23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXXXXXX, yet XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXXXXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3100.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find attached a credit declination letter from XXXX XXXX dated XX/XX/2022. The letter advises that an Equifax Credit Report was utilized in the decision. I am submitting this request within 60 days of the letter. Please forward a paper copy of my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was set up for automatic payments, it shows that I missed a payment. I contacted the company and they said it was a mistake on their end. ( Indigo Mastercard )
Product: Credit card

I am reaching out to seek urgent assistance regarding what I feel is an unfair and financially devastating situation involving Synchrony Bank. This matter, if not addressed, will have a serious impact on my familys financial well-being. 

In XXXX, I had a balance of {$7700.00} left for a XXXX XXXX purchase of appliances from XXXX XXXX {$14000.00}, and I continued making my monthly payments as scheduled. I planned to pay off the total balance, expecting it would now be around {$6000.00}. To my shock, when I went to pay it off, my balance had more than doubled to {$13000.00}. Unbeknownst to me, three different interest-free promotions on the purchases had expired, adding {$7400.00} in interest to my balance. 

Back in XX/XX/XXXX, when setting up my auto-payments, I spoke to a Synchrony representative to clarify the promotion terms, as my three appliance purchases were delivered at different times. I was under the impression that they understood my goal was to pay off the purchases in full by the end of the promotional period. I trusted that the auto-payments were set up accordingly. 

Despite my efforts to explain this honest misunderstanding, Synchrony has refused to provide any assistance, saying that the information was in the statements. While I admit I missed those notifications amidst a flood of emails from Synchrony 6-8 a month, I have always maintained my accounts with Synchrony, dating back to XXXX, and have never had a late payment, ever. 

Given my perfect history with Synchrony, I believe the added {$7400.00} interest fee is an excessive penalty for a minor oversight of missing the promotional deadlines by just three months. I am prepared to pay the balance in full immediately and am simply requesting the removal of the added interest, as this fee is exorbitant and could significantly harm my familys finances.
Product: Mortgage

XXXX   XXXX , whom we do not and never have held a mortgage with, erroneously paid our  XXXX   XXXX  County property taxes and is seeking reimbursement. I confirmed  XXXX   XXXX  made the payments with the  XXXX   County Treasurer 's    Office.  On  XXXX / XXXX / XXXX , a  XXXX   XXXX  Claims Processing Representative explained our tax ID # is similar to one of  XXXX   XXXX  's customers ( differs by a digit ), thus,  XXXX   XXXX  paid our property taxes in error. Based on internet research,  XXXX   XXXX  has made many errors in regards to property tax payments.     Initially, our mortgag e (  a FHA loan ) was with  XXXX   XXXX   XXXX . The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically,  XXXX   XXXX   XXXX  made our property taxes to  XXXX  County without issue. However, when  XXXX   XXXX   XXXX  made our  XXXX  property taxes, the payments were returned as they had been paid by  XXXX   XXXX .   XXXX    XXXX   XXXX  failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the form of checks.     When we received the refunds checks, we contacted  XXXX   XXXX   XXXX  for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned.  XXXX   XXXX   XXXX  sold our mortgage to Carrington Mortgage Services,  LLC  in  XXXX  of  XXXX . Our mortgage went to Carrington Mortgage Services, LLC 's books with an escrow balance. Carrington Mortgage Services, LLC issued us an escrow refund check, however, no explanation have been obtained from them.     On multiple occasions, we 've contacted  XXXX   XXXX   XXXX  and Carrington Mortgage Services, LLC to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Clients Need to Dispute : Experian : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Open : XXXX XXXX, XXXX Balance : {$0.00} - XXXX XXXXXXXX : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX Date Open XXXX XXXX XXXX, XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Open : XXXX XXXX, XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} -Collection
Product: Debt collection

PINNACLE LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX ( ORIGINAL CREDITOR-XXXX PART XX/XX/XXXX BALANCE {$280.00} I DID NOT HAVE XXXX XX/XX/XXXX, I DID HAD XXXX XXXX XX/XX/XXXX FOR 7 DAYS, I PORTED MY NUMBER TO TMOBILE.I CALLED XXXX XXXX 11 TIMES FROM XX/XX/XXXX TO XX/XX/XXXX FINALLY A XXXX REP CALLED ME, THE REP TELLS ME I OWE {$280.00} FROM ACCOUNT FROM XX/XX/XXXX, I ASK THE REP WHY DOES IT SAY XXXX, THE REP TELLS ME XXXX DID NOT PUT IT ON MY CREDIT REPORT-THE REP TELLS ME PINNACLE LLC C/O RESURGENT PUT IT ON MY CREDIT REPORT, I CALLED PINNACLE LLC XXXX RESURGENT XX/XX/XXXX A REP TELLS ME XXXX PUT THIS ON MY CREDIT.I HAVE DISPUTED THIS ACCOUNT WITH XXXX, XXXX AND XXXX ( XXXX FILE XXXX ( XX/XX/XXXX.XXXX XXXX..
Product: Credit reporting

