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

Care Credit A.K.A.Synchrony Bank is scamming its customers. If like so many others due to Covid we became late on our payments. We have been trying to get caught up. Care Credit A.K.A. Synchrony Bank is making it impossible to catch up or pay off this debt. 
We have been trying to make payments as agreed to catch up. But Care Credit is charging more in fees and charges each month than what our payment is and accruing more interest than the payment is. Making it impossible to pay off the debt. 
We have asked by phone several times for payment arrangements to stop the interest and pay off this debt. But Care Credit A.K.A. Synchrony Bank refuses to cooperate or allow us to catch up on payments or pay off the debt. 
The charges and increasing interest on this account will never allow us to catch up or pay off this debt. This company scams people by not allowing them to ever pay off the debt. 
Their actions should be illegal to trap consumers in a credit card debt that can never be paid off and not from the consumer 's lack of trying but from the companies greed and inconsideration.
Product: Credit reporting or other personal consumer reports

Could you ensure the removal of incorrect accounts as per FCRA 605B from my credit report? I'd appreciate it if you could review the documents. Some of the listed accounts seem to be inaccurately reported.
Product: Debt collection

I was notified of changes in my report. I log on and see FIVE collection accounts listed that were from XXXX and included in bankruptcy that was discharged in XX/XX/XXXX. I contacted the company and was told they would correct the issue. Then they called back and said they needed proof and more documents and they would " review '' and decide. It is a violation of Federal law for them to be doing this. I stated I would file suit and these need removed. I was told they offer a service to remove them. That is extortion and another violation. Additionally this is a XXXX violation because she stated they have my medical records and can send them to me.
Product: Student loan

Navient - Firstly, I dont believe i ever approved my loans being sold to a third party like navient but the point of this is they are reporting to the gov. about half of the interest I actually paid to them. The XXXX I received was half what I actually paid verifiable with my bank account and loan statements. Seems to me they are trying to report less interest paid so they can cover up the ridiculous rates and fees. I dont think interest is calculated correctly at all on my account. 

Now, for the past 3 years i have been making double payments consistently. Fortunately unlike so many others i am able to pay these loans with no problem. However, after just making larger payments all of a sudden the interest rate jumps from 2.8 % to 5 % an 80 % jump? Their actions are completely criminal. Why do they use students like this? is my 2 points really going to make/break the bank? Im not even worried about me. Ill be fine but how many other things do they slip in under the rug to rake in millions off the backs of the students of this country. It really needs to be stopped. I dont even know what to do. I feel completely helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit reports, I've noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with this company. The following account is listed below : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, 2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Mortgage

I am a XXXX XXXX and I have tried to Modify my loan with XXXX XXXX XXXX for at least two years. I also XXXX XXXX XXXX for the school system. I have proved everything over and over again to XXXX XXXX XXXX. With finally getting a complete acceptable package for XXXX XXXX XXXX, when we called to check the status, they informed me that my loan was no longer serviced by XXXX. I asked how will I know who has my loan now? They said I would get it in the mail..and I did receive a letter in the mail from the new Servicer SPS on the XXXX of XXXX and two days later a sale date for my home for XX/XX/2019. 

I have never received any other correspondence from Specialized Loan Servicing except two letters. I never received any mail from XXXX XXXX Loans, I found out information from calling to check on my account. 

Please help me save my home. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I received the enclosed email from Chase Online Bank Team. Allegedly, my account needs restrictions removed. The scam is, I dont have any Chase accounts!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer
Product: Mortgage

Borrower : XXXX XXXX XXXX ( XXXX  ) Lender : Texas Capital Bank ( TCB ) Borrower requested to pay-off the loan from Lender, but Lender imposed the {$2000.00} for the so-called commitment fee on my pay-off amount. 
Borrower requests for the document that Borrower signed to agree to pay for the commitment fee. However, Lender failed to prove the document and declined to remove the {$2000.00} fee, then alleged that We will release collateral only after full payoff is received. Therefore, Borrower was compelled to pay the {$2000.00} when pay-off the loan for the release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments. XXXX XXXX XXXX XXXX. was hired or assigned an alleged debt by XXXX by XXXX XXXX also known as XXXX XXXX XXXX. This account is labeled as a charge off on my consumer credit report without my consent and there's no legal nor lawful definition defining exactly what this is. Again please see attachments. This isn't a permissible purpose, they have no consent from me, the consumer/original creditor. I demand XXXX XXXX XXXX to be held accountable pursuant to 15 USC 1611 on top of the other violations committed between themselves and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In according to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. As a consumer, I have the right to expect that my credit report will reflect my credit history in a fair and accurate manner. Pursuant to 15USC16811 ( 5 ), I am requesting that you investigate and correct the errors found in my credit report. This section of the FCRA states that " if the accuracy of any information in the file of a consumer maintained by a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information. " I have reviewed my credit reports from the three major credit agencies ( Experian, XXXX, and XXXX ) and found that the following accounts contain inaccuracies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : The reported amount lacks accuracy in all three credit agencies. - Last Verified : The reported date lacks accuracy in all three credit agencies. - Date of Last Activity : The reported date lacks accuracy in all three credit agencies. - Date Reported : The reported date lacks accuracy in all three credit agencies. - Date Opened : The reported date lacks accuracy in all three credit agencies. - Closed Date : The reported date lacks accuracy in all three credit agencies. - Account Descriptions : The account description lacks accuracy in all three credit agencies. - Creditor Type : The reported creditor type lacks accuracy in all three credit agencies. Payment Status : The reported payment status lacks accuracy in all three credit agencies. - Creditor Remarks : The creditor remarks lack accuracy in all three credit agencies. - Payment History : The reported payment history lacks accuracy in all three credit agencies. Additionally, I have found that the following accounts contain the same inaccuracies : - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a paid tax lien beyond than the FCRA Sec.1681c, statue of limitation of seven years. The tax lien was fully paid in XXXX XXXX. The Fair Credit Reporting Act Sec. 1681c. Reporting of obsolete information prohibited ( 3 ) Paid tax liens  which, from date of payment, antedate the report by more than seven years. Transunion is the only CRA reporting this negative item in violation of FCRA Sec.1681c ( 3 ).
Product: Credit reporting or other personal consumer reports

