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

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Debt collection

AMERICAN EXPRESS has reported negative remarks on my Credit Report regarding a pending debt. I have not been presented with some practical solutions to resolve this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid my Synchrony Bank ( Amazon Store ) card ( ending in XXXX ) balance in full, drafted from my XXXX XXXX XXXX checking account ( ending in XXXX ) for {$5000.00}. 

The following day on XX/XX/XXXX, Synchrony deducted {$5000.00} from my XXXX XXXX XXXXXXXX checking account ( ending in XXXX ) a second time. 

I reached out to Synchrony around XX/XX/XXXX to report the extra payment. The vendor reported a double payment ( the second of which was made at XXXX XXXX ET - my time ), despite a balance of only {$5000.00} on the account. I requested a refund of the extra monies deducted and Synchrony said a check would take 10-15 business days, USPS, no tracking was available. 

15 business days later, in early XXXX, on XX/XX/XXXX I reached out to report the check wasn't received. They dispatched a new check " expedited '' and said it would be received in XXXX business days, still no ability to track the check ( even if I paid ) Today, I reached out XX/XX/XXXX and ask about what the next steps are if/when I don't receive the 2nd check and was told they would dispatch another. Again another 7-10 business days, again with no tracking. After I pushed back for 20+ minutes it was suggested a delivery attempt was made but the check was sent back ( the only signature option I am aware of with USPS includes tracking ) but some stuff to consider : 1. We use XXXX Mail which takes scans of all our mail as it passes through our local post office, no images have been captured of Synchrony communications or any unreceived mail. 

2. We have cameras on the property that captures anyone who approaches any of our doors or rings the bell, no one from the post office has approached our door for a signature. 

3. No notices to indicate an attempted delivery were left on the mailbox or on the door. 

As a result, I opened a dispute on the charge via XXXX XXXX XXXX. They reported it could take 45+ days and I may/may not receive a refund after that investigation. 

I do have chat logs for 2 of the 3 discussions with Synchrony Bank.
Product: Debt collection

I want to complain about the problems I have had with my mortgage collections since XX/XX/2022. 

The Department of Economic Opportunity through the government of Florida has sent checks for {$1300.00} each month to cover the costs of my mortgage because I am going through financial difficulties but every time the check arrives at Flagstar Bank it is not applied to my balance in a timely manner. Every time I call telephone technical support, they give me inconsistent answers and even the telephone advisors lie to me. I have never had the same response from telephone advisors in each of the many times I have called for my payment to be applied to my balance. The only way my payments have been processed is by making formal complaints with government authorities. Please apply the checks sent by the government to my general balance because I already owe a lot of money and the checks are in the possession of Flagstar bank. You should already be in possession of two {$1300.00} checks, apply them to my current statement and any balance where I am owing money. I am desperately asking for help because I just want the payments to be implemented. Thank you. HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXXXXXX XXXX XXXX
Product: Debt collection

I have been receiving phone calls from this Synergetic Communications before XXXX. Here is a list of every call from them and the time : -XXXX, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  ( this one is legal, still putting it in here since I was called on a XXXX  ). 
XXXX XXXX XXXX at XXXX XXXX 

I called back this afternoon ( Monday, XX/XX/XXXX ), at XXXX XXXX. The woman I spoke with apologized, and informed me that the calls automatically go out on central time. I informed her that I am in XXXX XXXX, and her statement was concerning because I am getting calls around XXXX, which is still XXXX central time. I informed her that debt collection agencies aren't allowed to contact anyone before XXXX, and she said she knows this. I am concerned because she willingly admitted that they send out calls around XXXX central time. 
She then informed me of my debt and said if I want to stop being contacted, I can pay my debt. I declined at this time because I did not like that, she told me I had to pay the debt in order to stop being contacted.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXX BALANCED {$2100.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX BALANCED {$1300.00}
Product: Credit reporting or other personal consumer reports

Dear to whom this may concern. I am writing this letter to demand to removal of the Santander Consumer USA account. I have not received three disclosures before it was reported on account. A Financial institution has no legal right without disclosing certain things to the consumer. Congress gives you the right to opt out of having your information reported according to 15 USC 1692. Companies need our written permission.

For any Financial institution there are certain obligations to protect personal privacy. 15 USC 6801 protection of non -public personal information- it says the policy of congress is that each financial institution has an affirmative and continuing obligation to respect the security of confidentiality of nonpublic personal information. 15 USC 6802 obligations with resect to disclosures of personal information ( if Santander is going to give information I must be told ) According to 15 USC 6802 ( a ) notice requirement except as otherwise provided in the subchapter a financial institution may not directly or through any affiliate disclosed to a non-affiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803.

