23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  appeared on my credit report. Its been 6 months since negatively impacted my credit report. They have not validated the debt, gave me a chance to Dispute the debt. Ive contacted via email and phone. There is no proof i knew about this debt prior to it being on my credit. There is no correspondence between the debt collector and/or myself prior to inserting this debt on my credit. I have no knowledge of this debt.
Product: Credit card or prepaid card

I have been attempting to get two charges from an auto-shop charged back to me through Synchrony Bank XXXX Care Credit for the last 4 months. 

The auto shop was unable to locate the proper replacement for my automobile and refuse to give me my money back even though they are in possession all parts that had been installed into my car. They are admitting that they are at fault but claim to not have funds to pay me back. 

Synchrony keeps closing my dispute for various reasons. I have opened disputes a total of 8 disputes for two separate charges, 4 attempts for each charge. 

The first two times I opened a dispute, Synchrony closed the dispute due to me not communicating back with them but there was zero attempt at communication from them. No emails, phone calls or messages through their customer portal. 

The third time time, Synchrony informed me that I needed an invoice for each charge from the auto shop stating that all parts/labor that I was charged for had been returned to them. I did this immediately. 

The dispute was closed due to Synchrony not having a letter stating that I was still owed the funds for the auto shop. They told me that this letter could be typed by me, not the auto shop and did not need to be notarized. 

I immediately sent this letter along with all additional paperwork that they had stated they needed in the past. 

The dispute was closed again for lack of proper documentation. Again. 

Synchrony seems to change their rules and requirements for filing a dispute claim. The worst customer service management team I have ever encountered. 

I am looking to take legal action against Synchrony Bank due to financial negligence and will be closing my 5 credit accounts that I have with them.
Product: Credit reporting or other personal consumer reports

I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Trans Union XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear Tran Union, Re XXXX Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Trans Union XX/XX/XXXX Dear Tran Union , Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely  XXXX , address only,   XXXX   XXXX    XXXX ,  XXXX   XXXX  South Dakota,  XXXX . I never had a citi card, only have  XXXX  credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.
Product: Vehicle loan or lease

On XX/XX/2020 I tried to make my online payment with TD Auto Finance web site it was not working correctly. I called TD Auto fianc and asked the rep if she could see I made a payment she said no so I made payment with Debit card. On XX/XX/XXXX I checked my bank and saw TD Auto finance had taken another payment thru my checking account. I called them the rep told me he we can call my bank and verify the funds I explained the funds posted today then he told me he can only hold 3 min and the wait time to speak with a rep at XXXX was 12 min. I I asked him how can I get my funds back he said I had to send a notarized bank statement to TD. I explained they took the extra payment they should be able to refund it. I went to XXXX branch and the financial rep there called TD to inform them yes funds were received and 2 payments were taken. The rep from TD Bank told the financial rep at XXXX it would take 30 days to get the funds back. I feel in these times with the Covid yes Im blessed to be working but still need my money back on their mistake and it should not take 30 days when they are a bank. I disputed the payment with XXXX my bank they will refund my money but now their will be fraudulent report with their billing system and it will block me from making payments going forward I will not do XXXX XXXX or XXXX XXXX TD Bank has to correct their policies so this does not happen again and customers should be able to get a refund with in 5 days not 30.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS CPS/MAIL XXXX PREFERD XXXX INQUIRIES DMSI/AUTO YES XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX TOTAL MERCHT XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX A XXXX XXXX XXXX XXXX {$760.00}
Product: Debt collection

I received an email from Resurgent Capital ( part of it is copied below ). I initially assumed it was a scam ( I think I received at least one similar email from them recently ), but I XXXX the company and it seemed to be a real company. So I decided to call them and find out what it was about. 

