23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am unable to make payments on my XXXX credit card, issued by Synchrony Bank. I have tried to contact the bank on several occasions to resolve this issue, but I am faced with the following difficulties : The only available communication channel is an online chat. This option does not allow me to obtain the information and assistance I need to make my payments. 

I am denied the possibility of communicating by email. This form of communication would be much more convenient and efficient for me. 

To access my account through the phone system, I am required to make an international call. Since I live in XXXX, this represents a considerable expense that I can not afford. 

On repeated occasions, I have requested an email address from Synchrony Bank to contact them and solve my problem, but they have denied it to me. 

Request : I request that the CFPB investigate this situation and take the necessary measures to ensure that Synchrony Bank provides me with accessible communication options, such as an email address or a local phone number in XXXX. 

Declaration : I declare that the information provided in this complaint is true and accurate. 

I appreciate your attention to this complaint and I hope for a prompt resolution to this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the account was paid off and closed with XXXX XXXX. All three credit reports state the account is still open with a balance of XXXX. I have filed a dispute with XXXX, XXXX, and Equifax. The pay off amount was paid in the amount XXXX on XX/XX/year>.
Product: Debt collection

I contacted the company by letter and expressed that the debt in question was due to stolen identity. I was told that the would investigate this issue and get back to me. 
I received a letter stating that the information was correct. My problem is this my information was taken and used with out my knowledge and or permission. The letter that I sent to the company asked for copy 's of a sign contract, video and or me using this card all that the was able to tell me is that the application was completed on line and their investigation was correct. I sent a proof removal letter and a copy of the XXXX XXXX XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a police report and identification information. The following accounts listed on my Experian credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX Credit Card. The following credit cards are lost/stolen : XXXX XXXX XXXX XXXX Card, XXXX Credit Card and XXXX Credit Card. The Following credit inquiry is fraudulent and unauthorized : XXXX, XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to express my dissatisfaction with an item that still appears on my credit report. Despite my repeated efforts to have it removed, it remains and continues to negatively impact my credit score. 

The item in question is XXXX XXXXXXXX XXXX  XXXX. I believe this information to be inaccurate, as ID THEFT. I have provided documentation to support my claim and have made multiple requests for its removal but to no avail. 

I am extremely frustrated that this issue has not been resolved and I strongly request your immediate attention to rectify the situation. This incorrect information is hindering my ability to secure loans and other financial opportunities and I demand that it be removed as soon as possible. 

Furthermore, I will keep submitting these complaints until you resolve my issue. Your investigation was not satisfactory as it feels like you didn't even read my complaint. I will keep submitting these complaints until you resolve my issue. Your investigation was not satisfactory as it feels like you didn't even read my complaint. XXXXXXXX XXXX does not get a say in this. This is ID Theft. I have everything here from the police. Please remove this item. 

I would appreciate an actual human response and resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I charged an online purchase with my Macys Card. The following month I paid the amount in full. My payment was returned to my account unbeknownst to me. 

My account therefore received a late fee and negative comments on my credit report which lowered my score 50pts. 

When I contacted customer service, they removed the fee without me even asking and I paid the amount in full. Customer service then told me to call another number and a good will removal to remove the negative comments from my credit report. When I called that number they refused to do so. I need your help to get the good will removal as I have been repairing my credit score after a divorce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are XXXX inquires. 

XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Sent a mail letter to company regarding debt validation in XXXX XXXX They refused to verify this debt is owed by me. I demand a cease and delete an action as I am required by consumer laws section 615 [ 1681-1685 ].
Product: Student loan

I attempted to pay off two unsubsidized XXXX loans in lump sums, in the online Navient system, on XX/XX/2018. These were for the amounts of XXXX and XXXX. Because I have previously done this, my bank account was saved in the online system and was the default choice for these payments. I later found out, without any notification from Navient, that these payments were 'reversed ' because 'the bank rejected payment '. My bank had no record of them even attempting this payment ; the first Navient representative with whom I spoke told me they sent me notification of this reversal, which is not true. 

