23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. My loan # with Nationstar is XXXX. Previously the original loan was done with XXXX then sold to XXXX XXXX XXXX. XX/XX/XXXX due to the real estate crash XX/XX/XXXX and loss of income we were not able to continue making our payments of {$2100.00} We have gone though the modification " torture mill '' with XXXX XXXX XXXX for several years then Nation-star for over a year now who had repeatedly denied our modification even after being qualified with the HUD agencies . I filed a complaint with cfpb and now they have decided out of fear to give me a trial mod of {$3800.00}. From {$2100.00}. to {$3800.00}, Now this is just setting us up to fall on our face again. The loan amount is over is {$130000.00}, more than the market value. 
When I contacted them today and spoke to XXXX in loss mitigation, she told me that I can either short sale the property or just sign a deed in lieu. Please help me save my home.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the persistent issues and multiple unsuccessful attempts to rectify the delayed opening of my account with Credit Bureaus. Despite my continuous efforts to resolve this matter, the issue remains unresolved, causing significant inconvenience and concern. 

I initiated the account opening process with your institution, and unfortunately, I have encountered repeated delays. I have diligently followed all required procedures, submitted the necessary documentation, and complied with your institution 's policies. However, the account remains unopened, and the lack of progress is causing undue stress. 

I have made numerous attempts to address this issue by contacting your customer service department, providing additional information as requested, and patiently awaiting a resolution. Regrettably, these efforts have not yielded the desired results, and the matter persists, impacting my financial plans and causing unnecessary frustration. 

Attached is a detailed record of my interactions with your institution, including reference numbers and specifics of each attempt made to resolve this issue. I urge you to review this information comprehensively and take immediate action to expedite the opening of my account. 

As a prospective customer seeking to establish a relationship with your institution, the current situation has fallen short of the expected standard of service. I understand that challenges may arise, but the repeated delays and lack of communication are unacceptable.

I request that you prioritize the resolution of this matter promptly and provide clear communication on the steps being taken to ensure the timely opening of my account. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to explore alternative banking options and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX XXXX. Someone had that account transferred/sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. 
I am a living human being. 
I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. 
And they violated my rights several times. 

I demand the inquiries that are listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these inquiries. 

Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX BANK XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  CREDIT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  FINANCIAL Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX AUTO FINANCE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  LENDING SERVICES Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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: Debt collection

I have received a letter from this company attempting to collect money on an alleged debt that i do not owe. on the top of the letter it has a company logo ( infringement on my rights to privacy per 15usc1692b ( 2 ) and 15usc1692f ). In the letter it threatens to harm my score with the consumer reporting agencies violating 15usc1692d. In return damaging my reputation 15usc1692d ( 1 ). This letter was found to be very obscene to me, asking for payment on a debt that i do not owe. violating my rights under 15usc1692d ( 2 ). can you please help me with this matter.
Product: Money transfer, virtual currency, or money service

I have been sending money through Zelle for years and before there was never a way to verify if the person was actually a confirmed person. There was no warning or verification step which led to transactions being sent to the wrong individuals and left my funds vulnerable everytime I attempted to use Zelle which we all assumed was the best option because it was through our bank. I thank XXXX that I never lost a huge amount but money has been lost. I would Ike to join the lawsuit against the EWS and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute ( s ) with Equifax regarding accounts reporting on my credit report on XX/XX/2020. Equifax received my dispute letter on XX/XX/2020. On XX/XX/2020, I mailed them a 30 day no response letter. It is now XX/XX/2020 and I still haven't received a response from Equifax.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX performed an inquiry ( XXXX  consumer inactive ) I am unaware of what this inquire is about and why is it performed. Due to this inquiry my XXXX XXXX credit card was affected. My credit line was decrease significantly due to inaccurate information given to them by XXXX. I did not give permission to XXXX  to pull my credit report nor to supply my information to them. XXXX has stated that XXXX has supplied information stating that I have accounts that are delinquent. As of today I am unaware of any delinquent or negative accounts.This action has caused my husband and I emotional distress.
Product: Credit card or prepaid card

