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

synchrony bank reports misinformation and abuses account information. I paid off the account in full on XX/XX/year>. Synchrony bank refuses to report the acount as paid in full. not synchrony bank is demanding a {$190.00} payment for XXXX XXXX the card has not been used in over a year. the account is frozen. I paid off the full amount on XX/XX/XXXX XXXX synchrony bank continues to report misinformation that is damaging to my credit standing. I went a lot of effort and expense to get these thieves out of my life and business and they instead create phony billing to continue to extort and do harm. Synchony thieves should not be doing business. these people are dishonest filth
Product: Mortgage

I received a letter from Ocwen Loan Servicing transferring my mortgage to XXXX, XXXX. I called Ocwen and they told me payment through their website would still work so I made XXXX 2016 payment through their website. I checked my bank and did not see a payment. I went to Ocwen website and did not see the payment. I called Ocwen and they were eager to refer me to the new servicer at XXXX. The Ocwen customer service agent either lied or was ignorant about being able to pay through their website. Then when I called to inquire, the Ocwen customer service agent hung up on me when she was unwilling to help. Very unsettling knowing people like this is handling my loan.
Product: Debt collection

XXXX/COMENTY/XXXX  IS SHOWNING THAT I HAVE BALANCE THAT IS NOT TRUE.
Product: Credit reporting

I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Credit reporting or other personal consumer reports

I mailed a letter to XXXX, Equifax, and XXXX asking for an update on my personal information XX/XX/year>. They insisted that I did not know my personal information and refused to update and/or remove names that do not belong to me, social security numbers that are not mine, old non mailable addresses, and my employment information. 15 U.S.C 1681B ( A ) ( 2 ) entitles me to update my consumer report in accordance with my written instructions. Refusing to remove outdated, irrelevant, and non mailable addresses from consumer report violates my rights. This is causing direct damage to my character and mode of living. 15 U.S.C 1681A defines what a consumer report is and what it should be used for. The options listed are " ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. '' Please update my personal information as requested. I have attached a new letter written to be uploaded here because they did not respond to my request from XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

I opened my new Wells Fargo account on XX/XX/year> and there was an error happening when the systems were down. It accidentally opened 3 separate accounts and I only needed one account. I set up direct deposit and did the requirements for the one account I intended opening. I was told 3 months later I wouldnt be eligible because of the technical issues that Wells Fargo experienced. I did all the deposits and did all my banking with the one account. This was very discouraging and should be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX, Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My wife and I have gotten ourselves into too much debt, and that is our responsibility, we understand that. We want to pay off our obligations rather than file Chapter XXXX so we are trying to do credit counseling. We received letters from Synchrony Bank on acceptance to the program, and am shocked at their rates. We are asking for help, not a write-off, and they responded with 26.99 % for JC Penney, 26.24 % for Amazon, 23.15 % for Walmart, and 15 % for Care credit. 

These rates are penalty rate high, not assistance. In comparison XXXX reduced the rate to 0.00 %, XXXX to 5.90 %, XXXX XXXX to 9.90 %. No one else is anywhere close to what you are charging. 

To my knowledge this program is meant to keep Americans out of Bankruptcy, banks actively solicit enrollment and in the paperwork, it even states the purpose is partially to make sure creditors are re-paid. We are fine with that, but these rates are almost Usary in situations like this.
Product: Debt collection

The company OneMain Financial has Close the account XX/XX/2017 now the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below
Product: Credit card

On XX/XX/year> XXXX XXXX XXXX accessed my credit card statements/transactions without my consent. Around this time XXXX was my girlfriend and because of her actions this has put a strain on our relationship.
Product: Checking or savings account

I got a letter in the mail from TD bank stating they are changing their overdraft rules. I have never opened an account with TD bank. I called TD bank and told them about it and they filled out a form then told me to report it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : These accounts are reporting inaccurate information. 

1.XXXX Account Number : XXXX - XXXX/ XXXX / Equifax 2.XXXX  Account Number : XXXX XXXX XXXX/ XXXX / Equifax
Product: Credit card or prepaid card

On XXXX XXXX i used a XXXX  ( atm type ) machine located at XXXX XXXX in XXXX Illinois, to get a cash advance on my Capital One credit card. The amount I requested was {$1700.00}. I was declined and no money was dispersed, ever. I had an odd suspicion/feeling about this at the time. I later logged into my Capital One account and found that indeed I was charged for the transaction. 

I contacted Capital One to investigate. Capital One did credit me back that {$1700.00} transaction and a couple other fraudulent ones. Shortly thereafter, they reversed the debits to my account, closed the account and stated that they looked into the matter with the XXXX  ( the vendor ) and concluded there was nothing wrong. I was never given proof of the transaction ( s ) ever occurring or proof of the cash being given to me, just a statement that they did investigate. To this day, I have made substantial payments to Capital One to keep my credit rating, but I feel that I am being taken advantage of, been abused and unfairly treated. I am a single consumer against two very large financial institutions. If I didn't get the cash advance, who did? Someone within either organization? Was this angle ever investigated? Why was no proof ever given to me?
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost urgency involving several FRAUDULENT, INACCURATE, UNVERIFIED AND ERRONEOUS REVOLVING ACCOUNTS on my credit report, which have been erroneously linked to my identity. Upon a comprehensive review of my credit report, I have identified the following erroneous accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Balance : {$9600.00} Date Opened : XX/XX/XXXX I must emphasize that these accounts are not associated with me and are a result of identity theft, a situation that is both distressing and deeply concerning. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) enforced by the Federal Trade Commission ( FTC ) and applicable privacy laws to request the immediate removal and Block of these erroneous entries. 

Furthermore, I wish to draw attention to the urgency of this matter. According to the FCRA and other pertinent privacy regulations, erroneous information must be rectified within a reasonable time frame. Given the gravity of this situation, I kindly request that these accounts be expeditiously removed from my credit report within four days mandated by law. 

I thank you in advance for your immediate attention to this serious issue. I trust that you will uphold the commitment to consumer rights and privacy laws in rectifying this situation.
Product: Debt collection

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a XXXX  filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly XXXX SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and XXXX are third party companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on transunion, XXXX and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.
Product: Debt collection

On XX/XX/2016 I received communication from XXXX, XXXX, XXXX XXXX XXXX XXXX attorney office. The entity supposedly represents Midland Funding LLC Successor in Interest of XXXX account XXXX. I 've never been in communication with Midland Funding LLC nor received any correspondence that they have authority to collect any such debt from me. What I do know is that Midland Funding LLC is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like XXXX, XXXX, XXXX XXXX XXXX XXXX to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

" ARS Account Resolution '' is reporting on my credit that I have balance of {$1400.00} for Original Creditor " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ''. I never visited any of such places, so I search and called " XXXX XXXX XXXXXXXX '' XXXX XXXX office and billing team. They do not have any record of mine. I think these guys ( Collection Agency ) has somehow got some of my some info and trying to fraud with it. It's been going for some times as, I got attention only when I saw another fraud of similar nature by another company named " XXXX XXXXXXXX XXXX ''. 

I am going to put complaint of that company in other complain as they are showing their Original Originator as " XXXX  XXXX '' while I never visited XXXX  XXXX for decades or any medical facilities.
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX 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 and false information consists of the following auto loan account XXXX XXXX XXXX / XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/27 cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.