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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance XXXX {$390.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I borrowed money over the phone. I borrowed {$1400.00} on XX/XX/2019, after being assured that if I paid it back on XX/XX/XXXX that the total payoff would be {$1500.00}. I was told that I could pay it off early on any day by calling one day in advance. I called on XX/XX/XXXX and was told that the loan would come out of my bank acct on XX/XX/XXXX, three days later NOT THE ONE DAY I WAS PROMISED. I was also told that the payoff was now {$1600.00}, NOT THE {$1500.00} I WAS PROMISED. I was totally lied to in the origination of this loan. I was told the origination phone call was being recorded ... ..yet the Company has refused to review the recording and adjust to what was promised.
Product: Credit reporting or other personal consumer reports

Equifax is intentionally adding closed credit account and collections to my report there is two company 's reporting the same info the credit card company reporting payment history when the account was sold to a collections company in XXXX I'm being negatively effected due to this issue, I call and can't speak to anyone just voice promts steering me towards online dispute information. This company has ruined my job prospects due to the errors in my report I am exhausted trying to get in contact with them please help
Product: Debt collection

In a letter dated XX/XX/2020, the collection agency 'Capitol Accounts ' notified me that they were retained by 'XXXX  XXXX XXXX ' to collect money already paid. I contacted an attorney in our Legal Services program who notified Capitol Accounts by letter dated XX/XX/2020. 

" Please be advised that I represent the above-named individual who has recently received a debt collection communication from your company. 
Pursuant to the Fair Debt Collection Practices Act, 15 USC Section 1692 et seq., you are hereby directed to : I. Cease all further communications with my client, and 2. Provide the undersigned with verification of the purported debt. and 3. Provide the undersigned with the name and address of the original creditor, if different from the current creditor. '' My attorney received no communication from Capitol Accounts. NONE! 

Despite the letter of XX/XX/2020, I received another letter dated XX/XX/2020 notifying me that their client XXXX XXXX XXXX, " ... has authorized us to report this unpaid collection amount to one or more national credit bureaus '' In another letter dated XX/XX/2020, my attorney notified Capitol Accounts that they had violated the 'Fair Debt Collection Practices Act ' and again repeated the statement that is outlined above ( 1. 2. 3. )
Product: Credit reporting, credit repair services, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Transunion LLC is not providing a correct mailing address for credit report disputes. Transunion 's website lists the address as " XXXX, PA XXXX '' : https : //www.transunion.com/customer-support/faqs/credit-disputes The USPS has confirmed that this address does not exist. There is no other address listed to which credit disputes can be mailed. Transunion is intentionally providing consumers with a false address in order to delay or prevent credit report disputes.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) 2 Medical Bills which i disputed 4 years ago and shouldn't be on my credit report : 1.XXXX XXXX {$1600.00} 2 XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}
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 confidentiality under 15 USC 1681. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXXXXXX XXXX :, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I opened account and made payment on XX/XX/XXXX. This payment paid XX/XX/XXXX. Made payment on XX/XX/XXXX. This paid XX/XX/XXXX. Made payment on XX/XX/XXXX. This paid XX/XX/XXXX. Made payment on XX/XX/XXXX. This paid XX/XX/XXXX. Made double payment on XX/XX/XXXX. This paid XX/XX/XXXX & XX/XX/XXXX. XXXX shows non payment for XX/XX/XXXX. XXXX shows the XX/XX/XXXX payment as a principle payment. I've spoken to them every other day and if they don't hang up, they say they'll fix it but they don't. My credit score went down XXXX points because of their incorrect actions!!!! They've gotten enough complaints to either close them down or fix their errors immediately. Why and how are they getting away with this?!
Product: Debt collection

SUBJECT : Complaint Against XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. Alleged Attorney for Plaintiff XXXX XXXX  is a licensed New Jersey attorney, Bar No. XXXX, who is currently employed with SELIP & STYLIANOU LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; and SELIP & STYLIANOU LLP, ( Selip & Stylianou ) f/k/a Cohen Slamowitz, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX Ny, United States, XXXX XXXX for Violations of Debt Collection Practices. 

Dear Sir/Madam, I am writing to file a formal complaint against SYNCHRONY BANK, XXXX XXXX XXXX XXXX XXXX, and SELIP & STYLIANOU LLP , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ) and state laws regarding debt collection in New Jersey. The law firm is pursuing court action against me violating its terms and conditions, which mandate arbitration in the event of a dispute.

SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have disregarded the FDCPA by : 1. Violating its dispute resolution terms : Their terms and conditions clearly state that arbitration is the required method for resolving disputes. By pursuing court action instead, they are engaging in unfair and deceptive practices.

2. Unfair legal action : The firms approach constitutes harassment and abuse, as defined by the FDCPA since it contradicts their method of dispute resolution.

Additionally, the law firm has breached New Jersey state laws by : 1. Lack of Required Licensure or Registration : SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have not provided proof of their required debt-collecting licensure or registration with New Jersey state regulatory bodies.

