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

Equifax seem to be refusing to remove the XXXX XXXX  accounts I already had dispute for removal. XXXX XXXX  sent me a response saying they will submit a request for removal from all three credit bureaus. Equifax has refused to do so and only updated the info as a existing debt. This continues to damage my credit file after I made complaints to have the accounts remove.
Product: Credit reporting or other personal consumer reports

Tonight, I noticed unfamiliar inquiries on my credit report, and I have no idea why they're there. I checked my report as usual, but this time there were discrepancies that appeared out of nowhere. I tried refreshing the page, thinking it might be a technical issue, but the unauthorized inquiries persisted. Im deeply concerned and ask that you carefully review the documents Ive submitted to ensure this problem is resolved for good.
Product: Credit card or prepaid card

What is this complaint about? 
My Synchrony credit card ( pep boys ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. Synchrony credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with Synchrony bank since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of synchrony bank closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by Synchrony bank : Synchrony bank closed my account on XX/XX/XXXX after checking my credit score. 
According to Synchrony bank they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
Synchrony banks fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
Synchrony bank pulled my credit score from XXXX XXXX Credit Bureau on XX/XX/XXXX which XXXX XXXX gave an inaccurate score of XXXX. 

What company is this complaint about? 
Synchrony Bank ( pep boy credit card ) Who are the people involved? 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

They are escrowing an incorrect amount XXXX $ more than they should a month. I have reached out to them 3 times. Sent documents twice. With no response. I have everything documented.
Product: Mortgage

This summer I refinanced my mortgage with XXXX XXXX XXXX. They sold my mortgage and the new servicing company is BSI Financial. On XX/XX/XXXX I got a notice my city treasurer notifying me that my property taxes hadn't been paid on time ( XX/XX/XXXX ) and that a 1 % penalty had been applied. If I still hadn't paid them by XX/XX/XXXX then another 8 % penalty would apply. I tried to contact BSI via phone to see why they had not paid my taxes from the funded escrow account for that purpose but was not able to reach anyone. I then tried sending an email to their customer service trying to find out why they hadn't paid the taxes. With no response I paid the taxes from my own account instead of the escrow account to avoid the large penalty that would apply. It has been a few days now and I still haven't been able to contact anyone at BSI to understand why this even occurred or how to prevent this from occurring again.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Per escrow analysis from mortgage company XXXX XXXX, making an additional payment of {$2800.00} would put my monthly payment at {$2000.00}, and in XX/XX/XXXX I mailed check # XXXX to XXXX XXXX and wrote " escrow shortage '' on it. Therefore my monthly payment changed the following month ( XXXX ). Up to now I have no idea what happened to the additional escrow payment as XXXX XXXX continues bill me as if the escrow shortage was not paid for. I have made numerous calls to no avail. I have spoken to Ms XXXX on XX/XX/XXXX, to XXXX XXXX on XXXX, to XXXX  on XXXX and everyone confirms having received the escrow payment, and said the matter would be resolved once they send a note to the Escrow department, but it remains unresolved seven months later.

2 ) For the past 10 years, my monthly payments have always been timely. However, on my credit report ( XX/XX/XXXX ) my mortgage payments have been late 30-59 days as reported by XXXX XXXX for which my Equifax credit score has taken a plunge from XXXX to XXXX. This needs to be resolved at once. Calling XXXX XXXX has been nothing but a waste of time, and energy. It's very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, equifax and XXXX have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character. 

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 an 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. 

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 Bill.com shut down my account due to " verification issues '' I have sent them pictures of my passport, drivers license, checking account ect. They chose to do this the day before a XXXX deposit was scheduled to be deposited into my account from a customer. They are advising me that my account is " closed and canceled '' and that I will not get my XXXX payment.
Product: Consumer Loan

I received a car loan  through Santander Consumer i n the year of   XXXX   XXXX   and I had Financial hardship due to a pending divorce is  XXXX  issues have got my car repossessed in  one day a nd but then receive car back the same day. I recently went on my credit report because I was looking to purchase another vehicle through a different company and noticed a Santander Consumer had placed and repossession on my record I was not informed that the car was going to be listed as a repossession. When I got my car back from  Santander period now three years later I have at Santander Consumer if they c ould unlist the car as a repossession on my credit report and they have declined to help me. Being that the car is still listed as a repossession on my credit report I am unable to obtain another vehicle in my name because of  Santander Consumer. Santander Consumer have no regards to people with financial hardships and do not care about their customer at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Payday loan, title loan, or personal loan

Kept getting a call from XXXX 's XXXX plus, telling me i was approved for {$2000.00}., I hadn't applied for any credit. They tell me someone had did online American First Finance. XXXX
Product: Student loan

