23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Synchrony on XX/XX/XXXX at XXXXXXXX XXXX. XXXX and spoke to a customer support agent about the new paper statement fee that Synchrony is going to institute. I asked about opting out of the fee but still getting paper statements. The agent said that he couldn't do that. I would be forced to pay a new fee if I wanted the statements mailed. I wanted to escalate my complaint. 


Email is totally unreliable and I am too old to trust my memory on logging in to check balances. Like most of the world, I track my finances using printed statements. Besides, I receive over XXXX emails per day and can't possible see everything. This is no exaggeration -- it is a conservative number and can be as high as XXXX. Contrast that with the U.S. mail where I get about XXXX letters per day on the average. It is easy to spot important correspondence. I NEED a paper statement and don't think it should cost. It is a cost of doing business. I have about XXXX credit cards and they all mail statements. Paperless is an option for some but never a requirement. 


I want paper statements because it is possible for a charge to be placed on XXXX of my credit cards that I didn't make. That has happened -- more than once -- and each time, I received a statement apprising me of the charge. Each time, I was able to handle the fraudulent charge in a timely fashion because of the paper statement. I should have to engage in research to find out if I have unexpected charges on every credit card! 


I have had my Synchrony card for MANY years. I am an asset to them and they now want to charge me for ordinary business activity. All banks make money off my purchases. They charge the vendor a fee every time their card is used. That fee, along with interest collected on revolving balances, covers the expenses of the business ( not to mention loans and investments, etc. ). It seems like Synchrony is getting greedy. Worse yet, they are making it much easier for people to miss a payment. That consequence would engender a late payment fee and decrease the person 's credit score. This would force many people into financial ruin. I have exceptional credit and have never had late payments. It is risky and unfair to shift these costs to the consumer. 


Also, I am under the impression that there are states where it is illegal to charge for statements. If so, this would be unequal treatment. Yesterday ( XX/XX/XXXX ), I sought to get a waiver by talking with another agent using the chat feature at Synchrony. I spent XXXX minutes and they were no help. Actually, less than no help. I am very frustrated that banks want to shift this cost to the customer while collecting money off every purchase I make. It is unconscionable for a large and hugely successful financial institution to dramatically change its business terms which severely harms and places at risk consumers in this manner. The CFPB needs to investigate this extortion and money grab.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian to dispute XXXX XXXX OVER A MONTH AGO. I did not hear from them about the reporting accuracy of this alleged debt. They are in violation of 15 USC 1681c ( a ) ( 6 ) ( A ) no consumer reporting agency may make any consumer report containing any name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer. They are also in violation of 15 USC 1681i ( 1 ) ( a ) Consumer reporting agency to conduct a reasonable reinvestigation, 15 USC 1681i ( a ) ( 1 ) ( A ) Consumer agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.15 USC 1681i ( a ) ( 2 ) ( B ) Consumer reporting agency shall provide to the person who provided information in the dispute all relevant information regarding the dispute that agency received from reseller and 15 USC 1681e ( b ) Accuracy of credit report. need for Experian to Compensate me for every violation they have committed by violating my consumer rights. I have enclosed my invoice Please Make check payable to XXXX XXXX!
Product: Debt collection

I checked my credit reports and I saw a collection account and i disputed it with the credit agencies, and it came back verified, so I wrote the collection company and asked to delete the account because the collection company did not give me a chance to dispute it, that is a violation, the company replied to me by saying that they will notify the credit agencies that the account is dispute, but I requested the deletion of that account because of multiple violations.
Product: Credit reporting

On XX/XX/2016 I contacted the credit bureaus, Equifax, XXXX and XXXX via certified USPS disputing several accounts that are reporting inaccurately. I have made numerous attempts to reach them by phone and further mailing actions, the credit bureaus ( all XXXX ) are refusing to send me an updated credit report or acknowledge my dispute request. 

DISPUTED ENTRIES : 1. ) XXXX # XXXX ( PAID NOT COLLECTION ) 2. ) XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 3. ) XXXX XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 4. ) XXXX ( PIAD-NOT COLLECTION ) The Following Inquiries are not mine, never authorized : 1. ) XXXX XXXX ( showing XX/XX/2016 ) 2. ) XXXX XXXX ( Showing XX/XX/2016 ) 3. ) XXXX XXXX ( Showing XX/XX/2016 ) 4. ) XXXX ( Showing XX/XX/2016 )
Product: Credit card or prepaid card

Capital one has shared personal private financial information to a debt buyer in which I have not consented to my information being shared. It is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Capital one is also reporting incomplete and inaccurate information on the behalf of the consumer violating the consumers protection rights and have not shared the right to opt out of reporting. This debt is disputed and I cease and desist all communication from this company and all other companies who have shared my information which is a result of identity theft. the Gram-Leech Bliley Act requires financial institutions ; companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. I have also never received tax forms 1099-C The reporting status violates which conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act.
Product: Credit card

I moved in XXXX to XXXX on Government orders. I knew I would be travelling a lot in my new position and decided to open a Chase Marriott card to maximize my points. 

