23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit account with Synchrony Bank for purchase made last year at Rooms to Go ( account ending in XXXX ). Since XX/XX/XXXX, I have made monthly payments of {$48.00} ( minimal due on the account ). Payment history is as follow : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX. Each payment made was {$48.00}. This month 's statement indicated a past due balance and current balance, requesting minimal payment for {$160.00}. When speaking with customer service and also a live chat agent today, I was told that I made late payments, although, for the past 13 months, I have made my payments. I was informed today that the reason for the late payments were that I was paying my account ahead of the due date of the XXXX and making payments before a statement is generated ( penalized {$110.00} ). This is not acceptable billing practice. I also have two additional Synchrony accounts which I pay the exact same way, at same time. I pay majority of my bills at either the last day of the month or by the XXXX of each month as I have receive my income once a month, at the end of each month. I had asked Synchrony to remove all the late charges from my account, they only removed one, {$39.00}. I do not want to pay the additional late fees ; I was NOT late. I paid my monthly due payment of {$48.00} only today and I am now asking your assistance to resolve this issue ( which I consider to be fraudulent charges ). I did not make any changes to my Rooms to Go account with Synchrony ; I have been making my payments the same way each month, on their payment portal, and now all of a sudden they are charging me a total of {$110.00} in late fees. Their explanation does not satisfy me as it is wrong what they have done. I appreciate your assistance in helping me resolve my dispute against Synchrony-Rooms to Go. I hope to have a favorable response before the next statement is generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX
Product: Bank account or service

I received a notice today from a company claiming to be litigation company / attorney service who is filing a claim against me. The company is XXXX bank, however I have not received any notice which gives me 30 days to dispute the account, however the letter stated to call XXXX directly which I did. Upon calling XXXX XXXX was unable to find anything other then where I applied for the account, I verified for him that I was not granted the account and never made a initial deposit which returned and I was told the account was {$60.00} due. XXXX transferred me to XXXX ( blind transfer ) in overdraft collection dept from there XXXX did n't ask me for one thing she told me to go into the bank. XXXX told me there was nothing she could due, and I would not be able to dispute the account I needed to go into the bank. I explained I never went in to apply it was never opened and begged for her to look up my info she refused. I asked for a supervisor and I was denied access to one I do n't owe these people a dime. The company under this ficticious law firm corporation is frivolous, threatening to damage my credit, and prosecute me however if they are acting as a debt collector they have denied me the right to dispute the debt XXXX is not in compliance as well.
Product: Debt collection

XXXX XXXX Credit sold a debt to Portfolio Recovery Associates I have for the past 4 years requested the original application/validation demonstrating that I personally applied for this loan. 

They have not provided this documentation. The mailing address that they have was for my business. I did not apply or authorize this loan, I believe that an employee ( former husband and controller ) applied for the loan without my knowledge. 

They state that because there were payments made and that this is sufficient validation. I have requested documents related to the methods these payments were made by me ( ie check, another credit card ) which I have not received. 


In summary I believe that I should be able to obtain the original application and what form of authorization I made for this debt. 

I am unable to proceed with other action related to use my name and information fraudulently without proof.The negative report has impacted my credit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had tried several times to get this account removed from my credit report. Experian refuse to remove it even after I have sent the FTC report and the police report. I don't what else to do other than getting a lawyer!! It is a collection from XXXX XXXX for {$6100.00} it is FRAUD and should be REMOVED!!!!!!
Product: Debt collection

I am in the process of buying a home. I learned that there was an alleged debt owed to XXXX XXXXXXXX being pursued by a collection agency named Rausch Sturm Israel Enerson and XXXX. This was a surprise because I am confident I paid the debt in 2020. At that time I settled a couple of delinquent accounts with credit card companies and medical bills. It is my recollection that XXXX XXXX XXXX first contacted me about this debt and subsequently XXXX XXXX began collection efforts on behalf of this debt. Because of the time that has passed, I contain locate the records. Therefore, I contacted Rausch to get information. I also contacted XXXX XXXX. Neither entity has responded. I provided the CFPB a copy of that letter. I believe the parties have failed to verify this debt because it was in fact paid to one of the collection agencies but my account was not credited. Moreover, I believe this debt may be time barred pursuant to the statute of limitations. I believe my recollection of the events is correct because for a period of time after 2020 this debt did not appear on my credit report.
Product: Debt collection

Did not even know about the debt initially until I was applying for a credit card and it came on the report. The debt was an invalid debt from the apartment complex and I was speaking with them when my lease ended in XX/XX/XXXX to settle it. 

