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

On XX/XX/XXXX, and XX/XX/XXXX, Synchrony Bank reported two Time-Barred entries to XXXX and XXXX Credit Bureaus. Neither entry was reported with an account number or payment history and both entries are reporting incorrect " Last Date of Payment '' dates. They reported 2 old accts to XXXX  and 1 old acct to XXXX. 

The first one identified as Synchrony Networks is a HH Gregg account. Synchrony reported it to XXXX and XXXX. I purchased a TV fin XXXX ( see attached receipt ). My credit limit was {XXXX} and I paid the TV off in XX/XX/XXXX ( 13 months ) never late no missed payments. HH Gregg was running an interest-free promotion until XX/XX/XXXX. Synchrony is reporting to XXXX that the last payment date was XX/XX/XXXX, credit limit of XXXX}, high credit of XXXX}, months reviewed 99. ALL INFO IS WRONG! They reported it to XXXX on XX/XX/XXXX, which was 10 years later and it will remain on my XXXX credit report until XX/XX/XXXX, which will be 17 years from the last payment and activity date. They reported the same acct to XXXX under acct # XXXX with XXXX} credit limit and high balance of {XXXX}. They did not report the date of last payment, date of last activity, or payment history. They reported it to XXXX on XX/XX/XXXX, this was 7 years after I paid the acct off. XXXX should have REMOVED it XX/XX/XXXX, yet it remains on my credit report 15 years later and I have no idea how long it will remain on my XXXX credit report. 

The second one identified as Syncb/XXXX XXXX was reported to XXXX only. This was a XXXX credit card that I opened in XX/XX/XXXX for repairs to my XXXX XXXX XXXX ; it was a 90-day same as cash promotion and I paid it off in XX/XX/XXXX and DID NOT use the card again. Synchrony They are reporting an XXXX} credit limit and XXXX} high credit which is correct, and a Date of Last Payment XX/XX/XXXX which is WRONG. I DID NOT make a payment on XX/XX/XXXX nor did it take me 2 years and 4 months to pay off {$370.00}. They reported it to XXXX on XX/XX/XXXX, this was 11 years after I paid off the account. This acct is TIME-BARRED from being reported for both the dates - 11 years after I paid it off and 9 years after the date of last payment Synchrony is reporting. It has been on my credit report for 16 years and XXXX will remove it in XX/XX/XXXX which will be 18 years. 

I'm not sure why Synchrony keeps re-aging these 2 XXXX-balance accounts, other than to keep them on my credit report! I have NOT applied for any credit with them in the last 7 years and I WILL NOT apply for credit with them. 

As you can see on the receipt - my credit limit was {XXXX and my highest balance was {XXXX} the date I purchased the TV.
Product: Credit reporting or other personal consumer reports

Transunion Consumer Solutions and Transunion LLC persistently collect securities on a credit report numbered XXXX containing inaccurate tradeline information. Despite being provided with accurate account details, the Defendants failed to rectify the inaccuracies. 

My credit report, bearing report number XXXX, contains inaccuracies regarding tradeline information FOR XXXX XXXX XXXX Account XXXX 2. I duly disputed the inaccuracies with Transunion, providing comprehensive and accurate account details for verification. 
3. Following an investigation, Transunion purportedly affirmed the accuracy of the disputed information, disregarding the me providing accurate account details.

4. Transunion persist in collecting securities based on the inaccurate information, causing harm and inconvenience to the Plaintiff. 

Transunion Consumer Solutions and Transunion LLC are in Violation of the Uniform Consumer Credit Code ( UCCC ) : They refusal to rectify the inaccuracies in the credit report despite being provided with accurate information constitutes a violation of the UCCC. The Plaintiff has the right to expect accurate credit reporting under this code.

Transunion Consumer Solutions and Transunion LLC have violated the UCCC by persisting in collecting securities on a credit report containing inaccuracies, despite being provided with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

This reporting of incorrect information is very damaging to me and will not be tolerated. I am fully prepared to take legal action against the responsible party. I do not want to file suit against your company if it is not warranted. Please furnish me with written confirmation that you have or have not been contacted by the creditor regarding the above account number. If you have not I will focus my attention on the creditor instead of your company. If you do not respond, I will assume that you did provide the inaccurate information and I will be forced to follow through with filing a lawsuit against your company. As I stated before, I am quite sure that you have not been contacted considering the nature and circumstances of this dispute, but I do request to see that in writing. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. XXXX XXXX XXXX.
Product: Mortgage

