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

XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX WAS HACKED ( comment from XXXX XXXX ; received by email address XXXX ; XXXX account " XXXX '' ) Contacted XXXX  and XXXX XXXX for Possible Credit Card application pending. Called both companies on XX/XX/XXXX between XXXX XXXX  and XXXX. Spoke with rep ( XXXX ) to void application. Rep confirmed applications voided, confirmation to be mailed. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. 

Possible Credit Card application pending. Called company XX/XX/XXXX at XXXXXXXX XXXX. Spoke with rep to void application. Rep confirmed application voided, confirmation to be mailed. 

XX/XX/XXXX, XXXX XXXX XXXX 

Possible Credit Card application pending. Called company XX/XX/XXXX at XXXXXXXX XXXX also called back at XXXX XXXX. Spoke with rep to void application. Rep confirmed application voided, confirmation to be mailed. 


Credit Files Frozen on credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Certified mail letters. XXXX is being lazy and not doing their job. Under the FCRA, the burden of proof lies on XXXX, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, XXXX, TransUnion CEOs as last resort before I Sue them all.
Product: Mortgage

My hardship begin In XXXX, when I lost my job after 20 years at XXXX XXXX XXXX. My wife was also recovering from XXXX so she was not able to work. By losing my job with XXXX XXXX XXXX I lost my health insurance and all the medical bills were paid out of pocket while my wife was ill. 
I started a new job at The XXXX, on XXXX XXXX, 2015. I had to take a huge pay cut. At the XXXX, I had no health insurance and with the pay decrease and added expenses we were unable to pay all of our bills. This caused us to get behind on our mortgage payments. 
I was advised by US Bank to apply for a assistance and our loan has been in review for over a year now and they still denied any assistance to get our mortgage current. See the denial letter attached. The denial states they can not give me any assistance because of indemnification clause. As of today I still see no indemnification provision. I contacted US Banks and requested them to identify the document which indicates that the loan prohibit loan modifications.. I need to see if there is a conflict between the guidelines and HAMP. If there is then HAMP guidelines require servicers to make reasonable efforts to the investor restriction, which is XXXX XXXX. I also sent a complaint to XXXX XXXX and they will call me back as to why I ca n't get assistance to keep my home. 
US Bank subject borrowers to " Kafkaesque delays and obstructions for loan modification. They have a pattern when I send in applications and documents I have to send the same documents over and over again. I am in a bad place right now with my mortgage because they will not give me any assistance with my mortgage nor will they accept any payments. Therefore, with every application denied my delinquent payments increase to the point where I ca n't pay it. I am just not understanding why US Bank is doing this but I do know I will fight to keep my home and will do and have done everything I could do to keep my home. I have some equity in my home and I have enough income to keep my home. I have every intention to keep my home. 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a debt validation letter to National Credit Systems via [ certified mail/tracked delivery ] requesting validation of a debt they claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). According to the FDCPA, a debt collector is required to provide validation of the debt upon request and cease collection efforts until such validation is provided. 

As of todays date, XX/XX/year>, I have not received a response from National Credit Systems acknowledging or providing the requested debt validation. This lack of response raises concerns about the legitimacy of the debt and is a violation of my rights under federal law.

Despite not validating the debt, National Credit Systems may still be attempting to collect or report this debt to credit bureaus, further compounding the issue. This has caused unnecessary stress and could negatively impact my credit report.
Product: Debt collection

After requesting validation { not verification } of the item reported and not receiving a response, I contacted XXXX XXXX XXXX XXXX in XXXX XXXX to start the process of credit repair for several erroneous items reporting negatively and incorrectly. One of the collectors is Resurgent Capital Services, and they are attempting to collect a balance owed due to fraud. They sent a letter in the mail DENYING me an investigation stating, they found my dispute to be " frivolous and irrelevant '' because I am using a credit repair service. This is against the FCRA and violates my rights of requesting debt validation and dispute investigation. This company has no license to collect any debts in the state of South Carolina and this debt is false. I have never had a XXXX XXXX account. 
I have attached the letter sent from Resurgent Capital Services to this complaint.
Product: Debt collection

I checked my credit report and there 's a collection for  XXXX . They refuse to show me any documentation. I just turned  XXXX  in  XXXX . There 's no way I authorized this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX tradelines on my credit report XXXX and XXXX XXXX, both of these tradelines are reporting accurately with XXXX and XXXX. I have asked Experian multiple times to please update their reporting and apply this tradeline to my credit profile. They have failed to respond to my multiple request.
Product: Mortgage

I purchased my home late XXXX of 2024, and started paying mortgage payments in XXXX. I have paid my mortgage payment every month but my mortgage company, Amerihome Mortgage Company, will not receive my payments. I pay the amount every month on the first and then I get an email that states thank you for your payment then for the rest of the month I get calls from the mortgage company saying I have never made a payment at all and the payment has been rejected. I have called my bank and they say it has nothing to do with them. They are now threatening foreclosure and wont do anything to help me. Ive given them my bank routing numbers multiple times and I have spent many hours on the phone with them and nothing ever gets resolved. Ive done research on this company on XXXX and there are hundreds of people dealing with this same issue.
Product: Credit reporting or other personal consumer reports

