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

Nothing is matching up. The amounts is incorrect. The dates is incorrect. I would like this resolved or removed off of my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.
Product: Mortgage

My husband passed away in XXXX of 2013. We had a mortgage with XXXX XXXX XXXX ( servicer ) When I tried to have everything turned over into my name I was told that I had not signed the note therefore I would need to assume the loan. My loan was than transferred to Seterus INC . I have been working with them for the past year to assume my mortgage but they are behind in the assumption dept. so my documents are expiring and I have to re-submit. I spoke to someone today that said I need a Non Recourse Assumption ad she was going to try and get info for me and I should call her back in a week. Seterus is a servicer for XXXX who purchased my loan from XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a dispute with Citibank over a {$1000.00} charge by a merchant. The merchant did not provide the services paid for. I sent Citibank all the necessary evidence showing what was agreed on and paid for, and proof that such services were not received. Citibank marked the dispute resolved in merchant 's favor on XX/XX/XXXX, one day after they received the merchant 's response without proof of rebuttal, stating that the reason was a lack of credit slip showing that merchant agreed to credit me back. However I opened the dispute in the first place exactly because the merchant refused to communicate regarding a refund, which is a prerequisite for XXXX customer disputes. I called Citibank dispute department multiple times and multiple representatives there have told me various different things. For example, on XX/XX/XXXX, I was told that a referral had been submitted to the investigation team to consider re-opening the case and that'd I'd get a response within 5 - 7 days. On XX/XX/XXXX, with no response, I spoke to another representative who re-submitted the request and guaranteed a response within 24 - 48 hours. On XX/XX/XXXX, still with no response, I called again and they told me I'd get a response within 7 - 10 business days. On XX/XX/XXXX, still with no response, I called once again and representatives XXXX and XXXX both told me that they put in a request for manager callback for me and a dispute department manager would call me back within 24 hours. 24 hours later on XX/XX/XXXX, XXXX no response, I called Citi dispute back again and finally got a manager, XXXX, on the phone. Surprisingly she told me that the dispute case is still open ( contrary to what everyone else has said previously and what shows up on my Citi online account ), and that I have until XX/XX/XXXX to provide the credit slip or any additional evidence. She acknowledged that services paid for were not rendered, but reiterated that a credit slip was necessary for Citibank to continue the investigation. 

Citibank 's frequent delays and inability to actually investigate the case and issue a chargeback on the merchant while they all necessary evidence are unacceptable. Closing / stopping the dispute because of lack of credit slip is in itself contradictory to the purpose of credit card disputes. This is against Mastercard International Rule for " Goods or Services Not Provided '' under code XXXX.
Product: Credit card or prepaid card

Unlawful and deceptive acts and practices are being used by Care Credit via Synchrony Bank. They are charging me double interest and they claim this was made clear at the time of signing. When I applied for credit I did not see any language obviously visible to me regarding interest being calculated on the total owing, not the remaining principal. 

After discussing with the creditor, they are reluctant to provide any information tegarding how my payments are being applied toward the balance. The monthly statements are misleading and do not delineate how much I have paid to date, how much interest is owed in total or disclose in an obvious manner that I am paying interest on top of interest. I feel I have been taken advantage of and been the victim of misrepresentation of a circumvented agreement. 

The agent I spoke to today said there is no difference between principal and interest and it is very confusing to the average consumer. 

They even charged me interest after 6 months worth of payments on the original balance as if I had not made a payment at all. I am happy the CFPB protects consumers who have been baited into situations such as the one I find myself in.
Product: Credit reporting or other personal consumer reports

There are unauthorized and fraudulent information currently appearing on my credit report. As a victim of identity theft and The EquifaxData Breach and The XXXX breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries including XXXX critical findings tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Repofting Act ( FCRA ).

This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters in the past requesting Equifax to remove the consumer statement off of my credit report. They have not responded to my letters and they have not removed the consumer statement from my Equifax credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attemptes to get old.information removed from .y credit report that 8s over 2 years old.
Product: Credit card or prepaid card

My secured credit card with a {$300.00} limit was charged on XX/XX/XXXX from XXXX XXXX XXXX XXXX  for a total amount of {$2900.00}. Upon looking at my statement I immediately called TD and disputed the charge and closed the card. After waiting my dispute was denied because of chip on chip transaction. Again I disputed the charge and received the same answer. I called for a third time and said they would try again but it would most likely be denied. TD bank failed too send alert for the transaction or verifying it being that my card only has a {$300.00} secured limit and cant be charged more than that and i have only mad transactions on my card for under {$20.00}. This morning i noticed another charge from the same company for {$190.00} and was told from TD that i have too wait to try and dispute it, even though i still havent received my new card yet from them.
Product: Debt collection

XXXX**DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and *VALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within XXXXhirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including excessive calling must cease, moreover credit report deletion. 

