23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I writing because I pull my credit on XX/XX/XXXX found out about this collection from SOUTHWEST CREDIT SYSTEM Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter ( attached letter ). They did not reply to my initial letter SOUTHWEST CREDIT SYSTEM they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC  about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals XXXX Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) SWC System and the credit bureaus reinsert this account which was deleted from my credit report without notifying me in writing 5 business days Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. We know that SOUTHWEST CREDIT SYSTEM are still violating FDCPA, such as using false or misleading information in an effort to collect a debt and sharing information about delinquent debts with unauthorized third parties. If SOUTHWEST CREDIT SYSTEM and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. Are I will proceed with legal matter from FCRA Attorney who has already seen major violation on this collection company.
Product: Credit reporting or other personal consumer reports

all three of my credit bureaus attached to my Social Security number have been reported by XXXX XXXX incorrect and inadequate information. The reporting of the XXXX deliquency date of my account was marked as XX/XX/XXXX, when in fact the XXXX deliquency date shows in the year XXXX and not XX/XX/XXXX. This has caused me to be rejected by a lender and have also caused me an employment opportunity as well for my business. I have spoken to customer relations on today and in the past and nothing has been completed. The latest customer relations number is XXXX. Please call them at XXXX or you may reach out at XXXX. This company should be held reliable for accurate reporting and because they have violated this law on numerous occasions. I demander this to be look further into and demand relief for the unlawful heinous acts.
Product: Vehicle loan or lease

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, consumer, XXXX XXXX, submitted applications for a consumer credit transaction to obtain a vehicle for personal, family and household purposes. 

Pursuant to the Equal Credit Opportunity Act, Federal Reserve Act and Truth in Lending Act, corporation illegally denied an extension of credit to the consumer. 

REGIONAL ACCEPTANCE CORPORATION sent consumer on XX/XX/XXXX the first of three denial letters providing evidence of discrimination. 

REGIONAL ACCEPTANCE CORPORATION was put on notice on XX/XX/XXXX with the first notice of dispute sent to XXXX XXXX in XXXX, NC, XXXX XXXX XXXX : XXXX Consumer submitted her third and final consumer credit application on XX/XX/XXXX and was notified by the dealership that she had been discriminated against for a third time. At that point the consumer reached out via telephone and eventually spoke with center manager, XXXX XXXX. XXXX XXXX forwarded an email to XXXX XXXXXXXX, Operations and Process Improvement Manager who caused a letter to be mailed to the consumer and continued to facilitate the discrimination against the consumer. Letter was dated XX/XX/XXXX. 
Consumer provided a final notice XX/XX/XXXX allowing XXXX XXXX to respond by XX/XX/XXXX. Consumer reached out to XXXX XXXX who stated that her response was under review and XXXX XXXX was notified that CFPB and FTC Complaints would be submitted
Product: Credit card or prepaid card

Hello, I had a Synchrony Lowe 's card and was a reliable customer making payments each month. This abruptly ended on XX/XX/22 when I was informed via a letter that my account was being closed, on XX/XX/22. To my dismay, I found out that Synchrony was erroneously trying to process payments from a debit card that was closed due to fraud. I had closed this account that month and had set up payment options with a new card, but still, Synchrony tried to pull multiple payments. This has put me in bad standing with Synchrony and inhibited my ability to get financing for a new mattress. 

I have called Synchrony 3 or more times to get this fixed. The first time I called I asked to file a complaint with the Credit Bureau, but no follow-up occurred. The second time I called I was asked to get a letter from my bank noting my debit account was closed due to fraud and mail it to Synchrony and my account could be restored. This again, turned out to be poor advice as I merely received a letter from Synchrony noting the account had ( obviously ) been closed. This spurred my third call where I was told there was simply nothing that could be done by Synchrony and that the black mark would remain. 

Synchrony needs to be held accountable for these practices. They should notify folks of issues like this and put forth some type of effort to remediate the situation for their customers. I was told they do notify folks, but I never spoke to anyone or had written correspondence of this. I have spent much more time on this than I would have liked due to a companies bad policies. They are a bad actor and need to be held responsible.
Product: Debt collection

I applied for an apartment in 2020. I never signed a lease, I just applied. I never paid a deposit. I never got an apartment number. I never got a key. Because I didnt sign a lease. I asked the collections agency to provide me with a copy of the lease that I supposedly signed and they wont.
Product: Credit reporting or other personal consumer reports

I was denied a homeowners insurance policy based on a LexusNexus report that listed an excessive insurance claim on the property I was trying to insure.

The insurance claim belonged to the prior owner of the home.

I both emailed AND mailed LexusNexus about the issue and requested they remove the incorrect claim from my file/report and verify to me that they had done so.

I suggested it would be simple for them to verify the claim was incorrect because the date of claim FAR pre-dated my purchase date of the home.

