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

My credit card acco unt ( PayPal through Synchrony Bank ) is se t up with automatic electronic payment. On  XX/XX/XXXX  an automatic payment of {$3300.00} was transmitted to Synchrony Bank as payment in full on the balance of ou r PayPal acc ount. In  XX/XX/XXXX , the transmission of the  XX/XX/XXXX  payment was documented on the credit card statement. It was also reflected on our Checking account statement. On  XX/XX/XXXX  another entry was made to our  PayPal   credit card statement reversing the {$3300.00} payment, however no such entry appeared on our checking account statement. In  XX/XX/XXXX  we called Synchrony Bank and tried to resolve the issue. They said that our bank took the payment back. We contacted our bank and they said no they did n't. We have made multiple phone calls to Synchrony Bank asking where the money is and have not been able to resolve the problem.  XX/XX/XXXX  I sent a letter with a spreadsheet showing that all the payments have bee n made.I d id receive a letter from Synchrony bank on  XX/XX/XXXX  saying that their records show that the payment to our account was applied twice, so I see another entry on the credit card statement showing the  XX/XX/XXXX  entry ( that was a debit of {$3300.00} originall ly ) h as now been changed to a credit of {$3300.00} and another entry on  XX/XX/XXXX  of {$3300.00}  ( de bit ) was also entered. Out of frustration, we have closed this PayPal account. By changing the debit of {$3300.00} on  XX/XX/XXXX  to a credit of {$3300.00 } ( a lso on  XX/XX/XXXX  ) a double entry has been made. They have netted my payment to  XXXX  with the  XX/XX/XXXX  entry. We do not owe this amount. They need to find where they have put the money. To make matters worse, we have been reported to a collection agency. I have added documents showing we paid the bill, that Synchrony Bank received the payment, and all my monthly statements showing no reversal of the money has been put back in our bank. I have also included the summary showing the bank changed the credit to a debit and then reversed it again  XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

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  CA XXXX In assurance with the fair credit act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15. U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 section : 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

I have reached out to all 3 credit bureau and send off letter about this matter on my credit I am not pleasure on how this is being handle. 
specifically 15 US code s1681 s-2 responsibilities of furnishers of information to the Consumer Report Agencies by certain creditor listed on my credit report. 

According to Section 1681s-2 ( b ) furnishers of information to consumer reporting agencies such as creditor in questions, have a legal duty to provide accurate and complete information, however after careful review I have identified multiple and inaccuracies in the report of the following. 

US Dept. of Education # 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

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX  XXXX XXXX XXXX XXXXXXXX XXXX- {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Product: Mortgage

Select Portfolio Servicing, Inc. ( SPS ) Sent another " Annual Escrow Analysis '' after having previously informed us that our new payment amount would be {$1900.00}. 
XXXX XXXX on the analysis indicates that our new payment amount would be {$2000.00}, however on the coupon for sending in an advance escrow payment it indicates that our payment amount will increase by {$6.00}. 
SPS has used figures under " current payment '' that represent our payment prior to the " Annual Escrow Analysis '' that was received dated XX/XX/XXXX. 
We question why SPS is allowed to send another " Annual Escrow Analysis '', in a matter of weeks, and given the above discrepancy we have little faith that SPS is handling the escrow account properly. 
In addition, the latest analysis was dated XX/XX/XXXX, to be effective XX/XX/XXXX. 
As normal, since the XXXX HAMP modification, we have paid the mortgage on the first business day of the month, hence the XXXX payment was made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer credit report I noticed the following issues : My current address has not been updated correctly, and all other addresses have been deleted. This misrepresentation of my address history is concerning and could indicate improper data handling by the reporting agency.

Unverified Late Payment : I believe there is a reported late payment that was incorrect. Despite my timely payments, the creditor or reporting agency has not provided proof of this late payment nor updated the record with accurate payment information. This incorrect entry is damaging my credit reputation. 

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

I wrote to XXXX, Experian and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have filed 3-4 previous complaints now against usbankreliacard. I have called numerous times, had no income for the holidays for all of my children nor any information pertaining to my case. Usbankreliacard issued a respond notice stating that they didnt credit me back from my XXXX claim because I didnt send in the paperwork that was supposed to be sent to me for my claim. Thats the whole entire issue at hand now. I never got any paperwork for my claim. Infact when I made the claim back in XXXX my card was never even cancelled and I was never even sent out a new one to be able to protect myself from any other potential charges that I have not made yet in the future. With that being said, that is exactly what happened. From XXXX until XXXX around the XXXX XXXX charges and XXXX charges were made on my exact debit card that I made the previous claim about. Simply because my information was clearly already comprised but usbankreliacard never cancelled my initial card, which then ended up costing me roughly over XXXX dollars to be taken out of my account that I never once authorized or even gained access to the website and app that was even used. I have sent in multiple documents of proof, as well as from cashapp themselves stating that I never had an account, as well as emails from them as well as XXXX. If my card had been cancelled back in XXXX and my new card sent out, then I would of never had my card compromised to even be able to take out any money let alone over XXXX dollars. It wasnt until XXXX when I called back again to say hey I never got any paperwork from late XXXX, I never got a new card, since mine should of automatically been cancelled but clearly never ever was or a new one issued and sent out to me, so my card was then cancelled. Which is after all of the charges had already went through. Automatically making it usbankreliacard fault for never cancelling my first card and sending me out a brand new XXXX from the XXXX call which then led to charges XXXX days later of a lot of money being taken out without my knowledge and without my permission. Had usbankreliacard done their job and cancelled that card in XXXX and sent me out my new one theres a very high chance that the future charges for my account would of never been able to be used. This has been going on for over 90 days now and I am still waiting for my money!! My lawyer sent over paperwork, I have sent over everything and every documentation to prove that it wasnt me, nor did I make those charges, any of them, nor did I have any knowledge or give anyone else permission to make them charges! I just want my money back!! I have children to take care of and a dog and a house and myself and my family and I cant do that and I havent been able to all because of usbankreliacard!! This has gone long for far too long!! I will have my lawyer send over additional paperwork if need be!! This is illegal in every way shape and form!!
Product: Checking or savings account