My mortgage company has failed to pay my home owners insurance from my escrow account. It was due XX/XX/XXXX. I have made 3 attempts to get this resolved with no action from the mortgage company. The amount owed is {$3100.00}. They also overcharged me on escrow fees in the amount of approx {$18000.00} and have yet to refund them.
Product: Debt collection

I have reached out to XXXX XXXX to make a settlement on a care credit account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. XXXX refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting XXXX XXXX provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.
Product: Mortgage

Stearns lending customer support phone number XXXX has been unreachable for at least five business hours on XX/XX/XXXX from XXXX-XXXX ET. Additionally, their XXXX login for my account mysteriously stopped working on XX/XX/XXXX with no ability to reset the password online without contacting customer support - again which is down. Stearns lending failed to implement escrow payments for my taxes and insurance as previously set up on my mortgage when it was transferred to them in XX/XX/XXXX. This caused late tax payments in XX/XX/XXXX which I had to pay out of pocket. The escrow setup for my taxes and insurance was attempted to be resolved in ticket XXXX on XX/XX/XXXX. After receiving no response I emailed them again on XX/XX/XXXX. I ultimately had to contact them via phone to resolve the situation - which they still proceeded to fail set up escrow for my insurance. Unfortunately they still have not correctly set up my insurance payments and it has lapsed. Due to these multiple inabilities to provide basic loan servicing I am registering a formal complaint due to time spent and financial burden I am incurring due to their failures. I currently have a new ticket XXXX regarding requesting again the escrow setup for my insurance.
Product: Debt collection

They was over charged me for the service I spoke with customer service many times about I said I was going to leave the company my phone was paid off I wasnt in no contract so I leave the company. I owe them no debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute account from all 3 bureaus sent company XXXX XXXX XXXX a debt validation letter to verify debt is mines on XX/XX/2022 they sent letter back but it was not the correct information I asked for
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal notice and demand for immediate corrective action regarding fraudulent and inaccurate information that continues to persist on my credit reports. Over the past XXXX years, I have filed numerous complaints with no resolution. The records unmistakably establish that I am a victim of fraudulent activity, yet the XXXX major credit bureausEquifax, XXXX, and XXXXhave  failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that all credit bureaus investigate disputes and remove false or unverifiable information. Your continued failure to remove fraudulent entries is not only a breach of federal law but may also constitute willful negligence. The fraudulent conduct associated with my Social Security Number ( SSN ) dates back to when I was XXXX XXXX XXXXan irrefutable indicator of false information that no reasonable investigation could validate. This demonstrates a blatant disregard for your duty to investigate and verify the authenticity of the data reported under my name. 

Moreover, under the Identity Theft and Assumption Deterrence Act ( ITADA ), it is a federal crime to use personal information, such as an SSN, fraudulently to obtain credit or financial benefits. By failing to act on the evidence provided and validating false claims, your organizations are enabling, and potentially collaborating in, these illegal activities. This makes you complicit in the violations committed against my federal identification and credit file. 

It is evident that the collections and accounts reported under my name are the result of gross negligence and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN. Each credit entry must be verified for authenticity, and all fraudulent or unverifiable information must be permanently removed from my credit reports. 

Your failure to address this matter to date has caused irreparable harm to my financial standing and mental well-being. I am prepared to escalate this issue further by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. If necessary, I will also pursue legal action to hold your organizations accountable for violating federal laws and regulations. 

I expect an acknowledgment of this demand within XXXX business days and a complete resolution within XXXX  days, as required by federal law. Any failure to comply will be regarded as a willful violation of the FCRA and ITADA, and I will have no choice but to seek damages to the fullest extent permitted by law. 

This matter is of the utmost urgency, and I expect your full cooperation. 

