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

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and Transunion removed the said account on their records. I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, a Cashiers Check was sent to Synchrony Bank to pay my existing balance of {$1300.00}. On XX/XX/2019 I called the company to inquire why the payment had not posted. They said the check must have been lost in the mail. On XX/XX/2019, the bank put a stop on the first check and created a new Cashiers Check and sent it XXXX which was received on XX/XX/2019 by Synchrony Bank. On XX/XX/2019, both checks were deposited but I was only given credit for one. When the " stop payment '' check was returned, they reversed my payment. I have called them multiple times in an attempt to correct the issue. My bank wrote a letter and included copies of both checks and the status of each. To date, Synchrony Bank still shows me owing a balance of {$1300.00}. The people at customer service see the issue and agree with me but the payment processing group WILL NOT fix the problem. They will not give me credit for the check which did clear the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion continues to show XXXX XXXX XXXX XXXX XXXX as open account when it is closed. It should show closed by consumer, XXXX balance but it continues to show open. 
I have reported this XXXX XXXX  so far and it continues to be sent to me wrong, I have attached. 
It is frightening to know this company exists and keeps putting out wrong information. 
should be closed.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Last year when I was booking a flight with XXXX XXXX, a promotion stopped me and asked me to apply for a credit card. It promised XXXX bonus miles plus {$200.00} statement credit. Later I got the XXXX bonus miles. However, I have never received the promised {$200.00} statement credit. I have called and written letters to them. To my dismay, there was no help. Their response was so brief and very confusing. They never told me when they would give me the {$200.00} statement. I am very disappointed about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On Thursday XX/XX/2020 we me and my freind XXXX XXXX bought two vanilla gift card XXXX each we exchanged cash for them. We went to XXXX I. XXXX wi they purchased was declined we called vanilla and they started tickets on both cards we bought. Vanilla said these were invalid cards.weve also contacted XXXX  in XXXX wi to see bout getting cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX N.A. ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : WFS ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I had fraudulent information that was disputed on  my Amex Serve card and they refused to refund me back my money last year along with refusing me to  continue being an American Express Serve card member which is a prepaid debit card which is ridiculous considering I was a victim of identity theft
Product: Mortgage

Mortgage Details : In XX/XX/2006, My late husband XXXX XXXX entered into a mortgage agreement with XXXX XXXX XXXX XXXX on our propertry located at XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This mortgage included a 2nd mortgage, which was subsequently sold or transferred to Specialized Loan Servicing in the last couple of years. 

Disappearance : For over 10 years, there was no communication or correspondence from any lender. During this period, no statements, invoices, or any form of communication regarding the 2nd mortgage were received. 

Recent Activity : In the past couple of years, Specialized Loan Servicing ( XXXX # XXXX ) suddenly resurfaced, attempting to foreclose on my property. They sent a Notice of Default ( NOD ) and demanded full payment, including interest for the period in which no statements or communication were provided. 

Violation of Law : The demand for full payment, including interest for the period when no statements were sent, is in direct violation of applicable laws and regulations, This is typical of Zombie Loan debtg buyers infringing on Home owners rights. 

Complaint : Unlawful Foreclosure Proceedings : Specialized Loan Servicing 's attempt to foreclose on my property based on a zombie 2nd mortgage that resurfaced after a decade of silence is highly irregular and unjust. The lack of communication and any indication of the existence of the mortgage during this extended period makes their sudden foreclosure attempt unjust and unwarranted. 

