23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit amount was lowered without proper notification and valid reasoning. I called Synchrony Bank and spoke to XXXX different people and no one at Synchrony Bank could give me a valid reason for doing so. I believe Synchrony Bank is violating my consumer rights and the Equal Credit Opportunity Act.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX {$550.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$66.00} Dispute through the Goldman Sachs card service XXXX but they take super long on their service and dont allow you to use the card while these transaction go through.
Product: Debt collection

To Whom It May Concern, I am writing to formally file a complaint against Penn Credit Corporation regarding a debt that has appeared on my credit report. 

Details of the Complaint : Debt Amount : {$250.00} Creditor : Penn Credit Corporation XXXX # XXXX I have no prior knowledge of this debt and have never received any communication from Penn Credit Corporation verifying its validity. I am particularly concerned because I have recently discovered that my personal information, including my Social Security number, has been compromised and sold on the dark web. 

As a result of this breach, I have been receiving fraudulent information in my inbox, and I am worried that my identity may have been stolen. Given the circumstances, I am requesting the following :
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit increase with American Express. After applying AMEX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that AMEX XXXX pull and they advised they did not show the information that AMEX had on file. 

I then called AMEX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by AMEX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to AMEX. 

It is my belief that AMEX is using outdated files when pulling credit reports of clients. I reached out to both XXXX, XXXX, and XXXX XXXX regarding the information AMEX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how AMEX is reviewing credit but their file does not match either of the two credit reporting agencies. 

I did not receive a credit pull alert from AMEX or from the credit reporting agency that my credit was pulled by AMEX. 

failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX 

Using old and outdated reports for the certain customer ( s ) is a form of discrimination. 

There needs to be a full investigation into the pattern and practices used by AMEX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. 

AMEX advised me they used reports from XXXX and XXXX XXXX to review my request for a credit increase. 

Once again I did not get any alerts that my credit had been pulled by AMEX
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX, Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If all this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Money transfer, virtual currency, or money service

I am a XXXX yr old female in XXXX, Nebraska going through a divorce and opened an account in matrimonial site XXXX. A person named XXXX XXXX XXXX contacted on website and later texted on XXXX. His phone number is XXXX XXXX XXXX. He said he is an architect, widowed and has a son in XXXX. His son also contacted me from phone number XXXX XXXX XXXX saying his Dad asked him to connect with me. After few days he said he is going to XXXX for an ongoing construction project where he is getting millions of dollars back. From there he said he needs money because he got stuck with the materials at port need to be shipped and company is not sanctioning money at this stage because the project is not completed. He begged for help and asked for a temporary loan to wire transfer to his friend in Florida XXXX XXXX on his Fifth Third bank account number XXXX in Ohio. I did send wire transfer from my bank XXXX XXXX XXXX XXXX XXXX {$50000.00} on XX/XX/XXXX. After that he kept asking more and more facing more issues and I sent several other transactions from my XXXX XXXX XXXX total of {$71000.00} wire, plus {$3000.00} by XXXX XXXX Tracking Number XXXX XXXX XXXX on XX/XX/XXXX and {$1000.00} XXXX XXXX cards for his son.Total money lost is {$120000.00}. On XXXX, he was planning to be back and return money, he did not show up. I suspected fraud and informed my banks and police. His friend XXXX whose number is XXXX contacted and said that he is sick and admitted in a hospital in XXXX asking for more money for his hospital bills.
Product: Debt collection

CMRE financial reported debt to my credit reports, I called them, they said they couldnt send me an invoice but I can see if online but I had to sign to verify the debt as Accurate first before viewing the debt which is fraudulent! Also discovered its not my account but was told the only way to get it removed was to pay it anyway.
Product: Mortgage

my refinance loan was denied because they said that I did n't make enough money, i made XXXX but they said they only would use XXXX
Product: Mortgage

I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/XXXX, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. My XX/XX/XXXX, payment was due. On, XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX which put my account into a current status. My next mortgage payment was due on, XX/XX/XXXX. The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/XXXX, just days after my account was put in current status the troubled loan servicer created a XX/XX/XXXX, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/XXXX, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/XXXX, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/XXXX letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/XXXX immediately.
Product: Mortgage

I applied for a mortgage for a purchase of a home with XXXX XXXX XXXX Mortgage Loan Officer NMLS # XXXX at XXXX. 3 Months after my loans was closed I received an email from my credit monitoring app that my credit was pulled again by XXXX XXXX in XXXX. 

