23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an Amazon credit card through Synchrony Credit Card since XXXX  and I always check my latest transactions to see if there's any fraud or any issues with my account. I decided to check my statement on the month of XXXX and noticed a " Payment Security '' charge for around ~ {$5.00}. I checked my previous statements and they all have " Payment Security '' ranging from ~ $ 5-~ {$20.00}. I did research about payment security and it's Synchrony Banks way of charging a monthly fee for " debt collection. '' I have been employed for the last XXXX  years and never needed debt collection nor did I know about htis. After further review on similar complaints, Synchrony sneaked this into their contract as an opt-out feature and scammed thousands of people. I looked into my statements and Synchrony Credit Card charged me thousands in " Payment Security '' that I will never get back. 

I contacted Synchrony after hearing this and the representative easily opted me out and gave me a refund of ~ {$47.00} but I demanded a refund for all those months and years they charged me on a service I didn't need or know about. She escalated this information and I received a letter that I will not get refunded for the previous years. 

Synchrony Credit Card is a scam and I will never do business with them or any businesses that uses their services.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to fix this issue With This consumer reporting agency because my name is spelt incorrectly, multiple times on my credit report. There are multiple variations of my name that are inaccurate. I only have one name. 
My name is : XXXX XXXX XXXX I WANT ALL VARIATIONS OF MY NAME, OTHER THAN THE ONE LISTED ABOVE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE IT IS DAMAGING MY ABILITY TO OPEN AN ACCOUNTS
Product: Debt collection

XXXX Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by JH portfolio not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls 0n XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.
Product: Payday loan, title loan, or personal loan

I took out an equity line of credit on my home ( XXXX XXXX XXXX XXXX XXXX NC ) with Truist Bank. The property was sold on XX/XX/2022. The Payoff amount was {$270000.00}. The attorneys ' office XXXX XXXX ( XXXX, NC ) was instructed to send a check overnight for {$280000.00} to the banks XXXX office.. Since the closing was on Friday they sent a check on Monday XX/XX/XXXX via XXXX. The check was delivered at XXXX XXXX  on XX/XX/XXXX and signed for by a XXXX XXXX. After waiting two weeks I called to find out about a refund for the extra funds that were taken and told that the check was never received. I went to the attorney 's office on XX/XX/XXXX and secured copies of the payoff instructions and proof of delivery. I was told the check was not cashed and that they could put a stop on it and issue a new one if there was a problem. I took the documentation to the local Truist Branch where I had taken out the loan and gave them to XXXX XXXX asst. VP at the branch. She called the XXXX office and they supposedly opened a ticket. I called XXXX XXXX on the XXXX and she called XXXX and was told they were working on it but needed more time. I have tried myself to get in touch with the XXXX office but have had no luck getting any update. The attorneys office called me on XX/XX/XXXX to tell me the check has not been cashed nor has anyone from the bank called them to ask to reissue a check. They informed me that I have only 30th days to get refunded the extra money that was sent to Truist. I tried calling XXXX again and after a few minutes speaking with someone was cut off with no information.
Product: Checking or savings account

I contacted Webster Bank and I provided my SSN and the Bank Account number but webster insisted I go into branch to " verify '' my information. I was traveling at this time and am currently located in XXXX for ~week.  Webster has ~ {$10000.00} of my money and they refused to provide help and insisted I go into branch to remove some nonsense security freeze on my account. Generally I like webster but there on-phone reps Supervisor XXXX and frontline rep XXXX can not deny access to my money because they feel like it. Frankly I think its criminal that a bank can deny access to funds because they feel like it. They even refused to provide information as to how I could get my funds insisting I must go into branch. I would like compensation for any travels I had to do to go into branch and a revision of the stupid policies at webster on security holds
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX  XXXX ************ {$1900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXXXXXX XXXX ************ {$800.00} XX/XX/XXXXXXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company is calling threatening for a credit card I never had plus the date that said it was from is 2009 which is way past the statue of limitations they said they were suing and I could only get proof at court even though I told them I never had it plus even if I did its way past legal collectible time period
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation that XXXX, Transunion, and XXXX have been sharing improper accounts on my credit report. They are in violation of code section 609. 

XXXX is reporting inaccurate account : XXXX XXXX XXXX XXXX is reporting inaccurate account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion is reporting inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

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 Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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.

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 year
s.