I obtained the student loans with AES back in XXXX and started repaying them in XXXX. Since then I have been making payments monthly, and when I look on my statement it states that I have paid back almost double the amount that I originally owed, but in addition to that, I still owe almost another two times that amount left to pay. No matter how much I pay, it never affects the principal but it also seems to keep making the interest go higher and higher.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  days before the payment due date. XXXXXXXX XXXX XXXX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 reporting, credit repair services, or other personal consumer reports

Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX Inquiry-XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I paid off my balance in full in XXXX, in XXXX they took a {$600.00} automatic payment even though the balance was XXXX. I just received a bill that says I owe {$6000.00} they say it was transferred to my checking account but they cant give me a date or a transaction number. They are insisting I make a payment to avoid late fees and a hit to my credit score
Product: Debt collection

On XXXX/XXXX/2015, we moved out of XXXX XXXX due to issues that are not a part of this complaint. XXXX XXXX was appropriately notified and we were told that we will receive a statement with a payment due if any repairs are needed. We never received one. We do have mail forwarding service and all other mail came. 
By XXXX/XXXX/2015, we were already moved into our new house, but we did not receive a statement, or a bill. 
At that point I called, and found out that there is a bill and that we owe XXXX {$280.00} for carpet repair. I was surprised, but I asked for the bill. XXXX told me she will send it ( they already had new address on file since it was provided a month before a move out ). Two weeks passed, but we still had not bill, or statement. 
Eventually, just to get this over with, I stopped at the office to pay it off on XXXX/XXXX/2015 and handed XXXX a cashier 's check for {$280.00} payable to Residences At XXXX XXXX. She assured me this is the last time we will see each other. 
To my surprise, on XXXX/XXXX/2015, I received a notice from a debt collector for {$280.00} I owe to Residences. 

To sum up, I was reported to collection agency after the debt was paid in full to manager on staff that day. Also, I received no resolution from them at this time. Mine, and my fiance 's credit is likely to be affected. 

At this point, it has to be either ill-will, or gross incompetence. It is difficult for me to understand it as I gave all parties ample time and opportunity to settle all issues.
Product: Money transfer, virtual currency, or money service

Dear All, on XX/XX/XXXX I made a money transfer ( XXXXEuro ) using WISE app from my XXXX XXXX Account ( XXXX XXXX  ) to my US Bank Account ( XXXX XXXX  ). 
The transfer was an exact repetition of a previous money transfer made on XX/XX/XXXX, using same bank information. 
The money were debited from my XXXX XXXX  but never transferred to XXXX XXXX. 
I immediately started a communication with WISE to understand what happened but the only explanation I got refer to XXXX  and XXXX  XXXX  tools used to transfer the amount, so something that should be dealt from WISE and myself. 
In the meantime I activated the process with XXXX XXXX  in order to collect back the money but is not a 100 % sure procedure. 
Do you have any suggestion to get back the money? 
Thanks
Product: Student loan

I graduated in 2003, and immediately started repaying my Student Loans. I was paying ACS monthly in the amount of {$280.00} for over a 10 year period. At the end of the 10 year period I attempt to get a Public Service Loan Forgiveness and was denied, although I never missed a payment nor was I ever late on a payment. I was informed at sign up that I was enrolled in the Loan Forgiveness program. I have since had my loan serviced by 2 other companies, currently with XXXX XXXX. I have been trying to investigation where my funds of over {$34000.00} were allocated, as my student loans balance is still {$35000.00} only a few XXXX less than what it was before I started repaying in XXXX. 
I need help with Contacting ACS or Conduent  to track my payments. I am still being denied for Public Service Loan Forgiveness and I have been on the job now for 23 years. 

Please assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using XXXX  premier plan product for years with not issues. Beginning in XX/XX/2019 although I am being charged XXXX for the service I have been unable to pull credit. I have called or emailed XXXX  over 15 times. No resolution no ability to pull my credit. Every time I call XXXX I am put on hold for and promised resolution from people all over the glove with not resolution. The reps are not documenting the files so each time is as if I am calling for the first time. 

I am a risk director of a bank for the past 10 years at XXXX XXXX XXXX of florida and the 13 years before at XXXX XXXX ... As of today I can't still pull my credit and am being billed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX  XXXX ( Account # ) : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX  XXXX XXXX account XXXX XXXX XXXX, XXXX XXXX  account XXXX XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit reporting or other personal consumer reports

recently i checked my experian credit profile and noticed Experian has merged my profile with someone else 's with a similar first and last name. I've requested Experian to remove that name from my profile, but they refuse, i requested to have XXXX name, XXXX address and XXXX date of birth on my profile but i was told by experian customer service it cant be done. I have been a victim of identity theft and do not want a similar name or variations on my credit profile. my social security, my birth certificate and my state issued id only has my born birth name.