Sincerely, XXXX XXXX XXXX XX/XX/year> XXXX
Product: Mortgage

Select Portfolio Servicing keeps delaying the processing of my modification. I sent all requested paperwork to them. They call twice weekly saying the underwriters do not have it. I tell them I know you have it because I sent myself a copy. Then they find it and say it was mislabeled or it was n't sent to underwriters. Every time it sets processing the modification back another 5-7 business days. I spoke to a manager today who said that she was escalating the processing to UW. But I have been told this 3 weeks in a row. I was told I have until XX/XX/2016 before being referred for foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Credit reporting

I was visiting the annualcreditreport.com site to get my FREE credit report ( s ) on XXXX/XXXX/15. I selected TransUnion and instead of going to my report I was sent to a " Credit Monitoring '' page for a sells pitch. 
I understand that credit monitoring my be of interest to the general public, however, I could not even get to my FREE report. I was NOT allowed to opt out of the sells pitch and retrieve my FREE report. 
This blunt sells tactic has resulted in poor customer service and smacks of a " bait and switch '' scam. I have absolutely NO interest in making a purchase from TransUnion. 
As I understand it, the federal government sanctioned this site for the general public to interface with the XXXX major credit repositories ; thus allowing access to our credit reports. This site ( XXXX ) is NOT intended to be a sells promotions tool for these companies. This type of behavior needs to be STOPPED!
Product: Debt collection

I Applied for a loan of XXXX XXXX/XXXX/2020. I defaulted after being forced to change my bank. They reached out to advise me they will bring my amount up to XXXX then stated if I didn't pay they will bring it up to XXXX. I asked them why they are making it so high and they stated the other XXXX is credit reserved. They stated that is what I was approved for. I advised the m I did not want that amount. they said they know that's why the applied it as a credit reserve. This was reported as XXXX so far and has caused my score too drop by 50 points. I understand late fees but to add XXXX delinquent then what was used is crazy! I wouldn't to not mind paying what was OWED even fees but they have reported and XXXX balance difference and damaged by credit making ineligible for an apartment I needed to move to. They have already damaged my score an opportunities before I even had a chance to handle anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents. I have not received this information Per Section 623 ( a ) ( 3 ) I believe my right are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

According to the FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove it from my credit report thank you. 
*Please see attachment*
Product: Credit reporting or other personal consumer reports

This account is not closed. I have filed numerous complaints and have notified the company over 50 times. For some reason they keep reporting the account as closed. And the worst part is they said I CLOSED IT. the account is not closed and i didnt close it. I use this credit card every month and the credit limit just increased to XXXX Credit limits dont increase on CLOSED accounts. This account should be reported as OPEN/NEVER LATE. Comenity/Bread Amex card. Account info Account number XXXX Its reporting closed on all three credit reports. Company needs to fix this. 
Attached statements shows account is NOT CLOSED but open and active. 
You can see charges I made and payments I made for the last few months. its an open account! 
Why do the continue to report it as CLOSED. makes no sense. its not that hard.
Product: Mortgage

on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over 90,000 dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose time and paying a higher interest rate for 4 months. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and k-1 income. I also contacted XXXX XXXX senior managing director in XXXX and XXXX of XXXX asking for him to investigate. he did not provide a reason for refusing my application. he did not explain why homepoint would not count my bank statements as proof of cash, consistent with federal regulations. he simply stated people like you don't get qualified. I later reviewed and found out they did not conform to federal fannie mae or FHA lending guidelines, their practice was subjective and not objective and predatory. It was based on personal preference, and racial prejudice. I eventually got another lender who review my documents and approved my application under the same federal guidelines, with the same documents, but lost thousands of dollars in the process, despite having over a XXXX fico score and XXXX dollars in cash to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX card was added to my XXXX credit report : registered with XXXX in XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX ). I have never had an account with XXXX. I've never even been to South Dakota. This card had debt and was reducing my credit score. Naturally, I filed a complaint through experian. XXXX XXXX XXXX responded with a letter XX/XX/2023, stating " We are unable to update the credit report as requested. To remove authorized users from credit reporting, the authorized user must be removed from the account. '' I tried to contact XXXX, but of course could not speak to any one about this account since, as it is not my account, I don't have the account details. I reached out to the branch, but to no avail : They never picked up the phone or responded to my letter. Experian got back to me with a report, Numbered XXXX & XXXX XX/XX/2023 stating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX account ending in XXXX on several occasions with XXXX, TransUnion, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of  XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, TransUnion, and XXXX are not in compliance with the FCRA and are still reporting Bloomingdales on my credit report
Product: Money transfer, virtual currency, or money service

I intended to send money to a person on cashapp but needed up sending to someone with a similar account name I immediately request my {$40.00} back and the account XXXX XXXX $ XXXX he declined my request and blocked me refusing to send my money back. Cashapp advocates refused to make it right because I dont know the persons information email and telephone number I intended to send money to and rhat has nothing to do with my money not being returned from XXXX XXXX XXXX