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

When I opened my account and afterwards made my 1st payment ( for the full statement balance ) I was sent an email later hat day and another one a few days later confirming my payment.

But, a few days later I was notified that I had not made any payments yet. Wen I called Synchrony I was told that there had been a problem routing my payment, so I made a payment over the phone and they agreed to remove the late fee and interest charges. 

Since their notification regarding my payment problem likely came only after they had prepared next month 's statement, it did not include a credit to allow for my payment over the phone. It was therefore not clear to me how much I had to pay by next time to avoid interest charges. I received no revised statement and so I had to guess how much I would have to pay so as to not have tp pay any interest.

Next day, after the {$200.00} or so that I paid was credited I saw no sign online of what my revised payment to avoid interest should be.and ditto when I phone them ( tedious automated system ). Both their Website and phone system indicated NO payment due. 

I just spoke tp someone at Symphony and was told that they would remove the interest charge as a " courtesy ''. I was also told that I should have paid the FULL statement balance in my previous statement - even though it was about {$600.00} over what it really was! And this from a so-called " supervisor ''. 

Synchrony has messed-up at least twice now!
Product: Mortgage

Freedom Mortgage has been a very bad company. First I just found out that they have not updated that they are the new company to service my mortgage and this happen in XXXX. Next we signed a loan modification back on XXXX and was told that copies would be sent both them and the local county. However this was not true as he local county did not get get this info and the Notary company that they sent did not send the info. In XXXX of XXXX we tired to do a streamline refinance for FHA and was told that this should take more than two months. In XXXX, I found out that the agent working on this left the company, no one told us this and that there was a name issue with my wife name that we was never told about. Now we are being told we need to sign new documents or lose the loan modification. Also they are not correctly reporting accounting info for our loan to the our credit report. Per our monthly statements we owe XXXX but they are reporting XXXX. Per rule are they suppose to report what your statement info is and not other info. I really need to have a member from FHA to work with me as Freedom Mortgage is very hard to work with and does not care about their customers
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts and unauthorized inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address these issues. 
ACCOUNTS : ( XXXX  XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) INQUIRIES : ( XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Debt collection

I called the company ( Midland Funding LLC ) on XX/XX/XXXX, I was told I had a cease and desist on file but never sent one in. Once I updated the information on the website to remove the XXXX XXXX XXXX, I tried to talk to someone in reference to a settlement on the account. I was transferred from rep to rep and no one could or would assist me. I was than told that there was a judgment placed on XX/XX/XXXX on this and they could not give me a balance owed at this time and I would need to call back on XX/XX/XXXX. I called back and on the XXXX and I still could not get a balance owed on the account. I called back a few hours later and was placed on hold for over 10 minutes. I called back again and asked to speak to a supervisor. XXXX ID 'd herself as one and stated the balance could not be given. I than asked if I could get proof of the judgment. She placed me on hold and a few minutes later a XXXX came to the phone and I asked him for the proof of judgement. He advised that he would see if they could get it but he now had a balance. He stated that it took some time to get it because of the judgment and they had to make sure all fees and or interest was included. I asked if there was a judgment on the account than why was it not with the legal department? I than asked for a supervisor so I may settle this account, he offered account rep. I advised that I was at work and asked if someone could give me a call back and he stated no. I advised him that I will be filing a complaint against the company.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

XXXX Opened a Lowe 's cc operated by XXXX  XXXX  XXXX ordered XXXX boxes flooring ( XXXX XXXX ) from Lowe 's the cost of the flooring was {$2800.00} XXXX number XXXX XXXX A partial order for XXXX boxes was filled and picked up. The cost for the partial order was {$1600.00}. I was told a refund would show up on my credit card for the portion of the order that was not filled. The difference between the original and the order filled is {$1200.00} A refund was not received claim was filled with the company. The claim was declined because they interpreted the dispute as filling a claim for the whole amount. 

A second dispute is in process
Product: Debt collection

I have sent three letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged off this account and they never sent the principle XXXX XXXX XXXX a 1099 copy B. If the account was charged off then XXXX XXXX can not continue contacting the principle XXXX XXXX XXXX via email to pay a debt that was charged off. Do to the fact that they have opted out of the principle XXXX XXXX paying the debt. They are reporting adversely to the principle XXXX XXXX XXXX consumer report. That is a violation of the FCRA and the FDCPA.
Product: Debt collection

Great Lakes Loan Servicing contacted me to notify me that I needed to re-certify my income-driven repayment certification. I completed the application and provided them with the information they requested, including information showing my current pay and my wife 's current pay. I explained that my income had not changed from last year. They ignored this evidence and then denied my request for IDR without explanation. I appealed the denial, again submitting the same information. They put me to the back of the line and, in the meantime, increased my payments to over {$1800.00} a month. When they finally did process my request, they asked me to fill out a form that I filled out when I first submitted my request. I explained this to them, and they moved me to the back of the line again. Because, they claim, I did not complete my IDR application on time, they capitalized my interest, adding to my balance. 