I did not authorize a web site to perform multiple credit inquiries with several companies for an auto loan. I completed their application online but when I got to the part to authorize them to perform the service, I ended my application. They then went ahead and did a credit inquiry with several companies, including XXXX, XXXX, XXXX, XXXX. 

Experian refuses to remove these excessive inquiries.
Product: Vehicle loan or lease

I enclosed the documents in a FULLY PRE-PAID envelope provided but the UNITED STATES POSTAL SERVICE addressed to : XXXX of ( Company ) & ( XXXX XXXX Agents ) CONSUMER NOTICE OF RESCISSION OF AGREEMENT AFFIDAVIT OF TRUTH NOTICE TO CEASE AND DESIST ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT LIST OF EXHIBITS TILA CODES AND VIOLATIONS
Product: Debt collection

I had an account with XXXX. They sold the account to other lenders and add it back on my credit as if it was just new. The account is over three years old. They are also doing soft inquiries on my credit without my permission. They are using portfolio recovery and the dates are not correct. I've contacted the credit bureau and disputed them. All of the things that supposed to be on my credit isn't. People are adding things to my credit without sending me notice or anything. Here are the dates for the soft inquiry for portfolio recovery. Inquired on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not requested for anything such as a credit card or anything other than a car-loan on XXXX. I've contacted the dealership and asked them to stop making the inquiries after I didn't get approved. I had to have a co-signer which was my mother that has perfect credit and was promised. I don't have a lot on my credit which is great but the soft inquiries are hurting my score and I didn't request them. I currently have a freeze and fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$57.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} COLLECTIONS XXXX {$120.00} XXXX/XXXX   XXXX {$190.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$6000.00}
Product: Student loan

This is a complaint against FedLoan Servicing for wrongfully denying my application under the Limited Public Student Loan Forgiveness Waiver. Ive summarized the relevant details in the attached letter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Barclays Bank Delaware opened balance of {$1100.00} card was opened on XX/XX/2023 I need this taken off my credit report I have been working on my credit for years was up to XXXX and has dropped to XXXX points Ive been trying to finance a house and with this happening I can not get approved. I have called the bank the card is through and reported it as fraud they are not getting back with me and taking care of this matter as soon as possible.
Product: Checking or savings account

I referred XXXX XXXX business account to Regions from my business referral account, and she recently received her {$150.00} incentive as part of the Regions referral program. I never received mine ( while I was the one who referred her business from mine ), and over the last few months, Ive contacted Regions technical support multiple times since the account wouldnt even let me log in to the referral portal. The error message has reflected either Login Failed or Connection Unsuccessful. Login failed. In XX/XX/XXXX, I was given the ticket number XXXX. Ive spoken to at least 10 representatives about this issue, have spent hours on the phone, and I even went in branch and followed up with emails to XXXX XXXX and XXXX XXXX ( XXXX branch ) neither of whom replied to a single email I sent. Everyone insists the issue will be resolved and then absolutely nothing happens. I also never got the incentive for person who referred my business account ( and neither did they ). 
Talked to XXXX on XX/XX/XXXX ( dialed XXXX ), and shes submitting a request to the marketing team to look into why I didnt receive the one for XXXX. She couldnt explain why XXXX wouldve gotten mailed out while mine didnt, and said she could see where all requirements were met. She also said the marketing ticket number can not be provided. XXXX said she would contact me by email. I obviously have no trust or faith that this will happen given Ive been transferred to many departments and have spoken to so many reps all of whom have not provided any resolutions over the last few months. Its extremely disappointing that shes saying a technicality prevents the incentive for XXXX referral of my business when there were technical issues setting up the account due to them combining personal and business accounts with the same login. They even made me update my login credentials after opening the account.
Product: Checking or savings account

I XXXX XXXX have been made aware of CFR violations committed by Bank of America in XXXX XXXX California. I notified the Financial advisor to the the bank about billing errors that were brought to my attention. He has made no effort to resolve my concerns.
Product: Debt collection

