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

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to dispute unauthorized inquiries. Transunion refused to remove inquiries and stated that I must get a letter from the company in order for them to remove them. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to dispute unauthorized inquiries. Transunion refused to remove inquiries and stated that I had to contact the creditor and get a letter from them in order for the inquiry to be removed. I requested a fraud alert as they said that a fraud alert would help. Couldn't get letter from any creditor and Transunion refused to remove them. Affidavit attached. Additionally, I was denied for credit due to too many inquiries on Transunion, but they refused to help or challenge them. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to explain that there were addresses and more inquiries that appeared on my credit report. Transunion refused to remove inquiries but had no issue removing address. Additionally an extended credit freeze was placed on my report without my knowledge and they blocked my ability to do anything on line. I had to submit everything related to disputes or removal of extended fraud alert through the mail to their XXXX XXXX XXXX in XXXX, XXXX. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to report unauthorized inquires. Transunion refused to remove them from the report and said I needed to get a letter from creditor in order to have the unauthorized inquiry removed. Additionally, I sent a letter requesting the extended fraud alert be removed from my report as it was not helping me and also for them to release the block on my online access so I could monitor and control my credit file through the credit freeze option. They refused to grant me access online and said if I wanted the freeze option I would have to do it over the phone with a pin number. Affidavit attached. 

XX/XX/XXXXXXXX  - Contacted Transunion because they added back some accounts to my credit file that were previously removed for identity theft. They did not want to fix the credit file and remove the unauthorized accounts, so I sent an FTC Affidavit  to them again, requesting for them to be removed. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion as there were more unauthorized accounts and disputes on my credit report that Transunion refused to remove. Transunion advised that without a letter from the original creditor, the FTC Affidavit was not enough for them to remove it. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and sent it in regarding unauthorized inquiries that were still showing on my report. As of today, no response from Transunion. Affidavit attached. 

XX/XX/XXXXXXXX  - Creted another FTC Affidavit for Transunion and am sending it in tomorrow XX/XX/XXXXXXXX  since I can not dispute items online or over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts on my credit report. I completed an ftc identity theft report.
Product: Credit reporting or other personal consumer reports

Ive been trying to resolve the credit reporting issues youll see in the attachment attached for many months. Ive got nowhere.
Product: Credit card or prepaid card

Synchrony Bank is misapplying payments and not honoring promotional purchases that have deferred or no interest. Synchrony Bank is charging late fees even when the payment is received before the due date. The screen shot below shows a XXXX XXXX applied XX/XX/XXXX, which is the payment due date. The screen show also shows the payment of {$250.00} was received XX/XX/XXXX, which is 6 days before the due date. 

Synchrony Bank shows incorrect minimum payment amounts on their statements regarding the minimum payment to avoid interest. I have screen shots and statements that show the incorrect calculations and misapplied payments. These statements are not being included due to containing personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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

I was shocked when I reviewed my credit report and found a 90-day late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

We applied for a loan in XX/XX/year>. We were told that we had too much acreage for the loan so we had to have our property resurveyed and XXXX acreage removed. We deeded that land to another owner. The second week in XXXX we realized that the parcel had not been released from our mortgage. We started conversations with XXXX XXXX in XXXX. I have a recorded phone conversation with her stating it was not handled properly by their team member. She admitted the loan was handled incorrectly. We sent the partial release application on XXXX. I have sent multiple emails asking for updates to the point I just quit sending because I did not get any responses back. On XXXX XXXX called and said it was going to take at least another 45 days for the lender XXXX XXXX to review so basically she was wanting me to stop asking for updates. At one point I sent another email and received a response that XXXX was out of the office and that XXXX was filling in for her. On XXXX my husband called asking for updates and XXXX on the executive team she would have our account reassigned to another team member by Tuesday of the following week. I asked for a new contact number but she said it was going to be reassigned and I would receive the contact information on Tuesday. On Wednesday I had not been contacted so I reached out to the contact left on XXXX 's email just because I didn't know who else to contact. XXXX returned my email with devastating news. She explained that we needed XXXX new appraisals one with all the land and one with the removed parcel. I sent her the name of the appraisal company that they had contacted for the closing of the loan that did XXXX appraisals at our expense. She said those appraisals that were requested in XXXX were no longer valid because they were outdated and need to be less than 120 days old. That means we would have to pay in appraisals more than the land is even worth. Why should we be penalized when the team member handling the closing let this fall through the cracks then XXXX consistently told us wait, and on XXXX she sent an email which is attached below that the information was sent to the investor and we had to wait another 45 days which made the appraisals outdated. We have completed XXXX appraisals one with all the acreage and one with the removed acreage and a survey. I will be willing to provide a complete survey but I am not willing to to have XXXX more appraisals done because of their negligence. The new owners of the XXXX acres have not been able to follow through with their plans for their house because it has not been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX  XXXX XXXX XXXX regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and nave a responsibility to report consumer information to the a best of there ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/20 ]. Please investigate and provide proof with statements Showing that these late payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
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 BANK XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as 2012 and this has hurt my credit.
Product: Bank account or service