City National charged interest fee on two of my accounts on XX/XX/XXXX, one for {$18.00} and {$1.00}. The problem was I made the payment on-time or so I thought as always on the XX/XX/XXXX of every month, which has been my due date for the past few years since I've been with them. For some reason City National changed the due date to the XX/XX/XXXX on all of my account without prior notice and I just found out when I saw the interest charge. I contacted City National and the agent refused to credit me the interest fees. It would've been fair without prior notice and reminder for the new due date then I would've paid on time and avoided interest. Companies can't just suddenly change payment due date and catch people off guard then charge interest on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm stated that my accounts would be reported to the credit bureaus, which I was fine with. However, I have made over 3 years worth of on-time payments to affirm and never once did they report those payments. Then, out of nowhere they report 3 accounts as past due AFTER I paid them and AFTER they told me that it wouldnt be reported bc I was slightly behind due to an issue with my bank that was recently resolved! Now my credit score has dropped by XXXX XXXX points and theres no way to fix that immediately. They need to remove those accounts immediately. And I cant make additional payments while other payments are processing, which is XXXX and has caused this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX Act # XXXX, XXXX REF : XXXX : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the amount in full to FOX collection for town and country rental that was promised to removed from credit report. I attempted to reach out to the company for public removal of the judgement and the property management decline to do so. I would like these public records removed and deleted immediately. I have the rights to privacy and I was unaware of any public record being filed and released without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I submitted a direct dispute to TransUnion via XXXX XXXX for a creditor that I did not recognize and have no relationship with. Through Direct Dispute, TransUnion acknowledged that the dispute was being investigated and that they normally respond within 30 Days. On XXXX XXXX 2017, I sent a certified mail letter to TransUnion at XXXX XXXX XXXX XXXX, CA XXXX. This mail was returned to sender. I then made attempts to call TransUnion on the telephone at XXXX. I spoke with two people. The first lady told me the dispute was completed. When I told her that I had received no such confirmation, and that the current status in Direct Dispute on XXXX XXXX shows the status as currently under investigation, she told me they had emailed me the result. I asked her which email and she told me, the one on file used to open the dispute. However, as described herein, the dispute was opened on XXXX XXXX, and I have screenshots. I told her this many times, yet she kept telling me the dispute was closed. Eventually she changed her story and said the results were mailed to me, however I have seen no mail and the Direct Dispute center shows that the dispute is still under investigation. After trying to clarify the situation, and with proof that the Direct Dispute center shows an open dispute, the lady kept talking in circles about how the dispute was closed yet would not offer any proof or method for me to confirm this. At this point I asked for the manager. The manager again asked for my social security number, and verified my identity. I explained the previous information to him again, and that the status of the dispute shows currently under investigation. He again told me that they had emailed the information. Later he said it was mailed. Neither of them provided me any concrete evidence or method to verify the dispute was closed, and furthermore, the official Direct Dispute center which is a partnership between XXXX XXXX and TransUnion, shows that the dispute is still currently open 55 days after the initial dispute was confirmed. I would like to resolve this matter in as timely a manner as possible because according to Direct Dispute timeline they are in violation of the Fair Credit Reporting Act. Direct Dispute is an official partnership between both TransUnion and XXXX XXXX, so I see no reason for the story the two TransUnion representatives provided me with. I have use Direct Dispute prior and the results are always communicated through Direct Dispute, so the story I got from both TransUnion representatives does not make sense. I believe this warrants a thorough investigation of TransUnion business practices and how they are attempting to take advantage of consumers by lying about results of disputes. This is negatively impacting my credit and causing me financial harm. Thank you.
Product: Credit reporting or other personal consumer reports

There are several hard inquiries on my credit report that were not done by me ; they were done by a car salesman without my consent back in XXXX. The salesman opened these without my permission and they are affecting my credit score. Additionally, my XXXX XXXX XXXX XXXX  amount is being reflected as late/overdue and as having a balance and was last updated XX/XX/XXXX, however this card has a balance of XXXX and I have not used it for 2 months, which is reflecting on my credit report as late payment and high credit usage when this is NOT the case!!! LASTLY, my student loans are in forbearance but on my credit report, it is reflecting as payment due and late, which again is dropping my score and showing up as high credit usage. 

