23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an account with XXXX Synchrony Bank. My credit limit had been lowered. I have always paid more than the minimum and they have never been able to report to the credit bureaus that my monthly payment had ever been in delinquent status XXXX, XXXX, or XXXX days. Due to the unsubstantiated credit line decrease, I incurred damages to my credit score. After conducting research, I learned that a credit company or bank can decrease your credit line at will under circumstances that the customer is not making payments or if the payments are late. Late payments consist of XXXX, XXXX, XXXX days delinquent. My account had never been delinquent and Ive always paid more than the minimum every month. I threatened to close my account and asked to close it, but before following through with it, before the final statement had been made, and before confirming and agreeing to account closure, I disconnected the call. I understood that I was frustrated because I was mishandled so carelessly by a company who couldnt ever report my account as delinquent and this same company caused me unnecessary damage. I then learned that prior to finalizing the closure to my account, I received communication that my account had been closed without my confirmation or without written confirmation and consent. The letter also stated that my balance has been reported to the credit bureaus which further caused me damages and ruined my credit score and credit health. I have been severely damaged by a company who couldnt legally and rightfully report to any credit bureau that my account was ever legally considered delinquent.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$120.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, Department of Education, and Transunion, Per the Family Educational Rights and Privacy Act of 1974 and the Privacy Act of 1974 you are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any furthering reporting of this information. 

Please request that this data be deleted immediately from all credit bureaus, to include Transunion, XXXX, XXXX, and XXXX. 

As a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 U.S. Code 6802 and 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ). 

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

On XXXX at XXXX XXXX, I noticed an odd, missed call from XXXX XXXX on my cell. I called it back after hours and they said there was no record of my having any business with them. This was untrue, I learned on XXXX, the next day. I received a suspicious email in my personal inbox stating, " Welcome to your Account! ". 
I immediately contacted XXXX XXXX XXXX phone number and stated this was fraudulent as I have not nor would not conduct business with XXXX XXXX XXXX. 
I had the misfortune of being relayed to a XXXX XXXX who called herself " XXXX ''. I was immediately prompted to share sensitive information to verify my real identity, which I never wanted them to have, just to ascertain such a fraudulent account existed. I am concerned as to why the Customer Service Department was able to confirm with a first and last name, but their frauds department needed sensitive information. I explained as best I could with what little information, I had that it appeared an active account was opened in my name, email, and phone number. This is a fraudulent activity where someone attempted to open an account using Identity Theft. 
The representative was vague and disinterested, and I was shocked to receive next to zero support while the fraud department expressed the opposite. She was suggesting that my purported suspect may not be correct and rather surmised a ring of fraudsters was to blame. I asked how she could conclude anything prior to investigation and further what depth of familiarity with the matter she was not revealing that may help in my investigation. 
As a victim of fraud, I expected to receive empathy and assistance rather than a sense of opposition or minimally, being unsupported. As it stands, I do not believe the XXXX Department I just spoke about is legitimate and may even be complicit. The individual requested my social security number to validate an account which I was reporting as opened fraudulently and would not validate the address on file after I validated myself. They would not mail a copy of a fraud victim packet to my proper address either, insisting we communicate via email. I had to give another email address. This has yet to be validated or responded to. I was never given a reference number. 
Finally, this is actually and verifiably coming from XXXX XXXX XXXX, not an impersonator. There are now XXXX total credit bureau inquiries damaging my XXXX, Equifax and XXXX history and creditworthiness. This identity theft left XXXX XXXX of concerns regarding cybersecurity practices and even within a company itself, what internal reviews are conducted to audit staff training and practices. This is unacceptable in Texas or anywhere in our country to be preyed upon twice, once by an identity thief, then again by the company 's own frauds department.
Product: Payday loan, title loan, personal loan, or advance loan

Ive purchased insurance with USAA on XX/XX/2023 so I could buy a {$29000.00} car at XXXX XXXX XXXX XXXX. They told me in order to purchase a vehicle I must have insurance so I can drive off the lot. So me and the salesman sat down so I could get in contact with usaa to set up my insurance coverage. So I bought purchased full coverage which was like $ XXXX to cover me for 6 months and the salesman allowed me drive off. About 4 hours later on the same day I ended up in a accident and was immediately transported by XXXX to XXXX XXXX for XXXX and XXXX XXXX since I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the accident. After being released from the XXXX I called USAA around XXXX XXXX XXXX to report that I was in accident and that I needed my car repaired and removed from the tow yard but they told me unfortunately I only had Liability And uninsured motorist coverage and was denied Full coverage, Towing, collision and most importantly Medical treatment. Which is False and not the intended product of service I purchased for. When I know Ive purchased ( XXXX Full coverage ). Due to this minor inconvenience I havent been able to receive medical treatment and care that I need for XXXX XXXX XXXX XXXX XXXX and Ive been in horrible amount of pain and suffering since then. And my car that Ive paid cash for out of my pocket is still stuck in the tow yard. Can someone from both parties please look into this so we can resolve this issue.
Product: Debt collection

