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

I have ordered my report from Clarity, and I notice a company on my account from XXXX and I have no knowledge of this account at all.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Account Name : XXXX XXXX XXXX Account Number : XXXX Charge : XXXX
Product: Credit card

In XX/XX/XXXX, I found XXXX charges on XXXX my unused citi credit card. I filed a dispute immediately. XXXX is solved easily. Then, I found that this {$10.00} from XX/XX/XXXX is back in XX/XX/XXXX. I called citi bank XXXX department immediately. I made it very clear that I had NOT used the card for more than XXXX year. I have XXXX other citi cards that I use daily. there is no incentive for me to use that card to pay any company. I am very worried about citi credit card security system. The staff asked whether I received anything from the vendor. I SAID NO. He told me that he will take care of this, and I do not need worry. 


I received a mail for the XXXX statement from Citi in XXXXXX/XX/XXXX week. Citi even charged me an interest for that {$10.00}. I was very disappointed. I called citi again. I asked to talk with a XX/XX/XXXX The person that I talked with is XXXX. I repeated the same thing. I did NOT do the purchase. I very worry about citi credit card system. That is why I check my account daily now. She told me that the used address in that purchase is not my current address. She said that she will take care of this and speed up the process. I did not get any response for XXXX weeks. 

After XXXX weeks, I sent an email to Citi ( XXXX ) to discuss my case. I did not get any response. The bottom line is that I DID not do the purchase. Someone definitely stole my personal information fromXX/XX/XXXXside system. Citi did not make any efforts to protect their customers.
Product: Credit card

Care Credit, Synchrony Bank Approved me for {$9200.00}. I Used the card for dental treatment in the amount of {$9200.00}. 

Made first payment of {$250.00} on XX/XX/2021. I have paid every month for the past XXXX months. I have never been late with a payment. they have chosen not to post my payment a day late however I have never gone past the due date of the XXXX of the month. My payment is now {$350.00} and my balance, from what I can tell, is now {$9300.00} and indicates that I am over the limit. Since I can not get any information from Synchrony Bank I estimate that I have paid them {$8700.00} dollars. Not a single penny has been applied toward the balance.. This was set up for payment over XXXX years. If the payment continues at the current rate I will have paid approximately {$24000.00}. This is more than 100 % interest.
Product: Money transfer, virtual currency, or money service

Located a puppy and trying to make a purchase of him online. XX/XX/2019 transfer {$800.00} to XXXX XXXX for the dog. Transfer through Bank of America XXXX on the XXXX transferred XXXX to XXXX XXXX because the dog was supposedly trap at the airport and they couldn't fly out needed a special crate would be able to refund upon delivery of the dog also through Bank of America XXXX. Did not receive the animal contacted the bank stated they could do nothing about it because it was XXXX I had to talk to them on Monday. That Monday they'll just took note of what happened and told me they would get back to me within 10 days. At the end of 10 days I spoke to them they indicated that they had found the transfer to XXXX XXXX they were waiting for XXXX XXXX to replace the funds. Did not hear from them call them again understood that for 10 days the notes and on someone's desk no one acted up on it which allowed this guy to get further away with my phones and separate my money for me even greater. Still not have heard a final response from Bank of America are XXXX I have the bill of sales the text message you sent back and forward in the emails that I received from these folks. Please help if you can
Product: Vehicle loan or lease

