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

Lets Start from XX/XX/XXXX and XX/XX/2019 Synchrony Bank Store Fraud opened they stated when i got alerts from the credit bureaus XXXX XXXX XXXX, I advised them XX/XX/1019 to Remove the accounts and inquiries Because they stated it was fraud, Now they want to turn the tables on me because XX/XX/2019 I was advised by Synchrony Ref # XXXX to contact credit bureau to have them removed, Called XX/XX/XXXX. XXXX and XXXX The agency said synchrony bank can call and have these accounts removed and the inquries amd XXXX said that was not right for them to tell me that I immediately emailed ceo XXXX XXXX, XX/XX/XXXX Spoke to XXXX from Sync sge said she couldnt verify or access the account i asked for a sup she passed to Acct Manager XXXX. No Help Talked to XXXX @ Syncrony XXXX. I advised them to remove it since they cant talk or verify the account Its Fraudelent to do this on my social.XX/XX/2019 SPOKE TO XXXX She said Transfered Me To XXXX She stated She would Remove not Close thats two diffrent verbiage.XXXX said she would Flag anything from sync bank and have it removed. XXXX XX/XX/2019 Customer Relations XXXX XX/XX/2019 She said she will close tge accounts thats the only way she stated I said remove them and asked her will closing them hurt my score She Said No!!!! XXXX stated it was a fraud on my account because of Synchrony Bank XX/XX/2019 Score XXXX points taken sync bank rooms to go ashley furniture   XX/XX/2019 54 points removed because per there request the closed them, XX/XX/XXXX XXXX from corporate called my voicemail system instead of calling direct just so she can say she contacted me for thete records I immediately called her back the whole week no response.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX  XXXX XXXX, XXXX. XXXX.
Product: Mortgage

I reached out to US Bank who is my banker for HELOC for my primary home. Bank officials at XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) assured that I will get HELOC up to 80 % combined LTV based on home price and credit scores. My credit score is XXXX, and debt to income ratio is ~38 %. 

Once I submitted the loan, US Bank underwriting team asked me to prove US Citizenship, if I can not the combined LTV rule will be reduced to 65 %. Seriously? 

Because the Combined LTV has been reduced to 65 % the equity then can lend dropped down to {$15000.00}. Because {$15000.00} is very less amount to lend as per US Bank guidelines, they sent adverse action notice and denied loan. 

US Bank did not order appraisal to find out actual value of home either. US Bank did order my credit report. US Bank determined to discriminate and do not want to serve non-US Citizens it seems. 

I reached out to US Bank this is not fair lending practice, they did not respond or answer.
Product: Checking or savings account

I spoke to a agent about it being unlawful for another person to be able to garnish my funds without a legal document signed by a judge.and the agent/supervisor said they can without showing proof of a signed legal document from a court of records.
Product: Student loan

I have been unable to find work and suffered a XXXX two years ago and was diagnosed with XXXX. Since that time I have seen by loan amount sky rocket. I applied for income driven repayment but the amount is practically XX/XX/XXXX of my Social Security.
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. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have filed a complaint with you with regards to XXXX XXXX. I am know filing a complaint with you all against Upgrade. The company says that it takes some time to update the information. 

However, why is it that XXXX when they call them Upgrade can not give them the correct information about the account. 

am enclosing documentation that shows the loan is paid in full. I am also providing you with correspondence with Upgrade. I want to fair. Upgrade says it takes time. However, I can not see why when XXXX calls them they can not just say the account is paid in full? 

