23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau Team, I have an outstanding issue with the received the Synchrony Bank Amazon account since XXXX, XXXX. I closed the credit card due to the Amazon discrepancies in charges/credit needing to be reconciled correctly. 

On XX/XX/XXXX, I replied and faxed my supporting documents to the Synchrony Bank Amazon Account team by certified USPS mail. I also sent the company a Demand Letter, to which they replied that it would take 60 days to have a resolution. So, I waited, and when I did another follow-up, I got the same request for information from Synchrony and reply again on XX/XX/XXXX. 

Attached are the consolidated documents submitted to Synchrony Bank Amazon account department : A recent document requested by Synchrony Bank and submitted on XX/XX/XXXX Demand Letter dated XX/XX/XXXX A letter from Synchrony Bank : We need more Information form dated XX/XX/XXXX, and my reply dated XX/XX/XXXX, USPS registered mail on XX/XX/XXXX A mail letter from Synchrony Bank on XX/XX/XXXX, acknowledging reviewing my inquiries I received a letter from the California State Controller indicating that Synchrony Bank couldnt reach me. I never moved or changed my phone number or email. 

I am requesting a {$1000.00} credit check to be sent to me. I have been getting a run around about my dispute. Please help! 

Thank you for your assistance in this matter. 

Best regards, XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Hello : I purchased a 95 year old foreclosed property at XXXX XXXX XXXX XXXX, XXXX, MD. I later found it had major structural problems so we demolished it. 

In rebuilding we came to realize the reason for the old structural problems was because it was once used as a landfill at some point thus rebuilding on a contaminated landfill will cause many issues with the new structure and also health concerns. 

I have been trying to communicate to the bank that that now has my loan ( not the original mortgage company who turned around and sold it to this current bank ) that I need a deferment to resolve the issues we have encountered ( the place was once a landfill/contaminated soil ). 
I have borrowed over XXXX to keep up with the mortgage and pay rent too. It 's not sustainable. 

Is there anything you can suggest I do? 

Thanking you for your response. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2024 Since then the account has repeatedly been updited as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitations. You faled to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

Purchased the home located at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX in early XXXX of XXXX. During that time, I, XXXX XXXX XXXX, had gotten sick in XXXX and I reached out to the company for assistance. As we were making our payments, we were denied a modification and were forced to do a short sale on the property in which we had a realtor involved. The realtor was in the process of submitting all the necessary documents for the short sale and due to negligence from Wells Fargo, they foreclosed on the property prematurely. I believe that we were wrongfully foreclosed on due to their unethical practices. We were trying to get the foreclosure reversed and we were speaking to upper management and all they said to us was that they apologized. Since then, there has not been any reporting of foreclosure on any of the homeowner 's : XXXX XXXX and XXXX XXXX 's credit report. I strongly feel that we should be part of the ongoing lawsuit against Wells Fargo for their unethical practices and their banking violations. If you have any other questions or need any additional information please contact me at : XXXX.
Product: Credit reporting or other personal consumer reports

I had my credit frozen with the secondary credit bureau like XXXX or XXXX, but Transunion ignore my credit freeze with these secondary credit bureau and released my credit files to third party. Also, I request an update on my address, spelling of my name, and social security number on my credit with Transunion, since it reflects wrong information. They never did update my request after sending copy of my driver license, social security card, as well my utilities and insurance bills reflecting my correct name and ss number
Product: Debt collection

this is my uncles phone number, they are calling for me i have told them to stop calling my family members just as my family has told them to stop calling but they continue to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XXXX XXXX  called my job XXXX from this number XXXX wanted me to pay her over the phone,. she also told me if i didn't I pay she could damage my credit for life and that i needed to pay her or by calling XXXX. I told her she was going to get me fired if she kept calling my job and demanded her to stop calling my job. she called again, shes been calling since XX/XX/2020.
Product: Credit card or prepaid card