When I investigated, I found that my bank account that was stored previously in the system had been deleted from the system, despite the Navient customer support having a record of the attempt from my original checking account. This is suspicious. I do not mind having to re-enter my account, but Navient earned ~XXXX  dollars in interest by having my payments reversed and not telling me about it. When I tried to have this interest taken off future payments, they told me that they can not physically connect me to the 'processing ' ( disputes ) department, and that I must handwrite a letter to send in to their department, which will take 30 days to review. 

I hope this is not a common or intentional occurrence. {$7.00} dollars, while small as a once off, could amount to quite a bit over thousands of borrowers. As a separate issue, it is obvious that handwriting a letter to the disputes department, paying for postage, taking the time to drop it off at a post office, is their way of betting that you will not follow through with the complaint. There should be an easier way to make these claims online, as there is for virtually every other process in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account that does not belong to me or was opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Product: Student loan

Mohela does not show my forbearance payments made for XXXX and XX/XX/year>. Payments are sent from my bank ( XXXX XXXX ) directly to Mohela. Mohela has not credited my account. I do not want to contact them directly because they do not respond and getting to a live agent through the phone menu is impossible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 3 Account Number : XXXX Account Name : XXXX XXXX  XXXX Type of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 4 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : unsecured loan Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 5 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : secured loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXXm the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 6 Account Number : XXXX Account Name : CAPITAL ONE AUTO XXXX Type of disputed information : auto loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 7 Account Number : XXXX Account Name : XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Account 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  Account # : XXXX Balance : {$6000.00} Opened Date : XX/XX/XXXX
Product: Credit reporting

Another person who has the same name as me and lives in the same large metropolis as I do took out a loan. Although the creditor did not have my social security number or date of birth, the debt was reported on my credit report, not the debtor 's. I contacted the creditor, and they confirmed that they do not have any of my information ( address, phone number, SSN, or birthdate ) on file, but rather have different personal information about this person who has the same name as me. I 've disputed the issue with the credit reporting company and am awaiting a final response. However, it is inappropriate to put information on my credit report to begin with without any reason to think that the account belongs to me except for a common first and last name. The credit reporting agency has a duty to take very basic steps to ensure the accuracy of its reports, and it failed. Although I expect my dispute to be resolved in my favor, why should I have to go through this effort and wait 3 months for a resolution?
Product: Credit reporting or other personal consumer reports

I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.
Product: Credit card or prepaid card

On XX/XX/XXXX we requested that our cash back total on our XXXX XXXX XXXX XXXX serviced by Comenity Bank be transferred to our checking account on file with the bank. When the money never appeared in our account, I contacted customer service. That dept. suggested I contact fraud which eventually sent me back to customer service. I was told the money ( {$140.00} ) had been transferred. When I asked them to identify the account used they could not provide that information. On XX/XX/XXXX I initiated a dispute. On XX/XX/XXXX I received a letter dated XXXX requesting I call a number provided to resolve my inquiry. When I called I was connected once again to customer service who advised the inquiry had been closed without an explanation as to why. After speaking to several people who offered different speculations as to what happened ( rewards were never processed and they were applied to my account- not true ) I eventually spoke with a CS rep who actually tried to be helpful. He was able to determine after speaking with multiple departments that the rewards were sent to a bank account other than the one we had on file. We do not have other accounts. This rep was able to share the last 4 digits of the account used which do not remotely match our account. The bank claims we have responsibility for this and it is our loss. I initiated another complaint and asked for an expedited resolution. The secure message response to this was that the complaint process is 3 months which means they have failed to provide my rewards for over 6 months. This process has been very time consuming and in my opinion is designed to frustrate the consumer and result in resignation.
Product: Credit card or prepaid card

Hello, My complaint currently Is against XXXX XXXX American Express card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out XXXX XXXX
Product: Mortgage

