverse Action Notice, because they do not have a reason to close my account and decrease my credit limit. 

Synchrony apparently had problems and was sued in a few years back. They changed their name and are breaking the law again.
Product: Debt collection

This account was sold to another debt company without my knowledge because I have contacted the primary lender SETOYOTA FIN DBA OF WO explained to them that I had lost my employment due to a worldwide sickness Covid that I was asking for some help. Also I had to relocate causa change of address which I never receipt notification either my email or mail Stating the resolution of this matter. I was refused hello in time of Need and didnt give me the chance to dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/ i applied for employment at a hotel that required consumer report to be procure well upon procurement i went from having a definite cook position to being told they could not have people like me Working at their business and I was confused until I received the adverse letter in the mail and it was due to old information like arrest records multiple names multiple addresses just all of my information that Ive ever been a part of and I dont recall Lexis nexis in any of my business dealings but yet here they are taking food off my table and upon noticing them via postal service they return the same generic letter stating cant complete request as if they dont comprehend what disputes mean they are selling non credit related transactions to agencies like XXXX XXXX and XXXX as well as potential employers not even paying any consideration for accuracy or regards to a person likeness and character as its all just profit obviously for them procuring free public information about private non public matters in detrimental unfair and gross negligence with brute aggravated identity theft and is being asked to cease and desist furnish inaccurate adversely not in favor of the consumer
Product: Credit card

Purchased in-game credits for a game that was the fake version of the original game. The game is shut-down and doesn't have customer support taking care of any requests. I never got this credit since I can't access the account. I received a response from the payment provider that this was a person-to-person transaction and no goods were expected to be delivered - However, this was not and I have reopened the dispute with Credit Card. The credit card issuer provided no reasons as to why it was denied other than something along the lines of the info I provided was either already reviewed or the same as before. But I never got a reason why the case was denied.
Product: Credit card or prepaid card

Made online payment for XXXX XXXX store credit card administered by Synchrony Bank on XXXX. Paid credit card account with a XXXX XXXX checking account. Payment amount is {$230.00}. Synchrony Bank processed twice this amount in two transactions ( {$230.00} twice ). For each transaction there is a confirmation number. I have confirmation number ending XXXX. For the second payment transaction I do not have or receive this confirmation number ending XXXX ( this transaction was not performed by me ). It is very troubling there is a confirmation number on the second payment not performed or authorized by me. 
I called Synchrony customer service and was first told I made 2 payments, I did not. Second I was told there must have been a system error causing the payment to be made twice. I asked for the overpayment {$230.00} to be credited back to my checking account. I was told Synchrony would send a physical check and it would be XXXX business days ( unacceptable ). Easiest but not best way is to leave a credit card balance of $ XXXX on the account. The monies will be used eventually, but I should not have been debited twice on my checking account, and it should be fast and convenient to get the monies refunded for Synchrony errors.
Product: Mortgage

In XXXX my mortgage servicer was XXXX XXXX XXXX. I was going through a financial hardship and applied for modification/ forbearance. XXXX XXXX XXXX approved a trial mortgage payment for three months in the amount of {$890.00} from a $ 1721 monthly mortgage. After the trial XXXX XXXX XXXX stated that there was no record of this trial and then sold my account to Specialize Loan Servicing. I had to start all over again with filling out another application for a modification. At this time I was getting XXXX treatments and explained on the hardship letter what I was dealing with at that time in XXXX. I received some assistance from XXXX XXXX XXXX, they sent Specialized Loan Servicing a couple of checks. In XX/XX/XXXX Specialized Loan Servicing approved my modification from the {$1700.00} payment to higher payment of {$2000.00}. The first trial payment started on XX/XX/XXXX until XX/XX/XXXX. The permanent modification was to begin XX/XX/XXXX. I signed the contract and sent my payment of {$2000.00}. I received a phone call stating that they could not accept the payment that my new amount would be over {$2700.00}. Specialized Loan Servicing took the money that XXXX XXXX XXXX sent and used the money for their fees and not to the principal as I requested and told me that my XX/XX/XXXX payment will be put in a suspense account which is still there. I asked for the reason why my payment is now over {$1000.00} more than the original payment. They stated over the phone that there is an escrow shortage. As of today I have not made a payment and have applied for another Modification using XXXX   Lawyer paying them {$3400.00} and XXXX lawyer took my money, phones were disconnected and emails were unable to send ( return to sender ). I kept trying on my own with the help of other free agencies to get a fair modification and I kept being denied. Specialized Loan Servicing would tell me that they received all documents and my application went to underwriting. They would send me letters that all of my documents werent received and or the investor is not going to change the terms of the loan. My income changed and I added my son and husband. In XX/XX/XXXX an employee of Specialized Loan Servicing advised me that they will not give a modification so I should stop applying because I cant afford the house. She was very rude and disrespectful to me and stating to me that the HARP program is over and we will not honor you application for that program. My application was in before the program ended. I paid {$29000.00} for my property when XXXX   XXXX XXXX sold my mortgage to Specialized loan Servicing I owed {$260000.00} in XXXX. I now owe {$390000.00} because of all the fees and late charges incurred. 
My home is currently up for foreclosure. All I want is a fair Modification to pay my mortgage and for me and my family to stay in our home.
Product: Student loan