XXXX XXXX
Product: Credit card or prepaid card

Thank you very much for removing the late fees I really do appreciate that but when I called to pay the balance off your supervisor/agent told me to leave the {$150.00} because that was the late fees that was not yet deducted yet so I left it and now I have been charged interest on it. Im not for sure what is going on because he told me it was the late fees and they will be coming off so I didnt have to pay that portion. Can you please fix this for me because obviously he didnt know what he was talking about because I would of paid that when I paid the balance off. Thank you very much for your time. Have a wonderful day and please be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a letter to Equifax requesting the verification method for the Bankruptcy which is reporting on my credit report, in the letter I requested if the method of verification is not completed to remove the account from my credit report. The same date I also sent a letter to the bankruptcy court listed on my credit report requesting verification of such and I have received a response, The bankruptcy can not be verified as of todays date I have not received an adequate response from Equifax. Under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification, the credit bureau must provide the method within 15 day of my request. I am requesting the bankruptcy be deleted based on the credit bureau lack of compliance with the method of verification. The letter was also sent via certified mail and I have the original receipt showing the exact date and confirmation when I sent the letter to the court and to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

I disputed a debt collection of {$690.00} which was sent to me from XXXX XXXX & XXXX inXX/XX/XXXXand received a responseXX/XX/XXXX stating the item i disputed has been updated, I ASKED for  verification and proof of how this debt belonged to me and received no proof what so ever and this item should be removed from my credit report because it does not belong me to thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My name is XXXX XXXX, I sent 3 letters to XXXX XXXX XXXX regarding an unverified item listed below, which remains on my credit report in violation of Federal Law. I asked for a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. They never responded, I did not borrow money from XXXX. I demanded proof of a contract signed by me at the time of the loan signing agreement, they were not able to send me any proof. 
I demand that the unverified account be removed from my credit report on Experian Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Recently, I made a transaction through Zelle that didn't go as planned. The amount I sent was redirected to an unknown account, and despite contacting Zelle 's customer support immediately, I haven't received any assistance or resolution. I provided all the necessary details, but the company has yet to take any action to refund my money or address the issue. This has been really frustrating and has caused a financial loss for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically I asked the credit bureaus to do a verification of my credit report and they did. They said that everything was accurate on my credit report, but I also did a thorough report on my credit myself and there are still a lot of improper inaccuracies on there after they did there research. The company is XXXX XXXX  account number # XXXX XXXX Trans Union XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions...
Product: Credit reporting or other personal consumer reports

I'd like to express profound dissatisfaction regarding the persistent presence of fraudulent accounts in my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed them. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I RECEIVED A LETTER FROM WILBER & ASSOCIATES, PC STATING THAT I HAVE A DEBT FROM A CAR ACCIDENT THAT MY DAUGHTERS EX HAD IN MY VEHICLE. HE WAS UNLICENSED THEREFOR INSURANCE DID NOT COVER THE DEBT. I CALLED TODAY XX/XX/XXXX17 TO DISCUSS THE BALANCE. THE REP WAS VERY RUDE, LAUGHING AND BEING DISRESPECTUFUL. WHEN I ASKED HOW I WAS LIABLE ( TO EDUCATE MYSELF ). I DECIDED TO END THE CALL. I THEN CALLED BACK TO MAKE AN AFFORDABLE ARRANGMENT DUE TO MY FINACIAL SITIUATION. A NEW REP WAS ON THE LINE. AGAIN WAS TALK BELITTLED AND WHEN I ASKED TO MAKE AN ARRANGMENT I WAS TOLD TO PAY THAT SHE SUGGEST I PAY XXXX UPFRONT. I TRIED TO EXPLAIN MY SITUATION AND THERE WAS NO TALKING. I ASKED TO HAVE THE REP WHO WAS OVERSEEING MY ACCOUNT TO CALL ME BACK TO FURTHER DISCUSS AND I WAS TOLD " I WILL MARK THIS AS A REFUSAL TO PAY '' AND WAS HUNG UP ON. I NEVER REFUSED TO PAY. I WAS TRYING TO WORK WITH THE COMPANY TO RESOLVE THE DEBT. I WAS NEVER VERIFIED BY DOB OR SOC OR READ THE MINI. I WAS TREATED UNFAIRLY AND TALK TO IN A RUDE MANOR. I WAS THEN TOLD I WAS BEING NOTED AS A REFUSAL TO PAY WHEN I NEVER ONCE REFUSED TO PAY THE DEBT. I HAVE EMAIL THE MANAGING ATTORNEY AND HAVE NOT HAD A REPONSE.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested proof of the previous investigation of a 30 day late reported on XX/XX/XXXX on account # XXXX XXXX. I requested that the method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. investigations were completed and none of this was provided. I demand that the 30 days late for the month of XX/XX/XXXX be removed and updated to XXXX. The account is # XXXX XXXX. The dispute was made, and the data furnisher failed to comply with the request. It is the data suppliers ' job to report accurately
Product: Debt collection