Charging Full Interest : The demand for full payment, including interest for the period in which no statements or communication were provided, is a clear violation of consumer protection laws. It is illegal to charge interest on an obligation when the borrower has not been provided with regular statements or communication regarding the debt. When I requestred a copy of the Mortgage note from them to confirm they even own my loan I was sent a copy of my first mortgage note which is highly unusal.
Product: Credit reporting or other personal consumer reports

After placing forth a dispute with Experian, I have waited for a response to the dispute which list the fraudulent credit accounts and to no avail. As a victim of Identity theft Experian is bound by the Fair Credit Reporting act to review and assist me in holding information furnishers accountable for not procedurally guarding my information and allowing thieves to benefit off of accounts I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2021 my credit cards usage went up {$160.00} on XXXX of my credit cards and {$25.00} on another. transunion dropped my score XXXX points. on XXXX the balance on those cards decreased {$330.00} and {$170.00} but my credit score only increased by XXXX points. with no other changes. in my opinion this is a predatory action by transunion. it absolutely makes no sense why my score did not double or even increase by XXXX points if my balances decreased by more than double. after a long conversation with transunion they could not explain why my score did not go up more. they literally could not explain it. can you please advise what a consumer should do in this case.
Product: Bank account or service

Dear Sir/Madam, After reviewing this document XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
Product: Student loan

I have 11 student loans through federal student aid. I am in an income driven repayment plan and pay my loans in full every month. Federal Student Aid ( " FSA '' ) shows that one of my loans ( " Direct Grad Plus Loan '' ) is delinquent for XX/XX/XXXX through XX/XX/XXXX because of a " late/missed payment. '' I called my loan servicer ( Mohela ), and they confirmed that I paid my full monthly amount between XXXX XXXX XXXX  ( see monthly billing statements ) and that they had sent this information to FSA. I called FSA several times and filed a complaint on XX/XX/XXXX. FSA closed my complaint without reaching out to me or resolving the issue. 

Yesterday I received an email from FSA hat the XXXX XXXX XXXXXXXX XXXX is delinquent and will be sent to collections. I called FSA again today but was transferred between various departments, but no one could tell me how to fix this issue. I submitted another complaint to FSA today, but I'm worried that this second complaint will also be closed without being resolved, and I really don't want this loan to be sent to collections.
Product: Mortgage

In XXXX of XXXX, I wanted to refinance my house so I could lose the PMI payment. I contacted Quicken Loans and they asked what was my ultimate goal. I said to lose the PMI payment and have a conventional loan. XXXX ( who no longer works for Quicken ) said I was not eligible because my credit score was too low. He suggested a two step refinance process to get my credit up. First, refinance to payoff the credit card debt to help rebuild my score and then refinance again once the scores were at XXXX. He said after making four payments and having an eligible credit score they can start the new conventional loan. I said I don't want to pay closing cost twice and he assured me since I would be a current client I would pay very minimal closing cost. I proceed with this loan and got my credit score up. In XXXX of XXXX, I contacted Quicken Loans and worked with XXXX. After the {$500.00} appraisal fee was paid and the underwriters looked at my information, he said I was not eligible to do a conventional loan because I had a foreclosure in XXXX of XXXX and could not get a conventional loan until seven years from that date. This be would be XX/XX/XXXX. I explained that I submitted the foreclosure document back in XXXX of XXXX and at that time I should have been informed that I would not be eligible for losing the PMI until XXXX. He agreed and they did reimburse me the {$500.00} appraisal fee I paid. I then contacted Quicken 's complaint department. XXXX said that was terrible this happened and offered {$500.00} off my next loan. I told him that we were not on the same page and feel I deserve to have all the extra costs reimbursed. He said he would review the situation and get back to me. When he did he said he found nothing wrong and they were not able to go back to the recording of XXXX 's conversation with me to verify what XXXX said because the conversation was erased. They only keep that information for 90 days. My issue is I should have never been told I could move forward until my foreclose had passed the seven year window. My original loan principal was {$250000.00} with a 3.375 % interest rate. The Quicken Loans amount became {$270000.00} at a 5.625 % This was ok because I was told it was temporary, they were giving me {$1200.00} to pay off credit cards, and once my credit was up they could get me into a better loan. That never happened and my monthly payment went from {$1900.00} to {$2.00}. Now I was forced to refinance again because I could not continue paying an extra {$370.00} a month. So refinancing again brought my total principal to {$290000.00}. In the end, Quicken Loans was aware of my foreclosure from the beginning and should have never moved forward with putting me into a loan.
Product: Credit reporting or other personal consumer reports

