23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I deserved in XX/XX/XXXX that I had two accounts on my credit report from the same collection agency with two different accounts with different amounts. When I called the company I paid off one that I knew was mine and asked the company to provide documents on the second account so that I could verify if the account belongs to me, because I knew for fact it was not mine account.The company never sent me any documents but continue to report this debt to my file .This account was deleted on XX/XX/XXXX off my credit file. On XX/XX/XXXX this company turned around and reported this same collection as a new account, when in fact it's not new and the account is not mines. I understand that I have the right to validated information that is being reported on my file and I have did that, and I ask that you step in on this matter and figure out why they are reporting false information and have them provide poof of documentations for the account they reported. Also on the day of contact with this company they guy was very rude, they had my cell phone number programmed in their phone directory. I asked for documents again and the guy refused to send them to me. By law if this company can not provide documents for debts they place on people '' the collection is to be removed '', which was done. How is this company able to keep reporting collections that are removed due to their lack of documents be placed back on? This company is causing a disturbance to my credit file.
Product: Credit card

I was completely duped by Synchrony Financial ( www.synchronyfinancial.com ; XXXX : SYF ) which was spun out from GE ( XXXX ). This company claims its roots in helping American 's purchase GE appliances in the Great Depression. What a joke! 

The story is that I purchased some sports equipment ( {$7500.00} ) for my rehabilitation from XXXX XXXX using what I understood to be a 0 % finance credit account for 18 months after which point I would then start to incur finance charges ( if not paid in full ). That 's perfectly acceptable to me, but XXXX things happened, ( 1 ) They charged me for all past interest on the card ( {$2600.00} ), and ( 2 ) the interest charge was a mind boggling 29.99 % APR. Outrageous! The sales person advertising the option at the time, sold it as why not take the credit, its basically free and then you just pay it off. I was shocked that such a thing could actually happen. 

Talking to their customer service of course be me online with call center in XXXX speaking with people that could only manage to recite company script. Given the accuracy and eloquence of the description I 'm quite sure that they have it printed out as part of the call center representative training. I think this really vilifies Synchrony, i.e. as a call center representative going to get numerous calls from angry people when we nail them with the steal their money interest charge, here 's what your read to them. 

I 'm sure they covered themselves in fine print legalese or perhaps it was lost in translation when GE spun out Synchrony, but I never received a call or any formal written notice that I was about to be charged nearly XXXX % of the amount I borrowed. One would think that your about to be charge {$2600.00} warrants at least a call to the home or a written notice. 

I basically assumed since I was then dealing with GE ( at the time ) that I was dealing with a company with 100+ years of integrity and strong reputation. Bad Assumption. It is the modern era, so I set up auto-pay to insure timely payment of my debt and I also set up paperless statements to be a good planet citizen. My bad. 

I 'm disgusted more with myself at being fooled, than with Synchrony who obviously know how to play the game in taking advantage of people. 

I filed this complaint to maybe help others from being fooled by Synchrony. 

They win again, buyer beware.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Called to company XXXX times to have XXXX send to since they have written off the account. I was hung up on all thre times.
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt okay them to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to follow bankruptcy laws. Accounts were discharged in my chapter XXXX filing. XXXX XXXX was of those accounts discharged. XXXX has updated my credit file correctly, however Experian has both XXXX XXXX accounts listed as delinquent. They refuse to allow me to dispute these already fraudulent accounts under bankruptcy now. These accounts were XXXX in my filing XX/XX/2021, I notified Experian of this information. They refuse to update these accounts which is causing damage to my credit file. I do not have any open accounts as they were XXXX and the balances have been marked {$0.00} Experian is the only company still reporting accounts with balances and refuses to mark the accounts chapter XXXX
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found items I do not recognize and I have not authorized.
Product: Debt collection

The Company identifies itself as Conns Home Services. They call from multiple numbers 4-6 times a day. They ask for a person I have never heard of. I have told them repeatedly that they have the wrong number and have instructed them to stop calling. Then they tell me that I must verify my personal information or they wont remove me from their list. I have blocked two different numbers that they call from, but they still call.
Product: Vehicle loan or lease

My automobile servicer violated the XXXX XXXX XXXX Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices. 

