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

I received a letter XX/XX/2019 from Synchrony Bank stating that my account was closed due to " the number of dishonored payments on this account. '' I called them and was told there were 2 dishonored payments in 12 months that prompted their actions. The dishonored payments were reflected on my daughter 's bank account when she tried to make a payment. I received a notice and immediately paid the balance in full on XX/XX/2019 before the due date. I've worked hard to build my credit for a future home purchase. I was told to reapply for another card. I don't care about the card, but the damage to my credit since I'm planning to buy a home next year. I've been making 100 % of my payments on or before time. My daughter called them and tried to explain, but they refused her explanation. I've learned a valuable lesson about Paypal. My efforts to be a good customer wasn't important to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists.

I Have Addressed This Situation Multiple Times Of Unverified Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation # 1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation # 2 Also The Law Fcra Section 611 Part ( A ) ( 1 ) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation # 3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On XX/XX/1997, Filed ( D.C. No 95-Cv-01743 ). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS CREDIT BEAURUS ( UNDER CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Product: Debt collection

I moved out of the XXXX XXXX XXXX ( XXXX, WA ) on XX/XX/2015 and the move out statement that the apartment complex sent me ( after receiving multiple dispute letters ) even confirmed that my lease expired on XX/XX/2015. Yet for some reason the XXXX XXXX XXXX are trying to make me pay for imaginary charges from XX/XX/2015, more than a month after I had already moved out. I 've already submitted multiple dispute letters to the Apartment Complex and to the Debt Collection agency, yet they still continue to harass me with imaginary charges. I literally did n't have any association with the XXXX XXXX XXXX in XX/XX/2015 ( neither a lease or living there ) and they are still trying to make me pay for made up charges multiple years later. I 've sent at least half a dozen dispute letters, and for some reason, to the XXXX that just means that they should harass me some more with imaginary charges. The most recent debt collection agency ( Rent Recovery Solutions ) has offered me a 20 % discount if I pay these imaginary charges, even after I sent them a dispute letter as well! I have XXXX and am out of work right now, preparing for a XXXX. This is the last thing I need in my life right now, any help would be greatly appreciated. What they are doing has to be illegal, they know I do n't owe them anything.
Product: Mortgage

Waiting for this company to investigate why the payments that was sent to their mortgage payment address says it was cashed and not applied or sent to my new servicer!. Its been going on since XX/XX/2022. Need mortgage payments from XXXX and XXXX to be sent to XXXX asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam : We have been contacted by consumer XXXX XXXX regarding the above-referenced matter. In XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reported negative information regarding XXXX XXXX 's mortgage payment. This negative information resulted in your agency reducing XXXX XXXX credit score by XXXX points. In XX/XX/XXXX, XXXX removed the negative information from XXXX XXXX 's file. 

Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Your agency must update his file and restore the XXXX points to his credit score. 

Please immediately re-evaluate XXXX XXXX 's credit score in light of the removal of the negative information and restore the XXXX points back to his credit score. 

Thank you for your cooperation with this request. Should you have any questions regarding the content of this letter, you XXXX respond to our offices in writing to the address above. Please include the intake number XXXX on any correspondence. Should you wish to speak with me, please call XXXX. You will need to provide the intake number when you call so that the matter may be properly routed to me. 

Very truly yours, XXXX XXXX For the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Telephone No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Discover card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago Discover sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from Discover Personal Loans. Discover, according to XXXX, has decreased my credit score from XXXX to XXXX ( see attached ). I feel Discover was negligent in offering an XXXX-year-old an unsecured loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX. 
2 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 3 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 5 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 6 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information on my credit report. 
Fraudulent accounts : XXXX XXXX XXXX Navy Federal Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 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 XXXX 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 right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

American express provided a welcome offer of XXXX XXXX points for the everyday prefered card, but there is a mis-understanding between American express and me on when I can downgrade or cancel the credit card without losing the welcome offer in terms of " keeping the account for 12 months ''. 
When I was charged for the new year 's annual fee ( I thought that is a sign I qualified for the 12-month term ), I submitted the request to downgrade the card. The agent did not remind me of the potential lose of welcome bonus! But days later, American express took away my welcome bonus because they think I am 1 month away from their 12-month term.

I immediately canceled the request for the downgrade ( which is allowed by American Express within 50 days ) and now I am still holding the original everyday prefered card. But American Express refused to reinstate my points because they determined I had the 'evil ' thought about downgrading the card ( which is not even successful ) within 12 months.

I just don't understand why they are so stubburn about their own mistake without considering how bad the service they provided.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to initiate a partial release for over a month and roundpoint refuses to start the process. On their application for a partial release it explicitly states that the consumer is to NOT order their own appraisal. 
Now, they're telling me they won't order an appraisal until they have a sales contract. I can't sell the property until I know how much it is worth and therefore need an appraisal. 
My customer care advocate XXXX XXXX Customer Advocate XXXX XXXX Ph : ( XXXX ) XXXX will not return my calls, voicemails or emails. 

I have every right to pursue a partial release of my property. Roundpoint Mortgage 's failure to even start the process has now cost me a month of my time and we are no closer. They are holding my mortgage hostage at this point and something needs to be done. Please help!
Product: Credit reporting

I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account 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. 

XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I noticed a few inquiries on my credit report that I do not recognize
Product: Credit reporting or other personal consumer reports

I wanted reported accounts removed from all creditors ( XXXX, XXXX, Experian ). These are the accounts that are inaccurate. XXXXXXXX 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

On XX/XX/XXXX I filed a complaint with CFPB against Synchrony Bank/Ashley Furniture . Synchrony called on XX/XX/XXXX to confirm receipt of the complaint. In the company response to the CFPB on XX/XX/XXXX, the response had attachments, and it shows the item signed for " XXXX '' on XX/XX/XXXX at XXXX. In none of the documents attached nor submitted, is there anyone in my household by that name. " XXXX '' is not my first nor last name. The vendor delivered to the incorrect resident. 

I called XXXX Customer Service on XX/XX/XXXX on a recorded line and they stated that during " that time '' ( meaning XX/XX/XXXX ) still did no-contact and sometimes the driver would sign for the items. I have initiated a complaint with XXXX  for allowing someone other than me to ever sign for a package that REQUIRED a DIRECT SIGNATURE. Per the XXXX representative, the Shipper listed as XXXX XXXX on an attached document on the company response, needs to initiate a claim to get a reimbursement so that I can have my credit reported accurately. 

This could've been resolved, or initiated sooner, but I was not provided a XXXX  tracking number in XX/XX/XXXX when I requested proof of delivery both in person and over the phone with Ashley 's Furniture and their Guest Response team. Additionally, Synchrony Bank/Ashley Furniture is still attempting to hold me responsible for an item I never received after viewing for themselves that the person that signed for the item is NOT the person whose name is listed as the recipient. Me. I did not receive any items nor did I sign for any items. Synchrony Bank/Ashley Furniture is continuing to falsely report on my credit under the remarks that the account is within FCRA. It is not. An improper investigation was conducted and reported to the CFPB by Synchrony Bank/Ashley Furniture .
Product: Debt collection

Last week we settled a debt with the law firm, XXXX , XXXX XXXX XXXX XXXX, XXXX. They represented Huntington Bank in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.
Product: Credit card or prepaid card

On XX/XX/2021, I went to the US BANK at XXXX XXXX XXXX XXXX in XXXX XXXX to make a deposit of {$500.00}. 

Initially upon entering the crunchy bills into the ATM, it rejected the deposit and spit it back out. I then straightened the bills and re-inserted them into the machine. That is when the ATM did NOT return all of my cash to me. 

I immediately went inside to speak with a banker. They referred me to the US Bank 1-800 number. I filed a claim with a banker over the phone on this very same day. 

Fast forward 3 weeks, no response. 
I then called US Bank again, and was told that a claim was never filed on XX/XX/XXXX. 
To my confusion and frustration, the gentlemen submitted another claim for me. That was on XX/XX/XXXX. 
It has been beyond the 7-10 business days. 
I have been calling US Bank diligently these past several weeks to no avail ; getting the run around from each banker and supervisor. 
This is truly disappointing as I have never had such a terrible issue with US Bank.
Product: Vehicle loan or lease

MAS FINANCIAL PRESSURED ME INTO EXTRA MONTHLY FEES IN TOP OF AGREED LOAN AMOUNT CAUSING DIFFICULTIES IN PAYING. I WAS HARASSED VIA PHONE CALLS AND DOCUMENTATION WAS MADE VIA EMAIL TO COMPANY. VEHICLE WAS REPOSSESSED AND LOAN AMOUNT STILL OCCURS ON CONSUMER REPORT
Product: Student loan

I've reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about getting information regarding the origin of my loan. My daughter graduated in XX/XX/XXXXand the loan seems to be from XX/XX/XXXX ( disbursement date ). When I ask about the original issuer of the loan and the original balance of the loan I do not get an answer. I feel like this loan is inaccurate and I possibly should not be paying this loan if information can not be given to me to verify that it is correct.
Product: Vehicle loan or lease

Lowcountry Credit ( Owned XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX I cosigner for my son on a used XXXX XXXX in XX/XX/XXXX. 3 weeks after we had the car it left him stranded radiator system was rigged per XXXX XXXX   mechanics. Two weeks tires started looking air took it to XXXX XXXX, told all four tires were dry rotted. Notified the the XXXX XXXX used car place notified the bank every time. Over 3 months time my son had a car he had missed work, towing fees mechanic fees because this car was sold and it was a dangerous car. Dealership offered to pit 2 new front tires on so they did. Again 2 more dry rotted tires. By XX/XX/XXXX the car was undrivable my son and I made NUMEROIS calls to the dealership and Lowcountry Credit for help getting him a different safer car bc they sold a lemon and they knew it. They absolutely would not budge. We voluntarily turned the car in. XXXX XXXX Lowcountry Credit had to come tow the car bc it was undriveable. Today XXXX I am trying to buy myself a car and I looked at my credit and this bank still had us on as owing XXXX dollars and we were in good standing per XXXX Problem is they never reported the repo so it looks like I owe XXXX dollars. They wrote a letter today stating they didn't repo it until XX/XX/XXXX which is a lie. We never made another payment as of XX/XX/XXXX and turned it in so why would they wait 5 months to " come tow the car : they didn't. Now they want to say it was only sold for {$2400.00} which is also them changing numbers in their co.puter to make it look the way they want so I supposedly owe {$9300.00}. Now they want to report it to the agency. Problem is they are lieing fraudulent numbers and IF it had been reported 2 years ago I would have it off my credit within the next year. This company is an old XXXX SC family owned business that has been defrauding the public for years and then they cover it up at MY expense. Please help. Their a bunch of dishonest crooks. They fix their books and records. 
Thank you