LexusNexus mailed me a denial of my simple request.

I have subsequently had my auto insurance premium rate raised, again due to my insurance company stating the decision was based on a LexusNexus file/report.

So, as of now, I am without homeowners insurance an am paying inflated auto insurance premiums due to LexusNexus publishing & distributing incorrect information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they have not attempted to do.
Product: Credit card or prepaid card

I keep getting several phone calls during the work day, when I'm unavailable, but it's once an hour it seems for the past few days asking for a payment when my payment was just made for last month and my next payment isn't due until XX/XX/XXXX, it's XX/XX/XXXX. I'm in good standing and I'm getting irritated by the amount of calls which I'm unable to block since they call from 20 different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.
Product: Debt collection

XXXX is reporting on my credit report inaccurate information. After requesting for debt validation and not receiving information, they increase the balance every time I send debt validation letter, dispute with credit bureaus, and every other month during credit updates. This company has not validated information and credit bureau refuse to remove this collections stating it has been validated. It is reporting inaccurately with no validation.
Product: Debt collection

On XX/XX/XXXX I was served with papers that XXXX XXXX XXXX XXXX was filing to collect XXXX dollars for a couple of medical bills that I had defaulted on. I was given 20 days to respond. I called XXXX XXXX XXXX XXXX  on XX/XX/XXXX and asked if they would settle on the XXXX and we could work it outside of the judgement. I was told they would " submit '' the request for a settlement but would not have an answer that day. I was told at that time that we would be able to work something outside of the judgement and if we came to an agreement, the judgement would not take place. On XX/XX/XXXX ( exactly 20 days later ) they heard back that the settlement was rejected and then called me on XX/XX/XXXX. 

At that time I had defaulted on my 20 days after saying they would work with me, but needed to get an answer on the settlement. At that point when they called me to let me know they did n't have the settlement offer, but still would be able to take a payment. I was left to believe that we still had come to an agreement without the judgement. I paid them {$1000.00} and told them I could work out some arrangements to payoff the rest, but could not do the full amount they had listed with other accounts. 

That same day the XXXX County ( Iowa ) Court ruled a judgement against me and put it into affect on XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX knew about the 20 days, they gave me a false understanding that the judgement would be removed if we came to an agreement. They then held their response until after the 20 days and now are saying I owe them more money due to court costs, interest, etc. They gave me a false sense of understanding that an agreement had been made to keep the judgement from moving forward. Because of this, I thought things were taken care of here in XX/XX/XXXX. 

I recently ran my credit report and saw two things from them. So I called in today and found out that I owe more than those two things on my report due to the judgement. They were not willing to work with me and I did not have any idea that anything was still going on with the judgement. 

The fact that they told me we could get an agreement and settle without a judgement, and the fact that they got a response on the settlement at the 20 day mark and then called me back on the 22nd day is very convenient for them. At this point it looks very suspect on their actions, how they choose to deal with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT THIS IS JEOPARDIZING MY CREDIT
Product: Credit card or prepaid card

American express promote {$150.00} bonus for {$1000.00} spending. 

Blue cash everyday card from American express. 

Amex claims there's no such bonus for existing customer. There was no alert/ popup during card application. 

this is mass fraud. 

I want CFPB to take a deeper look into Amex recent complaints.
Product: Credit card

I purchased my home in XXXX XXXX and took advantage of a 6-month interest free financing promotion offered through the Home Depot Consumer Card. I made regular on-time payments to the account and decided to pay off the entire amount before the promotion period ended on XXXX XXXX, XXXX. I inquired whether the promotion period could be extended for a short time and was granted a 20 day grace period, i.e., until XXXX XXXX, XXXX, to pay off the balance. To ensure I paid the full balance and to avoid any possible confusion, I requested that a Citi Financial representative provide a final pay off amount. The representative provided to me the exact balance of {$4500.00}. I also asked that she make note of the quoted pay off amount to prevent the very situation I am currently facing. On XXXX XXXX, XXXX, I paid the entire {$4500.00}. Notwithstanding this payment, on XXXX XXXX, XXXX, another Citi Financial representative informed me that there was an additional {$530.00} that remained on my account. When explaining the error, she suggested that although each of my purchases met the 6-month interest free promotional threshold, Home Depot/Citi Financial charged my account separately for an online purchase where all items were ordered and purchased at the same time but shipped separately. The total online purchase met the {$290.00} promotional threshold. She further noted that Home Depot/Citi Financial would have corrected the accounting error if I had informed them of the error within the promotional period ; but by her calculations it was " too late. '' The promotion period was extended until XXXX XXXX, XXXX. Thus, by the representative 's statement, Home Depot/Citi Financial could have corrected the accounting error since my inquiry was made during the promotion period. The heart of my complaint, however, pertains to the the false representations made to me by Citi Financial regarding the final payoff amount. Citi Financial misrepresented the amount and character of the debt owned. I recently filed a complaint in this matter with the XXXX but Citi Financial refused to correct its error and the complaint was closed without further investigation. Citi Financial admittedly quoted me a final payoff amount of {$4500.00} but suggests that this was only the principal balance. This too is a false representation. The final interest free promotion was not included on any of my billing statements. For that reason, I expressly requested a FINAL pay off amount from Citi Financial and was quoted the {$4500.00} figure. I have paid this amount in full and am now being asked to silently accept the financial penalties borne from Citi Financial 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to comply with my demands. They continue to violate my consumer right. 
I have made complaint after complaint just for them not to comply. I have being continuously violated by equifax. i am demanding them to stop infringement and discriminations as well as identify theft and follow laws as they state. i will start to seek further litigation for the violation of consumer rights. repeatedly breaking the law. my demand need to be met immediately. They are keeping bad information on my report demeaning me unworthy or credit or a home. They are using their status to discriminate towards me and keep me on the lower levels or credit worthiness LAWS TO SEE : according to 15 U.S. Code 1666B it's a billing error. Also, if a finance charge were included it shouldn't be no late payments 15 U.S. Code 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 