They Illegally seized my car, because the dealership with whom I obtained the car from refused to honor the service warranty. The car broke down not even 30 days after I obtained ownership of the vehicle. We later found out that the car was still registered in someone else 's name at the XXXX. The XXXX also has an open claim against the dealership. My loan servicer is repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. I was not behind on my payments. They did not send a letter of notice which is required by the state of Texas to repossess a car. I never signed any paperwork stating that I wanted to surrender the vehicle. 

They are reporting this on my credit, but how is that fair. They illegally seized the car and refused to XXXX any warranty that was included in the car loan payments. 

An investigation needs to be opened against this lender and the car dealership. The have several cases and complaints open against them for their unethical practices and sloppy record keeping.
Product: Debt collection

XXXX formerly XXXX stated I owed the a debt of {$99.00} for service after they forgot to cancel my service after I called and told them to cut it off. They sent the debt to collections. After I filed an FTC complaint I received a call from their corporate office stating it was a mistake and was sent a letter saying the debt was forgiven and no payment was owed. Since then I have continuously gotten calls up to 10 times a day trying to collect this debt. Each time I provide the debt collectors with the letter XXXX gave me they just sell it to a new collections agency. The current holder of the debt is Collection Bureau Hudson Valley
Product: Credit card or prepaid card

Credit Card Issuer Bank : Barclays Bank Delaware Credit Card Type : AAdvantage Card On XX/XX/2022, I was charged for the INTEREST CHARGE-BALANCE T, but I paid off my balance before the statement 's due day. 

This fee is not reasonable because I've already paid off my balance, but still get charged!
Product: Credit card or prepaid card

To Whom it may concern, Name : XXXX XXXX XXXX ; Account ending : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX points as it was advertised on the XXXX bank website. I did apply and was approved and I did spend {$XXXX} to full fill the terms of the bonus points but instead I got only XXXX. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX points online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking XXXX XXXX to honor their promise and honor XXXX bonus points. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I sold my home on XX/XX/XXXX. 2022 the lender was paid off in the month of XX/XX/2022. 
XXXX the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over 100+ points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at XXXX are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX 2022 and both client service agents where rude and did not help me at all. 

Thank you
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Account Number XXXX After contacting XXXX and XXXX, the response I received from XXXX dated XX/XX/XXXX is reporting this account as a charge off as far back as XX/XX/XXXX then in XXXX reports as 30 days late 3 times, then reports as paid on time 3 times, then in XXXX 60 days late 6 times then 30 days late 4 times, and paid on time 2 times in XXXX. How can this be accurate if this account is reporting as a charge off as far back as XXXX? I have tried to resolve this issue and no success.
Product: Debt collection

I REACHED OUT TO THIS COMPNAY SEVERAL TIMES WITH NO RESPONSE. FIRST XX/XX/year>, SECOND CONTACT XX/XX/year>, THIRD CONTACT XX/XX/year>. EACH TIME I ALLOWED TIME FOR A RESPONSE. NO RESPONSE GIVEN TO MY DEPANDS.
Product: Mortgage

Mr. Cooper 's on-line payment system is riddled with errors and issues. On multiple occasions their systems would not recognize my user name or password. The user name/password retrieval system does not work. It sends you a time limited temporary password. It takes so long to receive the message that the temporary password is no longer valid once you receive it. When you call to pay by phone they charge a service fee. Unfair business practice. Their customer service is non-existent.
Product: Debt collection

