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

I pulled up my credit files from each credit agency, XXXX, Experian and XXXX. Each of these agencies are reporting accounts that do not belong to me. The accounts are listed as XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX XXXX with account number # XXXX, XXXX XXXX under account number # XXXX. I have requested each credit agency to provide me with contracts that bear my signature that I signed for these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act. I will be filing a complaint as well to Maryland State Attorney General Office. The dates the information was requested is XX/XX/2023 and XX/XX/2023. As of today I have not gotten anything from any of the credit reporting agencies.
Product: Payday loan, title loan, personal loan, or advance loan

15 U.S. Code : 1605, titled " Determination of finance charge '', defines the total amount of money in a consumer pay to borrow money in a consumer credit transaction. This includes charges imposed by the creditor, either directly or indirectly, and paid by the consumer directly or indirectly, as a condition of the credit extension. The finance charge does not include charges that would be paid in a similar cash transaction. 15 U.S.CODE 1662 Were no down payment is required. ( TILA ) Requires lender 's and dealer 's to provide you with certain disclosures-before you sign your contract that explains your auto loan costs and terms. Which is in my Finance charge which I been demanding a copy of and failed to get. 15 U.S. Code : 1611, Whoever willfully and knowingly. ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provision of this subchapter or any regulations issued there under, shall be fined not more than {$5000.00} or imprisoned not more than one year, are both.

Furthermore you did not have my consent to pull my credit Show me were I gave permission The ( FCRA ) 15 U.S.C 1681et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies Section 623 of the FCRA applies to any person who furnishes information related to a consumer to a consumer reporting agency
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank and Venmo for engaging in predatory practices and unjustly withholding my funds, resulting in significant financial harm and emotional distress. 

On XX/XX/year>, I made a payment of {$600.00} through Venmo to Synchrony Bank, which was promptly processed and deducted from my XXXX XXXX account on the same day. However, despite the deduction, Synchrony Bank has failed to reflect the payment in my available balance, thereby withholding my funds for an unjustifiably extended period. 

The actions of Synchrony Bank and Venmo in this matter are nothing short of predatory. By withholding my funds without valid justification, they have effectively cheated me out of my hard-earned money, causing undue financial strain and emotional turmoil. This deliberate misappropriation of funds demonstrates a blatant disregard for consumer rights and highlights the predatory nature of these financial institutions. 

Furthermore, the lack of transparency and accountability in addressing this issue is deeply concerning. Despite numerous attempts to seek clarification and resolution, I have been met with vague explanations and minimal assistance. The refusal of Synchrony Bank and Venmo to promptly release my funds and provide adequate explanation only exacerbates the distress and frustration I have experienced.

It is evident that Synchrony Bank and Venmo have prioritized their own financial interests over the well-being of their customers. Their actions not only violate consumer protection laws but also erode trust in the financial system as a whole. As a consumer who has been victimized by their predatory practices, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold Synchrony Bank and Venmo accountable for their misconduct. 

In addition to seeking redress for myself, I implore the Consumer Financial Protection Bureau to take proactive measures to protect consumers from falling victim to similar predatory practices in the future. By holding financial institutions accountable for their actions, we can ensure a fair and transparent financial system that serves the interests of all consumers. 

I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have aXXXX XXXX XXXX XXXX  have been paying on this loan for 3 years now I have given them over {$16000.00} they have taken whole payments of {$500.00} and applied every red XXXX  to the interest I spent nine months with my principal balance not moving a red XXXX  at all I have reached out to people they have been ugly to me they refuse to give me a copy of my current contract. I originally purchased a XXXX  XXXX XXXX from the dealership that I got my XXXX  from finance through Chrysler Capital that made me bring the vehicle back and after I had signed the paperwork giving them money left a lot 7 days later I got a phone call saying I have to bring the vehicle back they want to put me in a brand new one they put me in XXXX XXXX XXXX I didn't have a choice that was the only thing that I had an option for and I had to have a vehicle they use the fact that I was a subprime loan borrower and they took advantage of me and now I owe all this money. I had my vehicle repossessed once and I paid to get it back luckily I had help to get it back but I'm about to lose it again and I can't get these people off my back I've offered them a cash lump sum settlement and they refuse to take it
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Product: Student loan

For years I have not been able to make enough money to live and pay on my loans. I graduated with approximately $ XXXX debt. Over the years what started with an occasional re-deferment went from once per year to 6 months and then to every 3 mo. 's. The charges have accumulated with the debt to over $ XXXX total now. 