Capital One has violated the Fair Credit Billing Act and the Truth in Lending Act.
Product: Checking or savings account

In XX/XX/year>, I opened a greenlight account for my daughter to invest some money. After 3 months, I wanted to close the account so I didn't have to pay the $ XXXX  monthly fee. The fee had been deducted from my daughters primary bank account. So, when Greenlight stated that the funds would be put back in electronically, I didn't question it. After 3 weeks and the funds still weren't there, I called to inquire. Greenlight stated that they didn't have that information and were going to mail the proceeds from the account to us. The verified the address. It's been another month and we still don't have the proceeds from the account. 

I feel that I'm entitled to the funds from my account plus any interest Greenlight has made off my money in the last 2 months illegally.
Product: Debt collection

Ive sent this company so many letters and they refuse to respond. I simply asked for proof of debt and they wont respond.
Product: Credit reporting or other personal consumer reports

These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX  XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

XX/XX/2018- XXXX XXXX from Conserved Called my place of employment Prior to this date I have received calls from Conserve from Different phone number, most times when you answer the phone no one says anything and the call is disconnected. A company representative will call back, and not address who they are or the intent of the call, while pressing you to validate your personal information, example : asking for last 4 of social, confirming DOB.

I have asked to be taken of their call list, and requested someone to mail me a letter. Have yet to receive anything via mail from Conserve regarding any debt collection ( s ).
Product: Debt collection

Debt is not mine. I have never used this company or its affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address is shown several times that are wrong. Phone numbers are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, GRAIN TECHNOLOGY LLC, XXXX and XXXX XXXX XXXX XXXX XXXX ARE REPEATEDLY VIOLATING MY CONSUMER RIGHTS PURSUNAT to 15 USC 6802 ( a ) which clearly states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
IT IS CLEAR THAT THE LISTED FINANCIAL INSTITUTIONS ABOVE ARE IN CLEAR REPEATED VIOLATIONS OF MY CONSUMER RIGHTS PURSUANT TO 15 USC 6802 ( a ) and 15 USC 1681b having no written consent BY ME, THE CONSUMER, NATURAL PERSON with all RIGHTS GIVEN TO ME BY THE MOST HIGH XXXX at birth. I DEMAND THAT THE ABOVE LISTED ACCOUNTS BE REMOVED FROM MY CREDIT PROFILES ON ALL 3 BUREAUS ( XXXX, XXXX AND XXXX ) WITHIN the next 7 business days or i will be forced to sue each INSTIUTION FOR KNOWINGLY AND WILLINGLY VIOLATING MY CONSUMER RIGHTS AND INTENTIONALLY CAUSING UNJUST HARDSHIP UPON MY LIFE BY REPORTING FALSE, INACCURATE, MISLEADING AND UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to XXXX  balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.
Product: Credit reporting or other personal consumer reports

My account TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history withXX/XX/XXXXand all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XX/XX/XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 168.SELF XXXX XXXX XXXX XXXX XXXX : SELF FINANCIAL/LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX weeks ago, I requested Equifax XXXX to send me a copy of my report showing all items being reported under my business. As of date, the company hasn't done so. I've contacted their office several times and they first advised me someone would contact me. The second time I was advised I needed to resend this request. Finally, today, I was advised someone would be contacting me from their management team.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX. Please delete this account ASAP.
Product: Mortgage