Sincerely, XXXX XXXX
Product: Debt collection

Glasser and Glasser Inc a debt collector garnished my Social Security XXXX Income directly from my XXXX checking account. I had informed Glasser and Glasser that I was no longer employed due to my health right after it occurred in 2014. They sued me and took me to court on XXXX occasions, even though I never signed the subpoena or was home to receive it. On good faith, I went to both hearings to explain that I was ill and now on XXXX. Glasser and Glasser worked with my bank, XXXX, which per XXXX is " their credit department '' to garnish my checking for {$4300.00} and the same amount in my savings, duplicating the charge. When I contacted Glasser and Glasser to resolve this, they required me to provide proof of my XXXX, which I did within 10 minutes. They did call me back immediately after I sent the information and acknowledged quickly they could not garnish XXXX wages and would " review my account and tell the bank to release the hold ''. I kept pushing to understand if they were refunding me the garnishment and I was provided a legal answer which skirted the real answer. I was told " they would review it ''. Also, disheartening is they new bank account information regarding the charges, way more than the actual XXXX representatives did. How can a debt creditor have knowledge of my bank transactions ( yet also claim to be unaware I was receiving XXXX when it is direct deposited into my account every month )? I even told Glasser and Glasser over a year ago that I was on XXXX and very ill. I was told on the phone today when calling about my garnishment that when they received my proof of XXXX income that " the process of them reviewing the charge and going back to court will take time '', but could n't tell me how long. That {$4500.00} was going to medical treatment I desperately need now. Either way, Glasser and Glasser was negligent and their actions were illegal as they garnished XXXX wages. They also never gave me any chance to offer a good faith payment ( which I had done my best to work with them and stay in contact before I became very ill ) or notification of the garnishment, which ironically I was working to do. All the creditors that I worked with negotiated a settlement. Glasser and Glasser would not and now has decided to go the illegal route.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Product: Vehicle loan or lease

I bought a used car at XXXX XXXX on XX/XX/year>. They never informed me the car title was salvage and scrapped. Last month the car turn the airbags light and I took it the XXXX XXXX because that was under the main Dealer warranty and fing out the car had a salvage and scrapped title. Do not have air bags and other safety requiment, because it was rebuild after being considered total lost. I went back to XXXX three times and they never answered my questions and concerns. They try to show surprace with that title information and yesterday when I went there for the third time they show me the car title for the first time that said salvage and rebuild showing me they were aware of it the entire time and just scam me as a customer never informing me the real condition of the vehicle.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped over 40 points. I logged on and found that Foster And Monroe LLC had illegally posted a collection account and the original creditor was XXXX XXXX, XXXX. I have never heard of nor had an account with either of these two companies. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$9200.00} I have no know knowledge of these two companies nor this debt. I have never had an account not any dealings with either of them. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requesting evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. When I got the email on XX/XX/XXXX, I proceeded to contact them via phone number that was listed on the account ( XXXX ). From the first time I called up to now, no one is picking up the phone and the phone line says to leave a message. There is no other contact information, but by phone. However, there is no voicemail prompt to leave a message. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. FOSTER AND MONROE, LLC. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX
Product: Credit card

I was offered a 20 % discount with Lowes through synchrony bank, which I immediately redeemed with a new purchase of a storage shed that was about {$1000.00}. After my purchase was made, the store canceled the order without contacting me, since I had already made the purchase, it used my code, so when I tried to make another purchase, it said that the code had already been used.

I tried to call the Lowes and synchrony but was never able to reach a person, until today. 

When I explained what happened I was met with a highly unreasonable response and a refusal to honor the discount code that was the reason I signed up for the card in the first place. 

This is an unfair and possibly deceptive practice to entice people with discount codes to sign up for their credit card, then make it difficult to reach a person who can help, then refuse to honor the discount when someone does manage to get through. 
This company has no controls in place to ensure that discount codes are honored and reinstated when a purchase does not go through. Instead, they apparently leave it to the customer to struggle through their automated phone system until they give up on it. 

I've spent hours of my life trying to resolve this with the synchrony to no avail, all this while just having a baby and trying to deal with that as well. 

As a sidenote, when I asked for a number to corporate, I was told that there is no phone number, and I must mail them a letter. Further highlighting the red tape this company has in place to avoid honoring their promotions.
Product: Debt collection

I have received several phone calls from XXXX team in an attempt to collect a debt from a payday loan I received from cash central in XXXX. This debt is well past the statue of limitations for legal action yet they are stating they already have a lean on my property and are stating they aren't attempting to collect a debt, but that it is a legal matter instead so the statue of limitations doesn't matter when I speak to them over the phone. I have since asked them to stop contacting as well.
Product: Credit reporting or other personal consumer reports

I was applying for a refinance on a property I own and when the mortgage company ran my credit my trans union score was not showing up at all. So I checked my credit karma and there also my score for trans union showed XXXX while my Equifax and Experian were both in the high 700s. I called trans union multiple times, and after hours of waiting on hold to get to a manager they tell me it should be resolved within 5 days and gave me a file number. I check now about two weeks from this last call and still no change. So I called again today spent like an hour on the phone then got transferred to another manager who told me the same thing. Its been almost a month and I can not proceed with the refinance till I have my trans union back to normal, at this point I will have to put it in one of my partners names but I need this to be fixed for the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education Account number:XXXX XXXX XXXX XXXX Account number : XXXX They have violated the following : 15 USC 1681 section 602 A states that i have the right to privacy.

15 USC 1681 section 604 A section 2 It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm writing this letter to dispute certain information that is falsely listed on the credit report referenced above the inaccurate information appear on my credit report is as follow
Product: Payday loan, title loan, personal loan, or advance loan

I had a payment scheduled through auto pay to the company. On XX/XX/XXXX, XXXX payments of {$190.00} was taken out of my account. Only one payment of {$190.00} was to be withdrawn. Ever since, I have reached out to the company with several phone calls to the office that the loan was originated. Along with emails and a call to their corporate office. I also had my bank involved, but they have a problem with cross communication to help solve the problem. The corporate office called me on XXXX XXXX telling me that they initiated the reversal of the extra payment and should have it in my account no later than XXXX XXXX. I called the local office to make them aware that I have not received my payment and assured me I would have it on XXXX XXXX. I have not. I emailed the local company to tell them this, and I have not received a return email or call. I explained to them this is our household money and need it returned asap. This has been going on since XX/XX/11. Insane business practices.