2. Non-compliance with State Regulations : The firm has failed to adhere to state-specific debt collection regulations that protect consumers from abusive practices. 

The firms actions also raise serious concerns about their compliance with court rules and procedures : 1. Abuse of the Legal System : By bypassing the arbitration process and pursuing court action, SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP are misusing the legal system and causing undue stress and financial burden. 
2. Lack of Fair Operation : Their actions demonstrate a disregard for fair legal procedures and consumer protection laws.

I have attached copies of all relevant documentation, including correspondence with SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP, their terms and conditions, and court documents. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX, Consumer as defined by the FDCPA
Product: Debt collection

Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??
Product: Credit card or prepaid card

My name is XXXX XXXX. I had an American Express Delta Gold Skymiles credit card and received emails in XXXX offering an additional XXXX sky miles and XXXX MQMs if I upgraded to their Delta Reserve card. 

I did this upgrade on their website and have never received the miles. Minimal spend requirements were met within the three month term period. 

When I called inquiring as to why I have not received, I was initially told that I did receive the promotion and that I would see within 8 weeks post completing the minimal spend. Was then told on the same call that she provided me the wrong info and that I didnt have the promotion. 

After placing me on hold three times for well over half an hour, I was told that I would not be receiving the promotion because I didnt apply for it correctly. I have emails and mailing offering the deal and was clearly misled. They tell me there is nothing that they can do except offer me XXXX miles for my trouble. 

This is unacceptable! I upgraded and paid an astronomical annual rate because of this deal, and am now told that I am out of luck. This is not fair to the consumer, and I believe that the offer should be honored. 

I have twice requested a manager call and have not yet received XXXX.  Apparently, American Express rewards department will not take calls from customers. 

Please help me resolve this, as this type of issue is not fair to consumers. They have no issue taking their XXXX annual fee, but will not honor their own promotion. Please help me! Thank you.
Product: Credit card or prepaid card

American express ( AMEX ) uses 'Amex Offer ' promotional feature to attract customers to use their cards in particular categories. However, AMEX misleadingly hide the time zone in the Amex offer which they uses to measure if the charge is qualified. I have a Amex Offer added to my card ending in XXXX which was called " XXXX XXXX XXXX XXXX Spend {$300.00} or more, get {$60.00} back. Get a one-time {$60.00} statement credit by using your enrolled Card to spend a minimum of {$300.00} in one or more transactions, on room rate and room charges, when you pay for your stay at XXXX XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. '' The charge was made at XXXXXXXX XXXX  PST ( pacific time ) on XX/XX/2021, which was supposed to be eligible for the offer. However, Amex refused to reimburse {$60.00} according to the offer because they said my charge was made at XXXX MST ( mountain time ) on XX/XX/2021. I have no problem if Amex had told the customers that they use MST ( mountain standard time ) in the details of the Amex Offers. However, since the Amex Offer does not mention which time zone it uses, it is natural to assume it was measured in the customers ' city 's time zone. In my case, this charge should still be eligible as it was done on XX/XX/2021.
Product: Checking or savings account

Dear USAA, As a XXXX year member I have to express my complete and utter disappointment in how your banking back office has mishandled a simple request for a POD on my accounts and my mother 's accounts ( I am the POA ) since my father died in XX/XX/XXXX. After my father died my mother updated her trust and I and my husband created our own. I started the process of completing the forms for my mothers accounts in XXXX of XXXX and XXXX in XXXX of XXXX. Interestingly enough, I helped my husband ( military USAA ) member complete his forms and his POD was completed with post haste. The POD 's are still not completed on either XXXX of my mother 's or my accounts. I have called approximately XXXX times to have this process completed. I have uploaded forms through the online portal, via email requests for documents and I have been given multiple explanations as to why this is not complete. I think it is important to note that the calls take approximately XXXX hour at a minimum ( which now delights me in knowing that other people are being treated poorly waiting ). Yesterday XXXX took about XXXX minutes. XXXX weeks ago on XXXX the call was probably XXXX minutes and the call on XXXX was over XXXX hours. I have been escalated to member relations and supervisors. All of which takes an exorbitant amount of time for them to realize how many calls, documents, uploads, notes, and requests are in the system for a simple POD of a XXXX to my mother 's accounts and a different POD of a trust to my accounts. I have a copy of EVERY SINGLE document that I have sent or resent, or changed or updated or whatever was asked of me to complete a simple POD. All of these documents are dated as to when they were saved and subsequently sent to USAA. Here are the dates in which I called on XXXX or both of the POD 's and sent in 'the correct documents ' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( after speaking directly with the back office person ) XX/XX/XXXX ( after speaking with a different back office person ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are only the CALLS with a document upload. In addition, some of the forms that were sent to me to finish completing and sign had INCORRECT information pre populated from the USAA back office! I am FED UP with USAA 's incompetence.
Product: Mortgage

As addressed to United Wholesale Mortage : Back in XXXX I wanted to sign up for the budget draft and instead of taking half the payment as per terms of the agreement you instead took the full mortgage payment. I was assessed a fee for insufficient fund. I call and the fee was removed. 