I contacted XXXX right away ( XX/XX/XXXX ) and was informed that there was a system glitch and that company pull a credit on already closed loans and mine was one of the. Not only my credit was pulled with no authorization but all my info was sold to mortgage companies and I have been getting telemarketing calls every day. He insured me that they are in process of fixing it and I should see that reflected in my credit shortly. 
Since then, I followed up with XXXX on XXXX, XXXX and XX/XX/XXXX with no response. 

I also called mortgage servicing line with no resolution, since they asked me to go back to my loan officer. 

Apparently Key Bank that owns the XXXX XXXX Mortgage firm can just pull a credit on any closed files, with no authorization and not follow up with their clients to fix the issue.
Product: Credit reporting or other personal consumer reports

I am writing to file my final formal complaint regarding multiple violations of consumer protection laws by Experian and XXXX. Upon reviewing my credit report, which began in XX/XX/XXXX after countless denials for a rental application, I have identified egregious discrepancies that directly contravene federal statutes designed to safeguard consumer interests. It is now XX/XX/XXXX and I am still dealing with the violations of this report, which have contributed to the trauma of my life since XX/XX/XXXX. 

Firstly, in accordance with the FCRA Section 609 ( 15 U.S. Code 1681g ), both Experian and XXXX have failed to provide the original contract, a crucial document pertinent to the accuracy of the reported information. Furthermore, the non-provision of Form 1099-C, as mandated by the Internal Revenue Service ( IRS ) , constitutes a violation of tax regulations, exacerbating the already precarious situation. I've been requesting these documents since I first began disputing the account in XXXX. 

Most concerning is the dissemination of inaccurate payment history, balances, and account status, which directly contravene the Fair Debt Collection Practices Act ( FDCPA ) Section 808 ( 15 U.S. Code 1692f ). The presence of a purported past due amount subsequent to the charge-off status not only violates federal statutes but also calls into question the integrity of the entire credit reporting process. 

Continuously updating inaccurate information to my credit report but not providing any requested verification is several violations within itself.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some hard inquiries I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

INACCURATE INFORMATION DISPUTE : The items I am disputing are as follows : Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX  Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX Date : XXXX/XXXX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This hard inquiry was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!
Product: Credit card

This complaint has multiple parts : 1. Similar to CFPB Complaint IDXXXX, Synchrony Bank recently " upgraded '' my account from PayPal Smart Connect to a PayPal Extras Mastercard. My old account with a long history has been marked as closed on my credit report and a new one has been opened which has hurt my credit score. 

2. I made a purchase on XXXX ( XXXX/XXXX/2016 ) where promotional financing was offered if I used PayPal Credit to pay for my purchase. The promotion stated that I would receive 6 months no interest financing with an APR of 19.99 % after the promotional period ( it now displays as 12 months no interest financing ). The purchase was made using PayPal Checkout and my line of credit with PayPal was chosen as the payment method. Upon receiving my statement dated XXXX/XXXX/2016, the purchase did not specify that it was subject to promotional financing terms. After contacting customer service on XXXX XXXX, 2016, the representative confirmed that my purchase was not subject to promotional financing. 

3. Upon further inspection of the statement, I noticed that the Annual Percentage Rate listed on my statement is 27.24 % variable. After reviewing the terms and conditions for my account, I should be receiving an interest rate of 20.24 % APR or 24.24 % APR for standard purchases depending on my account type, which has not been disclosed to me. Furthermore, promotional purchases are listed as an option at the end of " SECTION XXXX : RATES, FEES AND PAYMENT INFORMATION '' in the account agreement for the PayPal Extras MasterCard.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting of Late Payments under the Fair Credit Reporting Act This letter serves as a formal dispute concerning the reporting of a late payment associated with my closed account with XXXX XXXX XXXX Account number XXXX I believe the information on my credit report is erroneous and violates provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, which govern the reporting, verification, and accuracy of information within consumer credit files.