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: Mortgage

Our VA home loan through XXXX was transferred to Mr. Cooper early last year XXXX. Prior to the transfer our loan company offered a COVID-19 pandemic relief option. They said we were able to skip a number of payments at 3 month increments. We were approved for a total of 12 months of no payments in the year XXXX, with the option to refinance or add the payments to the end of our loan with VA approval. We started making our original mortgage payments again in XXXX of XXXX. At which time we were given documents to sign and have notarized for a VA backed deed in lieu of foreclosure. After having the documents returned to us by Mr. cooper three times due to improper signature or notarization, they finally accepted the signed and notarized documents by the end of XX/XX/XXXX. At some point after we waited for finalization, we were rejected for not returning the documents on time ( by the end of XX/XX/XXXX. ) We called Mr. Cooper with proof that the documents were signed and turned in by the due date. The representative agreed and made a request to re-open that claim. After it was re-opened we had to wait to hear back. By that time Mr. Cooper would not accept any mortgage payments from us, despite us paying them monthly for the prior year 's payments ( XXXX. ) Now in XX/XX/XXXX we have been notified that our mortgage is in default and the financial documents we already had singed and notarized were rejected or lost. I called Mr. Cooper today to inquire about opening that claim again. They said that they would do that, however we are not confident that this wasn't a scam to offer us pandemic relief and have us notarize paperwork for adding the {$15000.00} or so past due to the end of our loan. I believe this is a deed in lieu of foreclosure. We have not been allowed to make any payments after XX/XX/XXXX, but we have been storing the payments saved in our bank account. Mr. Cooper, formerly Nationstar, continues to charge us late fees and give us delays. My husband is a 100 % XXXX veteran and I have medical XXXX as well. We can not afford to sell and still maintain a property at the current rates of mortgages, despite having equity. We are able to continue our monthly mortgage payments at the rates we started with from XXXX. Mr. Cooper is threatening us to sell or go into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not have a currently working customer service phone option and I am unable to log in. I contacted Equifax by email and received no response. 

Equifax is the only credit reporting agency that does not have a direct dispute option that I can access. 

Equifax recently " updated '' my XXXX XXXX that was closed and paid off in full to XXXX XXXX as " late payments. '' This is not the case the account was paid on time. 

Equifax also has a HARD INQUIRY on XXXX XXXX, XXXX by XXXX that was not authorized and needs to be removed. 

XXXX XXXX  XXXX Payment History Changed 100 % 75 % On-time payment percentage as of XXXX XXXX, XXXX On-time payment percentage as of XXXX  XXXX, XXXX It looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
The XX/XX/XXXX status for your XXXX XXXX  XXXX credit card was updated from " current '' to " 30 days late ''.
Product: Mortgage

I am reaching out for the 2nd time to the CFPB for help in dealing with my mortgage servicing company, Freedom Mortgage. After months of dealing with this bank, making payments and always confirming details, I am now being blatantly lied to again. Back in XX/XX/XXXX, I received a permanent FHA streamline modification agreement from Freedom Mortgage dated XX/XX/XXXX. The agreement showed my deceased husbands name as the borrower and my name as the co-borrower. After the 1st complaint Freedom Mortgage resent me a new agreement on XX/XX/XXXX which I signed and notarized. The executed agreement was returning using the prepaid XXXX they included with the agreement. I am attaching the XXXX confirmation showing this was delivered to Freedom Mortgage on XX/XX/XXXX at XXXX am signed by XXXX XXXX I called Freedom Mortgage and confirmed the executed/notarized modification agreement was received and accepted. I was assured it was. The first modified payment was due XX/XX/XXXX. I made the modified payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. All the payments were accepted. I then received a letter from Freedom Mortgage dated XX/XX/XXXX stating the permanent agreement mailed out XX/XX/XXXX was never received. Please see the attached Freedom Mortgage permanent agreement dated XX/XX/XXXX. I called Freedom Mortgage and they have no record or notes from any of my calls to Freedom Mortgage confirming the agreement was received and even though I have proof it was delivered, they insist it was never received. Now they are stating I owe almost {$30000.00} and my only option is to start all over again as I no longer qualify for a Covid19 FHA streamline modification. Now, I am facing foreclosure with my only option being to start all over again with this nightmare process. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Corelogic have shared my personal information without my written consent. Pursuant to 15 USC 1681b, ( permissible purposes of consumer reports ) a consumer reporting agency may furnish a consumer report only if they have written consent from the consumer to do so. I never gave them my written consent but they have furnished my personal information to multiple agencies like XXXX, XXXX, and XXXX. I put a freeze on the file they have on me and they are still furnishing my information to XXXX, XXXX, and XXXX. They are deliberately breaking federal law that is punishable under 15 USC 1681n ( willful non-compliance ).
Product: Debt collection

I'm a victim of identity theft and i think my neighbors must have opened an account using my name because it's linked to the address nextdoor.
Product: Credit card or prepaid card

I have XXXX in my account.They went in my account without ask me first. They over drafted my account.
Product: Money transfer, virtual currency, or money service

I made an XXXX  deposit from XXXX to Gemini last XXXX and they have never credited the funds due to Gemini suggesting I sent the XXXX on the XXXX network. At the time they claimed they do not support the network. Although this takes more work for their developers they are perfectly capable of recovering these funds, but still refuse to credit my account. This " stuck '' XXXX has now appreciated to $ {$3300.00} at current market value. With Gemini being a large Broker and XXXX accounting for nearly 54 % of all XXXX market share, one would think it would be supported by now. I would like them held accountable and I would like them to credit my account. 

