23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX informed me that this credit card was opened using an address that's not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are currently investigating how this happened. Experian has verified the XXXX but this credit card is fraudulent and it was opened using a fraudulent address. I want Experian to submit a fraud dispute with XXXX and mention that the XXXX XXXX XXXX is indeed not mine and it's also fraudulent.
Product: Credit reporting or other personal consumer reports

They creditor did not send verification of the creditor and also signed agreement from the original lender that they are able to collect on this debt legally. I have requested as well as disputed the debt regarding the investigation process of the dispute and detailed verification of the debt was not sent to me regarding the investigation process of the dispute they just made changes
Product: Mortgage

My husband and I opened up an equity flexline with 5/3 Bank on XX/XX/XXXX. It had a fixed-rate lock option that could be exercised at any time during the ten year draw period. In the spring of XXXX, I called the number on the fixed-rate lock option paperwork to discuss our specific needs so the bank could help us " determine the best solution for your situation '' as stated on the document. We wanted to activate the fixed- rate lock option. The fixed-rate lock option was around 6 % at that time. Since we did not plan to draw off the flexline again, we wanted to fix the rate and avoid continuously rising interest rate only payments. We also wanted to start paying the principal down. All of this was particularly important to us as my husband was forced into early retirement during the pandemic. We have been good 5/3 Bank customers. Both our first mortgage and our equity flexline are with 5/3 Bank. Instead of giving us " the best solution '' we were talked out of the fixed-rate lock option and encouraged to apply for a new equity line with 1.99 % interest rate. We were told this was the best thing to do because in a year the country would be in a recession and interest rates would be going down. We were assured by the local branch manager that our loan would be processed quickly as long as we proceeded with the application right away. We were rushed to proceed with an application in order to get a 1.99 % interest rate that was " not going to be available for long. '' We were also assured by the branch manager that we would get the loan as we were good customers with a good credit rating. Well, the loan process was not quick and in the end we were denied the loan. By this time, interest rates had risen significantly and the fixed-rate lock option was not a great deal anymore. The thing is, we were denied the loan because we supposedly did not have enough income to afford the payments on a new loan with a 1.99 % interest rate. What nonsense! We can't afford a 1.99 % interest rate but we can afford an 8.74 % interest rate which is what we are now paying? Our interest only payments on the original equity line have skyrocketed from {$92.00} in XXXX XXXX XXXX to {$180.00} in XXXX XXXX  XXXX. We are senior citizens and this is predatory lending. We should NOT have been talked out of the fixed- rate lock option in the spring of XXXX in the first place. The bank did not give for us the " best solution for our situation '' as promised in the paperwork. It gave us the best solution for THEIR situation. We have been paying thousands in interest and not paying down our principal because of bad advice and what feels like a con job. We believe the bank never intended to approve a new loan. Their goal was to stop us from getting a good fixed-rate lock option while one was available. We have paid hundreds in unnecessary interest because of 5/3 Bank 's predatory practices. We would move all our business elsewhere if the timing wasn't bad but we believe 5/3 Bank knew that would the case, too.
Product: Credit card or prepaid card

I get a c collection call from discover card and I have never split for a credit car with them, then I check my credit report and filing out that I have XXXX credit cards open on my name 1with discover card, one with XXXXl XXXX, and one with cXXXX XXXXXXXX XXXX and I never applied for credit with those credit companys and now I am in collections and my credit score is in the worst situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled update of my credit report and still I see these negative  account. I already sent XXXX  complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.
Product: Credit reporting or other personal consumer reports

Transunion is doing a complete sham investigation on my XXXX XXXX XXXX Dispute refusing to block saying my identity theft report is not valid. My report with the FTC is VALID and DOES state that I am reliable for criminal charges id filing a false report. I am providing supporting documents showing my valid report and well as proof of identity. Please step in and hold Transunion responsible for shady and sham practices. This is affecting my life financially and mentally. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute the inclusion of an account with XXXX XXXX XXXX on my credit report. This account is fraudulent, as it was opened without my knowledge or consent, and is the result of identity theft. I suspect this may also be connected to the XXXX data breach, which exposed my personal information to unauthorized parties. 
Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Supporting Documentation : To support my claim, I am providing the following : XXXX. A copy of my FTC Identity Theft Report, which details the fraudulent activity. 
XXXX. A copy of my government-issued ID and proof of address to verify my identity. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Additionally, credit reporting agencies are required to investigate disputes within 30 days and remove accounts that can not be verified as legitimate. 
The exposure of my personal information during the XXXX data breach further highlights the likelihood of identity theft in this case. I urge you to take this matter seriously and act promptly to remove the fraudulent account from my credit file.

