23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

when checking my credit score XX/XX/XXXX. I noticed my credit score with XXXX had dropped 22 points. After careful review of my credit file. I saw that XXXX  and XXXX  were both reporting a decrease in my credit limit for my Synchrony XXXX XXXX  account. I also noticed that only the XXXX   score changed. I reached out to Synchrony and was told a letter was sent to me XX/XX/XXXX explaining why my credit limit was reduced. A manager for Synchrony accessed a digital copy of the letter and explained the decision was made based on derogatory information submitted by XXXX in XX/XX/XXXX of  this year.

When I made my purchase in XX/XX/XXXX, Synchrony ran my report and made me an offer of credit based on my current credit status. I accepted the {$2500.00} limit in good faith. I made all payments with the exception of one on time. When I look at my credit score trajectory since XX/XX/XXXX, it shows an upward trajectory with the only dip coming this month when Synchrony lowered my limit. I speaking to one of the agents this decision is based on an automated computer program that could possibly have flaws. Based on this information and the positive trajectory of my credit score, I am disagreeing with Synchrony 's decision to lower my limit as it has had a negative affect on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00}
Product: Debt collection

This item was purchased by a third party debt collector, Rent Debt Collection Agency. This account must be deleted as the status is not correct, the amount inaccurate was paid for less than owed by the third party Collector. The information reporting is inaccurate my actual residency during the dates debt collector indicates bill was generated is wrong. My correct residency was Massachusetts As you can see by my attached report and highlighted issues. This information is not correct and must be deleted. 

How much did the collection agency pay for this account? This is a clear indication of violation of the FCRA as this is not accurate or complete. 

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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX with pre legal XXXX services left me a voice message on XX/XX/year> @ XXXX regarding pertinent information regarding a case filed against me. That she has my full name address and social that is due to be forwarded to XXXX XXXX municipal court and sheriffs office. XXXX this matter is time sensitive and requires my immediate attention. If I wish to settle this matter outside of a courtroom Setting by all means call directly XXXX She shared that they had previously mailed me documents. So I had her email them to mebut I did not click the link in the email. She slimed to be with XXXX XXXX XXXX XXXX XXXX department. 
The email came from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$950.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2019 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 after multiple attempts to log in to the website on days prior and multiple attempts to call in on this date and days prior, I was able to access my new mortgage in the telephone system.  On the website it clearly states they will not accept post dated payments, yet the website and the phone system only allows a payment to be dated the following day.  An agent in the following month told me that the day you call in your payment is logged in.  It was not.  It was posted on the following day,XX/XX/XXXX, and a 30 day late reported.  I paid in the 30th day.  I did the same thing the month of XXXX  I attempted again to log in.  I could not make a payment this way. In XX/XX/XXXX  Then I made 11calls, ultimately being able to finally get in the system and after 7 attempts, make a payment, approximately XXXX at night.  I was then told that this payment was posted on XX/XX/XXXX.  I was not aware of this until I learned that a 30 day for XXXX was reported in this day—again if this is the argument that they will ding me for a 30 day in XXXX and post my payment onXX/XX/XXXXand then I pay on XX/XX/XXXX, they are positing it on the 30th day.  This rationale then does not make sense.At that time, then an agent told me we posted it toXX/XX/XXXX because it was EST and you are CST, and this is clearly on our website.  It is not.It also clearly says that post dated payments can’t be made.  That is apparently the only way that you can post a paymentnonline and onthephone unless you speak with an agent.   None of this is adversitied.I disputed this when I found out about it the first time in XX/XX/XXXX.  It has been 30 days and I have not heard.  It took me escalating it a second time with all 3 bureaus and escalating it.I then got an email stating they would consider the dispute but they did not want to get a deragotory for retracting a late report, that it is adverse against true company.  They then proceeded to tell me that if I pay late it in the month or on the last day I need to speak with a representative and then they will post it immediately.Every story is inconsistent and the website does not support what I have been told nor what is typical operating practice (payment posts when called in).  I feel this is false and fraudulent credit reporting advertising and is false advertising for informing consumers.  I essentially have been denied the opportunity to use technology and use the paperless option and have a dependable system.  I have been denied the opportunity to maintain a spotless mortgage history.  They have reported two 30 day lates in a row.I want these deleted.  THe  company did say they value my business and appreciate the feedback.Please get these deleted from my report.
Product: Debt collection