RE : CFPB Complaints # XXXX ( Equifax ) XXXX # XXXX ( XXXX ) and # XXXX ( XXXX ). Each of these credit reporting agencies are now in violation of 15 USC 1681c-2 ( Fair Credit Reporting Act 605 ( b ) ). In accordance with this piece of legislation, these items listed in the report should have been removed within 4 days. This has not happened. An FTC Identity Theft report ( # XXXX ) has been filed documenting the Breach of Trust which clouds all of the transactions noted in the FTC report. The consumer is now pursuing actions in equity ( UCC 1:201 ( b ) 1 ) against all agents of all the consumer credit corporations listed in the report for breach of trust ; UCC 2:103 1 ( j ) " Good Faith ''. Not to mention, the original collateral instrument ( s ) in all of these transactions was sufficient to secure the alleged debt ( s ). None of these corporations have been damaged in the consumer credit transactions in question. i, the consumer have however been harmed and continue to sustain harm, damage, loss and hardship due to the fraudulent reporting of these accounts in question. Each and every one of these accounts are evidence of the crimes of unlawful conversion, unjust enrichment, fraud, coercion, lack of disclosure constituting real damages to i, the consumer. Each of these alleged 'contracts ' are herein rescinded due to lack of consideration as i, the consumer no longer view Federal Reserve Notes as consideration. Ergo, the contracts are not legally binding. 

Further, a criminal complaint will be pursued with the Department of Justice against the credit reporting agencies for failure to comply with FCRA 605 ( b ) " blocking '' fraudulent information on the consumer 's XXXX  credit reports within the 4 days allotted for the removal of said items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and using my computer to get in touch with BOTH XXXX and Equifax. 
NO human and website for XXXX is a disaster. CAN NOT get any information about a complaint. 
Can not get Equifax on the phone about a dispute. 
Both companies reports have been effecting my credit report adversely, I need to fix this ASAP. 
I was able to get thru to XXXX  - they are not a problem at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ihave tried contact equifax due to items on my report form 4 years ago stating collections with no NAME just numbers see attached tried calling equifax on phone but was disconnecteed on  2 differen t occasions
Product: Credit card or prepaid card

I recently had my name legally changed. I submitted the required documents to Cash App on XX/XX/2023 so that the name on my account and Cash App debit card can be updated. I also requested a debit card with my new legal name on it. It's been two weeks and I have yet to receive a card with my new name, nor have I received any updates about the status of the name change. When I've reached out to Cash App support regarding this issue, I receive the same canned response every time ( from customer service reps and their supervisors ) : " We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX. '' They've confirmed that they've received the documents that are required to process the change. I've updated my name with all of my banking/financial institutions over the past three weeks with no issues. I'm confused as to why Cash App has not been able to successfully process the change and why no one is able to give me any information as to why this hasn't been completed after 14 days.
Product: Credit reporting 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 XXXX XXXX XXXX  : Account Number # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX ) Account # XXXX XXXX ) XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account : # XXXX XXXX XXXX XXXX XXXX Account : # XXXX THE ACCOUNT I HAVE LISETD ABOVE 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: Checking or savings account

I opened a checking account with TD Bank back on XX/XX/. At the time, they promised a {$200.00} checking bonus after completing the following : you must : 1 ) Open a new TD Convenience Checking account ; AND 2 ) Have your direct deposits totaling {$500.00} or more made into this account within 60 calendar days of the account opening date which I met with in the first two weeks of opening the account. After have completed the requirements outlined above, they were supposed to deposit the bonus in my new account on or before 180 days of account opening which fell on XX/XX/XXXX. It is now XX/XX/XXXX, and I've received nothing. I have been messaging and calling for over a week. 

This was the response I received today for the second time. 

" XXXX XXXX, Thank you for contacting us about a new account promotion. 

I appreciate you taking the time to send us a message. 

Our Promotions team does currently know about your request. 

They have informed us of a system outage that is preventing promotional bonuses from being reviewed and applied. At this time, we have not been provided with an XXXX. 

They have confirmed that once it is resolved, they will research and respond as soon as they can. 

I have reached out to them to verify if the outage is still ongoing and if your request has been reviewed. 

Once I have received a response, I will send you another message right away. '' I have been promised by a supervisor twice now that I will receive a call back with 24 hours with a resolution, but to this day I have not received any calls.
Product: Prepaid card