Requested Action : 1. Conduct a thorough investigation into this account. 
XXXX. Remove the XXXX XXXX XXXX account from my credit report. 
XXXX. Provide written confirmation of the results of your investigation. 
If you require additional information or documents, please contact me immediately at XXXX or XXXX. 
Thank you for your attention to this matter. I trust that you will handle this dispute in compliance with federal laws and your obligation to ensure accurate credit reporting. 
Sincerely, XXXX XXXX
Product: Student loan

On multiple occasions I have requested a lower payment amount or a pause on payments due to financial difficulties ( many doctors bills for my son, living off a XXXX 's salary, pay calendar changing, etc ). Navient is not willing to work with me and they only suggest or use me towards options that make me spend more money outside of my already insanely high interest rate and principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 30 days, Equifax on time, XXXX 30 days. Also XX/XX/XXXX : XXXX on time, XXXX on time, Equifax 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 60 days, Equifax on time, XXXX 60 days. Also XX/XX/XXXX ; XXXX on time, XXXX on time, Equifax 30 days. 
Date Last Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my updated Credit Report and it is clear that the Credit Bureaus have neglected my requests. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX XXXX Owed : {$2500.00}
Product: Credit reporting

the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?
Product: Debt collection

sent my certified mail and they signed it on XX/XX/XXXX and as of today XX/XX/XXXX I received nothing back from them in the mail. 
They marked it's in dispute on my credit report but I received nothing. I called them today to let them know that I received nothing from them as of today and that this is being dispute and that they signed for my letter. I explained I'm disputing the balance & that I moved out the home in XX/XX/XXXX and they stated the account was disconnected on XX/XX/XXXX. I asked for the documents to validate and as of today XX/XX/XXXX I received nothing Please see my documents for the proof that it's past the 30 days to respond. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

Im filing this because XXXX  XXXX will not help during this time that Im going through a financial hardship, I lost my job and I cant make any payments, I have tried to call and get help but hung up on constantly, transferred, im very much struggling, im trying with every effort I can to get back in my feet and Im asking XXXX  XXXX to help and give me some help so I dont get behind I dont want to lose my XXXX  XXXX XXXX  or XXXX XXXX  , im sorry the company I worked for went out of business, I need assistance with my payments not fees that wont help, im trying to get work but it has been that hard for me, I really care about being a customer of XXXX XXXX Im just going through a hard time and want and need help.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX  Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I requested SCRA benefits from West Lake under XXXX  Law on or about XX/XX/year>. After waiting a period of several months, I was denied multiple times by their SCRA coordinator XXXX XXXX. My benefit was denied under the premise that the auto loan was ineligible for SCRA benefits due to the account being paid off for more than 180 days. Having provided all documents necessary to prove my XXXX XXXX status in XXXX, XXXX XXXX still denied the request. 

Service members Civil Relief Act is a federal law granting certain relief to XXXX XXXX members regarding financial institutions. There are key provisions XXXX such as XXXX, XXXX, and XXXX  that expand these benefits further.
Product: Credit card

I'm writing to formally express my dissatisfaction with the Amazon Store Card issued by Synchrony Bank. Contact Details : Main Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ; Billing Inquiries : XXXX XXXX XXXX, XXXX, FL XXXX ; Customer Service Phone XXXX XXXXXXXX  
Background : I was issued the Amazon Store Card after accepting Amazon 's offer to open a credit card. Unlike my husband, who received a more suitable card option with XXXX XXXX, I was assigned a Synchrony Bank card with a {$400.00} credit limit, which is unreasonably low given my excellent credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). For context, the lowest credit limit on any other card I hold is {$7500.00}. 
Issues Encountered : Unreasonable Credit Limit : This credit limit negatively affects my credit utilization ratio and has likely harmed my credit score.

Payment Processing and Negative Balance : I set up autopay, and a payment was successfully withdrawn from my account on XX/XX/2024, paying off my balance in full. 
On XX/XX/XXXX and XX/XX/XXXX, I placed orders on Amazon, believing my account balance was cleared, and a new billing cycle had started. 

Today, on XX/XX/XXXX, my Amazon purchase was denied. Upon reviewing my Synchrony account, I discovered an unexplained XXXX XXXX  balance, despite my payment being made over a week ago. This has never happened with any other card in my financial history. 
Unhelpful Customer Service : I spent over two hours with customer service agents who were dismissive and failed to offer a resolution. I was told the funds would be released in a few hours, which is unacceptable. 
Lost Cashback Rewards Due to Card Limit : Because of the unreasonably low {$400.00} credit limit, I had to use my XXXX XXXX card ( with a {$15000.00} limit ) for Amazon purchases over the past month, spending {$430.00}. The Amazon card had promised 5 % cashback, which would have earned me {$21.00}. I lost this amount due to Synchrony Banks failure to provide an adequate credit limit. 
Demands : Conduct an immediate investigation into Synchrony Banks handling of my account, particularly the unexplained negative balance and delayed posting of the autopayment. 
Adjust my credit line to better reflect my creditworthiness. 
Provide reimbursement for any impact on my credit score due to Synchrony Banks errors. 
Compensate me for the lost cashback rewards, including the {$21.00} missed due to the inadequate credit limit. 
Issue a formal apology for the inconvenience caused. 
I trust that this matter will be resolved promptly to avoid further escalation. Please confirm in writing the actions you plan to take to address this complaint. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is 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 items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. Please update ASAP.
Product: Credit reporting or other personal consumer reports