Once I found out about the debt, the address that was shown on my credit report was not the address their office was located for any resolution letters to be sent so there was no way to contact them by certified mail. I did more research on the company and found out they have a different address that is not listed on the collection reports and it was the correct address. I requested them to validate the debt around XX/XX/XXXX, which they agreed to not report the debt for the period of time they were validating it because they needed more than the 30 days in order to do that ( it never stopped reporting on any of my reports during that time frame ). When they validated the debt all they provided was the receipt for the apartment complex that used to own the center I was residing at ( which that company is n't even there anymore ). The amount that they stated was owed was approximately {$260.00}, but for some reason the collection amount they said I owed was {$290.00} which was invalid. 

After I received all the information and discussed with them how everything was invalid they still continued to report the invalid information. 

XX/XX/XXXX I contacted my attorney to communicate with them in order to get this issue resolved and the invalid account removed. They resolved the debt, but the account is still reporting negatively and inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccurate and unverifiable items on my credit report, as detailed in the accompanying documentation. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates that credit reporting agencies conduct a reasonable investigation and correct or remove any inaccurate information. Furthermore, under FCRA Section 1681e ( b ), I am entitled to a credit report that is accurate and reflects only verified information.

Additionally, I assert that the Fair Debt Collection Practices Act ( FDCPA ), under Section 1692e, has been violated by continuing to report inaccurate and unverifiable data, which constitutes an unfair and deceptive practice. 

I have made previous written requests to have these items removed or corrected, but no substantial action has been taken. As a result, my credit report contains false entries, including data relating to fraud and identity theft, and I demand an immediate update and rapid rescore of my credit report to reflect the accurate status of my credit history. 

Failure to comply with this demand will leave me no choice but to pursue legal action, including litigation for violations of consumer rights and failure to adhere to the FCRA and FDCPA. 

Please consider this my formal request for a thorough investigation and the removal of the disputed items. 

Thank you for your immediate attention to this matter. 

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

In accordance with the Fair Credit Reporting Act and the united States Code the following XXXX  accounts has violated my rights. 

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 XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Ms. XXXX, Your statement isn't quite true or accurate. IF my loan was, according to you " intended to be boarded '' by the XXXX XXXX, IL office all along, why did you in route documents and payments to XXXX, XXXX, CA?? You do realize NONE of the payments I make go to XXXX XXXX, IL, but to XXXX TX!!?? I don't know about you, or your organization, but in my business, I don't route payments to XXXX, or XXXX, when the payment and all documentation is in XXXX! I want / have the payments sent directly, straight to XXXX ... that's called efficiency! 
Your response fails to mention or acknowledge the MITIGATION documents sent to me by YOU ... XXXX XXXX, IL by XXXX XXXX!! ( Where the loan and documents are " boarded ''!! ) Those documents were dated XX/XX/XXXX.! 
Please explain to me ( AND to Mr. XXXX ) WHY I am receiving from you, loan and personal information in an UNSEALED envelope, ( included in your communication to me ) Mr. XXXX XXXX XXXX of XXXX, GA XXXX Loan # XXXX!! ( I only included the last 4 numbers of the loan ) ... I may be mistaken, ( but I don't think I am ) ... it is against the law to disclose someone else 's personal and loan information ( unless they give you permission )!! 
I just wonder, who's received my personal information! Once again, because of your lack of professionalism I am having to refinance at great cost to me, another loan from your organization! Doing business with you is extremely costly, Dovenmuehle/XXXX XXXX XXXX! This now makes 2 loans, 4 sets of documents, inspections, filings of documentation, and titles documentation that you should reimburse me for!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been attempting to pay my student loans every month. My account information wa correct and my bank information was correct. The company could clearly see that I was going on every month and paying. The system said successful and confirmed. 

On their behalf, they did call, ONCE from a private and blocked number asking for my information. I went on the account and saw that it had not been successful so I paid it again- which XXXX can see on their system. I also tried to call twice however I was on hold for over 20 minutes. I work over 50 hours a week, have to live as a single parent who has a XXXX  XXXX - that works specifically to pay my student loans. WHY, would I not pay these? 

So on XX/XX/XXXX after dealing with this for 2 months I wrote to XXXX and told them i would have to consolidate because I could no longer deal with hem not accepting my payments- all other companies have no issue but this one. They received the email acknowledged the wait on a loan consolidation. 

Now miraculously 3 days later they find the time to report me to credit bureau and dock XXXX pts off my credit that I have been building for 10 years. I called them multiple times asking how to fix this assuming it must be a mistake- they informed me I had {$600.00} too much for them to help me. That is {$610.00} over poverty line, do you understand what that means? That I can barely pay bills but they would only help me if I actually could not pay my bills. 

When I asked why they retaliated my loan consolidation with a credit report they said they absolutely would never do such a thing that they always report people that are delinquent at the end of the month however I have proof they did not report me until at least the XXXX of XXXX. On XX/XX/XXXX my credit was a XXXX when I applied and received a car loan. SO please explain why a company worth BILLIONS of dollars is retaliating against one, mother that singularly takes care of her child while struggling to work with XXXX XXXX including XXXX? 