Prior to this time, I always used my Marriott rewards account that I had mistakenly opened it in my husbands name years ago. I did not know we needed our own accounts and it was never a problem. The site will also not allow me to change the name on the rewards account. 

The account has always gone to my email, my telephone number and he does not travel for work purposes. He does not even know how to work this account. 

About 5 months after opening my credit card I received a letter that they could not link my account to my rewards. I contacted customer service confused as to what the issue is. They informed me I must have my own accounts and there was nothing I can do. My husband is an authorized user but that isn't good enough. I also informed them at the time I signed up for the card of my rewards number. It was not an issue until 5 months later after I accrued several thousands of points. 

So now my option is to get my own account and lose my titanium status or forfeit my credit card points. The other option is to have my husband open his own credit card, which is ridiculous because he is already on mine. We do not need multiple cards for the same household. This also does not " fix '' the issue of combining the rewards. 

I am not trying to cheat any system and it was a mistake I unknowingly made when setting the account up a very long time ago. I do not understand why they can not be linked as he is on the credit card. 

I have called and written to them with no resolution.
Product: Debt collection

Midland Credit Management , Inc. ( Midland Credit ) is falsely misrepresenting the amount of alleged account XXXX, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Midland Credit provided documentation that shows this alleged account as having a balance of {$1500.00} ( see attachment ). However, Midland Credit has been reporting this alleged account on my credit reports with a balance of {$2400.00}. Midland Credit has also made several attempts to collect the misrepresented amount ( see attachment ). 

Midland Credit has stated that they have added interest on this account. However, Midland Credit has not produced any documentation that legally allows them to charge interest as stated in the FDCPA. Midland Credit has not provided a complete transactional history as requested numerous time. Midland Credit has also failed to mention if the interest added was simple or compound, the rate, and the time for which the interest has been added. 

This alleged account is not complete and inaccurate. I have expressed this to the original creditor, XXXX XXXX XXXX, and they agreed to delete this tradeline from my credit reports. As of late, they have not reported this alleged account on my credit files. 

As per evidence presented above, Midland Credit is in violation of the FDCPA. I respectfully request that this tradeline be removed from my credit reports with all credit reporting agencies, including, but not limited to : XXXX, XXXX, XXXX, and XXXX. 

I greatly appreciate the Consumer Financial Protection Bureau 's time and attention to this matter. I would also like to thank Midland Credit for their cooperation and attentiveness to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX XXXXknown items. Please remove these fraudulent accounts from my report. Thank you.XXXX   XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$130.00}
Product: Student loan

I have made XXXX qualifying payments under XXXX. My loans were forgiven in XXXX groups : XXXX loans were forgiven in XX/XX/XXXX, and the remaining XXXX loans were forgiven in XX/XX/XXXX. My account shows a negative balance of {$XXXX for the XXXX extra payments I made beyond XXXX in XX/XX/XXXX and XX/XX/XXXX. I am owed a refund of those payments.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to XXXX XXXX, I request their deletion within 15 days. Enclosed are supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. Someone used my information, my XXXX number, and through the XXXX and XXXX applications opened XXXX credit cards in my name at CapitalOne Bank. Credit cards were opened on XX/XX/XXXX and XX/XX/XXXX for the amounts of {$1300.00} and {$1000.00}, respectively. I noticed this only in XX/XX/XXXX. I wrote and called Capital One. They sent me an answer that I have to pay and close the balances of these two cards. This happened on XX/XX/XXXX. After that, I had to call Capital One and try to restore access to these credit cards ( more precisely, to the application ). Since there was another person 's username and password there. Starting from XX/XX/XXXX, I am paying off the balance of cards that I have never even used. At the same time, my credit rating completely dropped. I ask you to help me with this situation. I can provide all the details. You can contact me by phone XXXX or by mail XXXX ( preferably by email )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an alert from XXXX XXXX stating that my capital one account had been deleting from reporting, today I received another alert that it had been reinserted into my XXXX credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with Capital One equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Mortgage

I currently have my loan through LoanCare and have had issues with Private Mortgage Insurance. 