I sent a letter stating that I wanted to validate the debt they then turned around and stated it was a payment agreement in no way was it an agreement and payment plan like they stated. I asked for information to let me know what the debt is to give me time o validate. At this point they are making false statements. I do. It have a contract with any third party billing as well. Not one. Taking my documents to ask for validation is not a legal or even ethical statement or payment plan. At this point I will be contacting a lawyer. They are intentionally misrepresenting and making false statements.
Product: Debt collection

Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$810.00} due to unforeseen circumstances. 

I can instead offer the total amount of $ which is 75 % or {$200.00} as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX
Product: Debt collection

i have been getting collection calls about a XXXX XXXX some say is {$680.00} some say its {$350.00} -- I even got an email for over XXXX for a couple years and gave information several times that is not the balance owed if I owed anything and XXXX XXXX who I believe is the XXXX company to contact me and still never take the time to correct the balance which they are reporting to the credit bureaus. I filed a dispute through XXXX and they responded in record time lying saying the balance was verified. I emailed them on XX/XX/year> requesting the actual bill or a copy of any documentation about the bill and they have not responded at all. I am simply asking for the proof of the balance that is affecting my XXXX XXXX. in the past when i asked for the corrected balance they never provided it they would just have someone call me back with a settlement offer. I will not settle until they provide documentation and proof of the balance.
Product: Debt collection

Get these perjurous panhandling frauds out of my inboxesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Vehicle loan or lease

Bank of America has discriminated against me with an adverse action, CREDIT IS MY RIGHT according to congresses definition under 15 USC 1602, Bank of America has committed a law violations according to Congress under 15 usc 1681a, 12 CFR 1002.7, ADVERSE TO MY INTERESTS AS A CONSUMER. By definition according to Congress and 15 USC 1691 the explanation of ACTIVITIES CONSTITUTING DISCRIMINATION SAYS IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. The law is clear on this and these laws have been set into place to protect consumers from DISCRIMINATION, and UNFAIR BANKING. I exercised my rights granted to me! This is considered unauthorized use 15 USC 1602 ( p ) because me being the card holder has received no benefit from this transaction. Consumer Financial protection bureau states credit report is optional by corporations, Bank of Americas policy do not supersede federal laws set into place to protect me. I have been more than fair on resolving this matter but it seems Bank of America chooses to be willfully negligent and noncompliant to the laws on this matter. This could lead to criminal liability and civil liability.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I had a 30-day late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payment for the account XXXX with account number : XXXX. Please investigate and provide proofs with statements showing that the payment was late. If a proof can not be provided, I demand these 30 days late payment be updated to ON TIME as it should be because I never been late. Thanks
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on Transunion is Late 60 Days. 
The Payment Status for this account on XXXX is Late 30 Days. 
The Payment Status for this account on XXXX is Current. 

This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account XXXX : XXXX
Product: Mortgage

I have been trying to apply for FHA loans and the application process hasn't moved since I applied. Also, I was told getting a more expensive house : which is out of my price range, would be better for me to obtain a loan more easily. Even though I know I have an acceptable credit score I am still getting denied or not getting a proper process. I missed out on the property I was trying to purchase due to the non-communication from the loan officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I talk to a lady name XXXX in the consumer affairs office at Equifax, XXXX XXXX refuse many times to remove / delete a {$40000.00} delinquent 15 old account off my credit report, XXXX XXXX to remove a SSN thats not mind off my credit report, XXXX XXXX to remove / delete XXXX address thats not my address at all off my credit report, XXXX XXXX to Remove / Delete my middle initial, XXXX XXXX to remove a formerly Known name that I never used off my credit report XXXX XXXX XXXX to remove / Delete a account that was removed from my credit report & put back on my file with out sending me a letter with 5 days explaining why the {$320.00} Account was put back on my credit report
Product: Debt collection