In short I bought a car from us auto sales. They sold the contract to westlake who illegally repossessed my vehicle. I would like it removed by both parties for breech of contract by us auto.
Product: Student loan

I am requesting all accounting documents for a full Ledger Audit see attached document.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to block my accounts however, it appears that this request has not yet been processed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. has never contacted me at all. However, this agency is illegally reporting an alledged account on all 3 of my credit reports, XXXX, XXXX XXXX and Experian. A lawyer has agreed that their not contacting me in advance is a serious violation.

I am willing to go to court and sware under oath that this account does not belong to me and I will file suit stating that I am not liable for this alledged account that had been put on my credit reports without any notice to me.

The lawyer I spoke with told me I could sue for at least {$3000.00} right now minimum not including his legal fees that XXXX XXXX would be liable for. I never had a contract with this firm and I am seeking monetary relief at present due to XXXX XXXX violations. I also demand that XXXX XXXX delete this debt from all 3 of my credit reports immediately.
Product: Mortgage

I have had several issues with US Bank. This will be my second complaint. I called on XX/XX/2021 to remove my less than comparable flexmodification. They mislead me for 3 months with a lower interest rate and then told me my XXXX ratio was not where they prefer. Mind you they have all my loan numbers so I have not idea why they are offering the assistance they can not faciliate. 

I followed up with the bank on XX/XX/2021 they expressed that the removal of the modification I requested on XX/XX/2021 was not filed correectly. I asked them to remove it AGAIN. 

I called back on XX/XX/2021 and was told that the removal was still not filed. They continue to tell me to call back the following week every week. This has been ongoing since XX/XX/2021. 

I followed up again on XX/XX/2021 and was told AGAIN that the bank would not be able to allow me to start making my payments. I have been trying to make my payments again since XXXX. I am so frustrated and the bank refuses to help me. 

I continue to receive apology letters, yet no one will get my mortgage straightened out. 

The bank has lied to me and misfiled or NOT filed my paperwork on so many occasions that I feel this is malicious and intended to drag out my HIGH-interest rates!!! 

I could have already been through the " hardship '' plan which would be a three-month agreement I would have completed by now. 

US BANK is being nefarious and they are doing this on purpose. I have had a multitude of managers say they would call me or help me and no one will call me back. 

It is now XX/XX/2021 so it has been five months since I started calling the bank trying to find the best solution to begin PAYING MY MORTGAGE AGAIN. 

They refuse to do their jobs and process my paperwork. I have requests four times to have the modification they lied to me about and try to shove the same high-interest rate at me after telling me on two separate occasions I prequalified for 3 % interest rates. 

I have begged to go back to making my regular payments now that I am back to work but the bank refuses to do so. 


I made a good faith payment back in XXXX at the modification amount but they refused to properly apply for the money. Then in my last complaint, they indicated the money would be used to help lower my payments. Yet, they mailed that check back to me and it also means they did not modify my loan they used a payment I made in good faith for the new payment amount to lower future payments and call it a flex modification. 

I appealed the modification. I asked numerous times to remove the modification. I DO NOT APPROVE. 

THIS BANK CONTINUES TO NOT ALLOW ME TO MAKE PAYMENTS BECAUSE THEY WILL NOT PROCESS MY PAPERWORK. THIS HAS BEEN SINCE XX/XX/2021. I am beside myself with stress and anger! 

WHO CAN HELP ME?????????????????? 


See previous apology letter and still no resolution on the bank 's part. As you can see I keep trying to get this resolves.
Product: Mortgage

Due to loss of income and divorce, we began uploading the hardship documentation to the PNC portal on XX/XX/XXXXXXXX2024. We uploaded every item on the checklist. It still showed incomplete. We called to ask what else needed to be done, as we continued to receive late notices. 
On XX/XX/XXXX, we finally heard from a XXXX XXXX who said she would email a list of documents that we were missing. On XX/XX/XXXX, we received a notice in the mail saying they rejected our hardship request because we never provided the documentation, however, they never told us what we were missing. We followed up on XXXX and XXXX. 
On XX/XX/XXXX, they XXXX returned our call and old us to start the whole process over. I resubmitted everything via fax and received confirmation of receipt on XX/XX/XXXX. 
Uploading to the portal is no longer an option, as my original request remains as an open " incomplete request ''. 
On XX/XX/XXXX, they confirmed they were working on it and would take up to 5 business days for review. 
on XX/XX/XXXX, she called and requested a few additional documents, which we immediately emailed and she confirmed receipt. 

As of XXXX, I received a certified USPS letter stating we are officially in default for not paying XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. 
We still have no resolution or communication regrading hardship request.