They Wells Fargo charged me XXXX for taxes ... for what tax ... I already wrote to you people ... the money that they charged me at the amount of XXXX for taxes ... I've told you people I don't pay taxes ... 
Now you have the paperwork of what they say ... .where they took the money for taxes ... they contradict themselves ... now it's not about taxes is about escrow..that they took the money ... .Mr. XXXX they Wells Fargo did what? Read the papers ... I already paid for wind and storm damage insurance and fire insurance ... so it there was no money collect from Mr.XXXX ... not from me ... 
Read the documentations where they did what? XXXX me over..where these XXXX sit on their XXXX XXXX ... they XXXX  up and they are trying to cover it up ... just give me my money ... 
from XX/XX/XXXX to XX/XX/XXXX ... taxes ... what taxes.. 
I graduated at the age of XXXX years and enlisted in the XXXX I was XXXX years old when I wet to fight ... in XXXX ... and get this XXXX from XXXX..as I said they are trying to cover up their mistakes ... so what if they get fired ... not my problem ... ask the XXXX ... everytime some crooked mortgage company takes over I have to pay more for my mortgage..WHY IS THAT? 
They stated that they sent a copy of the endorsed check..they are XXXX XXXX ... so one is going burn ... not my problem ... they had no right to take my money ... 
They owe me ... no wonder this country that I fought for..is so XXXX up..where XXXX XXXX runs these country ... but don't think for one minute, I that I will give up to these XXXX XXXX XXXX XXXX XXXX ... they play their game and I'll play mine and they will lose ... The corporate office is not far from me ....
Product: Debt collection

I had a collection on my credit report, but I paid it ( with proof ) on XX/XX/21 ( XXXX XXXX XXXX ). I called Receivables Management Systems to have the matter resolved, but XXXX XXXX ( or XXXX ) was extremely XXXX to myself and my XXXX. She also gave me an improper procedure to upload my proof of payment, and then would not verify with my XXXX  if my XXXX fax with the proof of payment had been received.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Checking or savings account

XXXX of XXXX I asked m and t bank for a loan of {$11000.00} they denied the loan and sent me a {$1000.00} credit card that I never asked for this was predatory lending for if would have gotten the loan I would have a business and and not been in debt the loan was denied on income m and t bank stated that I had not enough income but they should not have sent me and credit of {$1000.00} the which was given to place me in debt in XXXX I used XXXX and XXXXXXXX XXXX XXXX whith paying the {$1000.00} credit by the XXXX of XXXX XXXX year I would have paid this off but XX/XX/XXXX to present XXXX and XXXX charged me from {$600.00} to a {$1000.00} the fee of the debt rides I did not give XXXX or XXXX or m and t bank permission to take funds from my account so at least {$600.00} to a {$1000.00} was taken from me that I did not give them permission to take m and XXXX bank told me they would not dispute this or get the funds disputed to me reimburse me. From these feesI were charged by the three companies I lost potentially of at least {$3000.00} I could have made but because of that I sm in poverty and in debt m and t bank closed all of my accounts purposely so I can't pay or dispute the debt the debt is of at least {$26.00} a month which I never missed a payment on till recently which is not my fault I asked that m and t bank reduced the debt to nothing and also pay me compensation to {$3000.00} fir the lost for losing any account causes economical loss and debt and now all banks do not want to do business with me because of this also m and t bank won't provide me with no info about this at all so I can't pay or dispute the debt I ask that till this dispute is resolved that m and t bank send me emails monthly of the bank statements and fees of the debt every month so I can keep my A1 credit and also have the right to cash checks at m and t bank for government benefits or any bank because a bank has a duty to give a person the right to cash a check at any bank whether they have a account or not per the right to petition the grivances and the right no discrimination a constitutional right if m and t bank allows a person to cash a check with a account per the constitutional amendment they have to give this right to.all citizens of this nation also m and t bank discriminates on low income recipients such as low income benefits the reason my {$11000.00} loan was denied I asked fir this debt to be remedied to nothing and also compensation for my lost and give me a monthly bank statement of the debt and dispute and keep the acount not closed so I cam pat the debt monthly to the dispute is done or of not I can't pay also further when a low income person ask for a loan by XXXX XXXX this not decrease the benefits or counted as income and the XXXX beneficiary does not have to repay the loan per XXXX XXXX rule XXXX which states a person on XXXX is given all state assistance snd this does not decrease rease the benefits or counted as income.