According to 6803 three forms of disclosure must be given to the consumer. When something is placed on credit report it should be presented in bold letters. The consumer should have the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party
Product: Consumer Loan

On XXXX of XXXX I purchased a XXXX XXXX from XXXX in XXXX ca for {$39000.00}. The car was financed by chrysler capital account # XXXX my payments were $ XXXX for 76 months. In XXXX i was injured on the job and was off for several months. i was unable to make my payments for 3 to 4 months. i was given noticed that my car was up for reposession. I called chrysler capital and was told i needed to make a payment of {$2500.00} on XXXX/XXXX/XXXX for them to stop the repo which i did. They further ask me to continue to make my payments plus extra to cover the late fee 's which i did till i was caught up which I have. In XXXX of XXXX i applied for a consumer loan and was rejected because of the entry chrysler capital made on my credit report. Thinking it was the fact i missed payments with them I understood till i signed up with XXXX and it showed that as of XXXX of XXXX no payment were reflected on my report even till current date and that the account was charged off and that the amount they were charging off was {$34000.00}. Believing it was a mistake i disputed this with XXXX, XXXX, XXXX, and XXXX and got my payment history from chrysler capital showing my payments, but their reports never changed. I called chryrsler capitals credit dispute section last week XXXX/XXXX/XXXX and was told that they did receive all my payments, but its their policy that if a payment goes 120 day without a payment that charge it 's off and would normally repo the car, but I had made a arrangement with them so they allowed me to keep the car as long as i continue to make my payments. I kept repeating about the charge off and that normally if a car is charged off they take back the car which would be sold at auction and they would write off the difference for a tax loss. the person in the dispute section said in my case my account is actual still active, but its their policy to charge it off anyway which would reflect on my credit report. i ask so from the time of the arrangement till now all those payments except in your payment history will not show on my credit report her reply was " yes its not a law per se just chrysler capitals policy '' I told her that was not fair and the only thing she could say was " I 'm sorry ''. I also ask how long does this charge off stay on my report even as I 'm still paying she stated 7 to 10 years so no matter how many times i dispute it its still a valid claim which they report to the credit bureaus every month. I ask what if I pay the car off her reply was still it will remain. I 'm at a loss as to what to do my XXXX score is improving, but with that charge off on it without a explanation as to why it says charge off I 'm screwed.
Product: Credit reporting or other personal consumer reports

The statement below was added to my credit report. I do not have a mortgage with them and they opened an account for a little over XXXX XXXX. I do not want to make contact with them incase they try to take more of my information. I believe they are using a scare tactic to make me think I have an account with them because they keep sending me physical mail and opened an account without my consent and that is fraud. 

Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

I reported it and tried to get it off my credit report. 

Between XX/XX/XXXX and XX/XX/XXXX, your mortgage account with XXXX XXXX XXXX was removed from your credit report. 

I am not sure if it has been fully removed and if they can still open accounts without my knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this.
Product: Mortgage

Ref : Ditech Financial LLC - Acct XXXX We received billing statements ( Attached ) for XXXX supplemental taxes from The XXXX County Tax Assessor Collector and XXXX County Municipal Utility District in XXXX, 1st Time to Receive these Statements, for our property at XXXX, TX XXXX. After receiving these billing statements, we paid these supplemental taxes promptly. Unfortunately, Ditech Financial ( Ditech ), our mortgage company, also paid these supplemental taxes in XXXX without any communication or contact with us. Now there are overpayments on our accounts with these two taxing authorities. We do not have an escrow agreement or account with Ditech. All of our property tax payments, required insurance coverage/payments, and mortgage payments have been made on time since we purchased this property. 

After contacting Ditech on XXXX, we were informed that we would need to reimburse these overpayments to Ditech and they were forcing us to maintain an escrow account with Ditech. From our own research, we have determined that one of the overpayments to one of the taxing authorities will be reimbursed to us and therefore we reimbursed Ditech for one of its overpayments for these XXXX supplemental taxes. However, the other taxing authority has stated that Ditech will have to apply for a refund of its XXXX supplemental tax overpayment ( Attached Documentation ). We have submitted the refund payment we received to Ditech along with a letter, attached, explaining the payment and the need for Ditech to apply for the refund of Ditech 's overpayment. In addition, we have explained in the letter that all property tax payments and insurance coverage/payments will be maintained by us with no escrow account. 

Ditech is forcing us to pay for an unauthorized overpayment they made to a taxing authority and forcing us to pay into an escrow account that we have not agreed. Can you help us stop Ditech from forcing us to make these unauthorized tax and escrow payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT XXXX # XXXX. 
RESURGENT/LVNV FUNDING # XXXX 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
Product: Debt collection

I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.

Please see the attached documents for these inquiries I am complaining
Product: Mortgage

I recently refinanced my home and my old company said I was short 1 payment. I was not and I have spoken to them and emailed them proof that we were not late. I have also sent them a certified letter explaining that we were not late. I received a letter back saying we had to send it to a different address which we did. They sent us back our impound account but not the extra payment. We have proof that all payment were made in a timely matter and they owe us over {$2000.00} as a refund. They are not responding and we want the money they owe us NOW. It has been over 60 days since the new loan closed. 
I appreciate your help in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Equifax via mail to dispute inaccurate accounts on my report. On XXXX XXXX, 2020 Equifax received my dispute via USPS certified mail tracking, and I have not received any dispute results or investigation into this error.
Product: Credit card or prepaid card

I had my wallet stolen about a yr ago my I identity was then stolen as a result of that loss I had 2 unauthorised accounts opened with fifth third bank and a balan on one of them for over {$4000.00} i distuputed the accounts when i called the adress on file for the accounts was not mine i have never lived there nor did I open these accounts there has been a fraud a let on my credit for a yr and those accounts should have never been allowed to be opened in the first place .the bank said they had proof I made the charges when I was in the hospital at the time the charges were made I did not open these accounts with fifth third bank nor did I use it and I want thseese accounts closed and my credit reports to reflect this I did not create this debt and should not be responsible for it
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby demand that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my demand and confirmation of action taken within the timeframe required by law. 

Failure to comply with this demand may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.