I was told by their employees my PMI can be dropped at 2 years with no missed or late payments and at least 20 % equity in the home. 

XXXX XXXX - XXXX requested the PMI to be dropped. The lady told me I completed all the requirements, and she would put the request in for me. 

XXXX  XXXX - When I called about another issue, I asked about PMI being dropped and they told me it was never submitted by they would do it at that time. I called back later in the day wondering about being credited the amount of the PMI and was told ( by their escalation team - Employee was XXXX and would not provide any other name or Employee number ) that I did not complete the requirements and that I needed to have 25 % equity in the home to qualify based on the backer of my loan ( Fannie Mae XXXX .That they have the documents I signed at closing and that it was 25 % not 20 % equity needed. Knowing this is incorrect, I contacted the company I financed my home through at purchase and it is 20 % equity - with my signature on the document. 

After this I went online to upload the document showing their error and I reviewed their PMI policy and the requirements only mention 20 % equity or if they are high risk loans. Which our loan is nowhere near high risk. 

After dealing with at least 4 people - all having conflicting stories or policies - I have exhausted all my options.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information Request for Deletion Dear Sir or Madam, I am writing to formally dispute the accuracy of the account listed by TRANSUNION on my credit report. After reviewing the details of my credit file, I have found several discrepancies related to this account, which I believe are inaccurate, incomplete, and misleading. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute information that I believe is incorrect or unverifiable. Specifically, I assert that the following inaccuracies exist : Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. This obligation extends to all furnishers of information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who are bound by the provisions of 15 U.S.C. 1681s-2 to report accurate data. 
I am requesting that the information regarding this account be thoroughly investigated and removed from my credit report, as it fails to meet the statutory requirements of accuracy and completeness under the FCRA. Should these companies or your agency fail to resolve this dispute in a timely manner, I will consider seeking remedies, including monetary damages as outlined in 15 U.S.C. 1681n, which provides for damages of up to {$1000.00} per violation, along with attorneys fees and court costs, for willful non-compliance with the FCRA.

As part of my request, I ask that you : Investigate this account under the guidelines of the FCRA. 
Delete this account from my credit report if the investigation determines that the account contains inaccurate or incomplete information. 
Notify me in writing within 30 days of your findings and actions regarding this dispute, in accordance with the FCRA. 
I am entitled to this removal based on the inaccuracies present in this account, and I expect that you will comply with the legal obligations set forth in the FCRA. Please also inform TRANSUNION of this dispute so they may take corrective action to remove any inaccurate information from their records. 
Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been reviewed and either updated or deleted from my credit file as applicable. 
Sincerely,
Product: Vehicle loan or lease

My Wife and I XXXX XXXX XXXX Purchased a XXXX XXXX XXXX in XX/XX/2013 with my wife being the cosigner. We fell behind on the payments and The Vehicle was repossessed. I haven't had the vehicle in my possession in over 4 years. However, Well Fargo dealer services is still charging me for the full amount of the long,  damaging my credit rating. The vehicle VIN Number is XXXX WELLS FARGO DEALER SERVICES Account Number : XXXX ....
Product: Credit reporting or other personal consumer reports

I inquired an investigation on few accounts that has been on my Experian account by submitting an dispute. I also shared with the creditors my personal information has been exposed and that my identity have been misused. however after submitting a dispute for a proper a investigation. I've received my results back within a couple days later with no showing of a detailed report stating how this account is mine.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. has 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

" XXXX XXXX '' XXXX XXXX is calling my friends, family, employer and extended family telling them they are trying to locate me regarding a lawsuit. 

I called and spoke with XXXX, she claims it's not them calling but a 3rd party location processor hired by the State Of California. 

They said I have a case # XXXX from LoanMe.com which they now own and are trying to collect on. She refused to give me the company address or information. 

LoanMe had / has my current address, phone number and e-mail address. They were also notified in writing to only contact me not my family or employer. 

XXXX is harassing me by unnecessarily contacting people not involved and giving them inaccurate information about me and a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report XXXX XXXX  account XXXX AMERICAN CREDIT ACCEPTANCE LL has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 : it's also state a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan has late for any purpose.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against People Fin, XXXX XXXX, XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX FXXXX XXXX XXXXXXXX ACCOUNT FRAUD XXXX AND XXXX 'S ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, Discover reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted Discover to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the XXXX late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.