Husband received Loan Modification for Mortgage XX/XX/XXXX. Husband died XX/XX/XXXX. I filed for Hardship and received constant delay tactics. I tried to pay off Mortgage Loan by sending {$160000.00} to offset the loan and get it to an amount that was affordable since I had not received permanent notification. When I received an amount for the hardship, the amount was higher than the original amount. Tried to get this matter resolved especially since I just paid against the Principal of {$160000.00}. So, I requested to keep the mortgage amount where it was originally since the modification did not work. GreenTree stated that the large amount was due to taxes, but My husband is a XXXX Veteran and XXXX. explained that the valuation of my property decreased so the taxes are less. GreenTree reported derogatory information against my credit report. Very distraught how the family of a XXXX Veteran is treated by GreenTree. I provided them with {$160000.00}. to get the loan paid in full, and continued harassment. The original signed loan agreement for the modification from my husband indicate that the amount in deferment may be due or paid when the Property is sold. I should just be paying taxes on the property and nothing else.
Product: Debt collection

XXXX ' personally identifiable information has continued to be trafficked by third parties without consent or copyright license through an organized criminal scheme aimed at depriving liberty under the color of law. XXXX has been impacted by this scheme in a new manner : through companies engaging in impersonation and unlawful conversion for extortionate extension of credit by infringing upon copyright laws for the purposes of slavery. 

These companies falsely portray themselves as lenders, when in fact they are unlawfully extending credit using the XXXX  ' own credit, while keeping the par gold spot rate value, by deception and without disclosure. They engage in copyright infringement by exploiting affiants ' copyright-protected indigenous property for their own financial gain, a form of modern slavery. 

In these actions, they knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright-protected indigenous property. This constitutes a flagrant infringement upon XXXX 's exclusive rights as a copyright holder, protected under the XXXX XXXX 's copyright registration XXXX, with the XXXX accession XXXX. 

Their actions represent a severe violation of rights and dignity, manifesting in the extortionate extension of credit through copyright infringement for the purposes of modern slavery.
Product: Credit reporting or other personal consumer reports

Both XXXX XXXX XXXX  and Equifax have agreed there is an obvious error reporting delinquencies in XXXX and XXXX of XXXX on a mortgage account that was PAID IN FULL in XXXX of XXXX. Both companies have ackknowledged it's an obvious error but both companies insist there is nothing more they can do ... Today I followed up with with Equifax using trouble report Reference Number XXXX, A case number that was provided from an earlier escalation to investigate on XX/XX/XXXX with a promise of resolution within XXXX hours ... Today Equifax, Agent ID XXXX told there is absolutely nothing more they are able to do and hung up on me when i asked to speak with a supervisor. 

I AM BEING DENIED A MORTGAGE LOAN AS THE DIRECT RESULT OF THIS NEGATIVE REPORTING
Product: Credit reporting

I am more than certain that my ex-spouse has used my ss # without my consent. We have been divorced since 2006. I really don not know what type of loan this is, but I have never inquired to this entity.
Product: Vehicle loan or lease

Hello, We leased a XXXXXXXX XXXX XXXX beginning XX/XX/2023 from Tesla XXXX XXXX XXXX in Virginia. The lease agreement we signed with Tesla on XX/XX/XXXX explicitly states when Tesla provides your car 's delivery window to you, you have a window of 3 days to in which to schedule your delivery to take possession of the vehicle. Tesla informed us on Tuesday the XXXX that the car would arrive XX/XX/XXXX and that we had to take delivery of the vehicle that day. I pointed out this provision in the agreement several times to the dealer, to which they responded that they did not care and they would not give us the vehicle after the XXXX. Given this was the end of their quarter, this was a high pressure tactic to meet quarter sales targets and violated the lease agreement we had signed with Tesla by not providing us the appropriate window in which to take delivery of the vehicle. I've attached the lease agreement which stipulates this condition under the section " Delivery ; Transfer of Title ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.