I attempted to contact Experian multiple times via phone call and no one can help me nor do they help me appropriately. I am very angry as this is affecting my life greatly. Additionally, Experian fails to update my score regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from Equifax, XXXX, and XXXX regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

Equifax reports the account as " Unknown, '' while XXXX and XXXX both report it as a " Revolving '' account with a " Charge account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, Equifax reports the account as " Closed, '' while XXXX and XXXX both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, Equifax reports the " High Credit '' as {$0.00}, while XXXX and XXXX report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my credit score on XX/XX/XXXX with my XXXX XXXX XXXX  and I wanted that fixed. When I disputed that situation with TransUnion, they instead removed my XXXX XXXX XXXX XXXX information from my credit report causing me to lose a lot of points. I STILL USE THIS CREDIT CARD. I would like my card information restored and points restored that were taken off as a result of removing my credit card from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been working with all credit bureaus to update my information. My information was updated and all names and addresses were removed to reflect one name and current address. However recently Experian, XXXX, and XXXX have put many names and addresses as reporting onto my credit reports. This is a direct violation of the Fair Credit Reporting Act. Under section 609 of the Fair Credit Reporting Act ( FCRA ), federal law protects consumers from unfair credit and collection practices. My credit report has inaccurate information on because of the credit bureaus inaccurate reporting. It is negatively affecting my finances. This inaccurate information should not be on my credit report.

If continues to happen these are willful violations and namely actual damages by the top 3 credit bureaus.
Product: Debt collection

I signed a contract to use a virtual office mailbox with XXXX. The contract is for {$49.00} per month. I started the contract in XX/XX/2020. I paid {$49.00} for the 1st month which was XX/XX/XXXX and was billed {$98.00}. I was then billed {$49.00} for XXXX and I paid {$49.00}. The next invoice I received had new charges for additional services, forwarded charges, accelerated charges and late fees. 

I contacted XXXX and they stated that I contact Customer Service to get the invoice charges corrected which they gave me a credit note that was never applied and still did not completely reverse all charges but added them to a new invoice plus late fees. I was told that they were not going to be able to correct the invoice until I brought the account current. I argued that the charges were not valid and they were aware but demanding payment and then correct the invoice is still having me pay for erroneous charges. I told them that this was a deceptive practice and that I am being extorted for money because I do not owe what they are stating. They continued to send accelerated invoices with fees and then had a posing attorney 's office reach out to me demanding {$870.00}. 

I contacted XXXX XXXX who posed as an attorney and I let her know that if she look at my contract there are charges that were added to the invoice that were not requested and I spoke with the customer service representative in XXXX to have her correct the invoice before I make a payment because they were demanding payment on something that was not correct. They were doing this knowingly. I have been threatened with legal action and to have a collection agency collect this debt however, this money is not owed to XXXX. I told them that I am more than willing to pay the corrected invoice amount but, if they were not going to bill me correctly that I would not want to use their service because it is deceptive practices and fraud at this point as I have a contract. I received a bill for {$720.00} today.
Product: Credit card

Subject : Formal Complaint Against Synchrony Bank for Unjust Account Closure To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank for what I believe to be an unfair and unjust closure of my account. This action has caused me considerable distress and inconvenience, and I seek your assistance in addressing this matter. 

Background of the Issue : Recently, Synchrony Bank decided to close my account Paypal Credit Account citing XXXX returned payments as the reason. However, the circumstances surrounding XXXX of these incidents have not been adequately considered by the bank. For the payment in question, I had sufficient funds in my bank account at the time of transaction. Unfortunately, due to an error outside of my control, the payment was initially returned. 

I took immediate action to rectify this situation and successfully completed the payment shortly after being informed of the error. This was a one-time incident caused by factors beyond my financial control, and not indicative of my financial responsibility or history with the bank. 

Concerns and Request for Action : Unfair Treatment : The decision to close my account based on this single incident seems disproportionately harsh and fails to consider my history as a responsible customer. 
Lack of Adequate Communication : The bank did not provide me with a sufficient opportunity to explain or rectify the situation before taking such a drastic step. 
Impact on Financial Standing : This action by Synchrony Bank has negatively impacted my financial standing and has caused undue stress and inconvenience. 
I request the CFPB 's intervention to : Conduct a thorough investigation into the matter. 
Ensure fair treatment and consideration of the circumstances from Synchrony Bank. 
Facilitate communication between myself and Synchrony Bank to find a reasonable resolution. 
I have attached relevant documentation to support my claim, including records of the transaction in question and correspondence with Synchrony Bank. 

I appreciate the CFPB 's commitment to protecting consumers and hope for a prompt and fair resolution to this issue. Please do not hesitate to contact me for any further information or clarification needed. 

Thank you for your attention to this matter. 

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

My wallet was stolen maybe 2 months ago and since then my credit has been ruined because after having fraud alert on alll my accounts- It was impossible to pay for almost anything without having my card denied and I totally spaced on this account. If you guys could do me a solid and let me pay it off in full Because I really am homeless now I lost my apartment and Im trying to apply for one but my credit its just ruined