15 U.S. Code 1681e ( b ) which is maximum possible accuracy.

DEMANDING inquires and collections as well as late payment need to be removed... 


Collections remove!!! 

( 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 CLOSED ACCOUNTS REMOVE NOW!!! 

XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed  Closed XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$8.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this one student loan at least 7 times in the last 3 years they have a master promissary note that does not have my signature on it it was forged also the loan was given under false pretenses the school assured me they were accredited and the credits could transfer anywhere they lied the credits are no good at any other school they shut down and being 3 credits away from my degree I have to start all over again.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card.
Product: Mortgage

I have been working with Bank of America to save my home from foreclosure. I am completely XXXX in that I have XXXX as well as XXXX case that has rendered me unable to work. My husband also recently lost his job and is on unemployment. I recently was approved for XXXX benefits. Bank of America was aware of my situation and not only that, my file was active for short sale. The sale of XXXX/XXXX/16 was to have been postponed due to the active workout status but Bank of America sold the house and they are now refusing to revert it back to me and my husband. They had no right to illegally dual track, on the one hand have me in active work out status and then turn around and sell my house. They are discriminating against me because I told them I have difficulty getting certain documents to them and now, without any notice they sold my home. I have a XXXX year old ion the house and now with this foreclosure, we are going to be homeless, and I do not know what will happen. They have destroyed any possibility of me getting a new place to live and slapping me in the face with a {$2500.00} offer to move out of a home I have been in for 10 years. I also am a XXXX veteran, this war with my lender is not like any other. Bank of America even as of last week sent me a letter requesting that I provide certain documents to them for the work out, so why are they not rescinding the sale so they can actually help me and my family. Please HELP. God Bless you and God Bless America, do n't let these lenders put us out on the streets, I fought for my country.
Product: Debt collection

Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXX/XX/XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, BullCity acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my XXXX Credit Report as a balance owed ( Please refer to the attached XXXX Screen shot of my credit report. Bull City has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and XXXX disputing the inaccurate paid debt, which neither has taken action.
Product: Checking or savings account

Back in XX/XX/2021 I was approved for a business loan for {$17000.00} from XXXX  XXXX that was placed in my personal account because around the time I applied for the loan I wasn't able to gain access to my business account due to covid protocols. Once I got my business account debit card back activated with XXXX XXXX XXXX I was transferring my funds from my personal capital one account into my business account to pay my manufacturers for several orders. Before I opened my business account I did all transactions through my personal account and me and my fianc 's XXXX XXXX. When I tried to gain access to the funds Capital One questioned me about where the money came from, in which I told them. They then froze my account and told me that it was under investigation and that I needed to provide documentation and my EIN number supporting my business, in which I did that also. They then told me they would be in touch and never contacted me after I made several attempts to contact them. My loan wasn't through Capital One so I can't understand my I am being taken through these actions by someone other than my lender. I went through a very extensive process to be approved for my loan. why am I being asked to present the same documentation. XXXX has no say so in my approval process. I was already granted that by XXXX XXXX XXXX. No other persons I know with other banks have went through what im going through. obviously all my documents was satisfying to the XXXX XXXX XXXX  and government to grant me the loan in the first place. They shouldn't be able to make their own judgments on my personal loans through a 3rd party. They're only job is to hold and secure all my funds. I have a legit business and should be able to receive the rest of the funds from the loan I was approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

SLS reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. SLS told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

SLS has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by SLS.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Can you verify the paperwork? Some of the mentioned accounts are erroneous concerning the reporting.