After going through their automated system, I spoke with a representative who wanted to verify my identity. I pointed out that I wanted to verify their identity since I had absolutely no idea what this was about. She then put on a supervisor ( XXXX XXXX XXXX, who understood the problem and asked me if I would be willing to share the year of my birth. I did ( XXXX  ) and then she immediately said that I was not the person that they were looking for. Apparently there is some other XXXX XXXX who was born in a different year who owes money to " XXXX XXXX XXXX ( which sounds fake, but what do I know ). So XXXX XXXX removed my email from their database ( supposedly ). 

Now both the representatives were very professional, but it seems to me that we have enough problems with hackers, scammers, spammers, etc, without companies sending collection emails to the wrong people. Plus I imagine the real XXXX XXXX ( I mean, I'm real too, just to be clear ) wouldn't be happy about his account information being sent out. ( It's kind of funny that the company is so uptight about verifying my identity when they are the ones sending out this email ). I figure that this is probably not the first time this has happened either. 

So I don't want anything but I think you should look into it. Thanks. 


Resurgent Capital Services logo This important message is for XXXX XXXX. If you are not this person please delete this email. 
Login Contact FAQs XXXX, I want to make sure you know all the options you have to choose from so you can make the best choice for you. 

You can view payment options and even select your first payment date! 

View your options on our self-service website or reply to this email if you have any questions. 

Create a Profile Please review your account details below. 
Account Number : Ending in XXXX Original Creditor : XXXX Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$640.00} View My Account
Product: Student loan

In 2010 my income sensitive payment program was approaching its fulfillment time of 25 years, so I contacted my loan servicer to find out what the process of completion was. At that time I was informed that my loan had been transferred from its original servicer to MOHELA two years previously and that I was no longer on the ISRP but had automatically had my loan placed on MOHELA 's XXXX program and that the 25 year forgiveness period started all over again with the new servicer! I am now XXXX XXXX XXXX and my loan will not be forgiven until I'm in my nineties! In the meantime, as interest has accured, my credit report shows that I owe more than {$150000.00}. up from my original {$43000.00}. loan through interest. I applied for forgiveness for my work in nonprofits but was turned down because they were not qualifying nonprofits. I can not purchase a home, nor anything else requiring a credit report because of this debt, although I have been meticulous in keeping up my status with the loan servicer. This " start over again '' policy on firgiveness when a loan is transferred without the borrower 's knowledge or permission is a federal scam!
Product: Credit reporting or other personal consumer reports

RE : REQUEST FOR REMOVAL OF INACCURATE CREDIT INFORMATION TO WHOM IT MAY CONCERN ; UPON REVEWING MY CREDIT REPORT, I HAVE IDENTIFIED THE FOLLOWING ITEM ( S ) THAT CONTAIN INACCURACIES XXXX XXXX { XXXX XXXX : THIS COMPANY IS IN VIOLATION OF ( 15 USC 1681N ) THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELETE THIS UNAUTHORIZED INQUIRY AMERICREDIT- { XXXX XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY CONSUMER PROTFOLIO- { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY ALLY FINANCIAL { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX  XXXX VIA DEALER { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XX/XX/year> XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY I DID NOT CONSENT, NOR DID I AUTHORIZE AND NOR DID I BENEFIT FROM THE FOLLWOING INQUIRIES, THEY ARE FRAUD AND REMOVE THEM IMMEDIATELY SINCERELY XXXX XXXX
Product: Debt collection

This company continues to call prior to XXXX. I do not answer, as my phone is on silent, but I know who it is and it needs to stop.
Product: Mortgage