My student loan payment is due the XXXX of every month, for the month of XXXX I paid it on XX/XX/XXXX. Due to XXXX the payment at the bank did not go through to the Fed loan services until the XXXX. As can be seen in my attachment below. Then ( what you can see in the 2nd and 3rd attachments that on XX/XX/XXXX fed loan services attempted to take the payment again which they did not have the authority to do because I do not have them signed up to have any type of withdraw access to my accounts. I pay them every month on time. Well, there were no funds in the account because I had already paid them, and that caused my account to be overdrafted {$35.00}. Then again on XX/XX/XXXX they tried to do the same thing which caused my account to be overdrafted yet again. I have attached those documents as well. Finally on XX/XX/XXXX they sent me an email saying that they had never received my payment and that they were going to continue to try to keep taking the payment from my bank account. I checked my bank account so that they took the money, I called my bank confirm that they took the money, called them and they refused to accept the fact that I took the money and wanted to tell me that they were going to continue to try to take my money until they got it. I then had to go call the bank and have a three-way call with them to explain to them that they did have their money and that they continue to try to take their money after they had it and that they shouldn't have been able to do that. 
I went ahead and filed a complaint with the better business bureau because I feel like this may be a scam that is affecting thousands upon thousands of people. What I feel like they are doing is trying to take money in hopes that you do not notice and then you just have made extra payments for no reason. Because I asked them what would have happened if the money was in my account to take and they said they would have just added it towards a payment and I would not have been able to get it back. That does not seem okay to me, I can barely afford to pay one payment a month let alone two. When I asked for some type of explanation as to why this happened, a technical error, a glitch in the system, something, no one had any answers. Hence why I feel that this is a scam and needs to be made known of because I don't know if anyone else is being affected by this. But I would imagine that they are.
Product: Money transfer, virtual currency, or money service

I made a money transfer from Current to XXXX on XX/XX/XXXX. Current sent the money and closed the transaction. XXXX is claiming the money arrived. They paused the transaction and then canceled it. The money transfer doesn't show on my account at all. ANd my money has not been refunded by either XXXX OR CURRENT. 

XXXX asked for proof of payment. Current has refused to provide the documentation.
Product: Debt collection

I see this account in collection, I dont know if this is my, so please I need that you check please
Product: Mortgage

I originally purchased the property with XXXX XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXX in XXXX Texas. XXXX XXXX XXXX XXXX transferred the mortgage note to Servis One, doing.business.under the name .BSI Financial Services XXXX XXXX. The servicing transfer occurred on XX/XX/XXXX. The XXXX XXXX XXXX XXXX XXXX shows that BSI Financial Services was unlicensed and not allowed to operate or perform any business activities between XX/XX/XXXX and XX/XX/XXXX in the state of Texas. The XXXXXXXX XXXX XXXX XXXX provides a history of the licenses and it states '' Not Authorized to Conduct Business between the dates XX/XX/XXXX and XX/XX/XXXX. In response to my request for validation of the claim, BSI sent a letter advising that the loan was transferred for servicing to them on XX/XX/XXXX. This date is within the time that BSI was unlicensed. I shared this information with their attorney and no one is acknowledging this issue. 