Basis of Dispute I have reviewed my records and confirmed that there was no delinquent payment on this account prior to its closure. Consequently, the reported late payment inaccurately reflects my credit history. This inaccurate information is having a negative impact on my creditworthiness, and I am therefore disputing this entry in accordance with my rights under the FCRA.

Relevant Legal Provisions 1. Reasonable Procedures for Accuracy ( 15 U.S.C. 1681e ( b ) ) Under the FCRA, credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy in consumer reports. The inaccurate reporting of a late payment on a closed account fails to meet this standard, as the information does not accurately represent the accounts status at the time it was reported.

2. Obligation to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) As the CRA, you are required to conduct a thorough reinvestigation of any information disputed by a consumer. I hereby request that you investigate this matter by contacting the original creditor and verifying the accuracy of the reported late payment. If your investigation finds that this information is indeed incorrect, I request its immediate deletion from my credit report.

3. Duties of Furnishers of Information ( 15 U.S.C. 1681s-2 ) Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are obligated to ensure the accuracy and integrity of information reported to CRAs. If your investigation shows that the creditor failed to meet these standards, I request that the late payment entry be promptly removed.

Requested Action In light of the above, I respectfully request that you : Reinvestigate the reported late payment, contacting the creditor as required by law. 
Remove or correct any inaccurate information from my credit file if the investigation confirms inaccuracies. 
Notify me in writing upon completion of your investigation, including a statement of any actions taken. 

Supporting Documentation To assist with your investigation, I am including relevant documentation, such as my credit report. 

Please consider this dispute a matter of urgency. I request a response within 30 days as stipulated by the FCRA, including confirmation of any corrections or deletions made to my report. Should the information remain unchanged and verifiable, I request a detailed summary of the reinvestigation, including the name and contact information of the data furnisher and any materials used in verifying the informations accuracy. 

Thank you for your immediate attention to this matter.
Product: Debt collection

I received this text on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : " Here is your acct info from XXXX. Visit XXXX XXXX XXXXXXXX or call XXXX. See details : XXXX XXXX stop to end '' Because of the deluge of spam by text and calls, I ignored the text and hesitated to follow the link because I thought it could be a scam. I did not receive any other notification other than the texts. I did contact the company after receiving an alert from my XXXX account that I had been reported to credit companies. They claimed that they usually send written notice but had no record of it being done. 

I believe I was inadvertently sent to the debt collector, and I am addressing this with the facility I was billed by.
Product: Credit reporting or other personal consumer reports

This complaint is to address a grave issue regarding the erroneous reporting of a bankruptcy on my credit report by the Credit Reporting Agency ( CRA ). Despite a prior complaint regarding this matter, the CRA verified the bankruptcy information using an unnamed public agency without providing essential details of the verification process. The CRA is required by law to provide full documentation that outlines every step taken to validate this information. This includes the exact source of the data, the date it was obtained, and any verification methods used. Without these details, the CRA has failed to demonstrate due diligence in verifying the accuracy of this record, which directly impacts my credit standing. 

As previously stated in my initial complaint, the ( attached ) communication from the Court explicitly confirms that it does not report information to third parties or any other individuals. Therefore, I have substantial grounds to question the legitimacy of the CRA 's verification process. Furthermore, the actions of the CRA and any entity involved in this reporting violate the following federal statutes : 1. Violation of 15 USC 1681b ( 2 ) : This statute mandates that no information should be furnished without written instructions from the consumer. The CRA has failed to prove that any written authorization was provided for this verification process.

2. Violation of the Privacy Act of 1974 : This law requires that disclosure of any records contained in a system of records be conducted only upon written consent from the individual. I have never provided such consent, nor has the CRA demonstrated that any consent exists authorizing this disclosure or verification. 

The CRAs handling of this bankruptcy report is, therefore, both unlawful and unsubstantiated, violating the boundaries set forth by the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Given these violations, the bankruptcy report is invalid and must be immediately removed from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX. XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX. XXXX Account name : XXXXXXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.