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

I was late on my Sychrony Amazon card and they abruptly closed the account which if was in their t & c was my fault. However, I've recently since XXXX XXXX  have been making payments and they keep reporting my payment late on my credit report which is not true. I even made more than the minimum payment this month. The company is impossible to get a hold of and uses an AI chat bot on their site. I want my credit report to be updated correctly and the company to stop falsely reporting late payments. I believe this is a bullying tactic used by Synchrony to force me to pay the amount in full.
Product: Mortgage

For the past couple of weeks I have not been able to logoin to sls.net to see my mortgage. Specialized Loan Servicing customer service is not equipped to assist. They make you hold forever and have no answers. I get the below error message from XXXX browser as I attempt to login " Network error. Please try again later. '' I understand this could be a temporary issue but for weeks on end with no communication? 

Other browsers will not even connect to the login website such as XXXX XXXX and XXXX XXXX. Here is the error from XXXX/XXXX browser " Your connection is not secure The owner of www.sls.net has configured their website improperly. To protect your information from being stolen, XXXX has not connected to this website. 

Learn more Report errors like this to help XXXX identify and block malicious sites ''
Product: Credit card or prepaid card

I have got accepted for a Kay jewelry account on XX/XX/XXXX they sent me a email stated if I dont receive my membership information within 10 days to call well I did and the first customer service rep told me I had to wait until the XXXX I told her no someone used my card that I didnt receive it can she block my card and and do a fraud claim so she did so I called back on XX/XX/XXXX to see what is going on now they stated that I have to pay for the chargers {$250.00} that I did not do and these happen in XXXX somewhere i live in XXXX nj I dont drive or have a license and that I will get a late fees on all 3 of my credit report that seem so unfair that should be put on hold until they are done with the investigation I never heard of this in my life its a new account who in they right mind will spend the whole amount and the card was already activated and that shouldnt never happened period I should be allowed to activate my own card thats attached to my cellphone number that is listed if I knew this type of card does that I wouldnt never applied I have paid all my account in full never missed a payment now this card going to mess me all up and Im XXXX I wonder will they do this to a XXXX  person!!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$00.00}
Product: Debt collection

Has repeatedly called and harassed me. Always requesting personal information. Refuses to give any information regarding the " debt ''. Extremely rude and unprofessional.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX
Product: Credit card

I went on the XXXX XXXX credit card website after reviewing my bank account for the last two months. There was no payment made to this company. I reviewed my email account and I checked my mail to see if there were any statements from the past few months. There was nothing. In addition, I have not received any phone calls from " XXXX XXXX Credit Card '' advising to call them. I then review my credit bureau. To my dismay and shock, I was reported delinquent by this company. I have XXXX other XXXX XXXX XXXX. I have ones that send email statements and I have ones that send physical statements. I called XXXX XXXX last night as asked to speak to a manager. I was transferred to an escalations representative. He obviously was having a bad day or he just was n't interested in talking. He was very defensive in his tone and when I explained that I had n't received statements or calls, his response to me was that the statements are courtesy and are not needed to make the payment. For me, they are a reminder that the payment is due - as it is for most consumers. He said that I enrolled in the electronic statements and was advised again today I was since XXXX 2015. I have n't received them. I get confirmation emails when I make my payments, but not the actual statements. When I asked why I have n't received a phone call he said that it was n't necessary to call the customer when they are delinquent. I used to work as a collections rep, that is incorrect - especially if they are more than 2 moonths past due. I called and spoke to XXXX, another escalations rep even though I asked to speak to a supervisor, reviewed my information and advised everything is correct. She also stated that phone calls were placed. I asked for the phone number they would be calling from. I also advised that I have n't received calls or voicemails. I find it interesting that of all the accounts I have with XXXX Bank, this is the only XXXX I amhaving issues with.
Product: Mortgage

XXXX 's " unsafe and unsound foreclosure practices '' and use of forged and unauthorized assignment of mortgage is being perpetrated in state and federal courts in order to pursue a foreclosure and relief of stay. XXXX has and is continuing to use forged assignment of mortgage allegedly assigned from XXXX XXXX to XXXX in XX/XX/XXXX and XX/XX/XXXX. These assignments are signed by various known robo signers as vice presidents of XXXX and XXXX to proceed in a foreclosure and bankruptcy proceeding. XXXX claim it is the legal owner of the mortgage via transfer, assignment of mortgage on XXXX XXXX, XXXX in a foreclosure complaint. No evidence was presented into the court 's record as to the claim. XXXX is not the original lender, but a debt collector, attempting to collect on a XX/XX/XXXX defaulted debt. XXXX XXXX Mortgage XXXX is the original lender and filed for chapter XXXX bankruptcy on XXXX XXXX, XX/XX/XXXX. XXXX was granted a default judgment in XXXX XX/XX/XXXX, and a relief of stay in the debtor 's bankruptcy proceeding in XX/XX/XXXX, again without any any proof of legal standing. No valid proof of note or assignment transfer, a proof of claim was not filed or any legal valid documentation offered, but the state court default judgment. 
Upon noticing XXXX 's lawyer that there was not any valid recorded documents of the transfer, or an executed assignment in the recorder of deed on XXXX XXXX, XX/XX/XXXX, an executed assignment dated XXXX XXXX, XX/XX/XXXX was filed into the record and was recorded on XXXX XXXX, XXXX. The assignment was defective and is invalid for numerous reasons. On XXXX XXXX, XX/XX/XXXX, another assignment was executed and recorded on XXXX XXXX, XX/XX/XXXX. This assignment was not a valid assignment. However, the XXXX XXXX, XX/XX/XXXX assignment is being perpetrated into the state and federal court as a valid assignment from XXXX XXXX to XXXX Bank, who was in bankruptcy at the time of the alleged executed assignment. I have attached various documents, including a letter to XXXX in regard their deceptive acts, and other pertinent documents as proof of the issues involved. Thank you for your time in reviewing documents. I hope XXXX would resolve this serious matter.
Product: Checking or savings account