IN REVIEWING MY XXXX REPORT THIS IS STILL SHOWING ON MY CREDIT.DATE LAST REPORTSD IS XX/XX/XXXX XXXX. THE AMOUNT XXXX IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been disputing an item that equifax is inaccurately reporting. It is a public record that they are reporting. It states a NJ tax lein in the amount of {$11000.00}. NJ State Superior Court, XXXX XXXX XXXX, XXXX NJ XXXX, XXXX. I have never had a tax lein. In fact i received a nj tax refund this year. I called equifax and they said they verified that it is correct. Which is incorrect because i called NJ State Superior Court at XXXX and Equifax has never called to verify this information. Nor do they have any such record of a tax lein against me on record. I have been disputing this in accurate reporting since XX/XX/2016.
Product: Mortgage

I recently refinanced my home mortgage with Wells Fargo. My complaint is that Wells attempted to delay payment of my school taxes from the old mortgage 's escrow account in a way that resulted in the new, refinanced mortgage having a higher balance. It 's complicated but this is what happened : - My local school taxes are due in XXXX. Each year, Wells Fargo would make the payment ( around {$3500.00} ) from my escrow balance. I applied for the financing in XXXX, with an eye toward completing the refinancing in XXXX or early XXXX. But I had questions about what would happen to the escrow account. The Wells Fargo loan officer explained to me, in XXXX, that the outstanding escrow balance, which was peaking due to upcoming payments, would be used to pay down the principal on the original mortgage. For example, if the payoff amount on the loan was {$150000.00}, and the escrow balance was {$6000.00}, at closing, that {$6000.00} would be applied to the loan, bringing the balance down to {$140000.00}. That seems positive -- but I would still on the hook to make the {$3500.00} tax payment in XXXX. I became concerned that, if the refinancing closed before the school taxes were paid, I would need to come up with an addition {$3500.00} at closing. Wells Fargo told me not to worry. In an email, the officer told me that the school taxes would be paid in XXXX before the closing, which ended up being scheduled for XXXX XXXX. I kept an eye on my mortgage account online, but the XXXX payment never posted. Finally, a couple of days before closing, I called Wells Fargo 's call center and they told me the tax payment had been put on " hold. '' They did n't pay my school taxes as expected and promised. Then the kicker : I received the Closing Disclosure from Wells Fargo. My outstanding escrow balance was being used to pay off the old loan, as they told me it would. But they added to the loan principle {$3500.00} for outstanding XXXX school taxes and prepayments for 11 months of school taxes for XXXX. By delaying payment of my XXXX school taxes from escrow, they effectively inflated the balance of my new loan by {$3500.00}. The interest on {$3500.00} on a XXXX, 3 % loan is not much. But if this is their standard business practice, Wells Fargo can incrementally boost their customers ' mortgage balances, at least during months when big tax payments come due. Multiply that by XXXX or mortgages over many years, and it 's real money. 
I told my mortgage officer that I would walk away from the loan if the school tax was not made. Wells Fargo did do this. But if I had n't made a stink, I would have been out {$920.00} in added interest payments over the life of the loan ( see attached closing disclosures ).
Product: Student loan

I submitted a discharge application for forgery/identity theft on XX/XX/2020. Despite being told it would take up to 10 business days to process my application and receive a final determination, it has been almost 5 months and have yet to receive a final determination. I have yet to even be advised as to what the unnecessary hold up is.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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: Debt collection

For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? I did my research on this company and found that not only are they attempting to collect a false debt, they are also not legally licensed to do business in the state of Georgia which this information can be found on XXXX XXXX XXXX it is against the FCRA to collect on a debt that first of all is not true, and even more against the law when you are not licensed to do so. 

I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.