XX/XX/XXXX I put in an application with WESTLAKE FINANCIAL on XXXX for a XXXX XXXX XXXX XXXX  {$100000.00} XXXX. I was called and told I needed to put % XXXX down which is securities fraud as I traded a security for a money purchase loan yet did not receive funds for the loan pursuant to the EFTA. I as an investor into their company extended credit to them for Security Transfer Agent service and am not receiving benefit and am being discriminated against. Fiduciary duties are being denied per the Trust Indenture Act of 1939. The Securities Act of 1933, Securities Transfer Act of 1934 and the Emergency Banking Relief Act. Under WESTLAKE FINANCIAL 's SEC agreement they agreed too the, Equal Credit Opportunity Act, The Truth In Lending Act and the Electronic Signatures in Global and National Commerce Act. 12 CFR 1002 Regulation B, 16 CFR 433.1, 16 CFR 433.2. 12 USC 412, 15 USC 1691. If my application will not be properly administrated per Law, I will run a Securitization audit on said application and contact FINRA for securities fraud. 
XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have paid my mortgage on time since I purchased my home in XX/XX/XXXX. In XXXX I switched homeowners and was given a refund check for approximately XXXX from insurance co. I then called Lakeview Loan servicing insurance dept to find out how to get the refund check to them. I submitted check as directed. I continued to pay my mortgage and in XXXX XX/XX/XXXX received a statement that I was past due with a late fee. I had paid my mortgage on time for XXXX as usual. I attempted to call and was sent to automated system with no way to speak to a live representative. I continued to XXXX numbers and after several attempts and hours on hold I got someone in the insurance dept. the person told me they had not allocated the check that I submitted properly and then we Deere disconnected. I tried tirelessly to contact them waiting on hold for several hours without success. I then received a foreclosure packet. There was the same number that you can not get a live person. I emailed explaining I had paid my mortgage and even submitted photos of it coming out of my account with no reply. I finally called on XX/XX/XXXX and pushed the button that said refinance as I knew someone would promptly answer they connected me to the proper department. At this point I had 2 late fees and it has been reported to the credit bereau. The women I spoke to said she could see something was wrong and admitted my payments were there but there was nothing she could do but open a ticket she advised me to not pay XXXX! They are taking my money and giving me bad credit I am helpless and they are not willing to help!!!
Product: Vehicle loan or lease

I currently have a marine/boat loan with 53 bank. I had damage to the boat, and XXXX XXXX paid a claim. I had to send check to 53 bank for endorsement to pay the repair facilities. One month later I am still waiting on 53 bank to send us checks for the repair facility. I have called almost daily with excuses every day that someone else did not process the check to send to me. I sent detailed invoices for the repairs and how much was needed for each facility. Now one week later I am still getting excuses that the operations  director has not cut my check. I find this to be fraudulent behavior and its costing me daily storage fees since the work has been complete for two weeks.
Product: Mortgage

XXXX. Lost Job. Initiated Forbearance After 6 months they offered extending it. 
My hardship was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I applied for Social Security XXXX and approved. I have been trying to end forbearance for 2 years now. I sent everything needed for loan modification. My Loan Modification was finally approved and a Notary came to my home and finalised contract. I paid the first payment through my XXXX account. Auto pay. I was in a XXXX  during this time. My wife was handling it. When I came home from hospital I noticed the mortgage payment was denied 2 times. So I Called Mr. Cooper and they advised me that the Loan Modification was redacted and denied because My First payment had to be made over the phone. I had no idea. Even if I knew that I was in a XXXX at the time and could not. But The mortgage payments were sent and returned. 
I am a XXXX XXXX XXXXXXXX veteran of US Army of 20 years. This is a VA loan. My only asset. They denied my Loan Modification denial appeal and im now facing Foreclosure. Please help. Time is of essence as I could end up facing foreclose. With my XXXX XXXX XXXX XXXX XXXX. I need my home. I did everything within their policies. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, I purchased some XXXX XXXX Gift Cards from XXXX. Sometime between XXXX XXXX XXXX I tried to use them, but I was unable to use the cards. I found that the cards were compromised even before I purchased them. This company told me to FAX a copy of my ID, copies of the receipts and copies of the both front and back of the compromised gift cards. I sent the FAX on XXXX. 

The company acknowledged they received my FAX, however, they said the copy of my ID was illegible, so I have to send FAX again. I had to spend {$8.00} at XXXX to send FAX. I now have to spend more to get this problem solved. If I was at fault, I'm OK with that, but this company was the one who sold me the compromised card. These compromised cards should have been blocked and should have never been activated to begin with. In addition, I've called XXXX several times and talking to the customer service was hassle every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that I had disputed previously that aren't mine but are still showing on my credit. Please remove them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of the FCRA 1681b ( a ) ( 2 ) Trans Union and XXXX should remove these accounts as I gave no Permission for my NON PUBLIC PERSONAL INFORMATION to be transported because I did not give anyone Instructions therefore this is violating my PRIVACY RIGHTS so remove these items from my consumer report ( s ). 