Waypoint Resource Group uses illegal spoofing practices to disguise their phone number on my caller ID. They attempt to call me frequently during all hours of the day, sometimes early morning before XXXX XXXX. They do not state what their business is or why they are contacting me unless I give them personal information about myself. When asked whether they are a collection company, the representative states that they are not. If they can not reach me, or if I don't answer their phone call, they then contact my fiance on her phone. On XX/XX/2018 at approximately XXXX, Waypoint Resource Group called my fiance on her phone with her caller ID showing my phone number when I was sitting next to her. If I wasn't sitting next to my fiance at the time, she stated that she would have answered, thinking it was me calling her. On XX/XX/2018 at XXXX, Waypoint Resource Group called my fiance on her phone. She did not answer. I have filed a complaint with the FTC against Waypoint Resource Group for their harassing phone calls, their illegal spoofing practices, and for continuing to contact both me and my fiance after they have been told to stop. The phone calls began in XX/XX/XXXX and are growing in frequency. My fiance and I no longer answer our phones if we don't recognize the caller ID.
Product: Debt collection

I previously had a dispute with XXXX Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Once again, my account with Robinhood Bank has been blocked. Despite my previous dispute with the Consumer Financial Protection Bureau ( CFPB ), they decided to deny me the ability to live off my assets. Additionally, I have been restricted from accessing my account once again for reasons that I do not understand. I have complied with all of their requests. The actions of the company 's Associates have adversely affected my life and I have informed them of my suffering. Furthermore, I am traveling overseas, and they have deliberately denied me access to funds. The account is used to make a living to cover my living costs due to the increase in inflation. I am entitled to access my account assets, which are used to trade securities. As of right now, I have not been able to trade and make money. Please understand that I reserve all of my rights and do not understand what their policies are.
Product: Credit reporting or other personal consumer reports

Credit was opened u and used with out my consent.
Product: Money transfer, virtual currency, or money service

I have been working to making a payment to a body shop to fix my car so im able to pass inspection and get my new license plate. I have typed the wrong number and been sending payments ( total of {$1900.00} ) to a random person with XXXX a money transfer company partnered with Wells Fargo. After realizing some time later that i had been sending money to the wrong person i called wells fargo. They told me Thank you for letting us know we are more than happy to help. thinking that they could simply reverse a payment thats only happened no more than an hour ago. They then told me they will call me back on my case this week and a time frame is between XXXX. I waited all week and gotten no call. I then call them myself to figure out why i have not been getting any information on my case. They said its still not ready. Next week i called again and they finally told me that my case was closed. No call, no email, no nothing that would tell me they decided to cancel my case. I called back demanding to who else i can speak to and they just kept rerouting to different employees ultimately ending in them hanging up on me. I have never seen a bank so careless about there customer thats been with then since I started highschool. They left me to have me forget about my case, and allowed my money to be stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX  not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed with credit card company XXXX XXXX who completed the investigation and had both accounts deleted from credit report. Trans Union continues to report account on credit report when it should have been removed as per XXXX XXXX. 

Attached is letter from Credit stating accounts should be removed.,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date.

Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX stole money and embezzled it to their profit. They knowingly did so repeatedly from about XX/XX/2023. They falsely fraudulently and deliberately report late status on my credit file. They do this to harm me. They refuse to remove. They stole money from the check XXXX offered to return ALL money under the contract terms to cancel this fraudulently induced loan. They know they stole and embezzled the money to appear like a XXXX payment was made when it was not. Despite this criminal activity they double double and commit more crimes by claiming I have XXXX months of late status. If they stole a payment for XXXX then the first day this fraudulently induced loan was late is the XXXXXXXX XXXX XXXXXXXX. The fraud loan was allegedly sold back to the original criminals who fraudulently induced me into this contract. Enclosed find alleged transfer in legally required doc. It could be fraud who knows. They still have not transfered the debt and continue to increase amount due on my loan portal so there is reason to find the transfer letter is fraud fake and more lies from a criminal. Anyway there can be NO LATE PAYMENT PUBLICATION ON MY CREDIT BUREAU FILE BECAUSE if the first day it was late is XX/XX/XXXX then it is not 30 days late until XX/XX/XXXX. But this co doesnt care about facts it just wants to hurt oppress and defraud borrowers.