I am an employee of XXXX XXXX XXXX. On XX/XX/2019, I thought I was writing a company check drawn on XXXX XXXX XXXX XXXX, for the purposes of purchasing an XXXX computer. I was directed through email to deliver the check to a Chase Branch and deposit it to account # XXXX. 

On XX/XX/2019, it became quite clear that my email had been spoofed and during negotiations these instructions were inserted. I immediately called the XXXX XXXX, CA Police Department and filed case # XXXX. 

XXXX XXXX XXXX XXXX had me sign an affidavit and tried to find anyone in Chase fraud department who would investigate and return the funds. 

During the investigation both XXXX XXXX XXXX XXXX and and the PD stated the funds are still held by Chase.

I am holding copies of the spoofed email, invoice, deposit receipt, police report and insurance claim but can not find anyone at Chase who will investigate my claim and return the funds.

Chase finally gave me a claim # XXXX to which I have a received no follow up. 

Please can someone explain why the funds can not be returned if they are still held by Chase? 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report and noticed that there were inconsistent items. I drafted a letter outlining each item that I found to be inaccurate and requested that Experian disclose to me the documentation that they have on record regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent by certified mail and was notarized. The tracking number for that certified letter is XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Experian responded that the accounts were certified by the companies listed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. Experian failed to provide documentation.

Experian also did not update my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
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 168b permissible purposes of consumer reports. 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. 

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 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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX  XXXX, XXXX  XXXX  XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt collection notice from Afni Inc regarding an XXXX XXXX XXXX account for {$760.00}. I spoke with a representative and she said the account was opened in my name in XXXX, IN. I have never lived in Indiana nor do I know anyone there. Furthermore, I have never had an XXXX XXXX XXXX account.
Product: Mortgage

The Mortgage Servicer, i.e. Select Portfolio Servicing Inc. ( SPS ) took over my mortgage Account from XXXX XXXX back in XX/XX/XXXX. I contacted Select SPS by phone on XX/XX/XXXX around XXXX for two ( 2 ) concern. A guy picked up my call and we had aa bad conversation ( comin from him ). 

My Questions were 3 1st question was for the Year ended Statement ( XXXX ). I asked for IRS Form 1098 statement and he gave me YTD Interest & Real Estate I Paid all of XXXX. He gave me ebginning from XX/XX/XXXX. I needed for the whole year ( XXXX ). He rudley that I have to call the previous mortgage holder. I told him that that I tried with no success. I can file my XXXX Tax Return w/o those info. 
2, SPS charges $ 15/month for on line payment. This issue began in XX/XX/XXXX. I pay on line w/o help. That is a ripoff. SPS is dwelling on XXXX, XXXX and elderly people. SPS has a pattern to take advantage of these groups. I am surprised that the Government allows them to operate. 

3. Hostile and Rude customer Service Reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am emailing in regards to an erroneous account being reported on my XXXX  and XXXX consumer credit report. This company NCB Management is reporting this erroneous account on my report. I have attempted many numerous request by certified mail that NCB Management verify this account belongs to me by providing physical verification such as a signed contract and etc. Section 611 ( 5 ) ( A ) of the FCRA clearly states that this information should be promptly  deleted if it can not be verified.
Product: Credit card or prepaid card

This is a Wells Fargo account. I opened and used this account for home improvements. There are two charges : one in XX/XX/XXXX and the other in XX/XX/XXXX. The first charge is interest free with 24 equal payments. The required payment is $ XXXX. I made $ 100 monthly payments up until I made the second charge in XXXX. The required payment went up to {$200.00} ( XXXX + XXXX ). Once the second charge appeared on my bill, I made payments of $ XXXX. My intention was to pay off the first charge before the end of the 24 month period. However, Wells Fargo continues to deduct only the {$95.00} as payment from the {$500.00} I submit. This means that I will NOT payoff the first charge before the 24 month period. I have called and asked that the surplus payments be applied to the first charge and XXXX has flatly refused and they continue to apply the surplus to the second charge. The surplus payment is MY MONEY and since I am already meeting the required monthly payment, as such I should be allowed to designate that surplus of funds ( XXXX ) to whatever charge I want paid. What is so difficult about this? They should be happy I'm making my payments, including extra! Do they think someone paying their charges off early means they won't continue to make payments on the remaining charge balance?! 
My complaint is that since I am making the required minimum payment on both charges, any amount over that ( money I choose to use toward payments ) should go to the charge balance I prefer. Most other credit card companies allow this ( XXXX, XXXX, XXXX, XXXX XXXX ). Wells Fargo has a history of corrupt activity and this " policy '' seems very suspicious. I am literally held hostage tp paying on the first charge for 24 months when I want to pay it off!!! They won't even let me do that! Even if I were to send them today the balance of {$510.00} for the first charge they will apply it all to the second charge. This is not right!