Trade - XXXX  XXXX XXXX Trade - XXXX XXXX XXXX  XXXX Trade- XXXX XXXX XXXX  XXXX Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a Credit Reporting Agency can not furnish an account without my instructions.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

Data breach of XXXX Experian and XXXX my personal data was accessed in breach.
Product: Credit card

( Please attach this complaint to existing complaint number XXXX. ) I have requested that the merchants responses to case number XXXX ; case number XXXX ; case number XXXX ; and case number XXXX please be sent to me. Discover has told me these can be sent to me ONLY if I lose the lawsuit. The problem is that if I lose the lawsuit and I want to appeal I will not be allowed to introduce any new evidence to the appeal. In other words, its now, or never.
Product: Student loan

I took this loan just before starting XXXX XXXX  at XXXX XXXX XXXX which began on the XXXX of XXXX. By XX/XX/XXXX I realized this was not for me and dropped out. I knew I would owe some money so I contacted the school to find out how much. They contacted me back and let me know I owed XXXX. I contacted the lender to work something out and we did. I received a payoff letter for the amount of XXXX on XX/XX/2023 that needed to be paid by XX/XX/XXXX. The next day ( XX/XX/XXXX ) a new account was opened. I was alerted through an email. I immediately called TFC ( the lender ) and was told that XXXX renegotiated the loan for more money XXXX. Is this ethical or even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.
Product: Mortgage

I applied for a forbearance with prime lending due to hurricane XXXX. I was approved for the forbearance of my monthly mortgage payments {$1200.00}, for XX/XX/year> through XX/XX/year>. Within XXXX weeks of getting my forbearance I was already getting delinquent notices that I was late on my payment and phone calls I called prime lending to let them know what was happening and they brushed it off saying oh that's the billing department don't worry about it I called again and they did the same thing I called again and they did the assuring me that it would not go on my credit. I checked my credit score on XX/XX/XXXX and found out that my credit had dropped XXXX points that they've been reporting to the credit Bureau that I was delinquent on my monthly payments when I was on a forbearance and still am on a forbearance currently thus trashing my credit. During all of this they sold my loan as of XX/XX/XXXX to another loan agency. Making things exponentially more complicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online I went   to www.AnnualCreditReport.com to get the one free credit report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.
MY COMPLAINT :  XXXX  and Experian both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words, Experian and  XXXX  put up every possible roadblock to make it difficult to obtain the one free credit report per year that citizens are entitled to by law.
MY REQUEST : Please make   XXXX   and Experian comply with the law and provide citizens with one free credit report per year ONLINE like  XXXX  does.
Thank you
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX Bank was deleted from my credit report, on XXXX XXXX. On XX/XX/year> XXXX bank was added back to my report. According to the FCRA Reinsertion law XXXX I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Debt collection