This is a predatory tactic that they have now used on two occasions. The CFPB has to do something about this.
Product: Credit reporting or other personal consumer reports

I requested a home equity line of credit from my XXXX XXXX. Within XXXX seconds of hitting submit, I started receiving phone calls, emails and text messages from lenders. I have received over XXXX phone calls in the past XXXX weeks. Every time I try to use my phone, another call comes in and I end up accepting the call rather than dialing out. I do not want to have to change my phone number because of their actions. 

This is a flagrant abuse of their privileged access to my credit report and mortgage inquiry.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$12000.00} XXXX XXXX XXXX {$1700.00} NXXXX - XXXX {$8000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$270.00} XXXXXXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXXXXXX {$490.00} XXXX - XXXX {$880.00} XXXX XXXX XXXX - XXXX {$760.00} XXXX - XXXX {$110.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX - XXXX {$270.00}
Product: Debt collection

Credit use was accessed thru someone that i lived with. This XXXX XXXX " payday loan '' creation / use was fraudulent ( not authorized by myself ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX  XXXX XXXX  ) ( XXXX  XXXX  ) ( XXXX  XXXX XXXX  ) ( XXXX  XXXX  ) ( XXXX XXXX ) XXXX ) ( XXXX XXXX ) ( XXXX  XXXX BANKRUPTCY ) ( XXXX  XXXX BANKRUPTCY )
Product: Credit card or prepaid card

I believe that I had made my payments when I received my statements. The reason could be that my monthly statement did not get to me or the payment was not applied as fast as expected. I noticed that the money has been deducted from my checking account on the months marked late on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of XXXX personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX has all 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 an account without my written instruction. 

15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

We as victims of Identity Theft feel as if we are in a sinking hole with no way of ever coming out of it ... .I have gone back and forth with EQUIFAX over this fraudulent account ... they have lied over and over and I will supply the documents to prove it! The only remedy at this point is a law suit, they lied to me and they have lied to the CFPB in their fraudulent responses as I will prove with the attached documents. I have been fighting for my financial life here trying to put all the pieces back together. As you will see from the time I filed my Identity theft affidavit. I also have proof that I was a victim in the security breach at Equifax which exposed my personal information on the DARK WEB and across the world. I will supply my credit reports from all 3 bureaus dated XX/XX/2018 showing the fraudulent account XXXX   XXXX # XXXX, after I supplied all the proper documents in XX/XX/XXXX and the documents were received by all 3 bureaus XX/XX/2018 ... ..the ACCOUNT WAS FOUND TO BE FRAUD AND WAS REMOVED FROM XXXX AND XXXX as you can see on the reports dated XX/XX/2018, EQUIFAX responded to my previous complaint and stated that the account had been deleted from my file on XX/XX/2018 ... .see attached response to the CFPB ... .dated XX/XX/2018!! but as you can see in the report dated XX/XX/2018, EQUIFAX never removed or deleted the account and is still reporting it on my file today!! my scores and reports with XXXX and XXXX are around 700 but Equifax is killing me and my financial life. I have obtained a lawyer and I am prepared to sue for every dollar that I am allowed. I am sure that the CFPB have all records as I do ... .but you can clearly see that EQUIFAX is BREAKING the LAW here!
Product: Credit reporting or other personal consumer reports

There are multiple inquiries displayed from companies without permissible purpose per the FCRA. I have no accounts from any of the said companies. This is a violation of the Privacy Act Of XXXX Removable of every inquiry needs to be completed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX - XX/XX/year> XXXX  - XX/XX/year>XXXX XXXX XXXX - XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are fraudulent on my accounts : XXXX/XXXX  XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX/XXXX is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXXXXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. So please UPDATE and CORRECT the status of my accounts : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the debt collection practices and credit reporting activities of Milestone Credit Card and their associated collection agency.

I contacted Milestone Credit Card regarding a delay in updating my credit information after making a payment. Despite my timely payment, my credit was withheld for nearly two weeks. As a result of this delay, I requested that my account be closed and emphasized the importance of ensuring that the closure would not negatively impact my credit reporting. 

Although Milestone Credit Card closed my account as requested, I have recently discovered that they have failed to uphold their agreement to remove the account from my credit report. Despite assurances that the closure would not affect my credit, the account is still being reported, which contradicts the terms of our agreement. 

Furthermore, I disputed the inaccurate reporting of this account back in XXXX of XXXX. However, it has come to my attention that Milestone Credit Card has recently placed a derogatory mark on my credit report in XX/XX/XXXX, more than a year after the initial dispute. Utilizing XXXX XXXX XXXX, This action is unjustified and is causing significant harm to my creditworthiness. 

I am deeply concerned about the negative impact that Milestone Credit Card 's actions are having on my financial well-being. I believe that their failure to remove the account from my credit report and their unjustified derogatory mark constitute violations of consumer financial protection laws. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Milestone Credit Card and their associated collection agency. I also request that the inaccurate reporting be promptly corrected and that any derogatory marks be removed from my credit report. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your assistance in rectifying this situation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

They received an ACH with my payroll direct deposit and informed me that they will hold it for 5 business days Yet they published /advertised that they make direct deposits again md two days before other banks normally do.

And they have done so in the past.

I asked why the hold, its it payroll check I need access to my wages?

I kept getting scripted responses and told when I set up the account all the policies were provided.