I have over {$250000.00} Goldman Sachs Bank Saving Account. This account was blocked due to a divorce case and waiting for settlement. Now the case is ended and the court ruled out this account belongs to me. I sent this CERTIFIED JUDGMENT ON XXXX ISSUES to : GOLDMAN SACHS BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX As per Goldman Sachs Bank requested, I sent the original certified court order and it was delivered on XXXX. I called them on XXXX and spoke with XXXX of their associate. She told me it takes up to 7 days to process. The next day, I call them again. This time I spoke with the manager, XXXX XXXX. He stated it takes up to 30 days to process. I told him XXXX XXXX and XXXX at the local branches here ( XXXX ) take only 2 hours for their corporate legal department to unblock an account. Why Goldman Sachs Bank takes that long? I suspect Goldman Sachs Bank uses my money for trading and the funds are not available to pay me back. 
I guess next month if I call them, they will tell me it takes another 30 days and so forth ... 
I am unemployed since XXXX XXXX, XXXX. I need money to pay back to my relatives whom I borrowed money from. I need money to pay my rent ( I live in a mobile home park ), property taxes, and foods for my family and I need to use the money to invest in XXXX just in case an economy crisis or inflation. 
Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXX XXXX on XX/XX/24, therefore the amount should be removed and eliminated from my credit report. 
Account name XXXX XXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my paypal account.I am using my paypal account for online business as XXXX since XXXX until XXXX.My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes.And I am hoping that I will get back mt account and able to withdraw my funds.Thank you and Godbless. 

For identity verification, I attached my valid ID.Please see attachment
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was switching banks. I was going to transfer funds from XXXX account to Chase account. I was told by branch manager that the easiest way to do this was to write myself a check ( up to XXXX ) and transfer money slowly that way. This was on XX/XX/XXXX. 
I went home wrote check from XXXX account to myself for the amount of XXXX and took a picture on mobile app to deposit it. Check denied as front was not signed as I had made mistake. I signed check, took picture again and attempted to deposit. Account closed hours later for " fraudulent activity '' I called to re-open and they would not. Spoke to multiple people on multiple days. Was told on XX/XX/XXXX after going to branch I opened account that there was nothing they could do to re-open account but not to worry it was closed and check would NOT clear my current account at XXXX. 
On XX/XX/XXXX the check cleared XXXX XXXX. Chase claims they were not in my account, but on mobile app with XXXX it clearly shows it was deposited in JPM Chase account. 
I have called relentless amounts of times. Sent emails and no one can " find '' the money and if they do find the money tell me it can not be released. Stating it was fraud. I explain the situation time and time again to them and that I made a simple mistake that most people make daily and it does not matter. They still currently have my {$2000.00} and still no one can tell me when I will receive this money, IF I will ever receive the money and any sort of time frame for what is going on. 
I would just like to get my {$2000.00} back as I am currently in the process of buying a home and going back to school. It is MY money and I should have access to it regardless of the circumstances.
Product: Debt collection

I am presently working with a debt consolidation company to resolve my debt with XXXX XXXX. For over a month, I continue to receive up to 20 calls per day, and family members do as well. Now, texts are being sent to my family members with my information. I have communicated to XXXX several times to only contact me, but this has not been respected. My family members continue to be harassed, and my place of employment was contacted as well, which I know is not allowed. This is unacceptable to me. I have now requested that ALL calls cease immediately. I have not been successful resolving this issue with XXXX XXXX, and I am aware that the tactics they are using are not allowed.
Product: Mortgage

Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...
Product: Checking or savings account

On XX/XX/year> we attempted to extend our XXXX reservation by booking an additional reservation. This booking amounted to {$410.00}. At the host 's guidance, we canceled that second booking and made a change to our original stay. XXXX provided a refund for that now double-booking as XXXX credit , which we asked support to have refunded as our original payment method instead. After some back and forth, XXXX support initially said they would refund us within XXXX hours. Once that XXXX hours had passed, they said they actually wouldn't refund us. We then filed a claim with our bank, Chase, on XX/XX/XXXX. 

We continued to update Chase with the correspondence we were having with XXXX, where XXXX eventually agreed on XX/XX/year> to provide a refund of the booking credit to our original payment method, and that this refund would be completed by XX/XX/year>. We still have not received it. 

On XX/XX/year> Chase closed our claim after contacting XXXX and being told that we were given a cancellation policy at booking. We called Chase today, on XX/XX/year>, to find out more information. We were told that because XXXX provided that documentation, they were not willing to do further investigation on our case, even though we provided all our correspondence with XXXX demonstrating they were guaranteeing us a refund to our original payment method. We were instructed to instead continue to ask XXXX for support, but XXXX sent us an email saying that they would be unable to resolve our dispute with a claim filed and that the bank and XXXX would have to resolve the dispute. Chase 's claims investigation team told us over the phone that, despite our documentation, they were " unable to do anything '' and to continue to contact XXXX for help. Upon asking for a copy of the documentation XXXX provided, Chase has said they can only send it through letter mail. Before ending our phone call, they told us they had requested those documents- but I have not gotten to see or review them, and as per Chase, the case can not be reopened despite the evidence I've provided. 

As long-time Chase customers, we are disappointed. Chase has insisted multiple times over the phone now that they are unable to do anything and that because XXXX provided documentation showing their terms of service, we are ineligible for any refund. This is despite us providing numerous documentation showing XXXX support verbally and in writing promising full refunds. As of today, XX/XX/year>, neither XXXX nor Chase have resolved this case and Chase has sent a letter through our account saying that they would be reversing our claim credit on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, nor do I recognize their origins. Under USC 1681g, I am requesting their removal within XXXX XXXX. Attached are supporting documents for your review and reference.