Servicing was transferred including escrow XX/XX/XXXX. All tax and insurance including Flood information was included. Flood Ins was due XX/XX/XXXX. The bill was sent to the original servicer because the servicing transfer was not processed correctly. Neither the original servicer or the current servicer notified the Flood Insurance company of the change. Both are at fault and are violating the servicing transfer regulations. I have attached a copy of the pending bill that shows the original servicer still being listed that was provided to me yesterday by the Insurance Company. Last week I received a letter from my current servicer threatening to force place insurance if I did not " quickly '' provide evidence of insurance. I understand that my current servicer did not receive the bill and that my previous servicer should have forwarded it. I also know that the money to pay the bill is in my escrow account. My complaint is that I have contacted my current servicer, I was able to speak to an individual who sent me to the wrong department and then I was sent to another wrong department and they directed me to file a " Help ticket ''. I tried to " Chat '' that doesn't work well either. The press this number automated system is not built for a situation like this and I spent over 2 hours calling different numbers to help them resolve what is their problem. I have attached the response I received from the " File a ticket '' that I was directed to and that comes up when you select " File a Complaint '' on the website. The response says that they can take up to 7 days. I didn't get 7 days in the demand letter they sent to me. Meanwhile, I have no Flood Insurance coverage and according to the demand letter they will take something like {$2200.00} from my escrow account for the force placed insurance while my current policy is {$620.00}. I believe they will respond to you much faster and probably provide you with a contact. I only get a contact if I want a new loan. Appreciate your assistance!
Product: Checking or savings account

On XX/XX/2022, my money was taken from my account without my knowledge through online banking. The company does not work hard to make sure others can not access your account. I went to the bank because once the person hacked into my account they reset my password and took my money and I didnt find out I no Im I went to the bank. They then told me the fraud department would investigate and help me get my money back because they can see I was phished by someone and they did not offer me anything to stay afloat until the investigation is complete even though the perpetrator stole XXXX from my account leaving me to figure out how to pay bills. Navy Federal only closed the account and gave me another one which I still didnt have access to for a day. I had to call and see how I can gain access to my new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was apart of an identity fraud and the woman who used my information was arrested and I was contacted by the XXXX  in XXXX XXXX and I have proof of this. I contacted and provided back up information to XXXX XXXX who was XXXX of about XXXX credit companies where she took out loans without my permission. XXXX XXXX has done a XXXX for the loan of {$29000.00} which they sent to IRS. I have asked them if they would rescind the amount reported to IRS as it is increasing my income and I have to pay taxes on it. They have refused to assist me. I am in a dilemna as I can not refinance my home as my credit scores are low and I show owing debt that I do not have. I have paid a credit company {$2000.00} to fix my problem and for past XXXX years they are not responding to my calls or email.. I am now on XXXX and if I had been able to refinance my home loan in 2021 I would be able to pay my mortgage at the lower rate.
Product: Checking or savings account

I opened an account online during covid as a XXXX person. I attempted many many times to close my account online and with the assistance of many folks at the consumer line to no avail. I explained I can not go to a branch and that is why I opted for an online account and should be able to close the account in the same manner in which I opened the account- it is not reasonable to not be offered that option. Today I received another harassing phone call from the local branch threatening to report me to the credit reporting agency as the account has been dormant and they are charging me a XXXX fee each month. I was only able to reduce my balance to under XXXX online and not to close it. I asked it be escalated as a consumer complaint to management. A XXXX, XXXX XXXX, came on the phone and told me he was not permitted and did not have the ability to escalate this to headquarters. I told him this is a regulatory violation, including UDAAP and FCRA. I had him repeat on 6 occasions that he had no ability to escalate. I asked him who his prudential regulator was and he did not know. I asked twice. I asked if he was aware of what UDAAP or FCRA was and he did not know. I asked if he had any regulatory training and he had not. Additionally, I received no notice of the fees in writing ; perhaps online but as far as I was concerned, I cancelled my account as best I could by removing all my funds I was allowed as they did not have the means to appropriately close my account without contact. If they are suggesting the online is not good enough to close my account, why are they billing me for unfair fees through that process without notice? I just want my account closed and the ridiculous fees waived and the harassments to cease. Closing an account opened online, online is a reasonable assumption a reasonable consumer should receive.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off account listed below, which I believe is reporting inaccurate information under my credit report maintained by TransUnion. I am requesting that you investigate this matter as required by the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

Higher payment assessed along with fees. 
( *FYI - the location I attended was XXXX XXXX then XXXX XXXX was NOT available nor stated on drop-down list ).
Product: Mortgage