{$1500.00} illegally was removed by XXXX XXXX ( XXXX ) from my account in XX/XX/XXXX at around XXXX from my Wells Fargo checking account. I was at the bank before XXXX the same day to stop the pending transaction. The banker got my information and called their Fraud department immediately. The agent in the fraud department talked to me on phone and asked couple security questions to verify my identity and told me to not worry and they will get back to me in a week or so. I received a letter on XX/XX/XXXX from Wells Fargo Claims Assistance Center ( claim # XXXX ) that the transaction was authorized or a processing error did not occur!!! 
I went back to Wells Fargo Bank and asked for more detailed information on their finding as a proof to legality of the fund transfer. The bank manager XXXX XXXX ( XXXX ) told me that they don't get any information from their claim department and should file a police report!! He told us that they will request reexamining the case again and get back to us between 48-72 Hrs. No reply back yet! 
I believe the bank has been negligent in safe guarding their customers and didn't stop the PENDING transaction from taking place in time. I need your help to pursue for me to recover my loss.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.bitcoin.com. In this year of XXXX ( please see attached as evidences ), I wired transferred money of {$25000.00} from my personal bank XXXX XXXX XXXX to XXXX with the help of the scammer. I transferred my virtual money from bitcoin.com to XXXX to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX of 2023, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the XXXX was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The XXXX here in XXXX did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The www.bitcoin.com MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.bitcoin.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable for them to do a live investigation about this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 ) XXXX  - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion have been notified that I am a victim of Identity theft, that my PII was leaked by multiple data breaches. FTC Identity Theft report has been provided to XXXX, XXXX and TransUnion. All XXXX CRA 's have failed to conduct proper reinvestigations prior to assembling and providing inaccurate information on my reports regularly. All XXXX CRA 's are unlawfully reporting fraudulent accounts under " XXXX XXXX, '' '' XXXX, '' " XXXX, '' " XXXX XXXX XXXX, '' " XXXX XXXX  XXXX, '' with incomplete information and are failing at providing the substantial proof of these accounts. All XXXX CRA 's have caused me great harm in relying upon the information of Identity Thieves and other bad actors and are failing to protect me as the consumer yet they're capitalizing off the use of my XXXX XXXX XXXX. I revoke prior consent for XXXX, XXXX and TransUnion to use my PII data. ALL CONSUMER REPORTING AGENCIES must delete the fraudulent information and provide a copy for my approval until the credit report and score is full, complete, and accurate.
Product: Debt collection

IC Systems is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and reached out to them to get validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. This account should be deleted from my account now!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

This my complaint because it seems Citi lied in there response. I have attached 2 different documents from Citi banks named Document and document 2 for review as against what citi send to CFBP. Also I attached my XX/XX/2020 statements because citi is requesting I make the payment because they did not make any move to XXXX. I have also attached XXXX  statement on the payment because Citi have refused to accept payment from XXXX.
Product: Checking or savings account

I opened an account according to a promotional offer. The offer stated that after {$500.00} of direct deposit, the account was due {$200.00} bonus. I deposited {$1000.00} and had recurring direct deposit set up with my work. The bank then closed my account to avoid paying the bonus.
Product: Credit reporting or other personal consumer reports

On the XX/XX/year> between XXXX and XXXX I called transunion to report the fraud and unauthorized inquiries when I called I was told lies was rudely talk to and hung up on the agent on be XXXX XXXX being her surname lord on behalf of transunion trying to get the beneficiary me XXXX  to mail in my dispute which I stated I cant XXXX XXXX and my best way of communicating is over the phone she lied and deprived me of my consumer rights as her being a fiduciary and having a duty to help me she breach our contract and lied about her name and presenting me her identity as well I got into with a manager and she was already prepped to talk to me from my last call with XXXX but she said she would dispute them and gave me a confirmation case number which is XXXX Im want the inquiry cause I never open that inquiry nor thoses accounts. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX in a XXXX XXXX caused by an XXXXXXXX XXXX who made an illegal turn, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX for almost a year after the XXXX XXXX XXXX XXXX XXXX Im waiting for my XXXX  XXXX, XXXX still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc etc etc etc.. I was in no position to deal with bills & Im still not. 
I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a free credit report from Trans Union. I received my free credit report from the other 2 major credit reporting companies without issues. When I filled out the on line information which included entering my social security number and credit card information Trans Union said  my account showed an ERROR. I then called on line and got someone that could not speak good English. He/she ask for my social security number. I gave them the last 4 digts along with my name and address. They still could not find me in their system. I ask for a supervisor and was transferred. When I told the supervisor I was recording the call he relied he did not approve of the call being recorded. Why did he object to the call being recorded? They record my conversation? Why do I need to give my full social security number to someone who does not live in the United States and does not have a social security number? Now my FICO score has dropped 23 points since I made this request for a free report from Trans Union. Trans Union needs this brought out over social media?
Product: Credit card

I, XXXX XXXX, did not make a purchase nor receive any goods on this account and dispute this debt. I have called and tried to resolve this with XXXX and they expressed they gave me XXXX information for now 9 months and now 9 months later tell me when the debt is with a collection agency that they have a proof of delivery which is absolutely impossible as there was no delivery of any products or any purchase from myself and no one has access to my information at this time or ever. This was fraud and I reported it as such as soon as possible and tried on so many different dates and occasions to resolve this. I want this account closed and this off my credit.