My transaction is below. 

I verified the wallet address XXXX  From : XXXX to XXXX Today 's value : XXXX XXXX XXXX Original Transaction Time : XXXX XXXX PM +UTC Transaction Hash XXXX XXXX $ XXXX https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX and citi bank on two different occasion by certified mail both times telling them that the outstanding balances they are showing on XXXX / XXXX / and XXXX can not be my sons because he is XXXX XXXX and has never had a credit card but it fact it was a fraud committed by his mother for which I gave them in the letters that were sent to them and the 3 reporting agencys I just mentioned. I also contacted these parties over 7 years ago by sending a certified letter that I did not want any crtedit authorized in my sons name n social security no. at all. these people have forced me to contact social security and try to change his # so this will not continue. please help me with these issues as I 'm recovering from XXXX for a third time from XXXX XXXX XXXX  and I 'm not sure how long I have to live and I do n't want to leave my son knowing these issues exsis. does the credit card companys know that entering into a contract with a XXXX XXXX person is against federal n state laws. if they would have run the proper back ground checks his name would have popped up because he is in the service coordination state system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit Report Update Request ** [ XXXX **Experian** **RE : Request to Update Credit Report with Publicly Filed Transactions** To Whom It May Concern, I am writing to request an update to my credit report to include the following publicly filed XXXX  transactions that are relevant to my credit history. Please ensure these documents are reflected accurately in my credit report : # # # # XXXX Filing History for XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** XXXX XXXX Statement - **Image : ** [ Download & Download ] XXXX. XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** Restate Collateral - **Image : ** [ Download & Download ] XXXX. XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** Restate Collateral - **Image : ** [ Download & Download ] XXXX. XXXX - XXXX XXXX : ** XXXX - XXXX : ** XX/XX/year> - **Document Type : ** Termination - **Image : ** [ XXXX XXXX XXXX ] XXXX. XXXX XXXX - XXXX Number : ** XXXX - **Date : ** XX/XX/year> - **Document Type : ** Add Collateral - **Image : ** [ Download XXXX XXXXXXXX ] Please update my credit report with these transactions and provide an updated copy to the address listed below. As per the Fair Credit Reporting Act ( FCRA ), there should be no charge for this report since it is currently incomplete. 

Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered the following unauthorized hard inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these companies to access my credit report, nor do these inquiries fall under any permissible purpose outlined in 15 U.S.C.

1681b. Under the FCRA, unauthorized inquiries are a violation of my consumer rights. If these companies can not provide written proof that I explicitly authorized these inquiries, they must be immediately removed from my credit report. 
Requested Actions : Verify the disputed accounts and inquiries with the original creditors and requesting entities. 
Provide written documentation proving their accuracy and permissible purpose. 
Remove or correct any information that can not be verified. 
I have attached copies of my credit report highlighting the disputed accounts and inquiries, along with a copy of my identification and proof of address for verification purposes.Per the FCRA 15 U.S.C. 1681i
Product: Credit reporting or other personal consumer reports

I had an account with XXXX acct which I never was contracted through them but said they were servicing my loan in XXXX was never late and was removed from my XXXX XXXX XXXX due to inaccuracy and fraudulent practices.XXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/XXXXXXXX  with NO data of my previous payments that were made this account has several inconsistencies as you will see below it reports what it wants to please remove this from my credit file immediately. This account Isa true VIOLTATION of THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT. XXXX XXXX  reported 25 late payments XXXX XXXX reported 35 late payments XXXX XXXX reported 32 late payments XXXX XXXX reported 30 late payments XXXX XXXX reported 57 latepayments Just a kindly reminder that these are all violations that are on record and are damaging both financially and mentally it has caused me inability to acquire credit for my household. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT PROFILR IMMEDIATELY OR I WILL BE REQUESTING ALTERNATIVE RESOLUTION DISPUTE WITH DAMAGES FROM CREDITOR ( XXXX  ) AND DATA FURNISHER ( EXPERIAN ) THIS ACCOUNT IS A DIRECT VIOLATION OF FCRA. 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Midland Credit Management has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 

15 U.S.C 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.