After my deferment I called navient to see if there was anything that could be done with my incredibly high monthly payment and they insisted that they could n't help me. I 'm a single mom and my monthly payment is more than I make in a month.
Product: Mortgage

I 've been dealing with an impending foreclosure by a bank that has not at all been willing to work with me, fudging the numbers to make it look like I can not afford my home and exaggerating the modification amount so I wo n't qualify. I have equity in the property. They are saying that the loan to value ratio is too high and if it is more than 70 %, they will not modify. This is not the case at this point in time. They 've been going forward with the foreclosure while I 've continued to submit modification documents several times. We now have an auction date of XX/XX/XXXX. 
I am a single mom, XXXX, trying to modify or at least stay in this house for another year, or at least until next fall when my daughter enters college. My attorney has informed me that his firm is usually able to work something out with the various banks, but my bank just wo n't budge, even though I earn enough money in XXXX paycheck to pay the mortgage. 
At one point, the bank sent my check back to me stating that if I could n't bring the balance current then they did n't want my check. I never missed a payment, but was about {$300.00} short every month as the crash of XXXX negatively effected my income, leaving scarce work, but it was temporary. We had an agreement but the the mortgage was sold off and my options became slim at best. 
Most recently, I received a letter saying that my home was going to be sold at auction on XX/XX/XXXX, right before the holidays. My attorney has been able to defend me and buy me some time but I need more time or a chance at a fair modification. He tells me this particular group are very shrewd and take advantage of people in my situation for profit. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

Account is charge off due to my chp XXXX bankruptcy filing. Balance should be XXXX and closed.
Product: Credit reporting or other personal consumer reports

I took a look at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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 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 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: Debt collection

Nationstar Mortgage calls anywhere from 3 to 5 times a day and when I pick up the call to say hello they hang up. I have called them back with almost each and every call and told them to stop calling me and hanging up but they threaten to cut off all communications via email and mail. As they are my mortgage company I can not allow them to stop mailing me my statements or electronic correspondence. When I again tell them to stop calling me and hanging up they tell me its the automated dialer and not them personally who is doing this. When I tell them to take me off the dialer they again threaten to cease all communications. I have two months left on a repayment plan which was put in effect two months ago. Since then the calls have increased. I do not want to be harassed and I have told them this repeatedly. When I ask for a supervisor they either hang up when " transferring '' me or I get a supervisor who apologies but then continues with the threat of ceasing all communications. I am literally at my wits end hearing my phone ring and knowing they are intentionally trying to harass me over nothing. Please help.
Product: Credit card or prepaid card

I received a Bank of America DUA card by mail that I never requested. As I work full time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from XXXX XXXX, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from Td Bank XXXXtarget C. I disputed the XXXX  inquiry, however XXXX  is requesting I send documentation from FTCXXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing with utmost urgency to report that I have become a victim of identity theft and urgently need your assistance in addressing this distressing situation. I am deeply concerned about potential inaccuracies in my credit report and it is crucial that credit reporting laws are upheld. 
SANTANDER CONSUMER USA Opened : XXXX XXXX, 2015 Balance : {$0.00}
Product: Debt collection

Called my work number saying they are on a recorded line looking for XXXX somebody. Did not identify who they were. There is no XXXX. I called back and they answer as XXXX XXXX XXXX XXXX which is a debt collection agency. They had no business calling my number in the first place without properly identifying this XXXX person they are looking for. I get spam texts frequently to XXXX so I think they are selling my number for more robocalls and texts.
Product: Debt collection

This is a formal complaint against Gold Key Credit. INC. 
XXXX, XXXX Contact Information : XXXX I obtained my credit from XXXX XXXX on XXXX. I notice a small charge that 's being reported only to XXXX. I called the toll free number & the lady was very rude. The balance being reported is exactly {$14.00} XXXX. I asked why was this small amount being reported she stated it used to be a much bigger bill but my insurance must have paid the amount all but {$14.00}. I asked how to resolve the small balance and she would not answer how to pay the told me I had many more debts on their account which is not true. I 'm looking at my credit report right now and {$14.00} is what is being claimed. I do not owe this debt and want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX, Equifax and XXXX and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX, Equifax and XXXX   saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX  {$210.00} XXXX {$4600.00} XXXX XXXXXXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}
Product: Debt collection

Credit Management Control, XXXX XXXX XXXX, XXXX, WI XXXX attempted to collect a charge for a missed medical appointment that I proved to the collection agency that I called the doctor 's office 2 days prior to the appointment to cancel. The clerk at the doctor 's office clearly did not cancel the appointment on their calendar. Credit Management Control communicated with me and stated that they would no longer attempt to collect the debt. However, they continue to refuse to remove the collection account from my credit report. I filed a dispute with the credit bureau but Credit Management Control now claims that they verified the debt. I am requesting that this collection account be removed from all XXXX credit reporting agencies because this is a fraudulent collection account as I do not owe the funds. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't owe anything to this collection company, I have already made payment send I want this collection account to be removed from my credit report as soon as possible.