I attempted to ask XXXX for a resolution, multiple times. I submitted my paycheck stubs which apparently was {$300.00} too much in 2 weeks for them to acknowledge I could need financial help. I also showed them multiple emails between myself and XXXX that I was trying to communicate with them to get the problem resolved PRIOR to this issue occurring and after. Not to mention stating I had always been willing to pay my bill, I had try to pay it which they also acknowledged and furthmore I said I would pay them right away by cash, credit or check. They denied all requests.
Product: Credit reporting or other personal consumer reports

I have sent rounds of letters but they do not take any action about it.
Product: Checking or savings account

Dear Sir or Madam, I appreciate your taking the time to view this. In XX/XX/XXXX I opened a checking and saving account with Wells Fargo Bank. They were running a promotion of {$200.00} if you met certain requirements on the Checking Account. I called in XX/XX/XXXX inquiring when the bonus would be posted. The lady told me I had qualified and the bonus would be deposited within 45 days. I sent them a message after the required time. I was told they needed an Individual Taxpayer ID even though they have my social security number. They said they would mail me the form I needed. I waited 14 days and asked about the form. They told me I should have received it within 10 days but they would mail another and for me to fill out and take to my local branch here in XXXX, GA. I filled out the form and took it to my local branch back in XX/XX/XXXX. I called just a short while ago and after holding for several minutes I was told there were no bonuses advertised during the time I opened my accounts. I asked why I had been lied to and she said I would gotten a code in the mail to receive the bonus. There she contradicted herself. I know {$200.00} is not much to some but I have jumped through all their hoops for months now only to be lied to once more. Can you please tell me what I need to do as contacting Wells Fargo is useless? I am going to close my accounts but I feel they need to answer for their unsuitable behavior. Thank you.
Product: Debt collection

AES has ignored my request for investigation of forged documentation on my promissory note. They have used elusive tactics and verbiage to elude the fact this promissory note is proven to be forged. I have provided the package back with all my signed notarized signatures and samples from documentation-signature past and present- current for comparison. The promissory note was forged by someone at XXXX  XXXX XXXX XXXX * { k. XXXX possibly see promissory } inserts were made, dates were altered, scratched off not signed to verify the altered dates, and this signature is mine. The inserts of persons reference are completely false. The person that altered this inserted friends when they are in fact my family. This altered inserted description is not my handwriting. 
The transfer forged documentation over to Goal Financial from XXXXXXXX XXXX XXXXXXXX XXXX was illegally preformed. They have not provided me with proof of a hand analysis experts to come to conclusion for denying my claim. They are elusive to my inquiries regarding this case. 
I have been dealing with this since 2019 during the hardship of the pandemic, when discovery of the promissory note was mailed to me only because I requested it. I have never received this promissory note and I can see why. It was altered and forged
Product: Money transfer, virtual currency, or money service

In XXXX I received a check for a settlement with Ocwen ( a mortage company ) It was made out to myself and my ex-husband. Since I was unable to cash it I called the company and they recommened that I send it back voided, which I did. I waited approx 1 month and then called Ocwen. I spoke to someone in the call center who told me that the check was being reissued and mailed to me in Nevada. I again waited a month, which was their recomendation. I then called again. This time they said the check had been mailed to Utah in error. I told the call center to stop payment and was told why? I said someone will cash it, they told me no one would do that they would get in trouble, I told him someone will try and probably suceed. He told me to continue to wait they would fix it. I waited approx 2 weeks then I recieved a call saying the checks had been cashed. I was told that they would do a fraud investigation. They told me to call back in 2 weeks. I have called and called and they continue to give me the runaround. I left a call back number and received a call back number after about 2 weeks and I was told they were sending the canceled checks which never showed up. I again called and was again told be patient fraud investations take time. I'm still waiting. I think the fraud investation should start with this company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint on Block ( cashapp ) due to inadequate customer service and unfair practices which violate cfpa. Cash app failed to take timely an effective measures to prevent And address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution service on their platform was unfair and deceptive they did not comply with error resolution requirements under the EFTA. these actions have caused significant inconveniences in financial loss. ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived with an XXXX ex for like 2 weeks at an apartment. He XXXX XXXX the last time and I left. I was never on the lease or signed or anything like that. The apartment people have sold my info to a company that refuse to validate the debt and refuse to remove it off my report.
Product: Consumer Loan

Had a vehicle loan with Prestige auto, after years of paying and being harassed by the company we voluntarily gave back the vehicle we then filed bankruptcy in 2006 and Prestige was an account on the bankruptcy, I have requested this to be deleted off my credit report and no one is doing this also there i a address in XXXX on my credit I have only lived in XXXX My entire life never anywhere else. This has caused me no to get jobs, places to live and loans