On XX/XX/24 I checked my XXXX account because I noticed a drastic decrease on my credit I saw a collection from TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX, DE XXXX XXXX ) XXXX for the amount of {$5000.00} as I haven not opened any new cellphone account I tried to dispute it with XXXX and they got back to saying the account was accurate. I am not aware of this account as well as never received any mail or confirmation on this for the same reason I have my credit Frozen as this is not the first time a phone line has been opened fraudulently.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to bring to your attention some discrepancies I have discovered on my credit report, which I reviewed on XX/XX/year>. I have found that certain information related to the following accounts is incomplete and inaccurate : Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX, Account Creditor Information : XXXX XXXX XXXX XXXX Account is Inacurate Due To Fruad By Someone Else. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX XXXX., Account Number : XXXX Account Dates are Inacurate Due To Fraud By Someone Else. 
Account Name : XXXX  XXXX, Account Number : XXXX Account Dates are Inacurate. 

As per the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to the individual for whom the report is prepared. 

I kindly request that you review these accounts and rectify any inaccuracies at the earliest. Your prompt attention to this matter will be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Hi, I don't want to wait another two years to receive my funds. 

Back in XXXX I filed a case in the XXXX XXXX XXXX Courts to have the state of my late grandmother administered. They ended up appointing some attorney name XXXX XXXX as the administrator of the estate. Doing her time, she's made a lot of errors in handling and closing this estate. However, that's not here nor there. Recently the house that was the only thing in the estate was foreclosed on in XXXX in XXXX which left some surplus funds for the heirs. The attorney didn't file to close the estate until XXXX of XXXX. The estate was finally granted a closure by the XXXX XXXX courts in XX/XX/XXXX. 

She issues us/me a check. I went to deposit the check and it got flagged by Chase Bank. Chase will not issue me the funds because they can not verify the issuer of the check which is XXXX XXXX the estate administrator. They are trying to verify her through a third-party system by the name on the check that she issued. They also ran her business phone number and it's not coming up. XXXX XXXX name is currently XXXX XXXX which was formerly name The Law Office of XXXX XXXX XXXX. She also recently moved to a new location. However, none of this with Chase Bank matter. I assume that when they run her phone number XXXX through a third party that it comes up under her old business name. 

Because of her lack of understanding and having never dealt with anything like this she is refusing to help me help Chase verify who she is. I've had her on three-way calls talking to a bank representative and she still don't understand what she needs to do. On XX/XX/XXXX we told her to cancel the check and reissues it. However, she refused to do so. She is calming that she will reissue a check once the funds are returned to her. however, she's not understanding that Chase Bank will not reissues/return the funds or check to either of us! 

Chase is calling it fraud and she's thinks I am playing game. Chase has told me that in 10 business days they will close my account and hold the fund in suspension for up to two years before it is release to the state of GA. At which point I will have to go through some unclaimed funds process to get my inheritance that I've been waiting on since XXXX. My grandmother has been deceased almost 22yrs.

Because the estate is now close under the courts authority she has no obligation to me, and I can't go to the courts for help! 

I have been fighting these issues since XX/XX/XXXX with no results. XXXX XXXX can be reached at XXXX or XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I received notification that my credit rating dropped 50 points for no reason. I immediately contacted XXXX and asked them how that happened. I was told to contact XXXX about this matter. XXXX representatives tried to charge me for the information I was requesting. When I refused to pay anything for the information, they gave me very complicated and convoluted instructions about the procedure I needed to follow in order to obtain such information.
Product: Mortgage