Dear M & T Bank, Your Brand Contacted me from XX/XX/year> to XXXX XXXX. Your agency rep called me names for being a XXXX XXXXXXXX individual like XXXX, passive aggressive comments about words like crazy and other comments about me going to XXXX. Why is m & T engaging in meal services that endorse animal abuse shouldn't your focus be salads, adhering to EEO standards and general acceptance with fair housing, I have not seen m & t care about those things and based on the persons interaction with XXXX XXXX and XXXX XXXX spending time to contact me and advertise housing status I hope you seek to correct your involvement with XXXX XXXX and M & T XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items blocked and removed from my credit file. 
The specific accounts that need to be blocked and deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High Balance : {$6900.00} ( XXXX, Equifax ), {$0.00} ( XXXX ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date XXXX : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance Owed : {$0.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Paid ( XXXX ), Derogatory ( XXXX, Equifax ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( XXXX ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( XXXX ), Settlement accepted on this account, Paid charge off ( Equifax ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$6900.00} ), XXXX ( {$0.00} ), and Equifax ( {$6900.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

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

customer service at TransUnion would not help and take care of the negative inquiries reporting to my credit report. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not approved i already had a letter from XXXX  XXXX with a pre approved loan for my car. 
Total of 11 inquiries Please help
Product: Credit card or prepaid card

I have been trying to resolve an issue with Synchrony Bank on a XXXX XXXX credit card/promotional purchase initiated last XXXX and autopaid by setting up on Synchrony 's website, in equal amounts on the payment due date prior to the offer expiry to not be charged interest. 

We found out that Synchrony had been incorrectly registering the payment the DAY AFTER the due date, resulting in increasing late fees and then interest every cycle. They also kept making numerous harrassing phone calls and leaving messages several times a day. 

We have spoken with their contact center several times, the calls lasting at least an hour, with requests for escalation and to remove the charges. We had several extortion-like requests to pay part of this fraudulent balance if they would take off interest and one late payment, and conflicting statements from every person we spoke to. This last call today was finally escalated to a supposed manager who was rude an refused to do anything. Upon request to talk to someone above her at a VP level and be transferred to a US based person, was placed on hold again for 20 minutes then disconnected. 

They are basically trying to strong-arm money for a mistake they made, and do so by trying to wear you out over the course of the call, putting you on hold numerous times, promising to put you in with a specialist, then coming back on the line with extortion to get you to pay. 

I want my credit to not be affected and the " balance '' erased. I paid this in full on time with way more than the minimum payment each cycle to meet the terms of the offer. 

XXXX XXXX, who I have been going to for decades, also needs to address this with their management and the use of this bank for their credit accounts. Already know they became Synchrony from GE Cap due to their continuing fraudulent practices. 

PLEASE HELP!
Product: Debt collection

Debt collector called me. I informed her there was no way I owe anything to anyone. I reached out to all my debtors and XXXX XXXX XXXX XXXX last year. XXXX. secured all my credit reports. I completely paid off most and through XXXX. made arrangements to pay off the rest. My student loan arrangement was also handled directly with XXXX. The debt collector attempted to ask for last four of my social security number after I asked her what company or organization is saying that I owe a debt to them? She refused to provide me with an answer. I informed her that I used to work in debt collections for a major international bank and I am not nave to possible fraud and scams. I simply wanted to know what entity requested them to call me. She again asked me to verify my social security number. I told her I will report her company for possible fraud. I refused and she transferred me to a voice mail box of a guy ( supposedly ) named XXXX XXXX? Sounds kind of hokey to me? Radius Global Solutions should be able to answer such a simple question?