Afterwards for weeks I received no feedback or paperwork work for the budged draft even after faxing over my savings account information over and over. Finally when I called you said I had to pay one month advance for the enrollment into budget draft. I did that and budget draft was finally set up. Again no communication to me that I had to make an additional month of payment. 

After that what I expected should have been no issues since it was bi-weekly payments right? Wrong. Apparently you take 3 payments on a month with 5 Fridays. I was assessed a fee AGAIN. 

So I called and explained the situation and they said that the issue will be resolved. I did this three times and every-time you stated that the fee would be removed. I even wrote on the online messaging system and I was ensured that it would be taken care of. 

I called back today almost a month later now and explained the situation to the supervisor in the escalation department and they stated that since the fee was already waived once again which was a mistake on your end that they cant remove the fee. 

Im not paying the fee. 

Loan # XXXX XXXX XXXX
Product: Credit card

XXXX notified me that my SS # was linked to a new address which was not mine. This was reported to the credit bureau by XXXX XXXX. Then I noticed I had a late payment reported on my credit report but never received email or mail regarding my bill. I called XXXX XXXX and they said my address, email and telephone # /contact info was all changed and charges were made on my account. I froze all XXXX credit bureaus and put a fraud alert for one year in place. I also filed with the FTC and signed up for XXXX XXXX.
Product: Debt collection

Contacted Franklin Collection Service , Inc. About a debt that has already been disputed through XXXX  when it was with another debt collection agency XXXX  removed it due to wrong amount! It appears that Franklin Collection has put the debt back on my credit report when it has already been removed before by XXXX! As it is written by law that if a debt is deleted off your credit report it can not be added back on. 
The amount on debt {$310.00} Last 4 digits of social security number XXXX
Product: Mortgage

Chase has reported my home loan as paid XXXX balance included in my bankruptcy. My home loan with chase was excluded from the bankruptcy. I make monthly payments and have never been late & I have a loan balance. How can they report a XXXX balance and that I have not make a payment since 2013 when I send them a check every month.
Product: Credit card or prepaid card

Hello. 

I was not able to refund some merchandise back in AZ in XXXX when COVID worsened. The merchandise has tags, and not worn. Plus, I had receipt but the manager would not accept my return. I was trying to close my account but couldnt until I was able to payoff the debt by returning the merchandise that I didnt want no more. Also, they said they would removed the {$200.00} in fees they assessed durning COVID. I was told I would be enrolled into a COVID program but then I wasnt. I had spoke to a higher up representative at XXXX and he returned my {$200.00} fees but now they have been reversed. I just want my account closed and at {$0.00} balance as I was promised in XX/XX/2020 2020
Product: Mortgage

I have a HELOC that was through my former employer, XXXX XXXX. They sold the HELOC to Specialized Loan Servicing ( SLS ) in Colorado. My monthly payment has been {$180.00} for years. SLS pulled {$1400.00} from my checking account on XX/XX/23. When I asked the reason, they advised it was for flood coverage. I advised I already have a flood policy covering my home. I provided proof of coverage, proof that it was paid in full for the {$1000.00}, and that policy is paid through an escrow account on my primary mortgage through XXXX XXXX. After half a dozen emails, and hours on their 'customer service ' site, they admitted their error, but refuse to return my money. I even tried to directly email 8 executives of SLS I found online directly, with no response. 

Today I received notice from SLS that if, I want my money back, I can call the insurance company and fight with them. I have told SLS repeatedly they took {$1400.00}, not {$1000.00}, but they refuse to acknowledge that. They also advised I needed to start paying my normal {$250.00} per month payment. My payment was never {$250.00}. I also have no doubt SLS will do this again next year. I have documentation of EVERYTHING, including emails, bank statements, escrow statements, etc.
Product: Debt collection

On XX/XX/year> this collection company RESURGENT/LVNV FUNDING added a collection to my credit report reducing my XXXX XXXX by XXXX points They are collecting for XXXX XXXXXXXX XXXX a utility company. 
I have never lived in Texas and have not allowed anyone to open an account in my name. 
This is fraud and I need to get the collection removed from my credit report.
Product: Debt collection

On XX/XX/2024 - Kimball Tirey and St. John from their XXXX XXXX based XXXX XXXX office - connected XXXX XXXX ( my name is misspelled ) with a {$69000.00} overdue on payments for the XXXX XXXX XXXX  on XXXX in XXXX XXXX XXXX. I have never lived there or paid anyone to live there, and am concerned about identity theft and will check bureaus and consider hiring a lawyer to handle this should the problem get escalated. I have reported to your bureau, along with XXXX, and XXXX  XXXX and likely will with XXXX. XXXX has a XXXX rating on XXXX, so not too concerned about this issue escalated, but will take significant steps to protect myself and credit rating.