XXXX called XX/XX/19at XXXX XXXX. began questioning me about why I got behind on payments on a dept to XXXX XXXX XXXX.   She never asked any verification questions to find out if I was the correct person. My number has been on the do not call list for over 10 years. How can this company be allowed to fish the internet for a phone number for another person with my same first and last name, and call the number if it is no the donotcall list? What is the purpose of the donotcall list if it doesn't prevent debt collectors from hassling me because I have the same name as someone else? XXXX help those named XXXX XXXX. Please find a way to stop these companies from calling my number just because they can find it online and I have the same name as a debtor. Company is Atlantic Credit and Finance, XXXX XXXX XXXX XXXX  VA XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2012, OFX, a company with address at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX, transferred {$22000.00} from my bank account to transfer the money overseas based on my request. 

After they took the money from my account, OFX inform me that they can not perform the money transfer due to some undisclosed compliance reason. When I request OFX to sent the money back to my bank, they again tell me that they can not do that due to some undisclosed compliance reason. OFX said I have to get my bank, XXXX XXXX XXXX to request the money be send back. I spent a month going to my bank branch and calling various department in XXXX only to be told that XXXX can not help me with this transaction. It is now over a month and I have no way to get my money back from OFX. I don't know if this is a scam that OFX run to keep my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Supplied XXXX, and Equifax credit bureaus with the Faxed, PAID IN FULL letter from XXXX   XXXX XXXX, I also spoke with reps from XXXX XXXX many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.
Product: Credit reporting or other personal consumer reports

This is a company seeking money from me we never agreed in no such contract there are sharing my personal information on different platforms without my consent. Told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the uniform commercial code you must be the holder and due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument I will gladly pay the ( x amount ) Also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows whos the recipient of said funds are and whos the issuer of said funds are. To my knowledge I am the issuer of said funds. If this company can not provide this information its identity theft and must be move off my credit report immediately and the cost of the violation XXXX dollars per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, all of these companies are recommended to provide documentation or immediately remove for my report
Product: Credit card or prepaid card

After reporting a fraud charge on the account the company told me to continue making payments while it is being investigated. Once he investigation was finalized they determined it was fraud and I was told they will be sending me a refund check. This was in XXXX. I havent still received a check. Every time I call they say it will be arriving in 3-5 days. The last time I called they were not able to see my info due to system being updated. I already reported them to XXXX  but nothing happened so far. 
They are holding money that is not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law, any authorization or approval of credit must be obtained directly or indirectly from the issuer of a credit card or similar device. The term " Exclusions '' refers to the process of excluding or being excluded, leaving out any unauthorized credit activity. 

Under the law, the definition of a credit card is broad and encompasses various types of cards or credit devices, including cards, plates, coupon books, or any other device used to obtain money, property, labor, or services on credit. It is important to note that Congress explicitly states " ANY card '' in the definition. 

In my particular situation, the credit card in question is my social security card. This card is utilized to initiate every consumer credit transaction, serving as the primary identification for credit purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXX XXXX XXXX   XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX**, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX   XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX****, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX****, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.
Product: Consumer Loan

XXXX payments that were made towards my Mercedes lease were applied to mileage overages on a previous lease instead of the current lease. I have contacted Mercedes Financial Services on several occasions and have been unable to get the problem corrected.
Product: Student loan

I have XXXX student loans through Navient, XXXX with co-signers and XXXX without. Due to medical /financial issues, I have fallen behind on making payments on the XXXX loans without co-signers. Navient has resorted to contacting my co-signers, in an attempt to get into contact with me, about the XXXX past due loans. This is an abuse of the information they have at their disposal and I want it to stop. Navient should only be contacting me directly and, if available, I will take their call or respond to their emails.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for 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
Product: Credit reporting or other personal consumer reports

XXXX ( Bank  ) XX/XX/year> inquiry on my account I did not approve.
Product: Debt collection

Northstar Location Services continues to call despite the have the wrong person. I 've told them they have the wrong person ( same name, different DOB ). They ca n't find the phone number they are using to contact me. I 've told them this twice and I continue to receive daily or multiple calls a day. This is harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing a serious issue with Experian 's reporting on my credit file. Specifically, XXXX has reported accounts that are fraudulent and do not belong to me. Despite my efforts to dispute these inaccuracies directly with Experian, the fraudulent accounts remain on my report, negatively affecting my credit score and financial well-being. I kindly ask for your intervention to investigate this matter and ensure that these erroneous entries are promptly removed from my credit report. Your support in resolving this issue would be greatly appreciated.