There is no program to help get rid of all the charges that Navient and XXXX before gave me. Numerous times through the years I would ask about consolidation of the several loans and was ignored when I asked them to send a paper consolidation application. 

This debt is not the debt that I when to school with. What can be done about this additional amount now?
Product: Checking or savings account

I am a XXXX veteran with a XXXX XXXX XXXX  XXXX XXXX. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I was just hospitalized again and I am in dire straights. USAA/XXXX  XXXX, and XXXX XXXX  are threatening to cancel, repossess and/or foreclose on me. Please help me. My cell number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Also settings and app are not the same. I've been waiting for new cards promised on XXXX. They changed my card numbers and charged XXXX and gave XXXX my new card number. I have tried over a dozen times to resolve this with no restitution and now I'm being charged late fees.
Product: Debt collection

I made an arrangement to make a payment on XXXX/XXXX/16. On the Friday prior, XXXX XXXX, I called at XXXX MST to cancel the arrangement as I have started working with a debt consolidation company. I called during business hours and did not receive a call back even though I left a message requesting a call back AND requesting they stop payment. I gave them more than 48 hours to do so. I called XXXX as well. I continued to call on Monday and had to leave multiple messages for a XXXX XXXX. I did not get a call back from her until Tuesday the XXXX. After not having any resolution and being told I did not call Friday, I asked for a review. She said she would have compliance pull the calls. Again I went a couple days before she told me I did not have any calls on Friday. I have a record of all the calls on my cell phone bill. They charged my account which also started a domino affect of overdrafts fees. I have now left a message for their compliance department and have not received a call back regarding resolution on the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to respond to my dispute and not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), disputing the inaccurate and incomplete reporting of negative items on my credit report. 
To verify my identity, I included the following documents with my dispute letter : A copy of my government-issued ID A copy of my Social Security card A recent bill as proof of address I requested specific information about how Experian verified the disputed items on my credit report. However, I have not received a response from Experian, nor any indication that they have conducted a reasonable investigation into my dispute. This lack of action is a violation of the FCRA, which requires credit bureaus to investigate consumer disputes and ensure the accuracy and completeness of information in their reports.
Product: Credit reporting or other personal consumer reports

I want these account removed from my credit report which are listed in the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

H

ello, I want to explain you the situation happened with me. I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible.
Account number is below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

U used the loan docs to defraud deceive and XXXX me. You sent me the escrow breakdown to prove u could enforce an escrow account. U ignore the loan docs that say I can cancel escrow. I did cancel escrow. I canceled it with XXXX in XX/XX/2022 and multiple times here according to terms in the contract u used against me. U seem to use the contract terms selectively and fraudulently. You knew the escrow was canceled but u XXXX and XXXX me by billing me for it for a year. U know u never paid for the ins XXXX XXXX. But u refuse to acknowledge any of that and hold course like its all in my imagination. Prove u paid for my home ins XXXX XXXX. Prove that because u keep reporting it on my credit file despite the fact that u cant prove u paid it. U cant prove u paid it cuz it was canceled. But u dont care. U only use terms in the contract to XXXX  me. Prove u paid ins XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX XXXX # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

I was on a forbearance plan with Shellpoint mortgage and we agreed to restart payments in XXXX and instead I received bill saying I was past due and owed for the month of XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX AND IDENTITY THEFT. ive been contacting the credit bureaus for months and they have ignored my disputes sending them through a machine which is illegal in the first place.
Product: Money transfer, virtual currency, or money service

I deposited XXXX into coinbase account on XX/XX/XXXX, as of this morning XX/XX/XXXX, my money is still not available. They have repeatedly lied, refused to answer basic questions and continue to spout that this delay is for my own security and financial safety. 

The solution to the problem is making Coinbase prominently display ( 20 font ) the hold times before you deposit funds. A separate warning screen would also be very helpful. 