I have a 2nd mortgage with SLS, Specialized Loan Servicing. They happily granted a Forbearance to me last XXXX. Despite my numerous attempts they are unwilling to help me avoid foreclosure. I am able to resume payments and I am not asking for any financial forgiveness. I only ask that my paused payments be deferred to the end of my loan or even a Balloon Payment at the end. I continually get misinformation and different information each time I call and have been told they are working from home so no supervisor is available to speak with me. Just today ( XX/XX/XXXX ) I received two seperate letters from them. One states I am granted 9 more months of Forbearance. Great except the End Date is XX/XX/XXXX. The other letter is titled Default Notice and Notice of Intent to Foreclose. This one is dated XX/XX/XXXX and gives me 33 days from " the date of this letter to cure the default. '' It arrived in the mail today. 
I was told I can not be approved for a Modification due to help I received on XXXX, which was unsolicited by the way. Despite that I was mailed a Modification application with a long list of required documents. I do not want a Modification or any forgiveness. I just want a deferment or the Balloon Payment. They were very positive and assured me they would work with me to find a repayment plan when I first called to request Forbearance and now I am just getting the runaround. I had no idea at the time that non Federally backed loans would not be protected under the CARES ACT and SLS certainly made no mention of it. 
I am so upset and can not think of anything other than possibly losing my home of 25 years. Every day I watch the news hoping President Biden will announce that non Federally backed mortgages will be given the same protections under the CARES ACT as the Federally backed loans. 
Please, can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX sales and Lease, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, Department of Education, Transunion Consumer, Transunion Interactive, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to the Transunion that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Product: Mortgage

I WAS DENIED AGAIN FOR MORTGAGE ASSITANCE, I HAD A TRAIL PAYMENT AND I WAS IN HOSPITAL AND COULD NOT GET TO BANK TO TRANSFER THE FUNDS TO MY CHECKING ACCOUNT, WHEN I WAS RELEASED FROM HOSPITAL I CALLED SLS AND ASKED THEM IF I COULD MAKE PAYMENT AND WAS TOLD NO, THE PLAN HAD CANCELLED, SO IF MY PLAN CANCELLED WHY DID SLS CONTINUE TO TAKE PAYMENTS OUT OF MY ACCOUNT, IF MY TRIAL HAD CANCELLED THEN THE PREDATED ACH SHOULD HAVE CANCELLED TO, BUT BECAUSE THEY WHERE NOT CANCELLED, IT SHOULD AS 2 MORE RETURNED ACH, AND THAT IS WRONG ALSO IF MY PLAN CANCELLED WHY WOULD YOU KEEP TAKING PAYMENTS? MY XXXX   SAID HE WILL GIVE YOU ANY INFO NEEDED TO PROVE I WAS HOSPITALIZED, AND HAVE XXXX XXXX WHICH MEANS I AM XXXX YOU ARE FORECLOSING ON A USXXXX   SOLDIER, WITH NO WHERE TO GO AND I HAVE BEGGED AND BEGGED FOR HELP, CAN I PLEASE HAVE A REPAYMENT PLAN, I CAN MAKE PAYMENTS, PLEASE CAN SOMEONE ANYONE TAKE ME OUT OF FORECLOSURE AND HELP ME GET A REPAYMENT PLAN, I HAVE NO WHERE TO GO, PLEASE I NEED HELP NOT DENIAL LETTERS, PLEASE GIVE ME A REPAYMENT PLAN AND TAKE ME OUT OF FORECLOSURE PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes hello, I recieved credit for furniture & some electronics products from XXXX XXXX/ Swiss Colony credit online. 
I made most of the payments online or over-the-phone for these products, until I was injured on the job and was out of work for 2 + years on work XXXX. 
I missed a couple of payments due to this issue of being unemployed and out of work, but/ and most of the amount due was paid out of the {$860.00} total and only a few payments were missed. 
And XXXX XXXX Swiss Colony Credit has stuck me the consumer for the whole amount of {$860.00} which is Wrong and Not Right, I would like this record stricken/redacked from the/my credit record history of being a charge off. 
Because after making many payments for the products I purchased on credit, they don't have the right to charge me the whole amount!, like I never made a payment at all! 
This is completely wrong and not right. 
I would like this to be taking off, stricken/redacted from the record, because it is NOT CORRECT & hurting my credit at this very desperate time in my/our lives, when really need it ... 

Thank you, I appreciate your time. 

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

In accordance with the fair credit reporting act XXXX account XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I filed a dispute with Citibank that was supposed to take ten days to issue a provisional credit or supply me with a result. It has been completely mishandled and I can't even get correct information from the dispute team. They provided me with the wrong dispute number and incorrect information to put on my customer statement that I faxed in. Whenever I called to follow up, they stated that it was being worked on and in process. It was not being worked on because the Dispute back office was never received the information as the dispute number was wrong. 

I spoke with a supervisor on XX/XX/2021 who corrected the dispute number and then gave me the email to send over my statement with the information I needed to have on it. He forwarded the complaint about the handling of this issue. He also sent over an emergency expedite request. The original dispute was filed on XX/XX/2021. The correct dispute number is XXXX. 

I called the dispute line today and I am still getting incorrect information.