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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wife and I purchased a sectional from Rooms to Go approximately 3 years ago. They had a promotion of no interest on a 5 year payment plan. Our payment was $ XXXX which we have always been paid on time to Synchrony. 
Synchrony decided to change certain policies regarding paper statements that we were not aware of. They claim it was written in our statement in XXXX but we never saw it. Since we knew our payments would always be {$57.00} a month we did not notice they were adding a paper statement fee of {$1.00} per month to our payment beginning in XXXX. Therefore our XXXX statement was {$58.00} instead of {$57.00}. 
When we realized in XXXX that we had a {$90.00} statement, my wife called regarding the extra fees. They explained that we did not pay the total amount in XXXX of {$58.00} and were being assessed a {$30.00} late fee for the unpaid balance of {$1.00}. 
My wife agreed to pay the 2 months paper fee for XXXX and XXXX ( {$3.00} ) but asked synchrony to forgive the late fees. It was her understanding that this was approved. She remembers asking the operator " So I just need to pay you {$4.00}? '' My wife also agreed to stop the paper statements and have them sent by email. She did not know that Synchrony would be sending the email statements to XXXX 's address so did not know that Synchrony was still adding late fees on to our payment. 
She continued paying {$57.00} each month but Synchrony is saying we now owe {$140.00}. ( {$88.00} in fees ). My wife and I talked with Synchrony today and they insist we must pay these penalty charges. We offered to pay off the entire balance of the sectional but are not willing to pay penalty charges. They refused to comply.

We feel that we have been wrongly charged of these fees for 2 reasons. We pay our bills online and have paid Synchrony {$57.00} a month for years. It is completely understandable that we would not know about the {$1.00} fee they randomly decided to add to our bill. Even though we felt this was unethical for a bank to just decide to add a fee to a customers bill, we agreed to pay the {$1.00} for 2 months and have our statements sent by email. 
The second reason is we are being charged late fees on previous late fees. This was supposedly cleared up by my wife 's initial phone call to Synchrony that the late fees would be removed if she paid the {$3.00} in added paper statement fees. {$4.00} was sent to Synchrony on XX/XX/year>. Therefore no extra money should be owed by us.
Product: Debt collection

My ex-wife still has the {$6000.00} diamond ring that I bought her on my ZALES credit care/Comenity Bank XXXX She says she doesn't have it anymore, but I can prove otherwise from recent photos of her wearing it. I've asked her several times to sell so I can pay back ZALES or Comenity Bank, however she refuses to do so. I have received calls and letters from Comenity Bank about paying back this debt. This is just a fraction of the {$200000.00} debt that my ex-wife put me in.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX failed to cease reporting inquiries on my credit report after I reserved my right of privacy. Every address being reported other than XXXX XXXX XXXX XXXX Florida XXXX are non mailable addresses and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make contact with XXXX XXXX XXXX  to update and resolve the reporting that was being done on my credit report. I discussed over the phone with several agents both XXXX of XXXX and in XXXX of XXXX. The resolutions that were provided to me on the initial phone call in XXXX was never met nor followed through by XXXX XXXX. The company has falsely reported incorrect balances of my account to credit bureaus. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX 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.

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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at TD Auto FIN on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXX FIN on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to
Product: Checking or savings account

I am using an app called XXXX to buy online lottery tickets in my state. When I try to connect my bank with the application to have the payouts from my winnings transferred into my bank account I get an error message that states that my bank made a change to their system and is not allowing the connection. XXXX advised me that they are working with my bank to resolve this issue but they also advised me to file a complaint with you, so that I can get access to my account and have it connected with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my family
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments be updated to on time as they should be, as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$210.00} has violated my rights. 

15 U.S. Code 1681 states : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Mortgage

I had fallen behind in mortgage payments with PNC Mortgage. After several attempts to retain the property, I was told by PNC that I had exhausted all of my options for retaining the property and that I could not be considered for any further assistance. As a result, I decided to sell the property via short sale and enlisted the services of a realtor experienced in managing short sales. The house was listed on XX/XX/2016 and I received an offer on the property shortly thereafter. The short sale offer and supporting documents were presented to PNC on XX/XX/2016. On XX/XX/2016, PNC contradicted what was previously stated and said they would now offer a loan modification before they would consider reviewing for a short sale. In doing so, PNC extended a trial payment plan to me. On XX/XX/2016, I notified PNC in writing that I would be declining the trial payment plan/loan modification because the loan terms were still the same and I was unable to afford the payments. I also informed PNC that I wanted to proceed with the short sale package that was presented to them for approval prior to the trial payment plan offer. I also reminded PNC that I had a contract on the property. On XX/XX/2016, PNC indicated that the file could not be reviewed for short sale until after XX/XX/2016 - the date by which the signed agreement or the first payment was due for the trial payment plan. On XXXX/XXXX/16, PNC stated that the file would not be closed out before XX/XX/2016. This was contradictory to what was stated on XX/XX/2016. I was also informed that I would need to re-submit the short sale package and that a foreclosure sale date was set for XX/XX/2016. On XX/XX/2016, PNC still had my case for the trial payment plan open although I had previously declined it in writing ( more than 30 days prior ) so that I could proceed with the sale of the property. On XX/XX/2016, the file had not yet been closed out by PNC. On XX/XX/2016, I was notified that the file had been closed out and the short sale package was resubmitted on XX/XX/2016. On XX/XX/2016, I was notified that my entire file was closed and that PNC would NOT review for the short sale because the time frame was too short. PNC proceeded with foreclosure on my property and on XX/XX/2016 the property was sold. 

I am initiating this complaint because I believe PNC forced me into foreclosure. There were other options. PNC had ample time ( approximately 3 months ) to consider the short sale of the property rather than moving forward with foreclosure. Although PNC, presented a trial payment play for retention, the payments were not affordable and the terms of the loan had not changed. I believe PNC acted in a predatory manner by impeding the short sale process and refusing to review an offer to sell the property. The short sale offer that was made was equivalent to the appraised value XXXX $ XXXX XXXX that was determined on XX/XX/2016 by an appraisal company hired by PNC Mortgage. Although PNC Mortgage has already foreclosed on my property, I believe this story should be shared to inform others of PNC 's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct XXXX .... 

Not reporting at all. Correct balance is {$12000.00} Showing no status and not reporting for last 2 months
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry that appears on my credit report, which I did no authorize. I recently reviewed my credit report and discovered that an inquiry from XXXX XXXX on XX/XX/year> was made without my consent. As I am a victim of identity theft, I request the immediate removal of this unauthorized inquiry from my credit file.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person on Zelle and they said they couldnt do anything because the money was already out my account in 2019 I was trying to send XXXX $ to my mom and someone that previously had my moms number had an account sent up with that number and once we realized that she didnt get it I called and they said they couldnt do anything about it because its already out of my account and I had to send another XXXX $ to my mom because it was for her rent I dont have access to that bank account anymore I ended up getting hacked a few months after that so the account got closed I was with XXXX XXXX  then
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

This company is attempting to collect a debt that has been sold off and XXXX balance.
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 contacted Equifax, XXXX and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX : Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( mentally XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with disabilities act, violating reasonable accommodations for those whom are mentally XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX XXXX dollars between my two companies. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance in investigating accounts with inaccurate late payment reports. When I was XXXX XXXX, I requested forgiveness, which they approved, yet they continue to report the payments as late. Despite my efforts to follow up, Ive received no updates, leaving this as my last resort.