I XXXX : XXXX XXXX XXXX agent to principal. Surety reserving all rights and securities and interest due to the principal claiming Equitable subrogation. Had Multiple times I have reached out for VERIFICATION OF DEBT not validation I have not received NOT ONE true bill, contract with debtor and creditor signatures, or copy of the records used to verify these debts the 3 times I have disputing them. I have the documents unfortunately files are too large but to complete a total of 90 days 60 days passed the lawful timeframe! Matter fact one of the debts are in litigation! And ones a hospital bill in order to have a true bill which is itemized and that would breach multiple laws and codes, that means they have accessed my private information! WhICH I recall SHOULD NOT BE FURNISHED BY LAW! 15 usc 1681 pursuant 16 CFR 313.4 right to privacy XXXX XXXX XXXXXXXX has broken HIPAA laws and gram leech BLILEY ACT! I require compensation for the constant defamation of character, furnishing incorrect debts, stress and pain 15 usc 1682. One of them WHICH IS A RENT debt, I'm still in litigation and I DEMAND IT REMOVED FROM MY REPORT IT IS AN OPEN CASE! The other is a hospital bill in litigation due to a car accident and my attorney has contacted XXXX XXXX XXXX  more than once might I add. I have not received a true bill, or original contract or notice giving my explicit consent to furnish my private information on MY CREDIT REPORT! THIS IS THE XXXXRD TIME I HAVE DISPUTED AND EXPERIAN IS NOT ACTING IN GOOD FAITH PURSUANT TO UCC! I demand Experian perform with compensation for effecting my credit score negatively and report derogatorily allowing those fraudulent furnishments by deletions, and monetary compensation. I have sent XXXX XXXX XXXX a Cease and Desist a Proof of Claim, Default and opportunity to cure. It would be much obliged to follow the FEDERAL guidelines 21 CFR 21.72 Right to privacy and disclosures. I have not given XXXX XXXX XXXX consent to furnish debt on my credit report nor have I a contract with them. UCC 1-308 ALL RIGHTS RESERVED Without prejudice
Product: Credit card or prepaid card

I wish I didn't have to file this complaint. However, I am at a loss when it comes to synchrony. I'm a victim of identity theft ; I had an individual completely take over my checking accounts during the holiday. I notified Synchrony 's customer service department on several occasions. Unfortunately, I never received the help in which I requested. I let them know that I was working on getting this resolved ASAP. Because I utilized my checking account previously to pay my SAMS CLUB/ SYNCHRONY account, all of my other financial institutions made arrangements to assist me. From my personal experience, it appears that synchrony punishes customers for being victims of identity theft. I received absolutely XXXX assistance ; I also notified several managers that I was having a hard time on the app removing my checking account that had been compromised as I could no longer use this account to fund my synchrony account. When I initially tried to remove the account, it said it was removed as a funding source, only to find out later that it was not. Identity theft, unfortunately, isn't remedied overnight. Based on Synchrony 's practices, they come off as very insensitive. I requested that my account be reopened as I found it unfair that it would be closed simply because I was a victim. I asked for help or other alternatives while waiting for my bank to investigate the account. We are a military family. We work very hard for everything that we have. I would appreciate it if Synchrony would show goodwill and reopen my account. For some reason, I also have a 30-day late which I don't understand, and I'm asking that the late payment be removed. I tried my best to be proactive and to get ahead of the situation. This did take place during the holiday. It took nearly until the beginning of XXXX for everything to be sorted out with my funding bank. The result was that I had to open a new checking account. This was for my protection. I want to think that Synchrony bank cares. I was asked to provide a letter stating that my identity being stolen was the reason my payments were returned. The issue with that, Is according to my institution. They can not free-hand letters ; they have to send out templates based on the situation. I asked if you guys would take a police report I was told no. This is entirely unfair. I aim to re-establish and maintain a great relationship with synchrony ; please help me with this.
Product: Credit reporting or other personal consumer reports

I went to car dealership to purchase a car, I pulled my credit report from all XXXX bureaus ( Experian, XXXX and XXXX ) Experian credit score was over XXXX points lower than the other XXXX, XXXX credit score was over XXXX points lower on the dealership report than the report I pulled from their website on the same day, XXXX credit score did not reflect what was on the report the dealership pulled was XXXX points different the same day. A lawsuit needs to be filed against ALL XXXX credit bureau and XXXX XXXX. These companies are unfairly reporting information and miscalculating credit scores. My credit score on XX/XX/XXXX from XXXX was XXXX, Experian XXXX and XXXX XXXX no activity until XX/XX/XXXX and ALL XXXX are under XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, there is misleading information on my credit report. XXXX XXXX claims i owe them {$3800.00}. I do not owe them any money or any companies they resprent. I asked them countless times to show me proof of me signing any documents and over 45 days passed and they never did. To my understanding of the fair credit reporting act this should be removed off my file as it is in accurate and i have no idea what they are talking about. I had this also on my equifax which XXXX removed but for some reason transunion never did.