BSI has a history of fraud against consumers and had been sanctioned by CFPB on XX/XX/XXXX under Docket Number XXXX. A Consent Order was created under XXXX. A review of the attachments clearly shows that BSI FINANCIAL SERVICES was unlicensed to operate in Texas for approximately 292 days. This needs to be investigated as I believe there may be other consumers impacted by their schemes.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XX/XX/2024 Equifax, XXXX, and Equifax Subject XXXX Dispute of Negative Items on Credit Report Dear XXXX, Equifax, and XXXX I am writing to formally dispute the multiple negative items listed on my credit report, as provided by your agencies. I request a thorough investigation of these items, as I believe they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The negative items I wish to dispute are as follows : XXXX. XXXX XXXX  ( Equifax, XXXX, XXXX ) XXXX. XXXX Bank XXXX XXXX, XXXX ) XXXX. XXXX XXXX ( XXXX, XXXX ) XXXX. XXXX XXXX ( XXXX, XXXX ) XXXX. XXXX XXXX Bank XXXX XXXX, XXXX ) XXXX. Department of Education XXXX XXXX, XXXX ) XXXX. XXXX XXXX Bank XXXX XXXX, XXXX ) XXXX. XXXX XXXX ( XXXX, XXXX ) XXXX. ALL INQUIRIES NOT TIED TO AN ACTIVE ACCOUNT. 

These negative entries are related to adhesion contracts, which I believe are inherently unfair and may not represent a true reflection of my creditworthiness. I am requesting that you provide validation of these debts, including the original creditor information and any signed agreements.

Additionally, I have concerns regarding the involvement of your agencies in practices that may be construed as peonage. Peonage is an illegal system of involuntary servitude and is punishable under federal law. Should I find that these negative items are not only inaccurate but also tied to predatory practices, I will take further action to protect my rights.

Please investigate these matters and inform me of the results at your earliest convenience. I appreciate your attention to this issue, and I expect a response within the XXXX timeframe as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX : XXXX
Product: Prepaid card

Back in XXXX of 2024 I was scammed out of approximately {$250.00}. after I realized what had happened, I blocked my account thru the XXXX XXXX app. Then I tried to reset my password and have been unable to. I am unable to access my XXXX XXXX account and unable to use my XXXX XXXX card. I've tried working with XXXX directly and they've escalated the issue numerous times, but I haven't been able to resolve the issue.
Product: Mortgage

My wife and I purchased our home XX/XX/XXXX under an FHA mortgage from Chase. In XXXX XXXX, we refinanced with Chase to lower our interest rate a little. The refinance was also an FHA loan, so it included monthly PMI payments. As it 's been explained to me, PMI payments MUST continue to be made monthly for at least 5 years and the loan balance must be less than 80 % of the original assessed value in order to stop making PMI payments. When we refinanced, Chase 's representatives assured my wife and I that this 5-year mandatory PMI payment was based on the original date of purchase of our home in XX/XX/XXXX, not on the refinance date of XXXX XXXX, so we accepted the refinance offer even though the interest rate was less than half a percent less than our original XXXX. We were assured by Chase that this was the right thing to do, financially. In XX/XX/XXXX, I called Chase to ask what balance I needed to be at in order to stop paying PMI, and was told that I could n't drop PMI until XXXX XXXX at the earliest because the 5-year mandatory PMI payment resets from the date when we refinanced!! As a result of Chase 's failure to disclose this feature of the FHA refinance properly, I am now paying three more years of PMI premiums at a cost of several thousand dollars. When I asked Chase to stop charging me PMI, they hid behind the law. I told them I wanted them to pay the PMI out of their own ledgers since it was their deceptive practices that put me in this position, and they responded by parroting the terms of the refinance back to me and sending me a photocopy of a page from the mortgage documents that does n't address my fundamental problem. I understood the required 5-years of PMI when I got my original loan in XX/XX/XXXX, but nobody explained to me that the clock would reset when I refinanced! In fact, they told me the opposite. Chase argues that they disclosed fully, the nature of the loan, but they KNEW the terms of my original loan because they serviced it at the time of the refinance, and they ALSO KNEW the terms of my refinance because they wrote it?! Did n't it occur to anyone in their sales department to ask why a client would knowingly set himself up for another 3 years of PMI? As it turns out, my wife and I will probably stay in our home long enough that the refinance will end up making sense based on the interest rate being lower, but I should have started realizing those savings sooner if not for having been misled by Chase 's sales people.
Product: Credit reporting or other personal consumer reports

These inquiries need to be taken off. I have no knowledge of them, and the company proceeded without consulting me.