We set up a loan mod with wells fargo XX/XX/XXXX. e made the three trial payments and were waiting for a problem with the title ( we have a common name we do not have any liens ). XX/XX/XXXX we were hit storm XXXX XXXX XXXX feet throughout entire house, we are a XXXX, XXXX had XXXX feet. We did not continue with the mod because we didnt know what to do.We had to move out till the house was fixed. Had to fight with mortage co to get insurance money to start work. We paid an adjustor because that is what everyone said to do. We got a lawyer to to the loan mad because at this time we didnt know what to do, the lawyer messed something up XX/XX/XXXX. We are in the process of filing a grievence against him and had to get a different lawyer we submitted another package our lawyer said they said the numbers were good It had to go to the underwriters It was turned down again I just want to stay in my house. We worked so hard on it we could have walked away after the storm but we didnt. We are hard working people we didnt go on vacations. We were trying to get a grant from the SBA for my husband tools, equipment loss in the storm ( we did not have contents insurance ) this is now on hold because they wont work with us until the bank shows that they are giving us a loan mod it a big mess. I feel we our being bullied from the bank because now the house is fixed up thanks to our hard work they want to take it. I have to go to work now. I just want to get this started. Thank you for listening. 
We are sick over this. XXXX XXXX XXXX home XXXX Cell
Product: Payday loan, title loan, or personal loan

On Friday, XX/XX/2022, I financed {$1500.00} through GoodLeap for XXXX tune-up services by XXXX XXXX XXXX XXXX XXXX XXXX  before the work was completed ( See Exhibit A ). Unfortunately, XXXX caused great harm to my HVAC system by leaving an operable system inoperable after servicing my HVAC. As a result, I complained to XXXX on Sunday, XX/XX/2022, and canceled payment and financing through Goodleap. According to the GoodLeap Retail Installment Contract ( Exhibit B ), on pg 2, it states that I " may cancel this transaction prior to midnight of the third business day after the date of this transaction by sending the attached Notice of Cancellation to GoodLeap ... at XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' Consequently, I have through Wednesday, XX/XX/2022, at midnight to send my cancellation to GoodLeap. 

My cancelation actions were numerous, including : 1 ) On XX/XX/2022, emailed GoodLeap at XXXX ( Exhibit C ) 2 ) On XX/XX/2022, replied to their GoodLeap app on origin.goodleap.com that I was canceling the transaction and provided the reason for rejecting it ( Please see phone screenshots of my submission and confirmation that my submission was " Successfully submitted '' in Exhibit D ) 3 ) On XX/XX/2022, before the XX/XX/2022 deadline, I sent the Notice of Cancelation to GoodLeap at the required address via Certified Mail. Please see a copy of the signed and witnessed " Notice of Cancelation ( Exhibit E ), a photo of the Certified Mail letter I sent ( Exhibit F ), the Certified Mail receipt ( Exhibit G ), and the USPS Tracking Delivery and Receipt by a GoodLeap employee confirmation ( Exhibit H ).

However, I continued to receive loan notices from Goodleap indicating that my loan ( # XXXX ) had not been canceled.
Product: Credit reporting or other personal consumer reports

I called TransUnion today again to follow up on my previous complaints. I have been reporting identity theft since last month ( XXXX ) and they keep on saying that CFPB never forwarded my documents to them. I was told different things. On XX/XX/2024, I was told by the agent that they would remove the fraud inquiries from my report within 24-48 hours but until today, they are still there. 

She gave me this number as confirmation, File # XXXX. 

Today, XX/XX/2024, I called again and spoke to the supervisor and they said that they can't remove the fraud accounts because they did not receive my FTC report, which was crazy because I reported this for the 3rd time now and uploaded my FTC last month through CFPB. You told me that you forwarded the documents, right? How come they're saying it's not on their system? 

Who's lying? 

Please remove the account freeze and fix my XXXX report. It's not showing anywhere.