I received a {$200.00} US Bank Visa gift card for my birthday in XX/XX/XXXX. I didn't register the card right away because I was holding off on spending the money until I really needed it. Fast forward to XXXX or XX/XX/XXXX I registered the card online ( https : //www.prepaidgiftbalance.com ), used my Name, Address, Phone number and Email to register the card and verify the balance. At that time, the balance was still {$200.00}. On XX/XX/XXXX I tried using the card to buy my sister a birthday gift, and the card was declined. So I logged back into the website to check the balance and the card was empty! I checked the account information and someone had changed all the contact information. Everything! Name, Address, Phone number and Email. I checked the transactions and someone stole my card and used it to make multiple unauthorized purchases. I called customer service and after being hung up on multiple times by reps, I was finally able to speak to someone and they instructed me to upload documents to the website ( ID & Visa Card ). When I tried doing to, I noticed the account was now locked. So absurd to instruct me to go upload documents and then lock me out of the account! I was able to speak to someone in the XXXX, and they instructed me on how to upload documents. Its been 2 weeks and I still haven't heard back from anyone regarding this matter. They need to check the records and verify that I registered the card, and someone went in there and changed it all and stole my money! GIVE ME MY MONEY BACK!!!!
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I received an email from XXXX XXXX advising me that they " identified potentially fraudulent intent '' associated with a recent loan transaction. They also advised that I have not made a payment on a loan I took with them and finally they advised that I have taken steps to prevent them from collecting the and/or communicating with me. 

1 : There was on fraudulent intent. When I applied for the loan I felt that I could afford to pay it and when they verbally asked if I could repay it I said yes. Shortly after I took the loan my world turned to XXXX! My wife left me for another man, and basically left one income to support a two income household. The mental anguish from my wife leaving me exasperated my XXXX ( from my numerous XXXX XXXX XXXXXXXX ) and my therapist strongly suggested I move away from the XXXX XXXX XXXXXXXX XXXX stop being reminded of my wife all the time. Naturally moving as well as running a two income household on one income put a stress on my finances, and for my own health I needed to make decisions on what to pay and what not to pay. As a result of my wife leaving me, my finances have suffered and I'm not able to repay this loan. 

2 : I have made payments on this loan 3 : I revoked my XXXX XXXX as I believe I am able to, and XXXX continually called me at work and asked them to cease calling during working hours. I'm more than willing to talk to them during hours when I am not at work. 

They want to accuse me ( a XXXX Veteran ) of fraud but look at their business practices! They charge outrageous interest rates and use tribal sovereignty as their mechanism to do so. I'm willing to bet that if you look closer, this is actually a " XXXX XXXX  XXXX '' scheme and the payday lender ( who is not on XXXX XXXX XXXX ) is making a killing, while the XXXX  named in these loans is getting pennies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX  XXXX  XXXX  before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX XXXX  nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX  XXXX, XXXX XXXX. 

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

This account was paid off in XXXX of XXXX and they are still reported it as XXXX written off. This was settled in full and there is no balance and nothing written off. Should reflect as PAID with nothing written off Account name XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$210.00} written off. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX No phone number available Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request.
Product: Credit card or prepaid card

I had a credit builder account through self financial online and successfully paid it off to term. Through the loan process I used the balance of the money I had paid in ( {$1500.00} ) to place a deposit on their secured visa credit card. When the loan was finished and it was time for me to open another loan I didnt submit my ID verification documents snd ghe account and credit card account were closed on XX/XX/2023. The bank statements for XXXX and XXXX of 2023 state I am to be issued a refund of my deposit {$1500.00} and I have called this company 4-5 times and asked when I will be getting my deposit/payout sent to my account and they first said I needed to submit identification verification documents which I did promptly. That was back in the last week of XXXX of this year. Every other time I call and complain they tell me the escalation department will email me concerning the issue but they never do! And finally after the last call and request for information they sent me an email stating that they were not obligated to give me any time frame in which my money will be returned to me and thats a bunch of XXXX! Can you please help me get my deposit released and deposited into my account? Thank you.
Product: Debt collection

Back in XX/XX/2019 I called the company to make a payment arrangement on my account. At that point an arrangement was. Made, I paid {$120.00} and for each 5 months following I made the payments I was told to make. In fact, I did automatic withdrawals from my account to prove that I was willing and serious about paying this account. In XXXX I had changed my debt card number because of a fraud transaction on my card. Synchrony Bank called because the XXXX payment did not go through. 
I explained what happened, but before giving them my new card information I noticed the balance on the account was back up again by nearly {$400.00} dollars. 
I asked why, and the Rep. explained that the payments I was making were only to bring the account to current, however because it wasnt at full standard interest accumulated. 
Which I couldnt understand then or now, since I was making the amount given to me by them. If a larger or additional payment needed to be made then that should of been explained back in XXXX when I made the arrangement or at least be told, interest will still accumulate because the account was not up to date. 
I was under the impression that because they gave me a set amount and date that ad to be paid, that bringing the account current and to good standards was already being taken into consideration. 
Now the account is Closed, its STILL graining interest, I have called serval times to try and get that additional interest taken off so that I can clear the account, but the many different Reps. I have spoken to have all said there is nothing they can do. 
Now today, yet again I have tried to settled with them, and the Rep. today said, even if I do pay there is NO guarantee that it will show on my credit that I paid, but instead will reflect has a Write Off because the account is too old. 
I feel like this company is definitely trying to get over, this credit line was originally for {$1000.00} its early up to {$1600.00} even after I paid more than {$400.00}. 
This is very negatively effecting my credit that I am so hard trying to fix. 
Is there anything you can do to help?

Company Name is Synchrony Bank/ Care Credit