I found out that my ex boyfriend used my infirmation to open up a XXXX card. He had access to my information because we lived together.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - sent dispute letters certified USPS mail to Transunion, XXXX and XXXX. These letters pinpointed multiple inaccuracies that each of the credit bureaus were displaying and I asked that these accounts be removed from my credit report. 

XX/XX/2024- XXXX responded with an invalid " we have not taken any action on your request '' and accused me of not being me. In the letter I mailed to them, I attached a copy of my California Drivers License and a valid proof of address, which abides by their list on XXXX 's website of providing verification. 

XX/XX/2024- Transunion responded with a long list of their " supposed '' investigation results. They did not provide who they verified this information with and the dispute request I sent in was against the accuracy and fairness of what they were publishing. They just responded that everything I disputed, was verified which is not what I asked for. I pinpointed reporting items that are inaccurate and in violation of the Fair Credit Reporting Act. 

XXXX, XXXX, 2024 XXXX - provided 0 response to my certified letter.

All 3 companies violated my right to a 30 day investigation into the 100 % accuracy of the reportability of items they publish under my social. None of them provided resolution to the inaccuracies that are still on my credit report.
Product: Credit card or prepaid card

This complaint is in addition to the previous one # XXXX I bought TWO XXXX  XXXX but was double charged and another charge on the statement I dont recognize. 

Attached is the screenshot of the long explanation, correctly explained and I have circled in red where the problems are. At this point I can tell there are a few capable person available to work at Apple Card. 

In the attached screenshots, taken from the Apple Card explanation, there were TWO charges of {$2000.00} and {$2000.00}. This is where the mistake is. I bought TWO XXXX  XXXX at the price of {$990.00} each. So TWO iPhones should costs {$990.00} x 2 = {$1900.00}. Plus taxes it would added up to {$2000.00}. So the charge of {$2000.00} on the Apple Card would be correct ; but there are TWO charges of {$2000.00} instead of one. And who authorizes the charge of {$2000.00}? For what? MAY I KNOW?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute XXXX XXXX XXXX ACCT # : XXXX. 

The collection reported for the item in dispute is inaccurate because this item does not belong to be. I am requesting that this item be investigated and proof that this item belongs to me is provided. An itemization of the charges does not qualify as proof that I own this item.
Product: Mortgage

My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XXXX, I fell victim to a disease called XXXX. I would suffer XXXX attacks of XXXX over the next 2 years. XXXX would disable me for several days. XXXX would require surgery. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX total XXXX. She has been unable to work since, XXXX, XXXX. 

In XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are drug addicts and are both in jail. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there not anyway that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Debt collection

The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.
Product: Credit reporting or other personal consumer reports

I took out a vehicle loan with XXXX XXXX. I paid the balance of this loan and have my actual vehicle title in hand, I have notified all three major credit bureaus of this information and have requested that the account is updated to reflect paid. However, every time I submit a dispute request to the credit reporting agency I continue to receive a reply back stating that the account information has been verified as accurate which is absolutely invalid and incorrect which confirms to me that they did not do their due diligence to verify the information properly. 

I have my actual vehicle title in hand therefore I am now requesting that the entire account is deleted from my personal credit report as XXXX XXXX has already informed me that the deletion request has already been submitted to all three major credit bureaus when I spoke with them over the telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at the point of giving up. XXXX keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the unlawful reporting of a disputed debt to the major credit reporting agenciesEquifax, XXXX, and TransUnionin violation of Texas Finance Code 392.202, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

A third-party debt collector, XXXXt Incorporated , is attempting to collect a debt that is invalid under Texas Property Code 92.017 and the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955. Despite my legal right to terminate the lease without penalty, the debt was wrongfully assigned and reported to XXXX, XXXX, and TransUnion, causing unjust harm to my credit profile. Additionally, XXXX has failed to validate this debt, yet continues collection efforts and has furnished inaccurate information to credit reporting agencies, violating : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Prohibits the reporting of inaccurate or incomplete information by furnishers of credit data.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) Prohibits debt collectors from communicating false credit information, including failing to disclose when a debt is disputed.

Texas Finance Code 392.101 Prohibits credit bureaus and debt collectors from reporting inaccurate or unverified debts. 

I request that the CFPB investigate this matter and take appropriate action against XXXX and the involved credit reporting agencies for failing to comply with state and federal laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I tried to transfer approximately {$350.00} from my PayPal.com account to my bank account. After trying to initiate this transfer multiple times from my account, both on a mobile device as well on a computer, I noticed that I was " unable '' to link my bank account in order to easily transfer my balance out. I had tried to initiate this transfer many times over many months and have always hit the same problems : - bugs where the " transfer to bank '' button does not work / respond - errors when trying to link my bank account This has resulted in my balance sitting in PayPal and unavailable for use for close to 2 years.