After I started having problems with Coinbase, I started to look into their reviews, they have an " F '' on XXXX and a 1 star on XXXX reviews. A deep dive by any and all Federal and State agencies needs to be done ASAP. Something isn't right with them. Please head this off before we have another XXXX situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2020 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Mortgage

I had a XXXX car accident in 2006 which left me XXXX and XXXX for quite some time. I am now clear headed and realize I was a victim of a predatory loan scam by Quicken. I now need to renegotiate this and/or get some relief such as the additional interest removed and a fixed rate. The loan has been sold several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Vehicle loan or lease

On XXXX XXXX2022 Bridgecrest reported an open car loan of {$20000.00} which is inaccurate factual reporting. It is a discrepancy on my credit file that I have been fighting for a month on the XXXX  XXXX XXXX. XXXX reported it as a " repossession '' when in fact it was inaccurate reporting. How can that be when I barely had the vehicle less than 2 weeks?? XXXX delayed the delivery date by a month. Continuously reporting of different delivery dates, they are reporting I am 2 months late on the loan. If they deemed it so, then why am I getting a late payment status? If as a repossession, then why am I marked as late payments as of today? I gave the vehicle back in its standing condition they gave it to me & Bridgecrest openly admitted unwind/ reversing the contract. I have a letter from XXXX stating that Bridgecrest backed out of the loan. Both companies openly admitted fault on false reporting. The account you are reporting is identified a " repossession '' is unacceptable and incorrect. How can I be behind on payments that was " repossessed? '' That is impossible to default on payments after the fact! I have the right to an accurate/ correct/ precise/ lethal credit file. Discrepancies, inconsistencies, deviations, lack of congruence, and obliviousness is quite insulting and discrediting to the hard-working American people. Immediately remove this from my account. Like I said, I have the right to an accurate, true credit reporting and this is so disgraceful and unfair reporting. Remove it at once!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 XXXXXXXX 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: Mortgage

Our COVID-19 related forbearance on our XXXX XXXX loan expires XX/XX/2021. 
In order to request a payment COVID-19 payment deferral we were instructed by a phone representative and via the end of forbearance emails we received from XXXX and TIAA bank , that we should fill out a mortgage assistance application in order to be evaluated for the COVID-19 payment deferral. 
On XX/XX/2021, we downloaded the mortgage assistance application, completed it, included all requested documentation, and mailed it to XXXX TIAA Banks loss mitigation department via USPS . We also emailed it to XXXX. 
Along with the application we stated : The forbearance plan for our Fannie Mae backed home mortgage loan ended on XX/XX/2021 and we are requesting a COVID-19 Payment Deferral.

Our COVID-19 related hardship has been resolved and we are able to continue making our full monthly mortgage payment. At this time, we are unable to afford a full reinstatement or a repayment plan to bring our mortgage loan current. 
Today on XX/XX/2021 we received a Flex Modification Solicitation Cover Letter and Agreement to sign. This is not what we want to do as it doesnt provide any deferment on our forbearance amount and will negatively impact our credit. We are able to afford the monthly payment under the current terms of the mortgage and do not want to extend this loan to 480 months. 
We immediately called XXXX and inquired as to why were sent this agreement instead of the requested COVID-19 payment deferral. We were told that because we completed the mortgage assistance application, we were applying for a flex modification loan. We told the representative we do not want a modification on our mortgage loan and would like to be evaluated for a COVID-19 payment deferral. 
I feel that XXXX isnt following all the requirements for a mortgage servicer post COVID-19 forbearance. As per the Fannie Mae Lender Letter ( XXXX ), we feel that we meet the Eligibility Criteria for a COVID-19 Payment Deferral. However, even though we specifically requested to a COVID-19 payment deferral, we have yet to be evaluated for it or offered one.
Product: Credit reporting or other personal consumer reports

For a couple months now I've been trying to deal with XXXX on fixing the error on one of my accounts. I've proved with files and confirmation numbers that I paid XXXX, XXXX XXXX payments on time for XXXX XXXX XXXX. They still haven't fixed the error,
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 
In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.